If you're struggling with living costs
If you don’t have enough to live on, you might be able to get help from your local council or an interest-free loan from the government.
If you're waiting for benefit payments to start, you might be able to get your benefit paid early.
Get help paying for daily essentials
You might be able to get help from:
- your local council
- a government loan
- the Welsh Government
If you're struggling to pay for food, find out how to get help from a food bank.
Check what help you can get from your local council
Your local council might give you vouchers to help pay for day-to-day essentials like:
a hot meal
household appliances, for example a cooker
This help is known as 'welfare assistance'. Each council runs their own scheme. The help on offer and who can get it varies. Find your local council on GOV.UK and ask them if they run a welfare assistance scheme that could help you.
You don’t have to be getting benefits to get help from your local council.
Get an interest-free loan to pay for essentials
You might be able to get what's called a 'budgeting loan' for essentials like clothing or a washing machine if you claim certain benefits.
You might be eligible if you get:
income-based Jobseeker’s Allowance
income-related Employment and Support Allowance
The loan is interest-free, so you'll only have to pay back what you borrow. You'll usually need to pay back the loan within 2 years.
Check what you could get and how to apply on GOV.UK.
If you get Universal Credit, you can’t get a budgeting loan. You can apply for a budgeting advance instead.
Get help from the Discretionary Assistance Fund
You can get help to pay for urgent expenses or to deal with an emergency, including:
living expenses, for example food or clothing
household items, for example an oven or fridge
adaptations to your home so you or a relative can keep living there
You don't need to be on benefits, but will need to show you're in urgent financial need - to the point that if you don't get help it will have a serious impact on you or your family.
Find out more about how to apply on the Welsh Government website.
Get help paying your rent
If Housing Benefit or Universal Credit doesn't cover all your rent and you need more money, you could make a claim for a discretionary housing payment (DHP). A DHP is extra money from your local council to help pay your rent.
You need to claim Housing Benefit or the housing costs part of Universal Credit to get a DHP.
Your local council doesn't have to give you a DHP - it depends on your circumstances.
If the council decide to give you a DHP, they'll write to tell you:
how much you'll get
when the DHP will stop
If you still need a DHP after it stops, you can apply again.
Applying for a DHP
Contact your local council and ask how to apply for a DHP. They might want you to apply by phone or online. You can find out how to contact your local council on GOV.UK.
When you apply, be as clear as you can when you're explaining why you need a DHP. For example, you should explain:
why you can't afford to pay the rent
why you can't move somewhere cheaper
if it's causing problems for someone you look after, like a child or elderly relative
any evidence you have, like a letter from your doctor or details of debts you're paying off
You should also tell the council if you're waiting for them to decide whether you can get Housing Benefit.
If you apply on a paper form, it's a good idea to keep a copy of the form for your records.
Check what benefits you can get
You can use a free benefits calculator to check which benefits you can get. You’ll need to be a British or Irish citizen and over 18.
You’ll need details of your:
You’ll need these details for your partner if you have one.
You can also ask your nearest Citizens Advice to help you work out what benefits you can get.
Get your benefit paid early
Most benefits can be paid early. This is known as a 'short term benefit advance'.
You might be able to get your benefit paid early if:
you’ve claimed a benefit and are waiting for the first payment
your benefit has been increased but you haven’t had the new amount yet
you’ve been told you won’t be paid on the usual date
A small amount will be taken off future payments to pay it back - usually for 12 weeks.
You can’t get a benefit paid early for:
Disability Living Allowance (DLA)
Personal Independence Payment (PIP)
To ask for an advance, contact the DWP office that's dealing with your benefit claim. You can find their contact details on any letter or email you’ve had from them.
If you don’t have enough to live on, check what else you can do to increase the money you have each month. You could:
Check what help you can get from local charities on the Turn2us website. You’ll need to know your postcode.