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The Benefits system in the UK has a bad reputation for being overly complex and hard to work out. It was designed to offer a safety net to anyone in society who had fallen on hard times but also to supplement income and help with tax breaks for everyday people who need a little extra boost. We often assume that Benefits are only available to those who are unemployed but actually there is a whole wide range of different Benefits that are on offer to those in the UK – and some of them could apply to you.
It’s pretty difficult to answer this question as the rules on Benefits change often and entitlements are decided on a range of very personal factors. However, as a general rule there are Benefits available that are designed to help:
If you have children who are still dependent, a particularly large family or disabled children then you could be entitled to help from the state. There are also Benefits available for families who spend a lot on childcare. You could be entitled to:
There are two benefits available to those who are in work, but on a low income or paying for childcare, or looking for work.
The criteria for what constitutes low income can change but will take into account the income of the entire household. Where there are savings of £16,000 or more this will generally exclude the possibility of receiving a Benefit. These benefits are designed to help with day-to-day costs.
Disabled people and those over 65 are entitled to benefits in certain circumstances to help with every day life.
These are just some of the Benefits available to people in the UK – if you think you might be entitled to a Benefit you’re not claiming then the Benefit Checker may be able to help you identify what you might be missing out on. Keep in mind that getting credit when on benefits will not be easy.
To make your benefits go further you need to make sure you’re cutting your costs as much as possible. There are lots of great money-saving ideas and tips in our blog.
Alex Hartley is a keen advocate of improving personal finance skills. She's worked at Solution Loans since 2014 and written hundreds of articles about how people can manage their money better. Her interest in personal finance goes way back to...Read about Alex Hartley
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