What Universal Credit is
Universal Credit is a payment to help with your living costs. It’s paid monthly – or twice a month for some people in Scotland.
You may be able to get it if you’re on a low income or out of work.
Whether you can claim Universal Credit depends on where you live and your circumstances.
If you already get benefits
Universal Credit will replace the following benefits:
- Child Tax Credit
- Housing Benefit
- Income Support
- income-based Jobseeker’s Allowance (JSA)
- income-related Employment and Support Allowance (ESA)
- Working Tax Credit
If you currently receive any of these benefits, you cannot claim Universal Credit at the same time.
Universal Credit is being introduced in stages across the UK. You do not need to do anything until you hear from the Department for Work and Pensions (DWP) about moving to Universal Credit, unless you have a change in circumstances.
Eligibility
You may be able to get Universal Credit if you’re on a low income or out of work.
You can find out if you’re eligible by:
- using the Citizens Advice eligibility checker
- reading the detailed guidance on eligibility
Use a benefits calculator to check what benefits you could get if you’re not eligible for Universal Credit.
Detailed guidance on eligibility
Whether you can claim depends on where you live and your circumstances.
Find out about eligibility if you’re in Northern Ireland.
Where you live
You can only make a new Universal Credit claim if you live in a ‘full service’ area.
Use the Citizens Advice eligibility checker to find out which area you live in.
If you live with your partner
You may be able to claim Universal Credit if you or your partner are working.
Your partner’s income and savings will be taken into account, even if they are not eligible for Universal Credit.
If you have children
You can make a new Universal Credit claim if any of the following apply:
- have 2 children or fewer and you live in a ‘full service’ area
- received Universal Credit in a ‘full service’ area in the previous 6 months and your payments have stopped – it does not matter how many children you have
- received Universal Credit in a ‘live service’ area in the previous 6 months and your payments ended because of your earnings – it does not matter how many children you have
You cannot claim if you’ve 3 or more children and you’ve not claimed Universal Credit in the last 6 months. You can apply for Child Tax Credit instead.
If you’re 16 or 17
You can make a new Universal Credit claim if any of the following apply:
- you have limited capability for work or you have medical evidence and are waiting for a Work Capability Assessment
- you’re caring for a severely disabled person
- you’re responsible for a child
- you’re in a couple with responsibility for at least one child and your partner is eligible for Universal Credit
- you’re pregnant and it’s 11 weeks or less before your expected week of childbirth
- you’ve had a child in the last 15 weeks
- you do not have parental support, for example you’re estranged from your parents and you’re not under local authority care
If you’re in training or studying full-time
You can make a new Universal Credit claim if any of the following apply:
- you live with your partner and they’re eligible for Universal Credit
- you’re responsible for a child, either as a single person or as a couple, if both of you are students
- you’re disabled and entitled to Disability Living Allowance (DLA) or Personal Independence Payment (PIP) and have limited capability for work
- you’re in ‘non-advanced education’ (for example studying for A levels or a BTEC National Diploma), are 21 or under and do not have parental support
If you’ve reached Pension Credit qualifying age
You can only claim if you live with a partner who is eligible for Universal Credit and under Pension Credit qualifying age – you’ll have to make a joint claim.
If you prefer, you can make a claim for Pension Credit as a couple instead.
What you’ll get
Your Universal Credit payment is made up of a standard allowance and any extra amounts that apply to you, for example if you:
- have children
- have a disability or health condition which prevents you from working
- need help paying your rent
Use a benefits calculator to see how much you could get.
How much Universal Credit you get will depend on your earnings.
Your circumstances are assessed every month and what you’re paid may change.
The benefit cap may limit the total amount of benefit you receive.
Standard allowance
| Your circumstances | Monthly standard allowance |
|---|---|
| Single and under 25 | £251.77 |
| Single and 25 or over | £317.82 |
| In a couple and you’re both under 25 | £395.20 (for you both) |
| In a couple and either of you are 25 or over | £498.89 (for you both) |
Extra amounts
You may get more money on top of your standard allowance if you’re eligible.
If you have children
| How much you’ll get | Extra monthly amount |
|---|---|
| For your first child | £277.08 (born before 6 April 2017) £231.67 (born on or after 6 April 2017) |
| For your second child | £231.67 per child |
| If you have a disabled or severely disabled child | £126.11 or £383.86 |
| If you need help with childcare costs | up to 85% of your costs (up to £646.35 for one child and £1,108.04 for 2 or more children) |
You only get an extra amount for more than 2 children if:
- you were already claiming for more than 2 children before 6 April 2017
- you’re renewing a claim for more than 2 children that stopped within the past 6 months
- other exceptions apply
You might get the extra amount if you start caring for another child, depending on when they were born and how many children you have.
You’ll get an extra amount for any disabled or severely disabled child – no matter how many children you have.
If you have a disability or health condition
| How much you’ll get | Extra monthly amount |
|---|---|
| If you have limited capability for work and work-related activity | £328.32 |
| If you have limited capability for work and you started your health-related Universal Credit or Employment and Support Allowance (ESA) claim before 3 April 2017 | £126.11 |
If you care for a severely disabled person
| How much you’ll get | Extra monthly amount |
|---|---|
| If you provide care for at least 35 hours a week for a severely disabled person who receives a disability-related benefit | £156.45 |
This is on top of any extra amount you get if you have a disabled child.
Housing costs
You could get money to help pay your housing costs. How much you get depends on your age and circumstances.
The payment can cover rent and some service charges.
If you’re a homeowner, you might be able to get a loan to help with interest payments on your mortgage or other loans you’ve taken out for your home.
Other support you could get
If you receive Universal Credit you may also be able to get other financial support depending on your circumstances and where you live.
How your earnings affect your payments
If you’re employed, how much Universal Credit you get will depend on your earnings. Your Universal Credit payment will reduce gradually as you earn more – for every £1 you earn your payment reduces by 63p.
There’s no limit to how many hours you can work.
Use a benefits calculator to see how increasing your hours or starting a new job could affect what you get.
The work allowance
You can earn a certain amount before your Universal Credit is reduced if you or your partner are either:
- responsible for a child or young person
- living with a disability or health condition that affects your ability to work
This is called a ‘work allowance’. Your work allowance is lower if you get help with housing costs.
| Your circumstances | Monthly work allowance |
|---|---|
| You get help with housing costs | £198 |
| You do not get help with housing costs | £409 |
Example
You have a child and get money for housing costs in your Universal Credit payment. You’re working and earn £500 during your assessment period.
Your work allowance is £198. This means you can earn £198 without any money being deducted.
For every £1 of the remaining £302 you get, 63p is taken from your Universal Credit payment. So £302 x £0.63 = £190.26.
This means you earn £500 and £190.26 is deducted from your Universal Credit.
If your payment stops because your earnings increased
As your income increases, your payment will reduce until you’re earning enough to no longer claim Universal Credit. Your payment will then be stopped. You’ll be told when this happens.
If your earnings decrease after this and you want to restart your Universal Credit payment, you’ll need to make a new Universal Credit claim online. You do this by signing in to your account.
If you do not have an online account, call the Universal Credit helpline. You’ll be told if you can claim again.
Universal Credit helpline
Telephone: 0800 328 5644
Welsh language (make a claim): 0800 012 1888
Textphone: 0800 328 1344
Monday to Friday, 8am to 6pm
Find out about call charges
Surplus earnings
If your monthly earnings are more than £2,500 over the amount where your payment stopped, this becomes ‘surplus earnings’.
Your surplus earnings will be carried forward to the following month, where they count towards your earnings. If your earnings (including your surplus earnings) are then still over the amount where your payment stops, you will not get a Universal Credit payment.
If your earnings fall below the amount where your payment stopped, your surplus will decrease. Once your surplus has gone, you’ll be able to get a Universal Credit payment again.
You’ll need to reclaim Universal Credit every month until your earnings have reduced enough to get another payment.
You can talk to your work coach for more information about surplus earnings.
If you have an online journal, the statement will show your work allowance and when the surplus reduces.
If you separate from your partner
If you’re part of a couple that claims Universal Credit together, any surplus earnings will be divided equally between you if you separate.
You’ll then need to re-apply individually, with your part of the surplus earnings counting towards your earnings.
If you’re a victim of domestic abuse you do not take on any surplus earnings from your partner. Talk to your work coach to make sure your partner’s surplus earnings are not divided between you.
If you’re self-employed
You can carry over a loss (as well as a surplus) to the following month. A loss will be deducted from your next month’s earnings.
How you’re paid
Universal Credit is paid once a month, usually into your bank, building society or credit union account.
Your payment can include an amount for housing, which you’ll usually need to pay to your landlord.
If you’re not able to open a bank, building society or credit union account, call the Universal Credit helpline to arrange a different way of getting paid.
Find out how you’ll be paid if you’re in Northern Ireland.
Your first payment
It usually takes around 5 weeks to get your first payment.
If you need help with your living costs while you wait for your first payment, you can apply for an advance.
The wait before your first payment is made up of a one month assessment period and up to 7 days for the payment to reach your account.
Example
You make a new Universal Credit claim on 1 September.
Your first assessment period runs for one month to 30 September, with a new assessment period beginning on 1 October.
You get paid on 7 October and on the 7th of each month after that.
Payment dates
After the first payment, you’ll be paid on the same date of every month.
If your payment date is on a weekend or a bank holiday you’ll be paid on the working day before.
You’ll get a monthly statement that tells you how much Universal Credit you’re going to get.
If you live in Scotland
In a Universal Credit ‘full service’ area you can get paid once or twice a month.
Use the Citizens Advice eligibility checker to find out which area you live in.
If you’re making a new claim, you’ll get a notification about how often you want to be paid. You get this after your first payment.
If you’re already getting Universal Credit and have not had a notification, you can ask your work coach to be paid twice a month.
When you’re paid twice a month your first payment will be for a full month. You’ll get the first half of your second month’s payment a month after this. The second half will be paid 15 days later. This means there will be about a month and a half between your first payment and the full amount for your second month.
After this, you’ll be paid twice a month.
Example
You get your first payment on 14 December. This payment is for a full month.
If you’re paid twice a month, you get half of your second payment on 14 January and the other half on 29 January.
You get paid on the 14th and 29th of each month after that.
If you live with a partner
If you both claim Universal Credit, you’ll get one payment each month for your household.
If you live in a ‘full service’ area in Scotland and you’ve chosen to be paid twice monthly, you’ll receive 2 payments each month for your household.
Phone the Universal Credit helpline if you’re worried about getting access to this money.
If you’re employed and get paid more than once a month
How often your employer pays you can affect your Universal Credit.
If you’re paid once a month on the same date and nothing changes in your earnings, then your Universal Credit amount should stay the same.
If you’re paid weekly, every 2 weeks or every 4 weeks, you’ll receive more than one set of wages during some assessment periods.
This means your earnings might be too high for Universal Credit. You’ll be told if they are and whether you’ll need to reapply to continue to get Universal Credit.
| How often you’re paid by your employer | The impact |
|---|---|
| Every 4 weeks | Once a year, you’ll get 2 sets of wages in one assessment period |
| Every 2 weeks | Twice a year, you’ll get 3 sets of wages in one assessment period |
| Every week | Four times a year, you’ll get 5 sets of wages in one assessment period |
How to claim
You need to apply for Universal Credit online.
You have to apply as a couple if you and your partner live together. You do not need to be married.
After you apply, you must contact your local Jobcentre Plus within 7 days to make an appointment with a work coach.
You will not get Universal Credit if you do not attend the appointment.
What you need to apply
You’ll need:
- your bank, building society or credit union account details (call the Universal Credit helpline if you do not have one)
- an email address
- your National Insurance number
- information about your housing, for example how much rent you pay
- details of your income, for example payslips
- details of savings and any investments, like shares or a property that you rent out
- details of how much you pay for childcare if you’re applying for help with childcare costs
If you do not provide the right information when you apply it might affect when you get paid or how much you get.
You also have to verify your identity online. You’ll need some proof of identity for this, for example your:
- driving licence
- passport
- debit or credit card
Help with your application
Contact the Universal Credit helpline to:
- get help making your claim online
- make a claim in Welsh
Universal Credit helpline
Telephone: 0800 328 5644
Welsh language (make a claim): 0800 012 1888
Textphone: 0800 328 1344
Monday to Friday, 8am to 6pm
Find out about call charges
If you have a disability or illness that affects your work
You may need a Work Capability Assessment to see how your disability or health condition affects your ability to work.
Depending on the outcome of your assessment you may be eligible for an extra amount on top of your standard allowance.
Terminal illness
If you’re terminally ill, you may get extra money for Universal Credit.
If you’re making a new claim, you can declare this during your application. If you’ve already made a claim, you’ll need to report this as a change of circumstances.
If you’ve claimed Universal Credit before
You’ll usually need to make a new claim online by signing in to your account.
If you do not have an online account you’ll be told if you can claim again by phoning the Universal Credit helpline.
If you live in a ‘live service’ area
If your claim was in the last 6 months and the payments ended because of your earnings, you will not need to make a claim – you’ll get it automatically.
If you disagree with a decision
You can challenge a decision about your claim. This is called asking for mandatory reconsideration.
Get an advance on your first payment
If you need help to pay your bills or cover other costs while you wait for your first Universal Credit payment, you can apply to get an advance.
The amount you get could be some or all of your first estimated payment. You’ll still get some money on your first payment day.
You pay the advance back from your Universal Credit payments over the following 12 months (or sooner). This means you’ll get less each month until it’s paid off. You will not pay back more than the amount of your advance.
How to apply
You can apply for an advance payment in your online account or through your Jobcentre Plus work coach.
You’ll need to:
- explain why you need an advance
- verify your identity (you do this online when you submit your Universal Credit claim or at your first Jobcentre Plus interview)
- provide bank account details for the advance (talk to your work coach if you cannot open an account)
You’ll usually find out the same day if you can get an advance.
If you need help
Call the Universal Credit helpline if you need help applying for an advance payment.
Universal Credit full service helpline
Telephone: 0800 328 5644
Textphone: 0800 328 1344
Monday to Friday, 8am to 6pm
Find out about call charges
Read more about getting a Universal Credit advance.
Your responsibilities
You’ll make an agreement called a ‘Claimant Commitment’ with your work coach.
What you need to do depends on your situation. You might need to do activities such as:
- write a CV
- look and apply for jobs
- go on training courses
You’ll also need to do things like:
- pay your own rent and other housing costs
- report any changes in your circumstances
If you’re claiming with your partner, you’ll each have a Claimant Commitment and set of responsibilities.
If you have children
If you’re a single parent or the lead carer in a couple, your responsibilities will change as your youngest child gets older and will be tailored to your personal circumstances.
| Age of your youngest child | Your responsibilities |
|---|---|
| Under 1 | You do not need to look for work |
| Aged 1 | You do not need to look for work. You need to have interviews with your work coach to discuss plans for moving into work in the future |
| Aged 2 | You do not need to look for work. You need to have regular interviews with your work coach and do work preparation activities (for example, writing your CV) |
| Aged 3 or 4 | Work a maximum of 16 hours a week (or spend 16 hours a week looking for work) |
| Aged between 5 and 12 | Work a maximum of 25 hours a week (or spend 25 hours a week looking for work) |
| 13 or older | Work a maximum of 35 hours a week (or spend 35 hours a week looking for work) |
If you get support with childcare costs
You must:
- report your childcare costs when you pay them
- prove you’ve paid your childcare provider
You’ll need to show proof of:
- your childcare provider for each child, for example an invoice or contract that includes the provider’s registration number and full contact details
- the amount you paid and when you paid it, for example a receipt or bank statement
If you have an online account, you can report childcare costs and provide proof that you’ve paid by signing in to your Universal Credit account.
If you do not have an online account, you need to:
- report your costs by calling the Universal Credit helpline
- take proof that you’ve paid your childcare costs to your local Jobcentre Plus or send it by post
You’ll usually get the childcare amount in your next Universal Credit payment.
If you pay for childcare after it’s been provided, you can claim up to 3 months of past costs at a time. There may be a limit to how much you get back if you claim for more than one month’s fees at a time. Talk to your work coach for advice.
If you pay for childcare in advance, you can claim up to 3 months of advance costs at a time. You’ll be paid back in your monthly Universal Credit payments during the months the childcare is for.
If your payment is stopped or reduced
If you do not meet your responsibilities or what you’ve agreed in your Claimant Commitment, your Universal Credit could be stopped or reduced. This is called a sanction.
There are different levels of sanctions and they’re decided based on what you did and how often.
You’ll get half a sanction if you apply with a partner and only one of you does not meet their responsibilities.
You can appeal a sanction if you think it’s wrong. Citizens Advicecan help with challenging a sanction.
Help if your payment is stopped or reduced
You can ask for a hardship payment if you cannot pay for rent, heating, food or hygiene needs because you got a sanction. You’ll repay it through your Universal Credit payments – they’ll be lower until you pay it back.
You must be 18 or over.
You’ll have to show that you’ve tried to:
- find the money from somewhere else
- only spend money on essentials
Call the Universal Credit helpline to ask for a hardship payment.
Your responsibilities
You’ll make an agreement called a ‘Claimant Commitment’ with your work coach.
What you need to do depends on your situation. You might need to do activities such as:
- write a CV
- look and apply for jobs
- go on training courses
You’ll also need to do things like:
- pay your own rent and other housing costs
- report any changes in your circumstances
If you’re claiming with your partner, you’ll each have a Claimant Commitment and set of responsibilities.
If you have children
If you’re a single parent or the lead carer in a couple, your responsibilities will change as your youngest child gets older and will be tailored to your personal circumstances.
| Age of your youngest child | Your responsibilities |
|---|---|
| Under 1 | You do not need to look for work |
| Aged 1 | You do not need to look for work. You need to have interviews with your work coach to discuss plans for moving into work in the future |
| Aged 2 | You do not need to look for work. You need to have regular interviews with your work coach and do work preparation activities (for example, writing your CV) |
| Aged 3 or 4 | Work a maximum of 16 hours a week (or spend 16 hours a week looking for work) |
| Aged between 5 and 12 | Work a maximum of 25 hours a week (or spend 25 hours a week looking for work) |
| 13 or older | Work a maximum of 35 hours a week (or spend 35 hours a week looking for work) |
If you get support with childcare costs
You must:
- report your childcare costs when you pay them
- prove you’ve paid your childcare provider
You’ll need to show proof of:
- your childcare provider for each child, for example an invoice or contract that includes the provider’s registration number and full contact details
- the amount you paid and when you paid it, for example a receipt or bank statement
If you have an online account, you can report childcare costs and provide proof that you’ve paid by signing in to your Universal Credit account.
If you do not have an online account, you need to:
- report your costs by calling the Universal Credit helpline
- take proof that you’ve paid your childcare costs to your local Jobcentre Plus or send it by post
You’ll usually get the childcare amount in your next Universal Credit payment.
If you pay for childcare after it’s been provided, you can claim up to 3 months of past costs at a time. There may be a limit to how much you get back if you claim for more than one month’s fees at a time. Talk to your work coach for advice.
If you pay for childcare in advance, you can claim up to 3 months of advance costs at a time. You’ll be paid back in your monthly Universal Credit payments during the months the childcare is for.
If your payment is stopped or reduced
If you do not meet your responsibilities or what you’ve agreed in your Claimant Commitment, your Universal Credit could be stopped or reduced. This is called a sanction.
There are different levels of sanctions and they’re decided based on what you did and how often.
You’ll get half a sanction if you apply with a partner and only one of you does not meet their responsibilities.
You can appeal a sanction if you think it’s wrong. Citizens Advicecan help with challenging a sanction.
Help if your payment is stopped or reduced
You can ask for a hardship payment if you cannot pay for rent, heating, food or hygiene needs because you got a sanction. You’ll repay it through your Universal Credit payments – they’ll be lower until you pay it back.
You must be 18 or over.
You’ll have to show that you’ve tried to:
- find the money from somewhere else
- only spend money on essentials
Call the Universal Credit helpline to ask for a hardship payment.
Report a change of circumstances
You need to report changes to your circumstances so you keep getting the right amount each month.
Your claim might be stopped or reduced if you do not report a change of circumstances straight away.
Changes can include:
- finding or finishing a job
- having a child
- moving in with your partner
- starting to care for a child
- moving to a new address
- changing your bank details
- your rent going up or down
- changes to your health condition
- becoming too ill to work or meet your work coach
- changes to your earnings (only if you’re self-employed)
How to report
You can report a change of circumstances by either:
- signing in to your Universal Credit account if you have one
- calling the Universal Credit helpline if you do not have an online account
Universal Credit helpline
Telephone: 0800 328 9344
Welsh language (make a claim): 0800 012 1888
Welsh language (report changes): 0800 328 1744
Textphone: 0800 328 1344
Monday to Friday, 8am to 6pm
Find out about call charges
If you get a job or increase the hours you work
Use a benefits calculator or speak with your work coach to find out how getting a job or an increase in your earnings might affect your Universal Credit claim.
If you’ve been paid too much
You may have to repay the money if you:
- did not report a change straight away
- gave wrong information
- were overpaid by mistake
You could be taken to court or have to pay a penalty if you give wrong information or do not report a change in your circumstances.
If you have a terminal illness
You may get extra money if you’re terminally ill.
If your life expectancy is more than 6 months
You’ll need to report this in the same way as any other change of circumstance.
If your life expectancy is less than 6 months
If you’re in a ‘full service’ area, report the change through your Universal Credit account. You’ll be contacted about what to do next.
You can also get someone else to report the change for you. They’ll need to ask a doctor or healthcare professional to fill in form DS1500 (the doctor will have the form already). Either the doctor or your representative can send it to:
Freepost
Department for Work and Pensions
Universal Credit Full Service
If you’ve already sent form DS1500 for Personal Independence Payment or Employment and Support Allowance, you do not need to send it again.
If you’re in a ‘live service’ area, call the Universal Credit helpline to report your illness. They’ll explain what you need to do next.
Universal Credit helpline
Telephone: 0800 328 9344
Textphone: 0800 328 1344
Monday to Friday, 8am to 6pm
Find out about call charges
Use the Citizens Advice eligibility checker to find out if you live in a ‘full service’ or ‘live service’ area.
You will not need to have a Work Capability Assessment.
Other financial support
If you’re in financial difficulties, you can get help and advice from the government, local councils and other organisations.
Advance and hardship payments
If you do not have enough to live on while you wait for your first payment you can ask for an advance payment after you’ve made a claim.
You can also ask for a hardship payment if you cannot pay for rent, heating, food or hygiene needs because you got a sanction.
You need to pay it back through your Universal Credit payments – they’ll be lower until you pay it back.
Alternative Payment Arrangements
If you’re having financial difficulties or you’re behind on your rent, you or your landlord may be able to apply for an Alternative Payment Arrangement (APA).
Depending on your circumstances, you could get an APA to:
- get your rent paid directly to your landlord
- get paid more frequently than once a month
- receive split payments, if you’re part of a couple
Speak to your work coach to apply for an APA.
Budgeting Advance
You may be able to get a Budgeting Advance to help with emergency household costs, such as replacing a broken cooker, or for help getting a job or staying in work.
You’ll repay it through your regular Universal Credit payments – these will be lower until you pay it back. If you stop getting Universal Credit, you’ll have to repay the money in another way.
How much you can borrow
The smallest amount you can borrow is £100. You can get up to:
- £348 if you’re single
- £464 if you’re part of a couple
- £812 if you have children
What you get depends on whether you have savings of over £1,000 and can pay the loan back.
Eligibility
To get a Budgeting Advance, all of the following must apply:
- you’ve been getting Universal Credit, Employment and Support Allowance, Income Support, Jobseeker’s Allowance or State Pension Credit for 6 months or more, unless you need the money to help you start a new job or stay in work
- you’ve earned less than £2,600 (£3,600 together for couples) in the past 6 months
- you’ve paid off any previous Budgeting Advance loans
How to apply
Contact your local Jobcentre Plus work coach to apply.
Help with housing costs from your local council
You might be able to get a reduction in your Council Tax.
You may also be entitled to Discretionary Housing Payments if your Universal Credit payment is not enough to pay your rent.
Other benefits you can claim
If you want to claim a benefit without your savings, your partner’s savings or their income being taken into account, you can apply for either:
You can apply for these if you’re eligible for Universal Credit.
Use a benefits calculator to find out what other benefits you could get, for example Personal Independence Payment if you’re disabled.
Other financial support you might get
If you receive Universal Credit you may also be able to get:
- BT Basic (or the KCOM Social Access Package for the East Riding or Hull City Council local authority areas) if you have no income
- Cold Weather Payment
- Disabled Facilities Grants
- Energy Company Obligation (ECO) Affordable Warmth
- free early education for 2 year olds
- free school meals
- Funeral Expenses Payment
- Healthy Start vouchers if you’re pregnant or have a child under 4 years old
- help with health costs, including prescriptions and dental treatment
- help with prison visiting costs
- help with the costs of using courts or tribunals
- legal aid
- Sure Start Maternity Grant
- WaterSure to cap your bills if you have a water meter
Advice on money and debt
You can get help and advice from:
- your Jobcentre Plus work coach
- Citizens Advice
- Money Advice Trust
- the Money Manager tool from Money Advice Service
- My Money Steps
- National Debtline
- Shelter for help with housing and homelessness
- StepChange
- Turn2Us