Get financial help and advice

If you're struggling with debt or other money problems and need to get through a period of financial difficulty, we can help you find free financial advice.

Do you have money worries?

Financial difficulty can hit people from all walks of life. Your finances may have been impacted by the coronavirus pandemic for example, or other unforeseen circumstances such as illness, or a relationship breakdown.

 

Whatever the reason, if you're worried about paying your rent, bills or mortgage, spending more than you earn, or relying on credit cards, help is at hand. Money problems can quickly become overwhelming, affecting your mental and physical wellbeing. But seeking help and taking control will make you feel a lot better.

What help can I get?

Turn2Us is a national charity that provides free financial advice and support to people in the UK in crisis. They will be able to provide advice on:

 

  • what benefits you may be entitled to
  • which charitable grants you can apply for
  • how to reduce fuel bills
  • local services that could support you.

Together, we have developed some helpful resources, to help those we support access information and funds if they are experiencing financial hardship.

These include a benefits calculator and a grants search tool. You'll also be able to talk to someone about your personal situation and find a way forward.

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What benefits can I get?

Benefits and tax credits can be paid to certain people on low income, or in particular circumstances. They include:


Child benefits

You may be entitled to child benefits if you are bringing up a child under 16 or a young person under 20 if they are still in full-time education up to A level or equivalent, or approved training courses.

Find out more about claiming child benefits


Disability living allowance

If you are ill, injured or have a disability, you may be able to claim benefits such as Personal Independence Payment, Universal Credit and Attendance Allowance. 

Find out more about claiming Disability living allowance


Carer's allowance

If you are caring for someone with an illness or disability, you may be able to claim benefits such as Carer's Allowance, Universal Credit and Carer's Credit.

Find out more about claiming Carer's Allowance


Housing benefit

If you are on a low income and struggling with housing costs, you may be able to claim Housing Benefit. This can help with rent and some service charges, and is being replaced by Universal Credit in England, Scotland and Wales.

Find out more about Housing Benefit


Unemployment benefit

If you are unemployed (or working less than 16 hours a week) and are looking for work, you may be able to benefits such as Job Seeker's Allowance and Universal Credit.

 

Find out more about Unemployment Benefit


In work - low income

If you are in work but on a low income, you may be able to claim benefits such as Universal Credit or new style Jobseeker's Allowance.

Find out more about benefits on a low income


Benefits for older people

If you're an older person over 60, you may be able to claim benefits such as Pension Credit, or you could get help with housing costs and winter fuel payments.

Find out more about benefits for older people

What to do if you need money urgently

People need emergency help with money for all sorts of reasons. It could be through losing a job or a drop in income. The coronavirus pandemic has caused financial problems for many people all over the country.

 

Turn2us supports people in financial need through the Turn2us Elizabeth Finn Fund, Turn2us Response Fund and Turn2us Edinburgh Trust. The Edinburgh Response Fund for Covid-19 is open for people living in the Edinburgh area.

Find out more about Turn2Us emergency grants


Financial help if you or your partner dies

The loss of a partner is incredibly painful. It can also create practical problems too, such as a drop in household income. If you are bereaved, you may be able to claim benefits that may help.


What benefits can you get when your partner dies?

If your husband, wife or civil partner died on or after 6 April 2017 and you are below state pension age, you may be able to get bereavement support payment.


Can I get help with funeral costs?

Yes. If you or your partner were receiving certain benefits, then you may be able to get help with funeral costs.

Find out more about bereavement benefits


Can I get financial help with bills?

You can apply to have a portion of your bills, including gas, electricity and rent, taken directly from your benefits each month. You can also get help with fuel bills, such as Winter Fuel Payment and Cold Weather payment.

Find out more about getting help with bills