My wages don't cover my bills — what can I do?
If your pay runs out before the month does, there are practical steps to take today, and free help to sort the rest.
At a glance
- Work out what's coming in and going out — a simple budget shows where the gap is.
- Pay priority bills first: rent or mortgage, council tax, energy, court fines.
- Check whether you can claim Universal Credit or Council Tax Support while working.
- Talk to us before you borrow to cover the gap.
Start with a quick budget
- List your take-home pay and any other income.
- List essential costs: housing, council tax, energy, food, travel to work, childcare.
- The difference tells you how big the shortfall is and what to tackle first.
Protect the essentials
- Missing priority bills can lead to eviction, enforcement or disconnection.
- Credit cards, loans and catalogues are non-priority — you can usually pay less on these while you get help.
- Contact suppliers early: many have hardship schemes and payment plans.
Boost what's coming in
- Run a free benefits check — many working people miss out.
- Ask your energy supplier and water company about social tariffs.
- Check whether your employer offers hardship support or salary advances (use these carefully).
Common questions
- Can I get help if I work full time?
- Yes. Our help is free and open to anyone struggling, whatever your hours or wage.
- Should I take a loan to cover bills?
- Borrowing to pay bills often makes things worse. Speak to us first so we can look at other options.