Help to buy essential items
If you don’t have money for essential things like a bed or a fridge, find out where you can turn for help here.
You can also take a look at our advice pages on what to do in a crisis.
Loans and grants
If you are on certain benefits, you might be able to get a budgeting loan , a short-term budgeting advance or a universal credit advance payment. These are interest-free loans and can be used to spread the cost of things you need but can’t afford.
In an urgent situation, you could apply to the Discretionary Assistance Fund for a grant. The DAF applies to Wales only. For more details see our page on cash in a crisis.
In some areas, there are local organisations that provide good quality second hand furniture, safety-tested appliances and other household items for people on low incomes.
Furniture projects operate by collecting items donated by local people and will usually be able to deliver them to your home. You usually have to pay something to cover the costs involved but it is much cheaper than buying everything new.
Food banks provide boxes of food to people in need. They are often run by church or community groups. There are over 300 food banks across the UK.
Some food banks offer a hot meal and advice service when you go to collect your food box. If you live in a rural area and cannot afford to travel to collect your box, some food banks offer a free delivery service.
You need a voucher to use a food bank. You then exchange this at the food bank for three days’ worth of food. You can get food bank vouchers from local charities, doctors’ surgeries, health visitors, social workers, Citizens Advice and other welfare advice centres.