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Money Support

We can help you make the most out of your money by providing expert financial support from budgeting and benefits to insurance and energy advice.

Latest support

Need help with your water bill?

If you're on a low income or receive Pension Credit, you could get up to 40% off your water rates. You can check if you are eligible by visiting Low Income Discount, or if you pay water rates through your rent, ask your rent adviser to find out if you are eligible. 

If you have a water meter, Northumbrian Water have a range of services including water saving tips and financial support.

We expect this year's discounts to be applied to your rent account from August 2025, and it will be backdated to cover charges from April 2025. 

Managed Migration

The Department for Work and Pensions has published the timetable for migrating people who receive certain benefits onto Universal Credit. Find out more and request support with your claim, by visiting Managed Migration.

Changes to LCWRA
Changes are coming for the Limited Capability for Work and Work-Related Activity (LCWRA) element of Universal Credit, impacting you if you have a long-term health condition or disability.

Starting from April 2026, if you already receive the LCWRA payment, it will stay at £97 each week until 2029/30. However, new claimants after this date will only get £50 a week until 2029/30. The LCWRA payment will now be combined with Personal Independence Payment (PIP), so people won't have to go through a separate Work Capability Assessment anymore.

There will also be a new payment for people who have serious health issues that make it hard for them to work for a long time. Finally, the Work Capability Assessment will be completely removed by 2028, replaced by a simpler health assessment.

If you think you may be affected by these changes, please contact us. 

An update on Personal Independence Payments

The Government is planning to consult on a proposal to change the eligibility criteria for PIP, which could affect how you might qualify. PIP is a benefit that helps people under state pension age who need extra help with daily tasks or getting around due to long-term illnesses, disabilities, or mental health conditions. It's not means-tested, so it doesn't depend on your income, and it's tax-free. Plus, it won’t affect your housing benefit or housing cost payments.

What's changing

The Government is considering a proposal to change the eligibility rules so that only those with higher needs will qualify. The suggestion is to set a minimum score of 4 on at least one of the daily living activities, which would mean fewer people may be eligible.

At the moment, this is just a proposal, and the changes wouldn’t take effect until 2026. If you receive PIP or know someone who does, it's important to keep an eye on updates as things move forward. We understand this might raise questions, and we’re here to help you understand how any changes could affect you.

Pension Credit

If you are aged 66 or over and are currently living on a low income you may be eligible to receive Pension Credit.

Pension Credit is a benefit for people over the State Pension age with a low income. Many people miss out because they are unaware that they need to apply to receive Pension Credit. 

The average Pension Credit award is worth over £3,900 per year and it opens doors to other support, including the Winter Fuel Payment, help with housing costs, council tax and heating bills.

You can check your eligibility for Pension Credit by using the pension credit calculator. If you are eligible, you can apply for Pension Credit.

Winter Fuel payment update

The government has announced changes to the Winter Fuel Payment scheme, set to take effect before Winter 2025/26. 

What's changing?
Previously, older individuals with an income below £11,500, particularly those receiving Pension Credit or similar benefits, were eligible for this payment. In response to rising energy costs, the government plans to revise the eligibility criteria in order to support more people. While the details of these changes have not yet been confirmed, it is expected that a greater number of individuals will qualify for support this winter.

What can you do now?
If you have already received pension credit, you should still qualify. If you didn't qualify before because your income was above £11,500, we recommend you check the eligibility once more information is available.

Free school meals

Your child may qualify for free school meals if you receive any of the following:

  • Income support
  • Income-based Jobseeker's Allowance
  • Income-related Employment Support Allowance
  • Support under Part VI of the Immigration and Asylum Act 1999
  • The guaranteed element of Pension Credit
  • Child Tax Credit (without Working Tax Credit, and an income under £16,190)
  • Working Tax Credit run-on (for four weeks after stopping work)
  • Universal Credit with net earned income under £7,400 a year. After tax, excluding benefits

All children in reception, year one and year two automatically receive free school meals, regardless of income.

From September 2026, all children and young people in families receiving Universal Credit will be eligible for free school and college meals, regardless of income level.

Uniform support

Find local preloved uniform hubs offering free or low-cost options across Durham, Darlington and Hartlepool.

Debt support

As one of our tenants, you can get priority service from our partners at debt charity Durham Christian Poverty. They offer free expert advice to help you deal with debt problems and get the support you need.

Universal Credit

Changes to Universal Credit in November 2021 means that some employed people may now be entitled to Universal Credit for the first time. Check if you are eligible with MoneyHelper's benefit and budgeting calculator.

If you are still unsure contact our specialist money support team who can help you.

Money support appointments

We can arrange confidential money support advice sessions to help you deal with the rising cost of living. 

Get in touch using our form to organise a date and time that is suitable for you.

Household support

The Government provides money to local authorities to support households struggling with the cost of living. Find out how your local authority can help you.

Cost of living loans

To help you access affordable credit we’ve teamed up with the North East First Credit Union to offer interest-free loans of up to £350 to help with rising costs of living. This loan can help you with fuel bills, food costs or one-off payments that we know can really impact finances.

To apply, contact the Credit Union on 0330 055 3666 and quote "LIVIN", or contact us for money support.

Budgeting support

Use MoneyHelper's 'budget planner' tool to help you know exactly where your money is being spent, and how much you’ve got coming in. If you need any further support, please get in touch by completing our money support form.

Work and training support

Our Livin Futures team can support you into employment to help your financial situation, from free training opportunities to matching you with local job vacancies and improving your job hunting skills.

Increasing energy prices

We can help and support you to reduce your energy bills following the recent energy cap increase.

Ways we're helping you

You may think getting in touch with us to talk about your money and your rent will not help. But it really doesn't take much to get your money back on track. See the people we have already helped and how we did this.

Local foodbanks

If you are struggling to buy food because of financial difficulties or you are ill or vulnerable, we want to help.

Our commitment to supporting you

We support the National Housing Federation’s position on evictions and support for residents. We’ll act quickly and compassionately if you tell us you are struggling, and we only take legal action as a last resort.

You can get local face to face or telephone debt advice at Citizens Advice County Durham or Community Money Advice County Durham.

What is the Breathing Space Scheme?

The new scheme has been introduced for anyone struggling with debt. Breathing Space allows you to apply to stop all debt collection whilst you get professional debt advice. A Breathing Space will normally last for 60 days but can be longer if you are getting treatment for mental health problems.