When money’s tight, everything feels a bit heavier. Whether it’s a temporary dip or things have been rough for a while, sometimes you just need a few quick wins to get through the week. No big life overhauls or unrealistic advice — just small, practical things you can actually do today to take a bit of pressure off. Here’s where to start.
Check what help you’re entitled to
If your bank balance is looking sad, the first thing you should do is find out what support you might be missing out on. You’d be surprised how many people qualify for things they’ve never even heard of. Take HEAP for example. It stands for Home Energy Assistance Program, and it can help cover heating and cooling bills if you’re eligible. There are also other local grants, food programs, or council support that could ease the pressure a bit. Don’t feel weird about applying either. These systems exist to help when things get tough, and you don’t need to be at rock bottom to qualify. A quick online search or phone call to your local authority could make a real difference.
Sell something you’re not using
You know that treadmill that’s been collecting dust since January? Or the box of old phones in your drawer? Now’s the time to cash in. Facebook Marketplace, Vinted, eBay — whatever’s easiest — just take a few photos and get listing. You might only make a tenner here or there, but it adds up. Even better if you can clear out your place at the same time. It’s way more satisfying than you’d expect. Plus, buyers collect things more often than you’d think, so you don’t even need to leave the house.
Cook what’s already in the cupboards
Before you do another food shop, have a proper look at what’s already in the house. You’ll probably find a few meals hiding in the back of your freezer or some tins you forgot about. Use what you’ve got before you spend anything. There are loads of websites that let you type in what ingredients you’ve got at home and give you meal ideas. Think beans on toast, jacket potatoes, pasta with anything. It doesn’t need to be gourmet — just filling.
Cancel things you don’t use
When was the last time you actually used that gym membership or streaming service? If you’re not getting your money’s worth, pause or cancel it for now. You can always go back to it when things feel a bit more comfortable. The same goes for subscriptions you signed up for and forgot about. Check your bank statement and see what’s coming out that you don’t really need. Even small amounts, like £5 here and there, can free up extra cash every month.
Reach out before things pile up
If you’ve got bills you can’t cover right now, don’t wait for final warnings. Contact the company and explain what’s going on. Most places would rather help you make a payment plan than have you ignore it altogether. Same goes for friends and family. You don’t have to go into every detail, but just saying, “Things are a bit tight right now” helps take the pressure off when someone suggests a night out or an expensive plan. You might even find they’re in the same boat.
