Managing your money

Whatever your financial situation, our Money Matters Team will work with you to give you all the support and advice you need.

Get help and support

Our Money Matters Team offers a free service to help you make the most of your money. The service is available to all tenants and you do not have to be in debt to use it.

We can arrange a confidential, face-to-face chat within 48 hours.

To contact our Money Matters Team, you can:

Calls will cost the same as a call to a landline and texts will be charged at your network’s standard rate. Both will be included as part of any inclusive minutes or texts on your mobile phone package.

Benefits and Universal Credit

Our Money Matters Team can help you claim benefits you are entitled to. You can use a benefit calculator to find out what benefits you could get.

This may include Universal Credit, which is money to help with your living costs. It is paid once a month and it is for people who are:

  • on a low income
  • out of work
  • cannot work

Our Money Matters Team can help you apply for Universal Credit.

If you get Universal Credit, the team will also make sure you get the full amount you are entitled to.

Find out about further help you can get with a Universal Credit claim.

Discretionary Housing Payment

Sunderland City Council provide a Discretionary Housing Payment to help with rent or housing costs. You can apply for a Discretionary Housing Payment if you already claim Housing Benefit or the housing payment through Universal Credit.

Apply for a Discretionary Housing Payment.

Budgeting your money

As the cost of living increases, it is important to keep track of your money.

MoneyHelper was set up by the government to give clear advice that can help you make informed choices about your money. They have many free and useful guides, tools and planners, including an easy-to-use budget planner.

Find more guides, tools and planners on MoneyHelper.

Debt advice

There are things you can do to reduce your debt. We recommend you to:

  • start dealing with your debt rather than ignore it
  • find all your debts and rank them by priority
  • contact your creditors and let them know your situation

We can work with you to arrange a repayment plan.

Find out more about how our Money Matters Team can help you recover from fuel debt.

Other help and support

If you are in financial hardship or need advice to help you work out your debts and how you might pay them, contact a debt advisor. You can get free, impartial and non-judgemental advice from:

Discount on your water bill

If you are struggling to pay your water bill, our Money Matters Team can help you apply for a discount. Northumbrian Water has a discount scheme that can reduce your bill by one-half.

You can also apply directly to Northumbrian Water for a discount on your water bill.

Energy costs, energy bills and fuel debt

We can offer energy advice that can help you reduce your energy costs and recover from fuel debt.