How to Get Help Paying Bills: A Complete Guide (2025)

Struggling to pay bills can be overwhelming, but you’re not alone. Whether it’s utility bills, rent, or other essential expenses, there are resources available to help you manage your financial challenges. From government programs to charitable organisations and grants, this guide will explore the best ways to get help paying bills and reduce financial stress.

Understanding the Need for Bill Assistance

With the rising cost of living, many households are finding it difficult to keep up with their bills. If you’re facing financial hardship, it’s important to act quickly and explore the support options available to you.

Common Reasons for Struggling with Bills

• Job loss or reduced income
• Unexpected expenses, such as medical bills
• Rising utility and housing costs
• Low income or insufficient benefits

Whatever your situation, there are organisations and programs designed to help you manage your bills and avoid further financial difficulties.

Government Help with Paying Bills

The UK government offers several programs to help individuals and families struggling to pay their bills. These schemes are designed to provide financial relief and ensure that everyone has access to essential services.

Universal Credit and Housing Element

If you’re receiving Universal Credit, you may be eligible for additional support to help with housing costs, utility bills, and other essential expenses. The housing element of Universal Credit can help cover rent, while other benefits may assist with utility payments.

Discretionary Housing Payments (DHP)

If your benefits don’t cover your full housing costs, you can apply for a Discretionary Housing Payment through your local council. DHPs are designed to provide additional financial support for rent and related expenses.

Energy Bills Support Scheme

The Energy Bills Support Scheme provides financial assistance to households struggling with utility costs. Eligible households can receive discounts on their energy bills, which are applied automatically by energy suppliers.

How to Apply for Government Assistance

To access government help with paying bills, follow these steps:

1. Contact your local council to check your eligibility for benefits or discretionary payments.
2. Apply for Universal Credit or other relevant benefits if you’re not already receiving them.
3. Provide necessary documentation, such as proof of income, expenses, and household details.

Acting quickly can help you secure the support you need before your bills become unmanageable.

Charitable Organisations Offering Bill Assistance

In addition to government programs, many charities and organisations provide financial assistance to help people pay their bills. These organisations understand the challenges of financial hardship and offer grants, advice, and practical support.

Turn2Us

Turn2Us is a UK-based charity that helps people in financial hardship access grants and support. Their online tool allows you to search for grants specifically designed to help with bills, including utility and rent payments.

Citizens Advice

Citizens Advice provides free guidance on managing bills and accessing available support. They can help you explore your options and connect you with organisations that offer financial assistance.

Local Welfare Assistance Schemes

Many local councils offer welfare assistance schemes to help residents with essential costs, including utility bills and other household expenses. These schemes vary by location, so contact your local council to find out what support is available in your area.

British Gas Energy Trust

The British Gas Energy Trust offers grants to help households pay off energy debt, regardless of whether you’re a British Gas customer. They also provide advice on managing energy costs and improving energy efficiency.

Help Paying Bills When Not on Benefits

If you’re not receiving benefits but still need help paying bills, there are several options available:

Payment Plans with Utility Providers

Many utility providers offer payment plans to help customers spread the cost of their bills over time. Contact your provider to discuss options such as:

• Monthly payment plans
• Prepayment meters
• Budgeting tools to manage your energy usage

Emergency Loans

Some organisations and credit unions offer emergency loans to help with essential bills. These loans are typically low-interest and designed to provide short-term financial relief.

Crowdfunding for Bill Assistance

Crowdfunding through platforms like JustGiving can be a lifeline for individuals and families facing financial hardship. By sharing your story, you can connect with friends, family, and your community to raise funds for your bills.

How to Create a Successful Crowdfunding Campaign

Follow these steps to create an effective crowdfunding campaign:

1. Tell Your Story: Share your situation honestly and explain why you need help paying bills.
2. Set a Clear Goal: Specify the amount you need and how it will be used.
3. Share Widely: Use social media, email, and local community groups to promote your fundraiser.
4. Keep Supporters Updated: Post regular updates to show progress and thank donors.

Taking Action: Next Steps

If you’re struggling to pay bills, taking action early can help you access the support you need. Here’s a step-by-step guide:

1. Assess Your Situation

Start by understanding your bills and identifying areas where you need help. Gather information such as:

• Your latest utility bills
• Details of your income and expenses
• Any outstanding debts

2. Explore Support Options

Research available programs, grants, and payment plans. Contact your local council, charities, and utility providers to discuss your options.

3. Create a Crowdfunding Campaign

If you need additional support, consider starting a fundraiser on JustGiving. Share your story, set a realistic goal, and reach out to your community for help.

Get Help Paying Bills Today

Don’t let unpaid bills overwhelm you. Whether through government programs, charitable grants, or crowdfunding with JustGiving, there are ways to get the help you need. Start exploring your options today and take the first step towards financial stability.

Create Your Bill Assistance Fundraiser Now

Remember, you’re not alone in facing financial challenges. With the right support and resources, you can take control of your bills and reduce financial stress.