The cost of living has risen significantly across the UK and Merseyside is no exception. While housing is relatively affordable, energy, food, childcare and transport costs affect many households. Some areas have very low household incomes. This guide covers practical support, local schemes and ways to reduce everyday costs.
This guide is for general information only. It is not financial advice. Free debt help is available from charities and public bodies. Always check fees, terms, and eligibility before using a paid service.
Food banks are available across the UK through the Trussell Trust network and independent food banks. You do not need to be in severe hardship to ask for help — a referral from Citizens Advice, a GP, social worker or other professional is often all that is needed. Check your local area for community fridges, surplus food apps such as Too Good To Go and OLIO, and local community meals schemes.
The Household Support Fund is money given to councils by the government to help households struggling with food, energy and essentials. Eligibility and the form of support vary by council. Liverpool City Region Combined Authority and the five Merseyside councils run support schemes. Check your local council for current household support, food vouchers and emergency grants. Check your local council website for the current scheme.
If you are on a low income, you may be able to get help with NHS costs including prescriptions, dental treatment, sight tests and glasses through the NHS Low Income Scheme (HC1 form). Apply via NHS Business Services Authority.
Children in Reception to Year 2 automatically get free school meals. Children in older year groups qualify if the household receives Universal Credit below a certain earnings level or other qualifying benefits. Check with your child's school or on GOV.UK.
Apps such as Shopmium, Checkoutsmart and TopCashback can provide small savings on everyday purchases. Supermarket loyalty schemes, own-brand switching and meal planning are among the most reliable ways to reduce the weekly food bill.
While housing is relatively affordable, energy, food, childcare and transport costs affect many households. Some areas have very low household incomes. Liverpool City Region Combined Authority and the five Merseyside councils run support schemes. Check your local council for current household support, food vouchers and emergency grants.
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How do I get referred to a food bank?
Referrals for Trussell Trust food banks come from Citizens Advice, GP surgeries, social workers, schools and other organisations. Some independent food banks accept self-referrals. Contact your local Citizens Advice for help.
What is the Household Support Fund in Merseyside?
The Household Support Fund is distributed by your local council. Liverpool City Region Combined Authority and the five Merseyside councils run support schemes. Check your local council for current household support, food vouchers and emergency grants. Check your local council website for current eligibility and how to apply.
Can I get help with prescriptions?
If you are on a low income or a qualifying benefit, you may get free NHS prescriptions. A Prescription Prepayment Certificate (PPC) saves money if you need regular prescriptions. Check GOV.UK for the current cost.
What is the cheapest way to reduce my food bill?
Meal planning, own-brand switching and using loyalty points consistently are among the most reliable savings. Surplus food apps and community fridges can also help. Small changes add up over a month.
This guide is for general information only. It is not financial advice. Free debt help is available from charities and public bodies. Always check fees, terms, and eligibility before using a paid service.