Universal Credit — Britain’s main benefit
A payment for people on a low income or none. For migrants the first question is not how much it pays but whether they may claim at all: most visas carry a no-public-funds condition. We cover the conditions, the amounts and the traps.
Articles on this topic: 35
Business grants, loans and government support in the UK: where the start-up money is and what it costs
There is no national “start a business” grant in the UK: the official GOV.UK catalogue listed 129 support schemes on 4 October 2026, 45 of them grants — and only 18 open to businesses not yet trading. The one national start-up loan runs from £500 to £25,000 at a fixed 7.5% a year. Here is where the non-repayable money actually sits, who gets it, and which reliefs are worth more than any grant.
A jury summons has arrived: what to do, how long it lasts and what it pays
Jury summonses in England and Wales are sent at random from the electoral register, and you must respond within 7 days: silence or failing to attend can cost up to £1,000. Service usually lasts up to 10 working days, the court pays no wages but covers loss of earnings of up to £64.95 a day. Here is who gets called — foreign nationals included — how to move the date and what you can claim.
Your gas and electricity debt can be written off in full: who Ofgem is clearing 2022–2024 bills for, and what you must do
While everyone was working out the new price cap, Ofgem quietly launched a scheme that writes off old energy debt — up to £500m for around 195,000 customers, in full and with no matching payment. There is no application form: your supplier finds you, which is exactly why a write-off is so easy to miss. Here are the conditions — debt billed between 1 April 2022 and 31 March 2024, a £100 minimum, means-tested benefits, and one non-obvious requirement that pushes people out of the scheme.
Your UK water bill: how it is calculated and how to pay less
You cannot switch water supplier, but you can change the amount on the bill. What each company charges in 2026/27, when a meter pays off, who qualifies for a social tariff worth up to 90% off, why water is never disconnected over arrears, and when the company owes you GBP 10 a day.
Workplace pension and auto-enrolment: where 5% of your payslip goes, what your employer must add, and whether opting out is a good idea
Every worker in the UK aged 22 or over earning at least £10,000 a year is automatically enrolled into a workplace pension. The minimum contribution is 8% of a band of earnings: 5% from you (including government tax relief) and at least 3% paid by your employer on top of your salary. Here is what the pension line in your payslip means, how to opt out with a refund, and what happens to your pot when you change jobs or your employer goes bust.
Maternity leave and pay in the UK: 52 weeks off, £194.32 a week and what to do if your employer says no
Up to 52 weeks of leave but only 39 weeks of pay, most of it a flat £194.32 a week before tax. Who qualifies for SMP, what Maternity Allowance is, the one date that decides everything (15 weeks before the birth), what fathers get, and how to claim £500 and free prescriptions.
DWP debt recovery: from October money can be taken straight from your bank account, and debts over £1,000 can cost you your driving licence
The DWP is switching on new recovery powers: direct deductions from bank accounts without a court order and, in persistent cases, disqualification from driving for up to two years. Warning letters started on 24 June and the window to agree terms closes on 24 October 2026. It applies to people who are no longer on benefits and not in PAYE work.
Healthcare in the UK: what the NHS gives everyone for free, what prescriptions and dentists cost, and who pays under the 150% rule
Two myths circulate about British healthcare: 'everything is free here' and 'you can't see a doctor without insurance'. Both are wrong. A GP appointment, the ambulance, A&E and the 111 line are free for everyone — whatever your visa or status — and you can register with a GP without proof of address or right to reside. The pharmacy and the dentist, though, have their own tariffs: a prescription is £9.90 per item, dental work runs £27.90 to £332.10, and visitors who never paid the IHS surcharge get billed for hospital care under the 150% rule. The whole system, with the numbers.
Can’t pay all your debts? Which to pay first in England — and how Breathing Space freezes interest for 60 days
Rent, council tax, energy, credit cards, buy now pay later: when money runs short, the order you pay in decides whether you keep your home and avoid bailiffs. Which debts are priority in England, what happens if you don’t pay council tax, how to deal with energy suppliers and HMRC, and how to get 60 days of Breathing Space for free.
Lifetime ISA in 2026: how to withdraw without the 25% penalty — and what the new First Time Buyer ISA means
The government adds 25% to savings for a first home — up to £1,000 a year. But withdrawing outside the rules costs 25% of the whole amount, so you lose some of your own money too. This summer the Treasury said the Lifetime ISA will be replaced by a new First Time Buyer ISA. When you can take money out penalty-free, how much an early withdrawal costs, and what existing savers should do.
Guaranteed jobs for young people on health benefits: the state will pay six months of wages
The Department for Work and Pensions announced on 27 September a major expansion of the Jobs Guarantee: from April 2027, young people on health benefits will be offered a guaranteed paid job 13 weeks after their Work Capability Assessment. Participation is voluntary, and the government will cover 100% of wages for up to 25 hours a week for six months. Here is who qualifies and what to do now.
How to get your money back through the courts in England: claims online from £35, a £10,000 small claims limit and free mediation
A landlord kept your money, a tradesman took a deposit and vanished, a friend will not repay. In England and Wales the process is still called the small claims court and it is built for people without lawyers. From GOV.UK and the statute: time limits, fees, fee remission, compulsory free mediation and what to do when you win and they still do not pay.
The government built a free CV tool: 20,000 CVs through Work Hub — and how to use it
On 25 September the DWP published the first results from Work Hub, the free job-search platform it calls a “jobcentre in your pocket”. The CV builder is open to everyone, not only people on benefits. Here is what is inside, where to find it and what not to expect.
Free childcare in England in 2026: 30 hours from nine months, the income tests and the 31 December deadline
To have the hours start on 1 January you need the code by 31 December. Here are the three schemes, the £2,643.68 three-month earnings test and the £100,000 ceiling, the National Insurance and no recourse to public funds rules — and the separate 15-hour route for families with no access to public funds.
Help to Save: the government adds 50p to every £1 you save — £300m in bonuses paid out
HMRC said on 21 September that more than £300m in Help to Save bonuses has now been paid, across 656,700 accounts and £676.7m of deposits. You can put away £1 to £50 a month and the government adds up to £1,200 over four years. The catch is the entry rule: you must be on Universal Credit and have had at least £1 of take-home pay in your last assessment period.
NHS dentist costs in England in 2026: £27.90 for a check-up, £332.10 for a crown — and how to get an appointment
NHS dental charges do not depend on how many procedures you have: there are three bands — £27.90, £76.60 and £332.10 — and you pay only for the highest one. What each band covers, why you cannot register with a dentist, who to call in pain, who is treated free, and the tick-box that brings a £100 penalty.
Sick pay in the UK in 2026: paid from day one, up to £123.25 a week
Since 6 April 2026 the three unpaid waiting days are gone and the earnings threshold has been scrapped: SSP is available to every eligible employee. The rate is 80% of average weekly earnings or £123.25 a week, whichever is lower, for up to 28 weeks. Who qualifies, when you need a fit note, what the self-employed can claim and where to complain if an employer refuses.
Your rent is going up: how to challenge it for £47 — and why the tribunal can no longer set it higher than the landlord asked
Since 1 May 2026 rent in England can be raised once a year, by form 4A notice with two months' warning. Challenging it costs £47, and the application must be in before the new rent starts. The key change: the tribunal cannot award more than the landlord proposed, and a revenge eviction under section 21 is no longer possible.
£150 off your electricity bill: entitlement was fixed on 23 August, letters arrive in November — and it is not just for pensioners
The Warm Home Discount reopens in October for the 2026/27 winter. About 6 million households will get it, 96% of them automatically with no application. Universal Credit and Housing Benefit qualify, not only Pension Credit. But the electricity account must be in your name, and the qualifying date — 23 August 2026 — has already passed.
Made redundant in the UK: how much you are owed and what to do if you are on a work visa
The statutory maximum is £22,530: £751 per week of service, up to 20 years, and only after two years in the job. The first £30,000 is tax free. And if you are on a Skilled Worker visa, redundancy leaves you 60 days or the remainder of your visa, whichever is shorter. Here is what you are owed, by when, and where to get free advice.
UK job vacancies are lower than in any year since 2014: what the ONS figures of 15 September mean if you are looking for work
The ONS published its labour market data at 7am on Tuesday. Vacancies stand at 702,000 for June to August, down 8,000 on the quarter; outside the pandemic slump the last comparable level was in 2014. Unemployment is 4.9%, but 145,000 fewer people are on a payroll than a year ago. Private sector pay is rising 2.9% a year — more than twice as slowly as public sector pay.
Free school meals: from this year every family on Universal Credit qualifies — but you have to apply
The £7,400 threshold has gone and meals are available to any family on Universal Credit. That is £475–£570 a year per child you stop paying. How to apply, what else the entitlement unlocks, and what will be banned from school menus in 2027.
A thousand deer forty minutes from central London: what the rut is and why you must not approach
From late September to early November the rut runs in Richmond Park and Bushy Park. Free to watch, but fifty metres is safety, not courtesy. Plus where London's autumn colour is and how to get into Kew for £10.
Winter Fuel Payment 2026: who gets £100–£300, and who has to give it back
This winter’s heating payment goes to everyone born on or before 27 June 1960 who lives in England, Wales or Northern Ireland. For most people no claim is needed — the money arrives in November or December. But if your own income is above £35,000, HMRC takes it back through the tax system. Opting out: by phone until 6pm on 18 September, online until 11:59pm on 20 September.
The UK State Pension: 10 years, 35 years and an age of 67 — how it is actually counted
The full new State Pension in 2026/27 is £241.30 a week, about £12,548 a year. It is not paid to everyone and not automatically: you need at least 10 years of contributions, usually 35 for the full amount, and from April the pension age started climbing from 66 towards 67.
Universal Credit: who can claim, what it pays, and why many people must not apply
The standard allowance runs from £338.58 to £666.97 a month, savings are capped at £16,000, and every £1 earned cuts the payment by 55p. But first things first: most visas carry a no recourse to public funds condition, and claiming without the right damages your visa. How to check your condition and what to do if you have no right to claim.
Council tax in 2026/27: what you pay, who pays less, and what happens if you fall behind
The average Band D bill in England is £2,392 a year. A 25% single-adult discount, 50% and full student exemptions, and the separate Council Tax Reduction scheme — none of it applies automatically, only on application. And seven days after a missed payment, the whole year becomes due.
Russia's digital rouble goes live: 12 banks, a 300,000-rouble cap and what it means from the UK
From 1 September the digital rouble has left the pilot stage: the twelve largest banks open wallets, retailers turning over 120 million roubles must accept it, and top-ups are capped at 300,000 a month. No interest, no cashback, and transfers cannot be reversed.
Starting out in Britain: nine guides checked against the public registers
A bank account without proof of address, a credit record from zero, a free NHS interpreter, the home rate for university, school after VAT, work and pay, and doctors and restaurants checked against the registers. All of it in one place, in the order in which the questions come up.
Food in Britain: where it is genuinely cheaper, and the money you may not be claiming
Yellow stickers on a timetable are a myth, and four of the big chains confirmed it. Meanwhile free school meals now go to every family on Universal Credit whatever their income, the old Household Support Fund has closed and been replaced, and community fridges hand out food with no voucher and no means test.
An NHS interpreter is free — and you can register with a GP without a single document
We checked the most common beliefs about the NHS against primary sources. The practice must book the interpreter, and nobody under 16 may do the job. Registering with a GP needs no passport, no address and no immigration status, and a refusal must be explained in writing within 14 days. And five minutes on the GMC, GDC and CQC registers separate a real doctor from a good-looking website.
UK law does not require proof of address — and nine banks must open you a basic account
Checked against the rules themselves rather than the banks' websites: nine designated banks must open a basic account within 10 business days, the grounds for refusal are a closed list, and neither a poor credit file nor a missing address is on it. What to bring instead of a utility bill, where £120,000 of protection applies and where none does, and what changed on 28 April 2026.
Mobile and home internet in Britain: how to pay less and avoid roaming rip-offs
SIM-only instead of a contract, cheap networks, free EU roaming for trips home, social tariffs from £10–12 for people on benefits, and how to switch provider without losing out. With useful apps.
Health in Britain: how to register with a doctor, what is free on the NHS and free medicines
How to register with a GP, what the NHS gives everyone for free, and who does not pay for medicines. With links to official NHS services.
Free English in Britain: who qualifies for funded courses and where to enrol
England has government-funded English courses for adults (ESOL). Here is who can study for free, what you will be asked at enrolment, and where to find classes.