Having a tough time? You are not alone. Many people are struggling, and we understand. Below is a list of resources that might help if you are facing hard times. Benefits: Inbest: available in the Stream app. Click here to view. Turn2Us: a free and private Benefits Calculator to find out what benefits you can claim. Entitledto: another free and private Benefits Calculator to find out what benefits you can claim. Citizens Advice: information on different benefits. If you talk to your local branch, they can help you fill out forms. Government Benefits: more information can be found on the government website. Understanding your Payslip: CIPP: an interactive payslip tool to help you understand your payslip and how it is broken down. Bills & Cost of Living: Citizens Advice: has general advice on getting help with the cost of living and bills. Household Support Fund: Local councils offer help with essential costs. You need to contact your local council to apply. Council search here. Cost of Living Payments: if you get certain benefits or tax credits, you might get a cost of living payment. Council Tax Reduction: you could get up to 100% off if you have a low income or claim benefits, or 25% off if you live alone. You need to talk to your local council to apply. Council search here. Energy Grants: Major energy companies have millions in grants to help those with money problems. Social Tariffs: Social tariffs are cheaper internet and phone plans for people on Universal Credit, Pension Credit, and some other benefits. Some companies call them ‘essential’ or ‘basic’ internet. Water Bill: CCW gives information and tools to help you lower your bills or get financial help. This includes advice on different schemes water companies offer. Help for Households: general government advice on support for living costs and saving money on energy bills. Child Care: Child care Choices: Government help with childcare costs for parents. Government help: Use this calculator to find out how much you could get for approved childcare. Sure Start: Sure Start centers offer help and advice on child and family health, parenting, money, training, and jobs. Some centers also provide early learning and full-day care for young children. Sure Start Maternity Grant: You could get a one-time payment to help with child costs if you are on certain benefits. Debt: National Debt Helpline: Call 0808 808 4000 or use their webchat (Mon-Fri 9 am-8 pm, Sat 9:30 am-1 pm) for fair, non-judgmental advice. Step Change: Call 0800 138 1111 (Mon-Fri 8 am-8 pm, Sat 9 am-2 pm) for free debt advice. Citizens Advice Debt and Money: General information on debt, debt solutions, budgeting, and mortgage problems. Your local Citizens Advice might also have debt specialists who can give personal advice. Disability Support: Access to Work: Access to Work can help you get or stay in a job if you have a physical or mental health condition or disability. Disability Grants: Find what is available nationally and locally by searching the sections. Scope: Services that provide practical and emotional support. Citizens Advice: General information on benefits if you are sick or disabled. Citizens Advice - Transport: Help with transport costs. Domestic Abuse: For immediate help in pharmacies and Jobcentres, ask for ANI. You will be offered a private space and asked if you need support. Safe Space: Organizations providing Safe Spaces include Boots, Morrisons pharmacies, Superdrug pharmacies, Well pharmacies, independent pharmacies, HSBC, TSB, The Co-operative Bank, and some Metro Banks. You can use a safe space in any way that works for you. They offer a safe and private way to reach out to friends and family, and can connect you to special support services. Safe Spaces are open and ready for you to use. Refuge: they run a free 24/7 National Domestic Abuse Helpline on 0808 2000 247. Respect: Free men’s advice line 0808 8010 327. Women’s Aid: For information on domestic abuse. Bright Sky: a safe, easy-to-use app and website that gives practical help and information on how to deal with domestic abuse. Citizens Advice: General information. Government: General information. Drugs & Alcohol: Mind: has a list of different organizations that can help with drug use. Action Helpline: available 24/7 on 01512 686 992. Alcoholics Anonymous: for help and support with alcohol. Frank: Find details of local and national services. NHS: general advice on support and treatments. Food: Trussell Trust: For your local food banks, you will need a referral. You can get this from your local citizens advice or another organization like your GP, housing association, or social worker. You might be able to use a social supermarket for cheaper food: Community Grocery, Community Shop Stores, Your Local Pantry, or The Real Junk Food Project. Healthy Start: If you are at least 10 weeks pregnant or have a child under 4, you could get help to buy milk, fruit, and vegetables. Olio: an app to give away things you no longer need, food, and other items. Too Good to Go: Download the app to see if you can save food in your local area for ⅓ of the original price. RSPCA Pet Food Bank: Food banks for pets and their owners. Funerals & Bereavements: Government - Bereavement Support: You might get Bereavement Support Payment if your partner has died. Government - Funerals: If you are on certain benefits, you might get help with funeral costs. My Funeral Matters: If a loved one dies and you think they might have bought a funeral plan but you cannot find the information, you can use the funeral matters tracing service to help find one. Gambling: Be Gamble Aware: Call 0808 8020 133 24/7 for the national gambling helpline, or visit their website for more information. Gam Care: Chat on WhatsApp with +44 20 3031 8881, or visit their website for more information. Gordon Moody: Click the link for support and information. NHS: General information and resources for help and support with Gambling. General Help: Local Welfare Assistance: Your local council might help you get furniture and with other issues like debt, food, and fuel poverty. They do this through local welfare assistance schemes (LWASs), also known as local welfare provision (LWP) or crisis support. Citizens Advice: for support on benefits, work, debt & money, housing, consumer advice, family, legal information, immigration, and health. The Money Saving Expert: Advice on cutting costs and saving money. Money Helper: free, fair guidance on money. Grants: Turn2Us: A grant search to find different grants you might be eligible for. Access to Work: Access to Work can help you get or stay at work if you have a physical or mental health condition or disability. Government Grants: For individuals, voluntary, community or social enterprises, and small or medium businesses. Food Aid Network: Non-statutory cash grants for people facing hardship in the UK. Health: Marie Curie: Call 0800 090 2309 (Mon-Fri 8 am-6 pm, Sat 11 am-5 pm) or visit their site for more information on terminal illness care and support. NHS - help with costs: You might get support with health costs or travel to appointments. Access to Work: Access to Work can help you get or stay at work if you have a physical or mental health condition or disability. Pregnancy Sickness Support: Information & support. Citizens Advice: General information on benefits if you are sick or disabled. Housing & Rent: Discretionary Housing Payment: you can apply for DHP if you get housing benefits or the housing part of Universal Credit. You need to talk to your local council to apply. Council search here. Shelter: Housing and Homelessness Advice. Citizens Advice - Struggling to pay Rent: Information on what to do if you cannot pay your rent. Mortgage Advice page here. Citizens Advice - Evictions: For information on evictions. Note that it usually takes 8-12 weeks to be evicted after the eviction notice (section 21) is sent. Council Housing: If you are about to lose your home, you need to contact your local council. Loan Sharks: If someone who lent you money threatens you or is violent, talk to the police right away. Do this even if it is an informal loan from someone you know, like a friend or family member. Stop Loan Sharks: call their Illegal Money Lending Hotline on 0300 555 2222 available 24/7 or text loan shark and their message to 60003. More information on their site. Citizens Advice - Loan Sharks: For general information on Loan Sharks. Mental Health: If your life or someone else's life is at risk, call 999 or go to A&E if you can. Hub for Hope: The Hub of Hope is the UK’s main mental health support database. Enter your postcode for local services. The Samaritans: They are available 24/7 to talk about many concerns on 116 123. It is free and private. Shout: free and private support, text 85258. Mind: Crisis services for urgent mental health. Suicide Prevention UK: Call 0800 689 5652 for help with mental health and/or thoughts of suicide. Travel: NHS Travel Costs Scheme: You might get help with travel to appointments if you are on benefits or meet the criteria for the NHS Low Income Scheme. Criteria here. Government: General information on travel costs. Also, check if your local council has any subsidized schemes. Council search here.