Universal Credit - managing your money

Posted 04 Oct 2021

As many people will see a change to the amount they receive in Universal Credit, it’s important to check you’re getting the most out of your money. We’ve listed some things to think about to make sure you know of the best deals and offers to make your money go further. 


Working out how much money you’re spending each week is the best place to start. Any change in circumstance will require you to review your budget. Get started using an online budget planner or filling in our Budget Buster booklet. If you’d like a printed copy, email onemoney@onemanchester.co.uk to request one.   


Some bills and debts are more important than others such as rent, mortgage and council tax payments. If you’re not sure which bills and debts should be prioritised, the article below might help. You can also try a budget planner or contact a qualified money adviser, and details of them are given in this document.  How to prioritise your debts - Money Helper

Household bills 


With the energy price cap increasing and winter on its way, now is the time to make sure you’re not paying too much for your energy and household bills. By looking on comparison websites, you can find the best deals for your household bills including gas, electricity and broadband, plus sim and mobile deals.

By comparing and switching an energy tariff or supplier, some customers have saved £100-£200 a year. If you don’t want to switch suppliers, you can still contact your supplier to check you’re on the cheapest or most suitable tariff for your needs. 

Try these useful websites for more information: 

To check if you can get £140 towards your gas or electric bill, visit the Government’s website or contact your supplier about the Warm Home Discount Scheme. 


United Utilities have a range of support schemes if you’re struggling to pay your water bill, so find out if they can help. Phone: 0800 072 6765 

Many people also save money by having a water meter, and with two-year risk-free trial, you have nothing to lose. Phone: 0345 072 6065 


Did you know there are lots of schemes across our communities that help save money on food and reduce food waste? Here are some details to find out how to sign up to your local food club. 

Healthy Me Healthy Communities  Email: info@hmhc.co.uk 

The Bread and Butter Thing 

You can also search this map for food pantries and food clubs to find your closest one. Please contact the organisation first to confirm service days or times. 

Other support 

School uniform 

If you’re finding it difficult to afford school uniform, speak to your child’s school to see if they can offer help or if they can provide a second-hand uniform. 


The benefits calculator on Turn2us allows you to check you are receiving all the benefits you are entitled to. 

Credit Union

Credit Unions offer affordable loans and encourage saving. They are an ethical alternative to banks and building societies. See whether either of our two local credit unions are right for you.

One Manchester services for our tenants 

Job help 

If you’re looking for a job, training opportunities, or support with self-employment, our One Future team provide free help and advice. Email: financialinclusion@onemanchester.co.uk or phone: 0161 230 1057. 

Money help 

For advice and support with money worries, debt, benefits and budgeting, speak to our specialist advisers in the One Money team. They’ve helped thousands of people just like you. Email: contact us phone: 0330 355 1000. 

If you would like support with making rent payments on time, our Income team are available to advise you. Phone: 0330 355 1000. 

Money and debt advice if you’re not a One Manchester tenant 

These national organisations can provide confidential advice on money, debt and benefits.