Financial wellbeing and support  

Managing your finances isn't always easy, especially when household bills, unexpected costs or changes in circumstances affect your budget. If you're worried about your finances or feel you may struggle with your repayments, please speak to us as soon as possible. We know that everyone's circumstances are different, and our team will listen, treat you fairly, and work with you to explore the support and options that may be available. As well as the help we can provide, there are independent organisations and advice services that offer free guidance and support to help you manage your money and make informed decisions.

Check what support may be available

Depending on your circumstances, you may be able to access financial support, benefits or other forms of assistance to help with everyday living costs.

Benefits and financial support

If you're on a low income, unable to work, caring for someone, or receiving a pension, you may be eligible for financial support through government benefits or other schemes.

Useful resources include:

  • Universal Credit for people on a low income or who are unable to work.
  • Carer's Allowance for people who provide regular care for someone.
  • Pension Credit for people over State Pension age on a low income.

You can also use benefits calculators and guidance services to check whether you're entitled to any additional support.

Employment and income

It's important to make sure you're receiving all the pay and benefits you're entitled to. If you're unsure, guidance is available to help you understand your rights and check that you're receiving the correct income and benefits.

Help with household costs and bills

Support may be available if you're finding it difficult to keep up with essential household costs, including:

  • Energy and utility bills
  • Council tax and other tax payments
  • Travel costs
  • Home energy efficiency improvements

If you're struggling to pay a bill, contact your provider as soon as possible. They may be able to offer support or discuss options that could help.

Practical steps to support your financial wellbeing 

  • Keep track of your spending and review your budget regularly.

  • Check whether you're entitled to benefits, grants or other financial support.

  • Review household bills and subscriptions to see if you could save money. Comparison websites can help you explore your options.

  • Check your insurance policies regularly to make sure they still meet your needs.

  • If you're worried about paying a bill, contact your provider early, as support may be available.

  • Seek free independent debt advice if you're struggling with debt or repayments.

Organisations and support services

Payment difficulties

If you are facing any payment difficulties, please contact our friendly team for help and support. You can also visit our Payment difficulties page for more guidance.