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Many young people are finding it harder to manage money right now. You are not alone if things feel difficult.

Rising costs can affect lots of areas of your life, including:

  • buying food and everyday essentials
  • paying for heating, electricity or transport
  • taking part in social activities or hobbies

You might feel like you have to choose between things that are all important, like food, travel, or staying warm.

👉 This is not your fault—and support is available.

Find Out What support is available by Expanding the Boxes Below

Benefits (usually 18+)

Some young people can claim benefits depending on their circumstances.

  • Universal Credit
    A payment to help with living costs if you’re on a low income or not able to work. 

  • Personal Independence Payment (PIP)
    Helps if you have a long-term health condition or disability. 

  • Council Tax Reduction
    You may be able to get money off your council tax bill. 

👉 You can check what you might be entitled to using a benefits tool:
Check benefits and grants (Turn2us) 

Grants and one‑off financial help (don’t need to be paid back)

Grants are money you don’t have to repay. These can help with education, equipment, or specific needs.

Charities also offer support, for example:

Benefits (usually 18+)

Some young people can claim benefits depending on their circumstances.

  • Universal Credit
    A payment to help with living costs if you’re on a low income or not able to work. 

  • Personal Independence Payment (PIP)
    Helps if you have a long-term health condition or disability. 

  • Council Tax Reduction
    You may be able to get money off your council tax bill. 

👉 You can check what you might be entitled to using a benefits tool:
Check benefits and grants (Turn2us) 

Grants and one‑off financial help (don’t need to be paid back)

Grants are money you don’t have to repay. These can help with education, equipment, or specific needs.

Charities also offer support, for example:

16–19 Bursary Fund

If you are in education or training, you may be able to get a bursary to help with:

  • travel to college
  • meals
  • course equipment

Ask your school or college about their bursary—it is different at each place.

🚌 Travel for less

🚆 Rail

  • 16–17 Saver Railcard – 50% off rail fares
  • 16–25 Railcard – 1/3 off most train journeys

🚌 Bus travel

  • Discounted student or young person bus passes (check your local bus provider)
  • Some areas offer reduced fares for under 19s

đźš´ Other options

  • Cycling or walking for short journeys (some colleges offer bike schemes)

👉 Your school, college or support worker can help you find the best travel option.

16–19 Bursary Fund

If you are in education or training, you may be able to get a bursary to help with:

  • travel to college
  • meals
  • course equipment

Ask your school or college about their bursary—it is different at each place.

🚌 Travel for less

🚆 Rail

  • 16–17 Saver Railcard – 50% off rail fares
  • 16–25 Railcard – 1/3 off most train journeys

🚌 Bus travel

  • Discounted student or young person bus passes (check your local bus provider)
  • Some areas offer reduced fares for under 19s

đźš´ Other options

  • Cycling or walking for short journeys (some colleges offer bike schemes)

👉 Your school, college or support worker can help you find the best travel option.

If you are struggling to afford food or everyday essentials, there is support available near you.

Hampshire has many local food banks including areas such as Basingstoke, Eastleigh, Fareham, Havant, New Forest, Southampton, and Winchester.

Local food bank locations:

There may also be smaller, independent food banks in your area that are able to supply emergency food parcels or short-term help.

📍 Food banks and support by area

East Hampshire (Alton, Bordon, Petersfield, etc.)

👉 Food banks and community pantries in East Hampshire

Hart (Fleet, Hook, Yateley)

👉 Foodbanks and community pantries in Hart district

Southampton

👉 Help with food – Southampton City Council

  • Includes food banks, community food clubs and free meal services

Winchester

🥕 Community pantries (low-cost food)

Community pantries are a great option if you want to make your money go further.

👉 There are 30+ community pantries across Hampshire, offering discounted food through a low-cost membership.

✅ What’s the difference?

Food banks

  • Free emergency food
  • Usually need a referral

Community pantries

  • Low-cost food (small weekly payment)
  • No referral needed
  • Can also offer advice, support and activities

đź’ˇ Top tip for young people

  • If you’re not sure where to start, ask:
    • your college or school
    • a youth worker or support worker
    • your local council

They can help you get the right support quickly

🔎 Find a food bank near you

If you are struggling to afford food or everyday essentials, there is support available near you.

Hampshire has many local food banks including areas such as Basingstoke, Eastleigh, Fareham, Havant, New Forest, Southampton, and Winchester.

Local food bank locations:

There may also be smaller, independent food banks in your area that are able to supply emergency food parcels or short-term help.

📍 Food banks and support by area

East Hampshire (Alton, Bordon, Petersfield, etc.)

👉 Food banks and community pantries in East Hampshire

Hart (Fleet, Hook, Yateley)

👉 Foodbanks and community pantries in Hart district

Southampton

👉 Help with food – Southampton City Council

  • Includes food banks, community food clubs and free meal services

Winchester

🥕 Community pantries (low-cost food)

Community pantries are a great option if you want to make your money go further.

👉 There are 30+ community pantries across Hampshire, offering discounted food through a low-cost membership.

✅ What’s the difference?

Food banks

  • Free emergency food
  • Usually need a referral

Community pantries

  • Low-cost food (small weekly payment)
  • No referral needed
  • Can also offer advice, support and activities

đź’ˇ Top tip for young people

  • If you’re not sure where to start, ask:
    • your college or school
    • a youth worker or support worker
    • your local council

They can help you get the right support quickly

🔎 Find a food bank near you

⚠️ If you are worried about your bills

  • Speak to your energy supplier as soon as you can—they may offer payment plans
  • Ask for help early—support is available before things get worse
  • Talk to a trusted adult, support worker, or college advisor

Find Out How To Read Your Energy Bills

How to Get Ready for Winter: Tips and Tricks to Make Sure You Keep Warm

Preventing Damp and Mould

đź’ˇ What support can I get?

You can access support if you are struggling to pay for your energy bills:

👉 These organisations don't just give money they provide practical support too.

Help with energy bills and keeping warm

If you are struggling to pay for heating, electricity or gas, there is support available in Hampshire.

👉 Get help with bills (Hampshire County Council)

⚠️ If you are worried about your bills

  • Speak to your energy supplier as soon as you can—they may offer payment plans
  • Ask for help early—support is available before things get worse
  • Talk to a trusted adult, support worker, or college advisor

Find Out How To Read Your Energy Bills

How to Get Ready for Winter: Tips and Tricks to Make Sure You Keep Warm

Preventing Damp and Mould

đź’ˇ What support can I get?

You can access support if you are struggling to pay for your energy bills:

👉 These organisations don't just give money they provide practical support too.

Help with energy bills and keeping warm

If you are struggling to pay for heating, electricity or gas, there is support available in Hampshire.

👉 Get help with bills (Hampshire County Council)

Hampshire Libraries offer a range of cost-of-living support, partly funded by a grant from the Household Support Fund.

Support currently on offer includes:

  • After school clubs and Saturday fun sessions with refreshments
  • CafĂ© vouchers (in libraries with cafes)
  • ChatAbout sessions
  • Multiply numeracy workshops
  • Period poverty stations in some libraries
  • Books and Brunch sessions 
  • Green and Thrifty Fortnight 

Contact your local library for further information or search for a club or course.

Your local library is also a place where you can go to use a computer and be warm if you need to. Find our more about the library Warm Welcome.

Hampshire Libraries offer a range of cost-of-living support, partly funded by a grant from the Household Support Fund.

Support currently on offer includes:

  • After school clubs and Saturday fun sessions with refreshments
  • CafĂ© vouchers (in libraries with cafes)
  • ChatAbout sessions
  • Multiply numeracy workshops
  • Period poverty stations in some libraries
  • Books and Brunch sessions 
  • Green and Thrifty Fortnight 

Contact your local library for further information or search for a club or course.

Your local library is also a place where you can go to use a computer and be warm if you need to. Find our more about the library Warm Welcome.

The Cash for Kids Cost of Living Grants scheme provides small emergency grants to support children and young people who are struggling financially. They can give money to help with things like food, clothes, and heating if your family is struggling.

A teacher, support worker or another adult helping you can apply for you.

Who they help

Cash for Kids focuses on children and young people up to age 18 who:

  • Are affected by poverty or the cost-of-living crisis
  • May also have additional needs, illness, or difficult home circumstances

The aim is to support those who are most in need and at risk of going without basic essentials.

What support they provide

The grants are designed to cover essential items that support a child’s wellbeing, for example:

  • 🍲 Food or food parcels
  • đź‘• Clothing and school uniform
  • 🔥 Fuel or energy costs (e.g. heating vouchers)
  • đź§´ Toiletries
  • 🧸 Baby items and essentials
  • đź’™ Wellbeing packs

These items are chosen because they support children’s physical and mental wellbeing and meet basic needs

👉 The grant is typically around £50 per child per household to help with these urgent costs.

⚠️ How it works (important for families)

  • Families cannot apply directly
  • Instead, a professional applies on their behalf, such as:
    • a school
    • social worker
    • health professional
    • housing support worker
    • charity or community organisation

This helps make sure the funding goes to young people with genuine need.

đź’ˇ What makes this support different

  • It provides fast, practical help with essentials (rather than long-term benefits)
  • It is often used when families are in crisis or immediate hardship
  • It can act as a “lifeline” when there’s no other quick support available

The Cash for Kids Cost of Living Grants scheme provides small emergency grants to support children and young people who are struggling financially. They can give money to help with things like food, clothes, and heating if your family is struggling.

A teacher, support worker or another adult helping you can apply for you.

Who they help

Cash for Kids focuses on children and young people up to age 18 who:

  • Are affected by poverty or the cost-of-living crisis
  • May also have additional needs, illness, or difficult home circumstances

The aim is to support those who are most in need and at risk of going without basic essentials.

What support they provide

The grants are designed to cover essential items that support a child’s wellbeing, for example:

  • 🍲 Food or food parcels
  • đź‘• Clothing and school uniform
  • 🔥 Fuel or energy costs (e.g. heating vouchers)
  • đź§´ Toiletries
  • 🧸 Baby items and essentials
  • đź’™ Wellbeing packs

These items are chosen because they support children’s physical and mental wellbeing and meet basic needs

👉 The grant is typically around £50 per child per household to help with these urgent costs.

⚠️ How it works (important for families)

  • Families cannot apply directly
  • Instead, a professional applies on their behalf, such as:
    • a school
    • social worker
    • health professional
    • housing support worker
    • charity or community organisation

This helps make sure the funding goes to young people with genuine need.

đź’ˇ What makes this support different

  • It provides fast, practical help with essentials (rather than long-term benefits)
  • It is often used when families are in crisis or immediate hardship
  • It can act as a “lifeline” when there’s no other quick support available

Shopping for appliances

Buying your next home appliance second hand is a great way to save money and reduce the amount of usable appliances going to landfill. You can reduce packaging going to waste as new appliances come with a bin-full of packaging materials and not all of them are recyclable. But how do you ensure you’re buying good quality second hand appliances? We’ve got some top tips to help you.

If you are buying from an individual then make sure to see the item before you pay and fully test that it works before you take it home with you.

Having the model or serial number of the appliance so you can get spare parts if you need to and to download the manual for appliances off the internet in case you need to.

Don’t be put off by dirt or cosmetic marks and damage as this isn’t detrimental to how well the appliance will work.

Where possible see if you can test that the appliance works e.g. a kettle or microwave can be plugged in and you can check the settings. This isn’t possible with every appliance and in particular larger appliances, so if buying from a shop or organisation, check with their guarantee or returns policy.

Ensure that the wires are intact, no fraying or damage to them. This is because frayed wires can cause fires or give you an electric shock.

Where to find second hand bargains

Some brands that sell refurbished appliances include DualitNinja, and Vitamix. And you can sometimes find kitchenware and cookware on Ikea re-shop and re-use.

As well as physical shops, some charity shops have dedicated online selling platforms, such as ebay shops. Second hand appliances in charity shops, or sold via their online platforms have to be PAT tested before being sold, so you have the peace of mind of knowing that the item you’re buying is safe.

But unlike professionally refurbished appliances, appliances sold by charity shops are pretty much sold in the condition in which they were donated, and don’t come with a warranty. The plus side is that they’re often very cheap, the downside is that there could be missing parts or the appliance may no longer be performing as originally intended.

Reuse Network - is a national network of reuse centres who stock high-quality, affordable household items. Many centres will still charge for items but at a significantly cheaper rate than retail. People on benefits get a discount of 30% on items they buy.

Online marketplaces

Websites like ebayGumtree, Facebook marketplace and Vinted, are all excellent places to source good quality second hand appliances. Many people sell high quality appliances for reasons such as moving house, or unwanted gifts, so there are bargains to be had.

Always follow the safety rules set out by the website to ensure you stay protected. If possible, meet the seller in person and inspect the item before handing over any cash. If the item is being posted, paying through sites such as PayPal can offer additional protection.

Grants

There are a number of charities which give grants to young people who are struggling financially. Search for grants.

Shopping for appliances

Buying your next home appliance second hand is a great way to save money and reduce the amount of usable appliances going to landfill. You can reduce packaging going to waste as new appliances come with a bin-full of packaging materials and not all of them are recyclable. But how do you ensure you’re buying good quality second hand appliances? We’ve got some top tips to help you.

If you are buying from an individual then make sure to see the item before you pay and fully test that it works before you take it home with you.

Having the model or serial number of the appliance so you can get spare parts if you need to and to download the manual for appliances off the internet in case you need to.

Don’t be put off by dirt or cosmetic marks and damage as this isn’t detrimental to how well the appliance will work.

Where possible see if you can test that the appliance works e.g. a kettle or microwave can be plugged in and you can check the settings. This isn’t possible with every appliance and in particular larger appliances, so if buying from a shop or organisation, check with their guarantee or returns policy.

Ensure that the wires are intact, no fraying or damage to them. This is because frayed wires can cause fires or give you an electric shock.

Where to find second hand bargains

Some brands that sell refurbished appliances include DualitNinja, and Vitamix. And you can sometimes find kitchenware and cookware on Ikea re-shop and re-use.

As well as physical shops, some charity shops have dedicated online selling platforms, such as ebay shops. Second hand appliances in charity shops, or sold via their online platforms have to be PAT tested before being sold, so you have the peace of mind of knowing that the item you’re buying is safe.

But unlike professionally refurbished appliances, appliances sold by charity shops are pretty much sold in the condition in which they were donated, and don’t come with a warranty. The plus side is that they’re often very cheap, the downside is that there could be missing parts or the appliance may no longer be performing as originally intended.

Reuse Network - is a national network of reuse centres who stock high-quality, affordable household items. Many centres will still charge for items but at a significantly cheaper rate than retail. People on benefits get a discount of 30% on items they buy.

Online marketplaces

Websites like ebayGumtree, Facebook marketplace and Vinted, are all excellent places to source good quality second hand appliances. Many people sell high quality appliances for reasons such as moving house, or unwanted gifts, so there are bargains to be had.

Always follow the safety rules set out by the website to ensure you stay protected. If possible, meet the seller in person and inspect the item before handing over any cash. If the item is being posted, paying through sites such as PayPal can offer additional protection.

Grants

There are a number of charities which give grants to young people who are struggling financially. Search for grants.

Landlords, especially if they are a social landlord, (housing 
associations and council housing providers), often have small grants that tenants can apply for. These include VividSovereign HousingClarion Housing and Aster.

Speak to your housing association for more information.

Use the internet to search for reuse organisations that may sell second hand furniture and appliances.

Here are some websites or organisations you could try:

Gumtree - for second hand furniture and appliances for sale.
Emmaus Hampshire is a social enterprise which helps people out of homelessness. They have a large furniture shop in Eastleigh.
The Community Furniture Project in Basingstoke sells a wide range of used furniture.
The Furniture Helpline in Alton provides affordable household goods, household furniture and white-goods at very low prices to those with a need.
Jacob's Well Care Centre aims to provide furniture to those in need in the Gosport area.
Search the Community Directory to find organisations that can help with furniture.

Charity shops, such as the British Heart Foundation, are also a good place to start if you want to buy second hand goods for the home at affordable prices.

Scratch 

Furnish to Flourish provides basic furniture and household items to individuals and families who are suffering poverty and disadvantage who live in Hampshire.

To access this ask any agency helping you to contact Scratch to refer you.

Furnish to Flourish can offer a Basic Package of furniture including:

  • Three Piece Suite (or similar seating)
  • Beds (as many as are needed, including Doubles, Singles, Cots (when available))
  • Bedding
  • Curtains
  • Kitchen Box (crockery, cutlery, pots & pans etc.)
  • Kettle
  • Toaster
  • Wardrobe
  • Chest of Drawers
  • Bedside Cabinets
  • Table & Chairs
  • Coffee Table
  • T.V. Cabinets

You will need to pay some money towards this but you get enough furniture to furnish you entire home and it is delivered to you.

They are also able to help with single items of furniture - please contact the SCRATCH office for further information and current prices for single pieces.

Some household waste recycling centres have sections where you can buy second hand furniture.

Low cost credit

Smarter Buys
Smarter Buys works in partnership with a number of social landlords to offer tenants a responsible, affordable finance alternative to high-cost high street stores.

If you aren’t a tenant of one of the participating social landlords, you can still purchase essential furniture items from the store but may need a debit or credit card to do so.

Credit Unions
A good place to start is your local Credit Union. A Credit Union is a financial co-operative which provides savings, loans and a range of services to its members. It is owned and controlled by the members so it’s aim is to provide the best service to members rather than profits for 
shareholders.

They can provide loans at low interest rates to members and they encourage members to save with them which is a great way to start building up a credit rating.

Fair for You
Fair for You is an alternative to high cost weekly payment stores and offers 
flexible affordable loans to people on low incomes. It allows families to buy goods direct from their suppliers, with flexible affordable repayment schedules.

As well as helping people access essential items affordably, it also serves to improve their credit rating, making it much easier for them to access mainstream credit in future.

You pay what you can afford, when you can afford it and the faster you pay it off, the less you pay. 

Affordable Loans
Affordable Loans is a useful website that provides an online portal to a range of affordable lending providers. They also partner with Step Change to provide debt advice as well. You can apply through their website and be directed to a local community lender, with low interest rates and with the option of additional debt support. 

Landlords, especially if they are a social landlord, (housing 
associations and council housing providers), often have small grants that tenants can apply for. These include VividSovereign HousingClarion Housing and Aster.

Speak to your housing association for more information.

Use the internet to search for reuse organisations that may sell second hand furniture and appliances.

Here are some websites or organisations you could try:

Gumtree - for second hand furniture and appliances for sale.
Emmaus Hampshire is a social enterprise which helps people out of homelessness. They have a large furniture shop in Eastleigh.
The Community Furniture Project in Basingstoke sells a wide range of used furniture.
The Furniture Helpline in Alton provides affordable household goods, household furniture and white-goods at very low prices to those with a need.
Jacob's Well Care Centre aims to provide furniture to those in need in the Gosport area.
Search the Community Directory to find organisations that can help with furniture.

Charity shops, such as the British Heart Foundation, are also a good place to start if you want to buy second hand goods for the home at affordable prices.

Scratch 

Furnish to Flourish provides basic furniture and household items to individuals and families who are suffering poverty and disadvantage who live in Hampshire.

To access this ask any agency helping you to contact Scratch to refer you.

Furnish to Flourish can offer a Basic Package of furniture including:

  • Three Piece Suite (or similar seating)
  • Beds (as many as are needed, including Doubles, Singles, Cots (when available))
  • Bedding
  • Curtains
  • Kitchen Box (crockery, cutlery, pots & pans etc.)
  • Kettle
  • Toaster
  • Wardrobe
  • Chest of Drawers
  • Bedside Cabinets
  • Table & Chairs
  • Coffee Table
  • T.V. Cabinets

You will need to pay some money towards this but you get enough furniture to furnish you entire home and it is delivered to you.

They are also able to help with single items of furniture - please contact the SCRATCH office for further information and current prices for single pieces.

Some household waste recycling centres have sections where you can buy second hand furniture.

Low cost credit

Smarter Buys
Smarter Buys works in partnership with a number of social landlords to offer tenants a responsible, affordable finance alternative to high-cost high street stores.

If you aren’t a tenant of one of the participating social landlords, you can still purchase essential furniture items from the store but may need a debit or credit card to do so.

Credit Unions
A good place to start is your local Credit Union. A Credit Union is a financial co-operative which provides savings, loans and a range of services to its members. It is owned and controlled by the members so it’s aim is to provide the best service to members rather than profits for 
shareholders.

They can provide loans at low interest rates to members and they encourage members to save with them which is a great way to start building up a credit rating.

Fair for You
Fair for You is an alternative to high cost weekly payment stores and offers 
flexible affordable loans to people on low incomes. It allows families to buy goods direct from their suppliers, with flexible affordable repayment schedules.

As well as helping people access essential items affordably, it also serves to improve their credit rating, making it much easier for them to access mainstream credit in future.

You pay what you can afford, when you can afford it and the faster you pay it off, the less you pay. 

Affordable Loans
Affordable Loans is a useful website that provides an online portal to a range of affordable lending providers. They also partner with Step Change to provide debt advice as well. You can apply through their website and be directed to a local community lender, with low interest rates and with the option of additional debt support. 

There are a few things you can do to before you go shopping that can help you save money;

  • Plan your meals: Decide what you'll eat for the week to create a shopping list. 
  • Inventory your pantry: Check your fridge, freezer, and cupboards first to avoid buying more than you need. 
  • Shop on a full stomach: Eating before you shop can prevent impulse buys driven by hunger. 
  • Make a list and stick to it: This is your best defence against unplanned purchases. 
  • Check for sales and coupons: Look at store promotions and use loyalty programs or cashback apps for extra savings. 

There are a few things you can do to before you go shopping that can help you save money;

  • Plan your meals: Decide what you'll eat for the week to create a shopping list. 
  • Inventory your pantry: Check your fridge, freezer, and cupboards first to avoid buying more than you need. 
  • Shop on a full stomach: Eating before you shop can prevent impulse buys driven by hunger. 
  • Make a list and stick to it: This is your best defence against unplanned purchases. 
  • Check for sales and coupons: Look at store promotions and use loyalty programs or cashback apps for extra savings. 
  • Compare unit prices: Look at the price per 100g or per ml on the shelf tag to find the best value, as the biggest package isn't always the cheapest. 
  • Opt for store brands: Own-brand are often cheaper than name brands and just as good. 
  • Buy in bulk: Buy items like rice, pasta, or toilet paper (things that don't go off) in bulk if the unit price is lower. 
  • Choose whole ingredients: Buy loose fruit and vegetables instead of pre-chopped or pre-washed versions. 
  • Be smart about meat: Buy cheaper cuts, use whole chickens for multiple meals, or replace some meat with budget-friendly plant-based proteins like beans and lentils. 
  • Consider frozen and canned: Frozen and canned fruits, vegetables, and fish are often cheaper and last longer than fresh. 
  • Shop the reduced section: Check for yellow-sticker items, but only buy them if you can use them right away or freeze them. 
  • Compare unit prices: Look at the price per 100g or per ml on the shelf tag to find the best value, as the biggest package isn't always the cheapest. 
  • Opt for store brands: Own-brand are often cheaper than name brands and just as good. 
  • Buy in bulk: Buy items like rice, pasta, or toilet paper (things that don't go off) in bulk if the unit price is lower. 
  • Choose whole ingredients: Buy loose fruit and vegetables instead of pre-chopped or pre-washed versions. 
  • Be smart about meat: Buy cheaper cuts, use whole chickens for multiple meals, or replace some meat with budget-friendly plant-based proteins like beans and lentils. 
  • Consider frozen and canned: Frozen and canned fruits, vegetables, and fish are often cheaper and last longer than fresh. 
  • Shop the reduced section: Check for yellow-sticker items, but only buy them if you can use them right away or freeze them.