If you’re struggling with debt, it can be hard to know where to turn. But with lots of free advice services available across the UK, you can find help in a way that’s best for you.

For information read our guide:

A cold weather payment is money to help with fuel costs during periods of very cold weather. 

For more information, visit our “Cold weather payment” guide.

Disability Living Allowance (DLA) for adults is being replaced by Personal Independence Payments (PIP) for people aged 16 or older.

Disability Living Allowance for children helps to meet the extra costs that you might have because of your child’s disability.  

For more information on DLA and PIP, visit our “Disablity living allowance” guide.

Universal Credit is a new benefit for people aged between 16 and 64. You may be eligible to receive this if you’re on a low income or out of work.

For more information read our “Universal credit” guide.

Read our comprehensive guide to financial support to help you.

If you are on a low income, you can claim Working Tax Credit to boost your income. In order to qualify, you must be in employment or self-employed.

For more information read our “Tax credits” guide.

Read our guide to discover how to receive support for your fuel and water bills.

Personal Independence Payment (PIP) is a new benefit replacing Disability Living Allowance (DLA) for adults aged over 16-64.  DLA shall continue as a separate benefit for children under 16 years. 

Read more in our “Personal independence payments” guide.

When faced with filling in a benefits application form, it can seem quite daunting and intrusive.

To make things easier we’ve provided a guide to help introduce you to benefits.

The Bedroom Tax, which was introduced in 2013 and also described as the under-occupancy charge, is a reduction in housing benefit. If you receive housing benefit and have spare bedrooms in your home, your benefit will be reduced accordingly. The under-occupancy rules apply to all who are of working age.

For more information read our guide:

Carers Allowance is a benefit you might be entitled to if you care for someone for more than 35 hours per week. Submitting an application is very straightforward and will determine your eligibility.

For more information read our guide: