Financial and Benefits help please?

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rosa1234567

My partner type1 very ill, he is off 5 years off work , he cant pay morgadge , not paid rates, not opening letters, we nearly bankcroped, he not claiming benefits and i dont know what to do?

Sam_Alumni

Welcome to the community @rosa1234567

Financial difficulties can cause so much stress and struggle, I am sorry to hear you are in such a difficult situation.

It is important to not ignore the problems though, as they won't go away on their own.  There are lots of things you can do to start to look into your financial problems but it may be worth you seeking some help, you can also find the numbers and contact details of lots of debt advisors here:

Debt Advice Foundation

• www.debtadvicefoundation.org
• 0800 622 61 51

• Debt Advice Foundation is a national debt advice and education charity offering free, confidential support and advice to anyone worried about debt.

National Debtline

• www.nationaldebtline.org
• 0808 808 4000

• National Debtline has helped millions of people with their debts. They'll talk you through options and give clear advice on how to take back control.

Claim all the benefits you’re entitled to

The first thing you can do is to use the benefits calculator to see what you could be entitled to claim.

Work out your budget Use our Budget planner to work out how much money you have coming in and what you’re spending it on.

The first step to taking control of your money is working out your living costs, including knowing what’s coming in, what’s going out and when.

Making a budget gives you a clear picture of where your money goes and shows you where you might have a chance to save money.

It will also help you see whether you’re living within your means.

For more on budgeting and money management, read our Beginner’s guide to managing your money.

Look at ways to cut costs

Our Quick cash finder will help you see how you can save by cutting out non-essentials.

It can be difficult to increase the amount of money you have coming in, but you have much more control over what goes out.

Research from Santander says, UK households spend an average of £3,329 per year, on their:

• water
• energy
• Council tax
• electricity
• broadband bills.

You can save hundreds of pounds by switching utility providers and shopping around for lots of things, including your groceries and holidays.

For more information read our guide on How to save money on household bills

I hope some of this is helpful