Financial Planning During Job Search

Benefits and income support

• Universal Credit – main income-related benefit for people on low income or out of work (in England, Scotland and Wales). GOV.UK+2GOV.UK+2
• GOV.UK benefits calculators – links to independent tools (e.g. entitledto, Turn2us) to estimate what they could receive. GOV.UK+1

Advice services

• Citizens Advice – free, confidential advice on benefits, debt, housing and employment.
  • National Adviceline (England): 0800 144 8848. Citizens Advice+2Citizens Advice+2

Practical guidance for clients

• Encourage a simple budget – list fixed costs (rent, bills, debts) and negotiable costs; prioritise essentials.
• Check eligibility for Council Tax reduction, local welfare schemes, and travel discounts (Jobcentre Plus Travel Discount Card, railcards, bus passes where available).
• Warn that Universal Credit can be sanctioned if conditions aren’t met; advise them to seek help quickly if they receive a sanction letter. The Sun