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Hawliwch yr hyn sy’n ddyledus i Claim What’s YoursCreated by Digital Team

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Use the Turn2us Benefits Calculator to find out which welfare benefits you may be entitled to.

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Restaurants and Cafes where kids can eat free during the various UK 2023 school holidays. Supermarket cafes, chain restaurants and food venues all around the UK are offering the 'Kids Eat Free' or Kids eat for £1 deal during school holidays and savvy parents are hunting them out in order to keep the cost of going out down.

Cut the cost of eating out with Free Children's meals at participating Restaurants & Cafes. We really hope this helps parents and caregivers to save a few needed £££s throughout the school holidays.

Places where Kids Eat Free (or for £1) during School Half Terms & Holidays in 2023

It's so hard keeping the kids entertained for long periods of time without spending a fortune. Here are all the restaurants and cafes that are offering 'Kids Eat Free' (or for £1) during every UK school holiday in 2023.

We will frequently update this article throughout the year, as one half-term ends, we will start adding to the next, so be sure to bookmark us and keep checking back.

UK School Holidays

UK schools have 6 Half Terms that last between one and six weeks.

> February Half Term - This is a one week school holiday, usually starting mid-Feb

> Easter Half Term - This is a two week school holiday that depends on which day Easter falls, which is either early or mid-April.

> May Half Term - This is a one week half term, which is usually the last week in May.

> Summer Half Term - This is the longest half term, at a whopping 6 weeks and usually starts in late July until the first week of September

> Autumn Half Term - This always coincides with Halloween and begins in late October

> Christmas Half Term This is a two week half term, that usually starts the last Friday before Christmas week.

Where do kids eat free near me? The next half term is in JULY/AUGUST and the restaurants, cafes and venues children can eat for free at are as follows...

Kids Eat Free Summer Holidays 2023

TGI Fridays

Kids Eat Free When 'Stripes Rewards Members' purchase a full priced adult's main meal. If you're not a Rewards Member, just book your table and then simply download the app before your visit. T&Cs here

Asda Cafes

Kids eat for £1 All Day, Every Day at Asda cafes, with no adult spend required. The offer has been extended until the end of September 2023.

Asda also provides FREE Ella's baby food pouches for children under 18 months old with any purchase.

Asda has now also just announced Half Price adult meals after 3pm, daily until December 31st 2023.

Tesco Cafés

Kids Eat Free with any purchase of 60p or more by an adult in the café at Tesco. Clubcard/app required. Offer available from Monday 3rd July (Scotland & NI) and from Monday 24th July - Friday 1st September 2023 in England & Wales.

Brewers Fayre

Up to two Kids (under 16) eat free, unlimited breakfast this May with any purchase of an adult's breakfast. More Information can be found here.

YO! Sushi

From Monday the 17th of July until Friday the 11th of August, kids eat free all day at YO! Sushi when dining with a full-paying adult (minimum £10 spend). More information can be found here.

Sainsbury's Cafés

Sainsbury's Cafes offer one child hot meal or lunch bag for £1 with any adult main meal purchased over £5.20. This offer is on every day from 11:30am. Kid's mains include one main, 3 sides a drink and a piece of fruit. More information about the offer can be found here.

​​

Morrisons

Kids eat free all day, every day in Morrisons cafes nationwide, daily with every adult meal over £4.49. This offer includes half terms. More information on Morrisons kids eat free offer can be found here.

M&S Cafés

Between 3rd July - 18th August in Scotland, and 3rd July - 1st September in Northern Ireland, You can get a free Kid's Munch Meal - Main, Snack and Drink (usually £4) when you spend £5 or more in a single transaction on non-kids food or drink at M&S Cafés (not available weekends)

Wales and England are yet to be announced...

Gordon Ramsay Restaurants

Kids under 8 eat FREE all day, every day at selected Gordon Ramsay restaurants with a purchase of an adults meal from the a la carte menu. More information on Gordon Ramsey Restaurants kids eat free offer can be found here.

Bills

Up to two kids eat free All Day Monday to Friday if one adult orders any main dish (breakfast, lunch, and dinner) From Monday 24th July - Friday 1st September 2023. More information in Bill's Kids Eat Free offer can be found here.

Sizzling Pubs

Between 3pm - 7pm (Monday to Friday ), kids eat for £1 with the purchase of every 1 adult main meal in Sizzling Pubs in England, Scotland and Wales. More information can be found here.

Hungry Horse

Kids eat for £1 on Mondays only at Hungry Horse. Also, Up to two Kids get free breakfast with one adult breakfast during Half Terms. More information can be found here.

Pausa Cafes at Dunelm

Children get 1 mini main, 2 snacks and a drink FREE with every £4 spend at Pausa Cafes at Dunelm stores. The offer is currently after 3pm but usually extends to all day during half terms.

Preto

Kids eat free all day, every day with paying adults at Preto. This offer is open to children up to 10 years old - This is an ongoing offer that is on only during summer holidays and half terms. More information on Preto's Kids Eat Free offer can be found here.

Whitbread Inns

Purchase one great value £9.50 breakfast at any Whitbread Inns pub or restaurant and two kids under 16 eat breakfast for FREE. More information can be found here.

Future Inns

At Future Inns, under 5's always eat for free with any adult meal. More information can be found here.

Table Table

Two children under 16 years old can get a free breakfast every day with one paying adult! More information can be found here.

Beefeater

Two children get free breakfast with one paying adult! It has also been reported that if you sign up for their newsletter they send out a code for kids to eat free, but I haven't personally tried this. More information can be found here.

The REAL Greek

Kids under 12 eat FREE every Sunday for every £10 spent by an adult. More information can be found here.

SA Brains Pubs

Children can eat for £1 with any adult main. The offer is valid Wednesdays only but all day. More information can be found here.

Bella Italia

Children can eat for £1 with any adult main. The offer is valid between 4-6pm Monday to Thursday. More information can be found here.

IKEA

Kids can enjoy Kids Pasta with Tomato Sauce and a soft drink for 95p or any other Kids Meal for £1.50 every day from 11am. More information can be found here.

Premier Inn

At Premier Inn, you can enjoy their all-you-can-eat Breakfast for just £9.99 and up to two kids under 16 eat for free. More information can be found here.

Travelodge

At Travelodge, you can enjoy their all-you-can-eat Breakfast for just £8.99 and up to two kids under 15 eat for free. More information can be found here.

Dobbies Garden Centres

At Dobbies, from 12pm, for every purchase of an adult meal, kids eat for FREE. The meal includes their kid's lunch menu or pick 'n' mix' meal, plus a drink. More information can be found here.

These restaurants are likely but not yet confirmed...

Farmhouse Inns

To Be Announced...

Want to save even more money during Half Term? Check out these 80 FREE or very Cheap Days out for Kids

If you know of any other restaurants, cafes or interesting venues offering kids eat free during any of the UK school holidays in 2023, please let us know in the comments below...

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Places where Kids Eat Free During Summer Holidays 2023

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Restaurants and Cafes where kids can eat free during the various UK 2023 school holidays. Supermarket cafes, chain restaurants and food venues all around the UK are offering the 'Kids Eat Free' or Kids eat for £1 deal during school holidays and savvy parents are hunting them out in order to keep the cost of going out down.

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Our calculator covers England, Scotland and Wales. It will provide an estimate for many benefits, but for others it can only indicate if you might be eligible. Click on the sections below to find out more:

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Benefits calculator and benefits advice- What benefits am I entitled to? | Age UK

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Our calculator covers England, Scotland and Wales. It will provide an estimate for many benefits, but for others it can only indicate if you might be eligible. Click on the sections below to find out more:

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Check schemes, grants and benefits

From suppliers

Many energy companies offer schemes or grants to help with home heating and energy costs. For example, by making your home more energy-efficient or offering free boiler checks and upgrades. You don't have to be a customer to join some of these schemes.

Citizens Advice lists grants some larger suppliers offer.

Talk to your supplier about grants and schemes they run too.

From the government

You might qualify for the:

Winter Fuel Payment - a £100 to £300 fuel payment for people born on or before 26 September 1955.

Cold Weather Payment - a £25 payment for every 7 days of very cold weather between November and March.

Warm Home Discount - a £140 discount for some people getting Pension Credit or some people in low-income households.

Household Support Fund - a funding package to help vulnerable households this winter. Contact your local council for advice and help on accessing the fund.

If you live in Scotland or Wales;

The government's Fuel Direct Scheme can also help you repay a debt from benefit payments. Contact Jobcentre Plus (or your pension centre if you're on Pension Credit) to apply.

The government has also set out a package of support to help households with rising energy costs in 2022/23.

From charities

Charis has information on grants some charities offer and how to apply.

Turn2us has a benefits calculator and grants search tool to help you find out what support you can get alongside adviser locator tools. They also have information on benefits and information on help with paying energy and water bills.

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Getting help if you can't afford your energy bills

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Check schemes, grants and benefits Many energy companies offer schemes or grants to help with home heating and energy costs. For example, by making your home more energy-efficient or offering free boiler checks and upgrades. You don't have to be a customer to join some of these schemes.

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Energy bills are rising because it is more expensive for the companies who supply our energy to buy oil, coal, and gas. The reasons gas prices are soaring are global, including demand for energy from a long cold winter in 2021 to 2022, increased demands as business resumes after the COVID-19 pandemic, and as many countries seek to end their dependence on oil and gas from Russia following that country's illegal invasion of Ukraine. Over the last year, the price of gas alone has quadrupled. The energy price cap increased in April to take account of these increased prices.

1. What is the Energy Bills Support Scheme?

The government recognises that many households need support to help deal with rising energy bills. That is why it's providing a package of support worth £37 billion which includes the Energy Bills Support Scheme.

Through the Scheme, domestic electricity customers in Great Britain will receive a £400 grant which will appear as a credit from energy suppliers from October 2022 onwards. This will not need to be repaid.

2. Will I be eligible for the Energy Bills Support Scheme?

All households with a domestic electricity connection will be automatically eligible for the £400 grant. There is no need to contact energy suppliers concerning this at this point.

3. Do I need to apply for the support scheme?

Households will not need to apply for the Scheme, and in most cases we expect electricity suppliers to apply the reduction automatically to bills from October 2022.

We are working hard to design the delivery of this and there may be some variations in how consumers receive the benefit, depending on how they pay for their energy, for example whether by direct debit or through a prepayment meter. However, all households with a domestic electricity meter should receive the £400 reduction.

4. Is it a government loan?

This is a grant and will not need to repaid. The earlier policy to recoup the payment has been cancelled following a further analysis of the sustained high energy prices and input received. by spreading some of the costs over a few years, so they are more manageable for households.

5. When will we receive further clarity on the design and delivery of the scheme?

We are working on the specifics of delivery and are actively engaging with energy suppliers, consumer groups and  Ofgem  to ensure that delivering this grant is as simple and efficient as possible.

A consultation on the Scheme concluded on 23 May. Responses are being analysed and the government response will be published later in the summer.

6. Is the scheme UK-wide?

The payment through energy bills will apply across England, Scotland and Wales. Energy policy is devolved in Northern Ireland. The Northern Ireland Executive will be funded to provide comparable support with around £150 million through the Barnett formula in financial year 2022 to 2023.

7. I am on a traditional pre-payment meter, will I get the £400?

Yes. Previous schemes have used vouchers to reach those on prepayment meters and we will ensure that households whose energy is managed in this way will receive the grant.

8. If I live in a park home, will I get the £400? Or if I pay for energy in my rent, how do I make sure my landlord passes on the reduction?

We recognise that there are certain situations where a third party will be responsible for the bill (and be named on it). In these situations, any charges should then be passed onto the end user, typically through all-inclusive rent (landlord or tenant) or 'pitch' charges (for example park homes).

We are exploring this issue as we continue to develop the policy and we have gathered more evidence through the consultation.

9. I don't need this, can I opt-out?

All households with a domestic electricity connection will be automatically eligible for the £400 grant.

In line with our high-level principles, we want to design a scheme that is simple to deliver while maximising the reach and ensuring that additional costs are minimised.

10. What if I change payment method or tariff, or if my energy supplier goes bust?

We are still designing the scheme but will ensure that customers who switch payment methods, or whose energy suppliers fail, will not be penalised.

11. What if I move house or switch supplier?

All suppliers will be applying the reduction to bills from October 2022.

12. This support does not fully cover the increased cost of the energy price cap - why not?

This scheme will help over 28 million households with the increased costs of global energy prices.

This £400 non-repayable grant for energy bills is in addition to a non-repayable £150 Council Tax rebate for those in England in bands A to D and £144 million in discretionary funding for local authorities to support households who are not eligible for the Council Tax reduction.

This means the majority of households will receive £550 in total.

Support has been provided to devolved administrations to deliver comparable support in those jurisdictions.

This is one of many government support measures in 2022 to 2023 to help families with the cost of living. This includes reducing the Universal Credit taper rate, cutting fuel duty, raising the National Living Wage, freezing alcohol duty and providing targeted help with energy bills for the most vulnerable households.
Find the full breakdown of the £37 billion cost of living support here.
13. When will we be informed on the final details and design of the scheme?

The fundamental elements of the Scheme are fixed, and we are now working to design the detail of implementation and delivery.

The government response to its recent consultation on the scheme is expected to be published in the Summer.

Find the Energy Bills Support Scheme consultation here.

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Energy bills are rising because it is more expensive for the companies who supply our energy to buy oil, coal, and gas. The reasons gas prices are soaring are global, including demand for energy from a long cold winter in 2021 to 2022, increased demands as business resumes after the COVID-19 pandemic, and as many countries seek to end their dependence on oil and gas from Russia following that country's illegal invasion of Ukraine.

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It can be difficult to manage all the different bills and payments in our lives.

The consequences of missing some types of bills can be more serious than if you fall behind on others.

Our Bill prioritiser can help you put your bills and payments in the right order. If you're struggling to pay, it will tell you what to do before you miss a payment in two easy steps.

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Help with bills and payments | MoneyHelper

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It can be difficult to manage all the different bills and payments in our lives. The consequences of missing some types of bills can be more serious than if you fall behind on others. Our Bill prioritiser can help you put your bills and payments in the right order.

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Use the Turn2us Grants Search to find out which grants you may be eligible for.

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If you don't have enough money to live on, you might be able to get help to afford essentials like bills and food. This includes the Household Support Fund and cost of living payments.

You should check if you can claim benefits - you might be able to do this even if you work, have savings or own a home.

If you owe money and you're struggling to pay

You should speak to the organisations you owe money to - they might let you pay smaller amounts or take a break from payments.

Don't ignore bills or letters about money you owe.

You can find out how to start dealing with your debts.

Check what benefits you can get

Lots of people miss out on benefits they're entitled to - so it's worth checking what you can get.

Claiming benefits might also let you get access to other financial help like cost of living payments and discounts on energy and transport.

You might be able to claim benefits or increase your current benefits if you're:

over 16 years old with a low income or no income

sick or disabled, including if you have a mental health condition

of State Pension age with a low income or no income

responsible for children

Check what benefits you can get.

Get your first benefit payment early

When you apply for benefits, you might be able to get your first payment early while you're waiting for either:

a decision on your application

This is called a 'short-term benefit advance'. You can get an advance for:

Universal Credit

Jobseeker's Allowance (JSA)

Employment and Support Allowance (ESA)

You'll need to pay back the advance. The Department for Work and Pensions (DWP) will take an amount off your future payments until you've paid it back. For Universal Credit, you can spread the repayments over 24 months. For other benefits, you'll usually repay your advance over 12 weeks.

If you've applied for Universal Credit, you can check how to get a Universal Credit advance payment.

If you've applied for a different benefit, contact the benefits office that's dealing with your claim. You can find their contact details on any letter or email you've had from them.

Check if you'll get a Cost of Living Payment

The government will send you a 'Cost of Living Payment' if you:

get a benefit based on your income - for example, Universal Credit, Pension Credit, or tax credits

get a disability benefit - for example, Personal Independence Payment

are over State Pension age and get Winter Fuel Payments

You'll get 1 Cost of Living Payment for each type of benefit you get. For example, if you get Universal Credit, Personal Independence Payment, and Winter Fuel Payments, you'll get 3 Cost of Living Payments.

If you're not claiming benefits yet, you should check if you can claim benefits. It's worth starting a claim as soon as possible if you're eligible - this means you might be able to get Cost of Living Payments in the future.

If you get benefits based on your income

If you're eligible, the government will send you a payment of £300 in autumn 2023 - you'll get this by 19 November.

To get the £300 payment you must have:

been entitled to a benefits payment on any day from 18 August to 17 September 2023

started a successful claim for Universal Credit by 18 August

started a successful claim for another income-based benefit by 17 September 2023

The government will send you another payment of £299 during spring 2024 if you're still eligible.

The government have already given 3 Cost of Living Payments to people who get certain benefits.

If you didn't get the last Cost of Living Payment

You should have got a payment of £301 by 17 May 2023 if you get any of the following benefits:

You'll have only got one £301 payment - even if you get more than 1 of these benefits.

To get the latest payment you must have either:

If you're waiting for a decision on your benefits claim, you won't get the Cost of Living Payment until your claim is successful.

If your benefits are paid to someone else, like your landlord, you should still have got the Cost of Living Payment.

If you think you should have received a Cost of Living Payment, you can report a missing payment on GOV.UK.

If you get a disability benefit

The government gave a £150 Cost of Living Payment to people getting disability benefits between 20 June and 4 July 2023.

You would have been eligible for this one-off payment if you get any of the following benefits:

Disability Living Allowance

Personal Independence Payment

Attendance Allowance

Armed Forces Independence Payment

Constant Attendance Allowance

War Pension Mobility Supplement

To get this payment you must have:

If you haven't received a previous Cost of Living Payment

If you think you should have received a Cost of Living Payment, you can report a missing payment on GOV.UK.

If you're over State Pension age and get Winter Fuel Payments

You'll either get a £300 or £150 Cost of Living Payment, depending on your situation. You'll get this at the same time as your usual Winter Fuel Payment from November 2023.

You'll get a £300 Cost of Living Payment if you live either:

If you live with someone else who qualifies for the Winter Fuel Payment, the amount you'll get depends on whether either of you get any of the following:

If either you or the person you live with gets one of these benefits, you'll both get £300 - as long as you're not partners. If you're partners, you'll only get one £300 payment.

If neither of you gets one of these benefits, you'll both get £150.

If you live in residential care and qualify for the Winter Fuel Payment, you'll get £150 unless you get any of these benefits.

Check if you need to apply for Winter Fuel Payments

You're usually entitled to Winter Fuel Payments if you're of State Pension age in the third week of September. The State Pension age is 66.

You should start getting the Winter Fuel Payment automatically once you reach State Pension age. You might need to apply if you're in one of these situations:

you don't get State Pension

you don't get another benefit

you live in the EU, Switzerland, Norway, Iceland or Liechtenstein

You can find out how to apply for the Winter Fuel Payment on GOV.UK.

Get help with your energy bills

If you're struggling to pay your energy bills or top up your prepayment meter, you might be able to get help - for example a fuel voucher or a grant from your energy supplier.

Check if you can get help to pay your energy bills.

You might be able to save money on your energy bills by switching to a different supplier, or to a different tariff with your current supplier. Check if you can switch.

Check how to make your home more energy efficient

If your home is energy efficient, you'll pay less to heat your home and it will stay warm for longer.

It's a good idea to look into making your home more energy efficient at any time of the year. This is because it can take a few months to sort things out - for example, to find someone who can do the work.

You might be able to apply for help with the cost of:

a new boiler

boiler repairs

loft or cavity wall insulation

a heat pump

Check if you can get help with the cost of energy efficiency.

If you need somewhere to stay warm

You can ask your local council if they have information about nearby 'warm spaces'. These are public places that anyone can use to stay warm - for example a community space like a library. You can find out how to contact your local council on GOV.UK.

Get help with essential costs

Your local council might help you pay for things like:

your energy and water bills

food

essential items - for example, clothes or an oven

This help is known as 'welfare assistance' or the 'Household Support Fund'. Each council runs their own scheme. You'll need to check if you can get support and what type of support you can get.

Ask your local council if they run a welfare assistance or Household Support Fund scheme. You can find out how to contact your local council on GOV.UK.

You don't have to be getting benefits to get help from your local council. If you do get benefits, they won't be affected if you start getting money from a welfare assistance or Household Support Fund scheme.

There are also other things you can do if you're struggling to afford essentials like rent or food.

Get help paying for rent, council tax and other bills

There are things you can do if you're struggling to pay your rent and bills.

You can check what help and support you can get with your rent and bills.

Get help paying for food

If you're struggling to pay for food, you might be able to get a referral to a food bank.

You can find out how to get help from a food bank.

If you have a child or are pregnant

You might be able to get a Healthy Start card to help you buy certain types of milk, infant formula, fruit and vegetables.

To get the Healthy Start card you must be at least 10 weeks pregnant or have a child under 4 years old. You must also be getting either:

Universal Credit - but only if your household earns £408 a month or less

Income Support

income-based Jobseeker's Allowance

income-related Employment and Support Allowance - but only if you're pregnant

Pension Credit

Child Tax Credit - but only if your household earns £16,190 a year or less

If you get Child Tax Credit, you can't get the card if you also get Working Tax Credit - unless you get the 'run-on' payment. Working Tax Credit run-on is the payment you get for 4 weeks after you stop qualifying for Working Tax Credit.

With the Healthy Start card you'll get:

£4.25 each week from week 10 of your pregnancy

£8.50 each week for children from birth to 1 year old

£4.25 each week for children between 1 and 4 years old

free vitamins

You can apply for the Healthy Start scheme on the NHS website.

Get help with health costs

You might be able to get help paying for NHS charges, for example:

Check if you can get help with health costs on the NHS website.

If you pay for regular prescriptions

If you can't get help to pay for your prescriptions, you might be able to save money by buying a prepayment certificate.

You'll pay a fixed price for either 3 or 12 months. This will cover the cost of all the prescriptions you need during that time.

You can buy a prepayment certificate for unlimited prescriptions for:

You can buy a prepayment certificate on the NHS website.

If you've been prescribed hormone replacement therapy (HRT)

If you already have a prepayment certificate for other medicines, it covers the cost of your HRT.

If you only need a certificate for HRT, you might be able to save money. You can get an HRT prescription prepayment certificate - it costs £19.30 for 12 months.

The certificate only covers certain HRT medicines. Check if your HRT medicine is covered on the NHS website. If you have HRT medicines that aren't covered, you'll have to pay for them or buy a normal prepayment certificate.

You can buy an HRT prescription prepayment certificate on the NHS website.

Get help with your energy and water if you're disabled

If you're disabled, you might be able to get extra support with your energy and water. You can check how to get free advice about energy and water bills on the Scope website.

Get help if you have children or are pregnant

You might be able to get help if:

If your child is at school

If you're on a low income or claim certain benefits, you might be able to get help with the costs of sending your children to school.

For example, you could get:

Find out more about getting help with school costs.

If your child is in childcare

If you're on a low income or claim certain benefits, you might be able to get help with childcare costs. For example:

If you work, you might be able to claim Tax-Free Childcare. This is a government scheme that helps parents with childcare costs like holiday clubs, childminders and nurseries. You can get up to:

You won't be able to receive Child Tax Credit, Working Tax Credit, Universal Credit or childcare vouchers if you get Tax-Free Childcare. Work out which option is best for you before applying.

If you have a 3 or 4 year old, you can get up to 570 free hours of early education or childcare a year. If you work, you might be able to claim more.

Check what help you're eligible for on the UK government's Childcare Choices website.

If you're pregnant or have a baby

You could get a one-off payment of £500 to help towards the costs of having a baby. You usually qualify if you get certain benefits and are having your first baby - you have to claim before your baby is 6 months old. Find out how to apply for a Sure Start Maternity Grant on GOV.UK.

You might be able to get support from a local baby bank - these offer free essentials like nappies, toys, shoes and clothes.

Some food banks also provide nappies, baby wipes and baby food.

Search online to find your nearest baby bank or food bank - or speak to your midwife or health visitor.

Find out more about maternity pay and parental rights.

Get help with travel costs

Contact your local council to check if they offer free or discounted travel - for example, if you're:

You can find your local council on GOV.UK.

If you're over State Pension age, you can get free bus travel. Apply for an older person's bus pass on GOV.UK.

If you're 60 or over and live in London, you can get free travel on London's transport services. You can apply for a 60+ London Oyster photocard on the TFL website.

If you're disabled, you might be able to apply for a bus pass or railcard. You can check if you can get help with the cost of transport.

Get help with pets

If you're using a food bank, you might be able to ask for some things, like pet food. Check with your local food bank if they're able to help.

You can also check if there's a pet food bank in your area. Ask your local vet or pet shop, or search online for 'pet food bank' and your local town.

You might be able to find free pet food collection points at your local supermarket, pet store or animal charity.

Get help with vet care

You might be eligible for free or reduced vet care from Blue Cross if you:

Check if you can get free or reduced vet care on the Blue Cross website.

You also might be able to get free or reduced vet care from charities such as RSPCA and PDSA.

Check if you can get free or reduced vet care on the RSPCA website.

Check if you can get free or reduced vet care on the PDSA website.

Get help with vet bills

If you're struggling to pay your vet bills, talk to your vet about payment options - like reducing the bill or setting up a payment plan.

If you can't set up an affordable payment plan, you should get debt advice. Your vet might decide to stop treating your pet if you owe money.

Work out your budget

You should use a budgeting tool to help you understand:

You can use a budgeting tool.

Apply for a charitable grant

You might be able to get extra money from a charity to help with living costs. Some of these charitable grants are open to everyone. Others might be available based on your situation, for example:

if you have a disability or health condition

your age

your previous or current job

You can check what help you can get from local and national charities on the Turn2us website. You'll need to know your postcode.

If you're over 55 and have a personal pension

You might be able to take some money from your pension savings to help pay for essential costs or to pay off your debts.

You should think about whether taking money from your pension is the best financial decision for you. Taking money from your pension will mean you have less income when you retire. If you're getting benefits, taking money from your pension could affect your claim.

You can get free guidance on your pension options from Pension Wise. They'll explain the different options so you can decide which is best for you.

You should also get financial advice before taking any money from your pension savings - you'll have to pay.

You can check how to find a financial adviser - they can tell you which option is best for you.

If you're finding things difficult

Your mental health is as important as your physical health. You should talk to your GP if your money problems are affecting your mental health.

You can find other ways to get help with your mental health on the Mind website.

If you need to speak to someone

You can speak to a trained volunteer at organisations like Samaritans or Shout.

Samaritans

Helpline: 116 123 (Monday to Sunday at any time)

Welsh Language Line: 0808 164 0123 (Monday to Sunday 7pm to 11pm)

Calls to Samaritans are free.

You can find other ways to get in touch with Samaritans on their website.

Shout

You can also text 'SHOUT' to 85258 to start a conversation with a trained Shout volunteer. Texts are free, anonymous and confidential from anywhere in the UK.

If you think it's an emergency

If you think your life or someone else's is at risk, you should call 999 or go to A&E if you can.

You can also find a list of urgent mental health services on the Mind website.

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Check what extra help you could get if you're struggling with the cost of living - including the Cost of Living Payment scheme.