01254 589799

Get Help with the Cost of Living
Get Help with the Cost of Living


Countries around the world are facing rising goods and energy costs, inflation and cost of living pressures after the pandemic and Putin’s invasion of Ukraine.

We know people are worried, but we would like to assure you that help is out there.

Continue reading to discover what support you could be eligible for.



Supporting your Income


Increased Pay Threshold for National Insurance

From July, employees who earn £36,600 or under (around 70% of workers) will pay less National Insurance. A typical employee will save over £330 a year. This means you can earn £12,570 a year completely tax-free.


Increased Pay

The National Living and National Minimum Wage rates rose in April.Check your pay to make sure you are getting the pay rate you're entitled  to.
Check your pay


Universal Credit

If you're on a low income, out of work, or cannot work, you may be eligible for Universal Credit. The government has made changes to allow working families to keep more of their money.
Use a benefit calculator to check if you're eligible for Universal Credit or other benefits


Extra Money for Carers

You could get £69.70 a week if you care for someone for at least 35 hours a week and the person you care for gets certain benefits. You do not have to be related to, or live with, the person you care for.
Check if you're eligible for the Carer's Allowance


Pension Credit

You could get extra money to help with your living costs if you’re over State Pension age and on a low income, even if you have savings or own your own home.
Check if you're eligible for Pension Credit



Help Paying your Bills


Cost of Living Payment

Households on means tested benefits, including Universal Credit, Pension Credit and Tax Credits, will receive a payment of £650 this year.
This will be made automatically in two instalments, one in summer and another in the autumn.

Check if you're eligible for the Cost of Living Payment


Disability Cost of Living Payment

Individuals on disability benefits will receive a one-off £150 payment in September to help with extra costs, such as for specialist equipment or transport. This is in addition to the £650 Cost of Living payment for disabled people who also receive means tested benefits.
Check if you're eligible for the Disability Cost of Living Payment


Winter Fuel Payments and Pensioner Cost of Living Payment

In the winter months pensioners can get between £100 and £300 to help pay heating bills. This winter, they will also receive an extra £300 Pensioner Cost of Living Payment per household, which will be paid as an automatic top-up to the Winter Fuel Payment.
Check if you're eligible for the Winter Fuel Payment


Energy Bill Discount

£400 will betaken off your energy bill from October if you live in Great Britain. This is an automatic grant, which does not need to be paid back and requires no action.


Council Tax Rebate

If you live in Council Tax bands A to D in England you'll get £150 back from your Council Tax bill (4 out of 5 households in England).
For most people the rebate is automatic, however if you don't pay your Council Tax by direct debit then get in touch with your Council.
Find more information on the Council Tax rebate


Energy Bill Price Cap

The energy price cap continues to insulate households from even higher global gas prices, so families continue to pay lower bills for their electricity and gas than they otherwise would without it.

Cold Weather Payments

£25 extra a week if you’re getting certain benefits is available during the winter when the temperature is zero degrees or below for more than seven days.
Check if you’re eligible for the Cold Weather Payment

0% VAT on Energy Saving Materials

It will be cheaper for you to install energy saving materials such as thermal insulation or solar panels with 0% VAT for the next five years, helping to improve energy efficiency in your home and keep heating bills down.
Find energy grants and ways to save energy in your home


Household Support Fund

£1.5 billion has been made available to support the most vulnerable to cover their essential daily costs, like energy bills.
Contact your local Council to check if you're eligible for the Household Support Fund


Warm Home Discount

This autumn nearly three million low-income households are eligible for a £150 rebate on their winter electricity bills.
Check with your energy supplier to see if you are eligible for the Warm Home Discount


Budgeting Loans

You may be eligible for a Budgeting Loan if you’ve been on certain benefits for 6 months. This can be used for household items, rent in advance and travelling costs.
Check if you're eligible for a Budgeting Loan


Cheaper Phone and Broadband

You may be eligible to move onto a social tariff if you're struggling to afford your broadband or phone services.
Check the Ofcom website to see if you can switch to a social tariff


Help Paying your Water Bill

Many water companies run hardship schemes or fund independent charitable trusts which can help you pay your bills.
Get support paying your Water Bill

Licence Fee Freeze

The TV licence fee will remain at £159 until 2024 before rising in line with inflation for four years.
That means households will not see any change to the licence fee until 1 April 2024.



Help with Childcare Costs


Tax-Free Childcare

You can get up to £500 every 3 months (up to £2,000 a year) for each of your children to help with the cost of childcare.
Claim tax-free childcare

Claim Back Childcare Costs

You may be able to claim back up to 85% of your childcare costs if you’re eligible for Universal Credit, with up to £646 back each month for one child or £1,108 for 2 or more children.
Find out more about claiming back childcare costs


Apply for Free School Meals

Free school meals are available to pupils in England if parents get certain benefits.
Check if your child can get free school meals


Holiday Activities and Food Programme

You can get access to free activities and food for your children in the holidays if they receive free school meals.
Contact your local Council to find out more


Claim Healthy Start vouchers

If you’re more than 10 weeks pregnant or have a child under 4, you may be able to get help to buy healthy food and milk.
Check if you're eligible for Healthy Start vouchers


National Breakfast Clubs

All participating schools will receive a 100% subsidy for breakfast club provision until the end of July 2022.

Find out more about the National School Breakfast Programme


Get Help with Maternity Costs

You could claim a one-off payment of £500 to help towards the costs of having a child.
Check if you're eligible for the Sure Start Maternity Grant



Housing support


Get help with all or Part of your Rent

You may get help with all or part of your rent. There’s no set amount of Housing Benefit and what you get will depend on whether you rent privately or from a Council.
Use a benefits calculator to find out if you can get benefits to help pay your rent


Housing Benefit

Housing Benefit can help you pay your rent if you’re unemployed, on a low income or claiming benefits.
Check if you're eligible for Housing Benefit


Additional Housing Costs

You may be able to get support for additional housing costs if you're already claiming Housing Benefit.
Contact your local Council to find out what support you can get


Council Tax Support Schemes

Councils run support schemes to help people on low incomes with their Council Tax bill.
Contact your local Council to find out what support is available


Discretionary Housing Payments

If you are on certain benefits you may be eligible for Discretionary Housing Payments which provide financial support to help with rent or housing costs.
Check if you're eligible for a discretionary housing payment


Interest payments on Mortgages or Loans

If you’re a homeowner on qualifying benefits, you might be able to get help towards interest payments on your mortgage or loans you’ve taken out for certain repairs and improvements to your home.
Check if you're eligible for Support for Mortgage Interest

95% Mortgages

You may be eligible to borrow up to 95% of the cost of a property worth up to £600,000 thanks to the mortgage guarantee scheme.
Contact mortgage providers to see if you're eligible.



Help with Transport Costs


Cutting Fuel Duty

Fuel duty for petrol and diesel has been cut by 5 pence per litre across the whole of the UK until March 2023. It saves £100 for the average car driver, £200 for the average van driver and £1,500 for the average haulier.

Save 1/3rd on Rail Journeys

You can get up to a third off train fares with a railcard in Great Britain, saving up to £142 a year on average.
Save one third on rail journeys with a railcard


Get 50% off Travel if you're on Universal Credit

You may be eligible for a Jobcentre Plus Travel Discount Card if you're on Universal Credit.
Find out more information on the National Rail website


Bus Passes

In England you can get a bus pass for free travel when your each the State Pension age.
Apply for an older person's bus pass
If you’re disabled then you may be eligible for a disabled person’s pass if you live in England.
Apply for a disabled person's bus pass



Help Finding Work


Get Help Looking for Jobs

You can search and apply for jobs across a range of industries across the UK through the Find a job website.
Search and apply for jobs


Personalised Job Support

You can get personalised support, tips and advice to find your next opportunity through Job Help.
Get support, training and advice on finding your next job


Extra Support for Working Families

The Flexible Support Fund is available to those on Universal Credit and can help pay for things you need to get into work and progress your career, such as initial childcare costs, training, uniforms and work tools.
Speak to your work coach to find out whether this support is right for you



Contact Gow & Partners


If you would information regarding the support available to help the cost of living, why not book a free call with one of our experts?

Simply call 01254 589799.

Alternatively, you can fill in a contact form, or send us an email at info@gowandpartners.co.uk.