MoneyTalk - What to do if you need emergency help with money and food.

We know that the cost of living is hitting everyone hard. If you’re struggling to pay for food or other essentials, there are ways that you can get help.

In this edition of MoneyTalk, we will explain how you can access food banks and get help with money in an emergency.

Where can I get help with emergency money?

If you’re struggling to pay your bills, there are organisations that can help you. They can provide you with support and information. Some will also talk to the companies that you owe money to and help set you up with a payment plan that is more affordable.

If you’re struggling to pay for your essentials, there’re government-run schemes that can provide you with a quick emergency loan. You may have to claim certain benefits to access these types of emergency loans.

What other help can I get with my bills or debts?

Some companies will offer a kind of payment holiday, that will allow you to ‘miss’ a payment if you have a credit card or loan. This can help ease the situation in the short-term, just make sure to check if taking a payment holiday will extend the agreement or if interest will still be added.

Where can I get help for food?

The quickest way to get help with food is to visit a foodbank. You will need be referred to them through one of the following ways:

  • Jobcentre Plus
  • Citzens Advice
  • A GP/health visitor/or other medical professional
  • A social worker
  • A children’s centre
  • Your local authority

You can contact them directly and they will work with one of the above places to arrange an appointment for you. You can find your local foodbank here.

It’s not a good idea to borrow money to pay for food. This can put you into debt and make paying for food harder in the future.

Free school meals.

If you claim certain benefits, you may be able to get free school meals for your children. You can find out here if you can claim free school meals.

Other help you may be able to get.

If you claim certain benefits or are on a low income, you may be able to get help with vet’s bills. The RSPCA or PDSA may be able to offer you free or reduced vets bills. If you don’t have one of these near you, then speak to your vet as they may be able to offer a payment plan if you have to pay full price.

Utility bills have got a lot more expensive over the last month, and if you’re struggling to pay your bills, you need to get in touch with your supplier and let them know. They will be able to talk to you about your payment options. Some suppliers have extra support available for those who are struggling, however this help can vary between the different companies.

What if I can’t make the payments to my Moneyline loan?

We know things are very difficult right now and if you’re struggling to make the payments to your Moneyline loan, then please get in touch with us as soon as you can. We have lots of different ways we can help. Just get in touch with us by phone, email or via the app.

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