Cost of Living Crisis Guide
Navigate financial pressures with our comprehensive UK guide. Discover practical money-saving tips, government support schemes, and estimate your potential monthly savings.
Estimate Your Monthly Savings
Enter your current average monthly bills to see how much you could potentially save by switching providers, claiming eligible support, and optimising your household budget.
Household Expenses
Enter your average monthly costs in GBP (£)
Savings Evaluation
Estimated potential monthly and annual savings
UK Financial Support Schemes
Key government and local support mechanisms available to help households manage the cost of living.
| Support Scheme | Who is it for? | Potential Benefit | How to Apply |
|---|---|---|---|
| Household Support Fund | Vulnerable households facing financial hardship | Cash grants, food vouchers, or energy top-ups | Via your local council website |
| Council Tax Reduction | Low-income households and benefit claimants | Up to 100% off annual council tax bill | Via your local council website |
| Warm Home Discount | Low-income households or those on certain benefits | £150 rebate on winter electricity bills | Automatic or via energy supplier |
| Universal Credit | Working-age adults on a low income or out of work | Monthly payment to help with living costs | Via GOV.UK online portal |
Cost of Living FAQ
Everything you need to know about managing finances, accessing support, and reducing household bills in the UK.
Depending on your circumstances, you may be eligible for Cost of Living Payments (if on qualifying means-tested benefits), Council Tax Reduction, the Warm Home Discount, or discretionary support from the Household Support Fund administered by your local council.
Immediate steps include checking if you are on the best available tariff, claiming the Warm Home Discount if eligible, using smart meters to track usage, reducing thermostat settings by 1°C, and ensuring your home is well-insulated.
Free, impartial debt and budgeting advice is available from organisations such as StepChange, Citizens Advice, National Debtline, and the Money and Pensions Service (MaPS). Never pay a third-party company for debt advice.
Yes, you can access local food banks via a referral from Citizens Advice, your GP, or a social worker. Additionally, many communities have ‘community fridges’ or social supermarkets offering heavily discounted groceries to those in need.