Many families across the UK are feeling the pressure of rising costs. When bills start to pile up, it can leave parents feeling anxious, overwhelmed, and stuck in a cycle of trying to catch up. This can be especially hard for single parents or those caring for children with disabilities.

In recent years, more families have been reaching out for grant support. With the cost of living still high, we understand how stressful it can be to keep up with everyday expenses.

The good news is that there are steps you can take to ease the pressure, manage your finances more effectively, and find the right support when you need it most.

1. Review your household budget

Start by taking a clear look at your income and outgoings. Write everything down – rent, bills, groceries, travel, and small daily expenses. Sometimes, simply seeing it all in one place can help you spot areas where you can cut back.

Try this:

• Cancel unused subscriptions or memberships.
• Set a weekly food budget and try your best to stick to it.
• Use online budget tools like Money Helper’s Budget Planner to stay on track.

Even small changes, like reducing takeaways or switching to supermarket brands, can add up over time.

2. Get free money advice and debt support

If you’re struggling to manage arrears or debt, it’s important to reach out early. Remember you’re not alone and there is help available.

Contact services like StepChange, Citizens Advice, or National Debtline. They can guide you on how to prioritise bills, negotiate payment plans, and check if you’re eligible for benefits or energy support.

3. Reduce energy costs and heat loss

Energy bills are often one of the biggest worries in winter. Making your home more energy efficient can help reduce costs.

Simple steps to save:

• Bleed your radiators so they heat properly.
• Use draught excluders and thermal curtains to keep warmth in.
• Add foil behind radiators to reflect heat.
• Let sunlight in during the day and close curtains at night to retain warmth.

For more tips, read our guide on Winter-Proofing Your Home.

4. Plan your food shop carefully

Groceries are one of the biggest weekly expenses, but there are ways to spend smarter without compromising on nutrition.

Tips to save:

• Plan your meals and make a shopping list before you go.
• Use supermarket loyalty cards (like Tesco Clubcard or Nectar) for discounts.
• Try online grocery shopping to avoid impulse buys.
• Batch-cook meals and freeze leftovers to reduce waste.

Looking for budget-friendly recipes? Explore our Family Meal Ideas to Keep Warm This Winter.

5. Save on travel and daily costs

If travel costs are eating into your budget, consider car-pooling with other parents for school runs or work commutes. Public transport passes, cycling, or walking when possible can also make a difference.

You could also check if your local council offers travel discounts or family passes.

6. Check if you’re entitled to extra support

Many families miss out on help simply because they don’t know what’s available.

• Use Turn2Us or EntitledTo to check for benefits and local grants.
• Ask your energy supplier about hardship funds or payment plans.
• Contact your local council as some offer emergency household support schemes or free school meal vouchers over holidays.

7. Talk to your providers early

Contact utility companies, landlords, or phone providers as soon as you fall behind.
Most companies have hardship teams who can:

• Arrange flexible payment plans
• Pause late fees or charges
• Direct families to specialist support funds

Do you need help?

If you are struggling financially and need support, remember you are not alone. FTCT provides grants to help families buy essential items their children need, such as school uniforms, essential appliances, and children’s bedroom furniture.

You may be eligible for a grant if you work or have recently worked in the UK fashion and textile industry and care for a child under 18. Our charity supports families from all parts of the industry, including clothing, footwear, soft furnishings, and fabric companies.

We help parents in many situations, including:

• Financial hardship due to job loss, illness, or bereavement
• Families who have been rehoused after homelessness or unsafe living conditions
• Low-income households struggling with long-term financial challenges

What FTCT grants can help with:

• Clothing and school uniforms
• Bedroom furniture
• Study equipment, including laptops
• White goods and essential household items
• Specialist or sensory equipment
• Therapy and wellbeing support

Related FTCT support

You might also be interested in:

Practical Tips for Parents Preparing for Winter

Budget Tips Every Parent Should Know