Making your budget work for you

It’s understandable that money can feel a little tighter at times; many of us experience that and keeping track of what’s coming in and going out can be challenging. Understanding what’s essential and what’s optional can really help you feel more in control.

Simple steps, such as comparing service providers, switching to direct debit, or choosing pay‑as‑you‑go options can help cut costs and reduce the risk of unexpected bills. Starting a small emergency fund, whether that’s a few pounds each month or spare change in a jar, can build a sense of financial security over time.

Having a clear budget not only gives you peace of mind, but also helps you make your money work harder for you.

Simple ways to reduce spending

Before looking at ways to cut costs, it’s worth making sure you’re not missing out on any financial support you may be entitled to. Managing on a low income can be challenging, but there is help available.

• If you’re a single parent, it’s worth making the most of the free resources and support available to you. There are plenty of services designed to help with day‑to‑day costs, childcare, and household essentials - they can make a real difference when you’re trying to manage on a tight budget.
• Essentials like food can sometimes slip down the priority list when money is tight. Food banks and community pantries are there to offer extra support when you need it, and our Tenancy Sustainment Officers can help with referrals to local services.
• Batch cook when you can, stick to a clear shopping list, and make the most of coupons and special offers.
• Make the most of outdoor space… it’s free! You could go for a walk or sit in a park and talk with a friend or family members. If you are able to take a picnic with you, this is a cost-effective way to have a meet up and a meal.
• Unexpected costs like car repairs or a broken appliance can hit hard, therefore, try to put a little aside to cover emergencies.

Where can I access support?

There are several organisations that can support you if you need emergency funding:

• Suffolk Local Welfare Assistance Scheme: Suffolk Local Welfare Assistance Scheme - Suffolk County Council
• Local council support: Get help with the cost of living from your local council - GOV.UK
• Household Support Fund: Household Support Fund - Norfolk County Council

If you need further support, your Housing Officer can refer you to our Tenancy Sustainment team, who can signpost you to the help available during difficult times.

For more help and guidance, you can explore our support and wellbeing resources on our website here: Support and Wellbeing | Orwell Housing