Taking control of debt, free debt advice, improving your credit score and low-cost borrowing
Renting, buying a home and choosing the right mortgage
Running a bank account, planning your finances, cutting costs, saving money and getting started with investing
Understanding your employment rights, dealing with redundancy, benefit entitlements and Universal Credit
Planning your retirement, automatic enrolment, types of pension and retirement income
Having a baby, divorce and separation, what to do when someone’s died, choosing and paying for care services
Buying, running and selling a car, buying holiday money and sending money abroad
Protecting your home and family with the right insurance policies
In Northern Ireland, Universal Credit works differently. Find out more on the
nidirect website. In Scotland, you might be offered some choices about how your
Universal Credit is paid. Read our guide to Universal Credit in Scotland.
Universal Credit is a single monthly payment for people in or out of work. It
replaces some of ...
Universal Credit is gradually replacing Employment and Support Allowance (ESA
) as the main benefit to claim if you can't work because of sickness or disability.
This page tells you more about how Universal Credit works and how current
sickness and disability benefits like ESA, Personal Independence Payment (PIP)
If you live in Scotland, you might be offered some choices about how Universal
Credit is paid to you.
All the information and advice in Money Manager comes from our own experts
and what people on Universal Credit have told us it's useful to know. You'll only
get information and advice based on your personal circumstances; You can
budget for a single monthly payment using our calculator; You can work out the
Some benefits and tax credits are being replaced by Universal Credit. This page
tells you more about how Universal Credit is different from the benefits you might
be getting now and what you can do to get ready for the changes. To find out
more about how Universal Credit works and how to make a new claim for it read
If you're self-employed and on a low income you might be able to claim Universal
Credit. Find out how it will affect you.
If you're claiming Universal Credit and rent your home, you'll be responsible for
paying your rent directly to your landlord. If you've been getting Housing Benefit
you might have to plan how to do this. This page tells you more about what you
need to think about, including working out the best ways to pay your rent and
Get ready for the new single monthly payment which has started to replace six
If you live as a couple and you claim Universal Credit, you'll get a single monthly
payment for your household so you might need to make some changes to the
way you budget. This page tells you more about joint Universal Credit claims. ?
Living in Northern Ireland? Universal Credit works differently in Northern Ireland.
Universal Credit is a new type of support that is replacing six benefits including
Jobseeker's Allowance and Housing Benefit. It's being introduced gradually in
stages. This page summarises the changes and key dates landlords need to
know about if they have tenants who are on Housing Benefit. What is Universal
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