Financial Advice and Support

Help for Households

Help for Households – Get government cost of living support (

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

We know people are worried so the government is offering help for households. See what cost of living support you could be eligible for.

Citizen’s Advice: Get help with the cost of living

If you don’t have enough to live on, you might be able to get help from the government or your local council to afford essentials like bills and food. This includes the Household Support Fund and Cost of Living Payments.

Get help with the cost of living – Citizens Advice

The Money Charity: financial wellbeing & education

The Money Charity is the UK’s Financial Capability charity, providing education, information, advice and guidance to all.

We empower people across the UK to develop the skills, knowledge, attitudes and behaviours to make the most of their money throughout their lives. By proactively providing education, information, advice and guidance to people of all ages and at all stages of life, we help them get to grips with their money and increase their Financial Wellbeing.

The Money Charity – Financial Wellbeing + Financial Education

Guide to Government Benefits/Help with cost of living


Find out what benefits you’re entitled to, how to claim them, when you qualify, and what to do if things go wrong.

Benefits | MoneyHelper

Government on Cost of living
Cost of Living Payment – GOV.UK (

Benefits calculators – GOV.UK (

Universal Credit: What Universal Credit is – GOV.UK (

Support with NHS healthcare

NHS Low Income Scheme | NHSBSA

Citizens Advice

Get help with the cost of living – Citizens Advice

Cost of living: Are you missing out on unclaimed universal credit?

Cost of living: Are you missing out on unclaimed universal credit? – BBC News


MoneyHelper is here to make your money and pension choices clearer. Here to cut through the complexity, explain what you need to do and how you can do it. Here to put you in control with impartial guidance that’s backed by government and to recommend further, trusted support if you need it. For clear money help that’s on your side and free to use, just search for MoneyHelper.


While there is no magic wand that can halt the Cost of Living Crisis in its tracks, as a member of Health Service Discounts, you can utilise your membership and use our fantastic NHS discounts, our NHS cashback card, the Ode card, and save on your weekly food shop, monthly bills, and daily essentials.


Support with NHS healthcare – NHS Low Income Scheme

NHS Low Income Scheme

If you have a low income, the NHS Low Income Scheme could help you pay for:

  • NHS prescription charges
  • NHS dental treatment charges
  • the cost of sight tests, glasses and contact lenses
  • the cost of travelling to receive NHS treatment
  • NHS wigs and fabric supports (check with your hospital for their arrangements for supplying NHS wigs)

How much help you get depends on your weekly income and necessary outgoings, plus any savings or investments you have at the time you apply. If the amount you have left is low, you may be able to get help through the NHS Low Income Scheme. Any help you’re entitled to is also available to your partner, if you have one.

If you have already paid for treatment, you can apply for a refund at the same time as you apply for the scheme.

We’ll normally assess your application within 18 working days from the date we get your form.

NHS Low Income Scheme | NHSBSA

Government Cost of Living Payment

Cost of Living Payment

Guidance on getting an extra payment to help with the cost of living if you’re entitled to certain benefits or tax credits.

Cost of Living Payment – GOV.UK (

Benefits calculators – GOV.UK (

Universal Credit: What Universal Credit is – GOV.UK (

Free and impartial financial health and wellbeing support from Barclays

The Barclays Support website offers Free and impartial financial health and wellbeing support from our friendly experts at a time that suits you.

They providing a range of articles and resources, including frequent online webinars on different topics – This is a free service open to all.

  • Get savvy with top tips from our money experts
  • Develop your skills with Barclays LifeSkills
  • Build your digital skills with Barclays
  • Barclays Money Mentors provide practical support to help you get on the right path to tackling your money challenges and achieving your goals.
  • Our Financial Guides can provide you with help, support and guidance for your short term goals and plans for the future.
  • Understand more about investing and saving

Explore what Barclays can offer to support you with your financial health and wellbeing, including a broad range of products and services available to all UK-based employees.

All I want or need for Christmas? — Financial Wellness Matters
Christmas Grants and other support – Turn2us

Support with grants over the christmas period

Your guide to handling financial anxiety over the festive period (
Your Money and Your Mind | TED Talk Series

Managing your money can feel scary and complicated, but it doesn’t have to be. In this TED series, behavioral scientist Wendy De La Rosa explains why we spend too much and save too little — and shares easy steps to help us achieve a more secure financial future. 

Watch Your Money and Your Mind with Wendy De La Rosa at

Money and Mental Health support page
Government Supported Financial Assistance

Government-supported financial assistance

A range of benefits calculators are available via the Government website:

Universal Credit:

Universal Credit is a payment to help with your living costs. It’s paid monthly.

You may be able to get it if you’re on a low income or out of work.

Employment Support Allowance:

You can apply for Employment and Support Allowance (ESA) if you have a disability or health condition that affects how much you can work (NB. Now payable from day 1 of sickness absence in response to Covid-19).

ESA gives you:

money to help with living costs if you’re unable to work

support to get back into work if you’re able to

You can apply for ESA if you’re employed, self-employed or unemployed.

Department of Education

You may be able to get up to 30 hours free childcare (1,140 hours per year, which you can choose how you take) if your child is 3 to 4 years old. Please note current eligibility requirements during COVID-19 period.

For more information:

Debt Advice tools

Debt Advice Locator Tool

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

Debt and borrowing

For taking control of debt, getting free debt advice, and how to borrow affordably.

Budget Planning Tool

Budget Planner Tool

This free Budget Planner puts you in control of your household spending and analyses your results to help you take control of your money. It’s already helped hundreds of thousands of people.

Click the link above

NHS Financial Support lines

Financial wellbeing support

The Money Advice Service

We’ve been working with the Money Advice Service, an organisation who work to improve peoples financial wellbeing across the UK, to provide you with free, independent support. Based on calls to our support lines, we’ve picked out some of the top tools and resources to help you.

Try the free and impartial money advice telephone support line (Typetalk 18001 0800 915 4622 – available nationally), or their WhatsApp or webchat service:

NHS telephone support line

0800 448 0826

NHS people can call this support line, provided by the Money Advice Service, for free and impartial money advice.

Monday to Friday, 8am to 6pm.


Add +44 7701 342 744 to your WhatsApp and send the Money Advice Service’s national support team a message for help with sorting out your debts, credit questions and pensions guidance.


Chat to one of the Money Advice Service team via their online portal.

NHS people can also join one of our online financial wellbeing events.

NHS Discount Offers

A website with NHS discounts and offers, working with 100s of brands, find out more here.

NHS Staff Benefits

A website that contains current NHS discounts and deals, find out more here.

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