Most of us will agree that times are tough; many of us are battling with bills. We may have taken out cash loans, maxed out our credit cards or have bank overdrafts. We may also be depending on a payday loan from time to time for emergencies or unforeseen bills but, as we know, credit is helpful but debt always need to be repaid.
One of the bills most people struggle with is their energy bill. Lets face it, we can’t live by candle light and cook over an open fire so gas and electricity in our homes are pretty much necessities. Unfortunately the prices of these amenities are on the rise again, so paying these bills at the end of the month is getting more and more difficult for those families that are already struggling financially in the first place.
Luckily there is help with paying energy bills in the UK for families that simply can’t afford to pay energy bills. Each supplier is duty bound to help the poorer families pay their bills and keep receiving the services that they are entitled to. This is all part of The Energy Saving Trust
The Energy Saving Trust will help those families that are struggling in various ways. By contacting the Trust, families can inform themselves of many different initiatives and dispensations that they can qualify for from the large Energy companies. There is help to be had with insulating homes for example, as well as the Large Energy companies’ obligation to supply free services and insulation to those households that are simply too poor to pay for them
The Green Deal, a governmental initiative that was rolled out on the 28th of January of this year goes on to offer such solutions as fitting new boilers that can be paid off over time, the payments simply being added to your energy bill. This can save you a lot more than you think, as old boilers are often ineffective, use more energy to heat and newer boilers are insulated.
The large Energy companies have also been offering domestic customers other energy saving solutions. For example loft lagging and filling wall cavities with insulation, again, all ways to save on heating and energy bills.
The British Government is also right in there trying to help with two different schemes designed to help the underprivileged. The ‘Winter Fuel Payment’ scheme and the ‘Cold Weather Payment’.
What is the Winter Fuel Payment? It is a payment made in November and December and is a tax-free subsidy. It is designed for the elderly, usually from 61 years and older, who live in Britain. The benefit is tailored to how much help the individual
dual is in need of, but can vary from 100 pounds to 300 pound. If the person is receiving a state pension or any state benefit, they should receive this payment automatically, otherwise there is an application process to be followed.
The Cold Weather Payment is designed to be paid out when the temperatures fall below 0 degrees Celsius for more that seven continuous days. Those who may benefit from this subsidy need to be already receiving the following. Pension credit, income support, income based job seeker’s allowance, or income related employment allowance. Also those families with disabled children or children under five years of age can receive this benefit. The allowance is 25 pounds for each day, and is paid automatically, application is not necessary.
It is also said that if your head and your feet are warm then your body stays warm, so a pair of woolly socks and a furry hat might help too!