# Cost of living help: support you may be able to claim

> Budgeting & saving money · Last updated 1 June 2026

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## Quick answer

If money is tight, check whether you qualify for benefits like Universal Credit, Council Tax Support and the Warm Home Discount, and contact your council about the Household Support Fund. Free debt advice is available if bills are unmanageable.

When costs rise faster than income, there is more help available than many people realise — but you usually have to claim it. This guide points to the main sources of support and where to get free, regulated help.

## Key facts

- Use an independent benefits calculator to check what you can claim
- Universal Credit can top up low earnings, not just out-of-work income
- Council Tax Support and the Household Support Fund are run by your local council
- Free, regulated debt advice is available from StepChange, National Debtline and Citizens Advice

## Check what you can claim

Many people miss out on support they are entitled to. A free, independent benefits calculator can show whether you qualify for Universal Credit, which tops up low earnings as well as out-of-work income, plus help with council tax, childcare and health costs.

Your local council runs Council Tax Support and the Household Support Fund, which can provide help with essentials such as food and energy. Energy suppliers also offer the Warm Home Discount and hardship grants.

## If bills are unmanageable

If you cannot keep up with essential bills, get free debt advice from StepChange, National Debtline or Citizens Advice before taking on more borrowing. They can help you prioritise debts and may arrange a breathing space.

Contact suppliers early if you are struggling — energy and water companies, councils and lenders all have rules requiring them to help customers in difficulty.

## Frequently asked questions

### Can I get Universal Credit if I work?

Yes. Universal Credit tops up low earnings, so many working people on modest incomes qualify. Use a benefits calculator to check your entitlement.

### Where can I get free debt help?

StepChange, National Debtline and Citizens Advice all offer free, confidential, regulated debt advice. Avoid companies that charge for setting up a debt plan.

## Primary source

https://www.gov.uk/cost-of-living

## Related

- [Cost of living timeline 2026](https://moneyguide.org.uk/budgeting/cost-of-living-payments-timeline-2026/)
- [Universal Credit calculator](https://moneyguide.org.uk/tools/universal-credit-calculator/)
- [Debt help](https://moneyguide.org.uk/debt-help/)

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Independent UK money guidance from [Money Guide](https://moneyguide.org.uk). Information only — not regulated financial advice.