As the days grow shorter and temperatures start to drop, it's essential to ensure you're financially prepared for the colder months. The changing seasons can bring additional challenges for many but with the right support and resources, you can make sure you're ready to face them head on. Here are some practical steps you can take to manage your finances and stay comfortable this autumn and winter:
1. Check Your Eligibility for Winter Fuel Payments
You have probably seen the news that Government is scrapping the Winter Fuel Payment for pensioners. However, this doesn’t apply to all pensioners since the allowance is now linked to certain means-tested benefits and those claiming Pension Credit, another qualifying benefit or tax credits can still get the winter 2024/25 payment. It is worth up to £300 so definitely useful to check if you are eligible.
How to apply: Visit the Government’s Winter Fuel Payment page to check eligibility. Disability Rights UK has also produced a guide to eligibility.
2. Apply for the Warm Home Discount
Keeping warm shouldn’t break the bank, and the Warm Home Discount can provide some relief. This Government-backed scheme offers a one-off discount on your electricity bill (or gas bill if your supplier is part of the scheme) during the winter months. You qualify if you either get the Guarantee Credit element of Pension Credit or are on a low income and have high energy costs and will usually get the discount automatically if you’re eligible.
How to apply: The scheme reopens in October 2024 so check directly with your energy provider. Most will have a simple application process, and some may even apply the discount automatically.
For more details, visit the Warm Home Discount Scheme.
3. Check Eligibility for Cold Weather Payments
When temperatures drop below freezing, your energy bills can quickly skyrocket. The Cold Weather Payment is designed to help cover extra heating costs during particularly cold periods. If you receive benefits such as Pension Credit or Income Support, you're likely to be eligible.
How it works: Payments are automatically triggered when the temperature in your area drops below 0°C for seven consecutive days. There's no need to apply—you’ll receive £25 for each cold spell if you are eligible but it’s worth double checking that eligibility. For more information, visit the Cold Weather Payment page.
4. Sign Up for the Priority Services Register
It’s always good to have a bit of extra support and by registering for the Priority Services Register, you can access tailored services from your water and energy suppliers. This includes priority assistance during power cuts, tailored billing, and early notifications about financial aid programmes or energy grants.
How to register: Contact your energy or water supplier directly. Registration is free, and you'll receive ongoing support throughout the winter. Find out more at the Ofgem Priority Services Register.
5. Review WaterSure or Water Help Schemes
Winter can mean higher water usage, especially if you have medical needs. Thankfully, Kent’s water suppliers offer schemes such as WaterSure and Water Help to cap water bills for those on certain benefits or with high medical water needs. You will need to have a water meter.
How to apply: Your water supplier will be able to advise if you’re eligible for a capped bill. For details, contact your local water provider or visit their website.
6. Check for Cheaper Energy Tariffs
The cost of energy can vary significantly depending on your provider and tariff. With the energy price cap rising by 10% from 1st October 2024, it’s worth taking the time to compare rates and switch to a cheaper tariff if available.
What to do: Use comparison websites like Uswitch or MoneySuperMarket to compare tariffs, or contact your provider directly to ask if they have any more affordable options for you.
7. Seek Council Tax Reduction
Did you know that many disabled residents are eligible for a reduction in council tax? Local councils offer reductions based on disability status and home adaptations, which can make a big difference to your monthly outgoings.
How to apply: Contact your local district council to find out if you qualify for a discount.
8. Maximize Access to Free Prescriptions and Healthcare
If you qualify for free prescriptions, dental care, or eye tests, make sure you take full advantage of these benefits—especially during winter when health needs can increase. If you rely on regular medications, you might also want to consider an NHS prepayment certificate, which can save you money on multiple prescriptions.
How to apply: Visit NHS Low Income Scheme or ask your pharmacist for advice.
9. Apply for a Blue Badge
Navigating pavements and streets can be challenging in bad weather, so make sure you’re making the most of the Blue Badge scheme. It allows you to park closer to your destination if you have a disability, making travel more convenient and reducing transport costs. Many councils also offer free or reduced parking for Blue Badge holders.
How to apply: Check eligibility and apply for a Blue Badge on the Kent County Council website . We also have a downloadable guide in the Self-Help section of our website, which can give you some helpful guidance about the process.
10. Check the Household Support Fund
You may be able to get help with essential costs from the council. The Household Support Fund could help if you’re struggling to afford essential things like energy bills and food. The Government recently announced that a further extension to the Household Support Fund will run from September 2024 until March 2025 and details will be published once confirmed.
How to apply: Check the Kent County Council website to find out more about the grant once the details are available.
With a bit of planning and the right support, you can ease the financial pressure of the colder months. Whether it’s applying for discounts, grants, or ensuring you’re claiming the benefits you deserve, there are plenty of resources available. Preparing in advance could not only save you money but can also give you peace of mind as the colder weather approaches.
For further advice on how to apply for benefits or access services which may be able to help you, feel free to contact our team or visit our website. Please also check out the Self-Help section of our website by clicking the link below, where you will find a number of downloadable guides which can give you more information about claiming benefits, navigating the cost of living crisis, how to save money when out and about and more.
Commenti