Personal and household finance

The pages in this section contain information to help you and the person you look after make the most of your money. These include:

• how to save money on household utility bills, such as gas, electricity, water and TV licence,
• council tax discounts, exemptions, and reductions that could apply to you and the person you care for, such as the disability reduction on council tax. These are not affected by your income or savings, or by the income and savings of the person you look after,
• budgeting and banking tips to help you manage your finances effectively,
• protecting your pension. Being a carer, especially if you have to give up work to care, can make a significant difference to your state or personal pension. Read our pensions pages for information on national insurance credits, carers credit and how to get financial advice if you have a personal pension.

You and the person you care for may also be eligible for benefits or tax credits. Try our tool below to check what you might be entitled to. Other ways to help ease financial pressure can be found in our pages on carers' benefits and benefits for the person you care for.