Money, Work & Life: Your Guide to Financial Wellbeing
Navigating the world of money, work, and life can feel overwhelming at times. Whether you’re facing financial hardship, looking for support with benefits, searching for secure housing, or seeking fulfilling employment, Forelight is here to help you find the information and resources you need. Our mission is to empower you to make informed decisions, access support, and build a brighter, more connected future.
Understanding Financial Wellbeing
Financial wellbeing isn’t just about how much money you have in the bank. It’s about feeling secure, being able to meet your needs, and having the confidence to plan for the future. At Forelight, we believe everyone deserves the opportunity to live a healthy, stable life—regardless of their circumstances.
Benefits: Know What You’re Entitled To
The UK benefits system can be confusing, but understanding what support is available can make a real difference. Whether you’re unemployed, living with a disability, caring for someone, or simply struggling to make ends meet, there are a range of benefits designed to help.
Key Types of Benefits:
- Universal Credit: A payment to help with living costs if you’re on a low income or out of work.
- Personal Independence Payment (PIP): Support for those living with long-term health conditions or disabilities.
- Carer’s Allowance: Financial help if you care for someone at least 35 hours a week.
- Housing Benefit: Assistance with rent for those on a low income (now largely replaced by Universal Credit for new claims).
- Child Benefit: Help with the costs of raising children.
How to Access Support:
- Use the Government’s benefits calculator to check what you might be entitled to.
- Speak to your local Citizens Advice or community advice centre for personalised guidance.
- Don’t be afraid to ask for help—many people are entitled to support they didn’t know existed.
Financial Hardship: Finding Help When Times Are Tough
Financial hardship can happen to anyone. Whether it’s due to job loss, illness, rising living costs, or a change in family circumstances, it’s important to remember you’re not alone.
Where to Turn:
- Local Councils: Many offer emergency grants, food vouchers, or support with utility bills.
- Debt Advice Charities: Organisations like StepChange, National Debtline, and Citizens Advice can help you manage debt and negotiate with creditors.
- Food Banks and Community Pantries: If you’re struggling to afford food, local food banks can offer short-term support.
- Energy Support Schemes: Check if you’re eligible for help with energy bills, especially during winter months.
Taking the First Step:
- Reach out early—don’t wait until things feel unmanageable.
- Keep a record of your income, spending, and debts to help advisers give you the best support.
- Remember, seeking help is a sign of strength, not failure.
Housing: Finding a Safe and Secure Home
A safe, stable home is the foundation of wellbeing. If you’re worried about your housing situation—whether you’re renting, facing eviction, or at risk of homelessness—there is support available.
For Renters:
- Know your rights as a tenant—landlords must follow strict rules around eviction and maintenance.
- If you’re behind on rent, speak to your landlord and seek advice early.
- Local councils can offer support if you’re at risk of losing your home.
For Homeowners:
- If you’re struggling with mortgage payments, contact your lender as soon as possible. They may be able to offer a payment holiday or restructure your loan.
- Government schemes may be available for those facing repossession.
If You’re Homeless or At Risk:
- Contact your local council’s housing department—they have a legal duty to help in many cases.
- Charities such as Shelter and Crisis provide advice, emergency accommodation, and longer-term support.
Employment: Finding Work and Building Skills
Work is about more than just a paycheque—it can bring purpose, routine, and a sense of belonging. Whether you’re looking for your first job, returning to work, or seeking a career change, there are resources to help you succeed.
Job Search Support:
- Jobcentres offer advice, training, and help with CVs and applications.
- Many local charities and community groups run employability workshops and mentoring schemes.
- Online platforms such as Indeed, Reed, and the government’s Find a Job service are good places to start.
Skills and Training:
- Adult education colleges offer free or low-cost courses in everything from IT to English and maths.
- Apprenticeships aren’t just for young people—many are open to adults looking to retrain.
- Volunteering can help you gain new skills and confidence, as well as build your CV.
Support for People with Health Conditions or Disabilities:
- Access to Work can provide funding for equipment, travel, or support workers.
- Disability Confident employers are committed to inclusive recruitment.
Building a Brighter Future
At Forelight, we know that money, work, and life are deeply connected. Financial worries can affect your health, relationships, and sense of self—but with the right support, things can get better.
Our Commitment to You:
- Information you can trust: We bring together reliable resources and expert advice.
- A supportive community: Connect with others who understand what you’re going through.
- Practical tools: From budgeting guides to job search tips, we’re here to help you take the next step.
Remember, whatever your situation, you are not alone. There is help available, and brighter days are ahead. Explore our resources, reach out for support, and take the first step towards financial wellbeing today.
If you need urgent help or want to talk to someone, visit our Get help page or contact your local advice centre. Forelight is here for you—every step of the way.