Debt

Carers face extra financial pressures and crisis when caring as they are often forced to reduce hours or need to give up work and face the extra costs of disability and ill health. In 2013, Carers UK published the Caring and Family Finances Inquiry. It showed the wide range of costs faced by families with caring responsibilities. This showed higher spending on typical household costs such as utilities, food and transport. In addition to this is the costs of disability-related spending, like care services, equipment, cleaning products and home adaptations.

“In the five years since the inquiry, the UK cost of living has increased while wages and benefits have stayed the same or been cut. For many, this can result in lasting hardship and debt, often made worse by delays in getting the right financial support and advice.”

It can be difficult to face up to debt and money issues, especially with the added pressures of caring. There is lots of free, confidential help and advice available and it’s important to get the help and advice as early as possible. It is important to check any entitlement to disability or carers benefits that you and the person you care for may have. If you are still in paid work you should also check your employment rights as a carer.

Below is a list of free, confidential services who can offer debt and money advice:

Debt
Debt Carers face extra financial pressures and crisis when caring as they are often forced to reduce hours or need to give up work and face the extra costs of disability and ill health. In 20...
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Grants & Trusts
Grants and Trusts There are local and national charitable funds who have specific grants and funds for carers. Others may not be carer specific but could help towards the cost of essential ho...
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Help with other costs
Help with other costs There may be other help available to you or the person you care for with costs around the home. For example heating your home, help paying for a TV Licence or help with ...
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Paying for care
Paying for care Social care is means tested so most people have to pay something towards the care that they receive. Those who have income and savings over a certain threshold will pay the fu...
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Welfare Benefits
Welfare Benefits If you’re a carer there is financial support out there for yourself and the person you care for. Find out here what’s available, whether you are entitled, and how to clai...
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