Working parent and can't make ends meet?
Childcare, school costs and food add up fast. There's more help for working families than many people realise.
At a glance
- Universal Credit childcare help can cover up to 85% of costs.
- Free school meals and holiday activity schemes may be available.
- Check Child Benefit — you may be able to claim even on a higher wage.
- Food banks and community pantries help working families too — no shame in using them.
Help with childcare
- Tax-Free Childcare adds £2 for every £8 you pay in.
- Free childcare hours may apply depending on your child's age and your work.
- Universal Credit childcare support is paid back after you've paid the provider.
Everyday costs
- Ask school about uniform grants and free school meals.
- Your council may run a Household Support or local welfare fund.
- Call us if debts are building — we'll help you prioritise.
Common questions
- I earn too much for free school meals — what else is there?
- Childcare help, social tariffs and local funds can still apply. A benefits check will show what's available.