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Financial help

If you're struggling with the cost of living and paying essential bills, help is available.

The following services may help if you need financial help. 

Household Support Fund

The Household Support Fund has now ended but there is new government funding in the form of Crisis and Resilience Fund.

Pension Credit

Pension Credit gives extra money for pensioners to bring their weekly income up to a minimum amount.

Find out more about Pension Credit. 

Breathing Space

Breathing Space is a government debt respite scheme which gives you legal protections from creditor action for up to 60 days. The protections include pausing most enforcement action and contact from creditors and freezing most interest and charges on their debts.

Find out more about Breathing Space from Step Change Debt Charity.  

Cost of living support

Find out what support is available to help with the cost of living on GOV.UK: Cost of living support.

This includes income and disability benefits, bills and allowances, childcare, housing and travel.

Crisis and Resilience Fund

In December 2025 the UK government announced a new fund called the Crisis and Resilience Fund. This replaces the Household Support Fund which ended in March 2026.
The Crisis and Resilience Fund (CRF) has been made available to local authorities in England to help people on low incomes when they face sudden money problems and supports activities that help people and communities become more financially secure.

More information on the Crisis and Resilience Fund.

Discretionary Council Tax Relief

To assist with applications for a discretionary council tax relief (under Section 13A), see:

Document
Elmbridge Borough Council Tax Section 13A Policy (PDF, 166.19KB)

Money navigator tool

The money navigator tool provides free money and debt guidance based on individual circumstances and help finding support in your area. It includes ways of staying on top of bills, how to find extra support and where to get extra help. 

Go to: Money navigator tool: Money Helper. 

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