Page last updated Monday 19 October 2026
Rising living costs mean that for households everywhere, it is harder to make ends meet.
In these difficult times, we are providing advice and information to save money, keep our homes warm and stay safe this winter.
You will find a round-up of help available from the government and other trusted sources on this page, which we will be keeping up to date when new advice and information becomes available.
You can also find news on our .
Your money 
Talk to us
If you are struggling with your bills or finding it hard to manage your household budget 鈥� please get in touch.
Our expert money advice team offers free and confidential advice for 91影视破解版 customers. In 2025/26, they helped over 4,00 people to apply for benefits, gain access to grants or trust funds and manage debt, achieving more than 拢10.6 million worth of additional income for customers.
Get in touch:
- Email: MoneyAdviceTeam@hpg.org.uk
- Visit one of our community hubs
- Speak to your Housing Officer
Pension Credit
If you鈥檙e aged over 66 and on a low income, you may be entitled to Pension Credit.听听
If you get Pension Credit, you鈥檒l automatically get cold weather payments.听You may also be eligible for help with NHS related costs, and a free TV licence if you鈥檙e over 75.听
Plus, you can backdate your Pension Credit by 3 months, meaning you鈥檒l get up to 3 months of money in your first payment.听
Find out more, and apply, on the or by calling 0800 99 1234.听
South Staffordshire council are running roadshows to help get people receiving Pension Credit. Find your nearest roadshow .听听
Social tariff for broadband
If you or anyone in your household claims Universal Credit, you could save on broadband by switching to a social tariff. All you need to do is check your provider offers a social tariff, if they don鈥檛 you can switch to one that does.听
If you think you are eligible, please visit the听听website.听
Introducing Housing Perks
Housing Perks is the UKs most popular money-saving app and it鈥檚 now available to 91影视破解版 customers.
You can save money on听the essentials that you use every day.
Save up to 50%听using the听free听Housing Perks app by paying with vouchers, cashback and discount codes.
Find out how to get started by visiting our Housing Perks page.
The Warm Home Discount Scheme
You could get money off your electricity bill for winter under the Warm Home Discount Scheme.
The money is not paid to you 鈥� it鈥檚 a one-off discount applied to your electricity bill.
The scheme is due to reopen in October 2024. Find out more on the听website.
The Winter Fuel payment
If you were born before 23 September 1958 and receive certain benefits including Pension Credit and Universal Credit, you could get a 鈥榃inter Fuel Payment鈥�.
If you think you are鈥痚ligible鈥痯lease visit鈥痶he听鈥痺ebsite鈥痜or information.鈥�
Money Helper
The government-backed Money Helper website offers free money and pensions guidance to make it quicker and easier to find the right help for you.
National Databank
To make sure everyone benefits from internet connectivity, the National Databank offers free mobile data for people who can鈥檛 access the internet.听
Our 91影视破解版 Community Hubs, in Stafford and Shrewsbury, are now part of this initiative providing free mobile SIM cards for people experiencing data poverty or living on a low income in our communities.听
Like a foodbank but for mobile data, you can drop-in to one of our Community Hubs for free and friendly help.听
See if you could be eligible for free mobile data through the National Databank, by visiting our National Databank page.听
Cold weather payments
A Cold Weather payment helps people on鈥痩ow incomes to heat their homes when it is鈥痯articularly cold.鈥�听
You鈥痬ay鈥痓e eligible for a Cold Weather Payment鈥痠f you鈥檙e getting:鈥��听
- Pension听Credit鈥�
- Income Support鈥�听
- Income-based Jobseeker鈥檚 Allowance鈥�听
- Income-related Employment and Support Allowance鈥�(ESA)
- Universal Credit鈥�听
- Support for Mortgage Interest鈥��听
Find out more on the听听website.鈥�听
The Healthy Start scheme
If you鈥檙e more than 10 weeks pregnant or have a child under 4 and receive Universal Credit or Child Tax Credit, you may be entitled to get help to buy healthy food and milk.
If you鈥檙e eligible, you鈥檒l be sent a Healthy Start card with money on it that you can use instore in some UK shops.
You can use your card to buy:
- plain liquid cow鈥檚 milk
- fresh, frozen, and tinned fruit and vegetables
- fresh, dried, and tinned pulses
- infant formula milk based on cow鈥檚 milk
To find out more and apply, visit the听. This scheme is available all year round.
Energy saving tips
Scam awareness
Cyber criminals may contact you via email, text, phone call or via social media. They will often pretend to be someone (or an organisation) you trust.
Scams are getting smarter and some even fool the experts!
If you receive a call, message, email or letter that looks like it may be a scam, please end the contact, do not respond or follow any links, and do not offer any personal or payment details.听For further information on听spotting and reporting听scam听emails, texts,听websites and calls, please visit the
If the scammer is claiming to be from 91影视破解版, you can also report this to us by calling 0800 007 4567.
Stop Loan Sharks
The financial pressures of the festive season can increase the risk of falling victim to loan sharks. If you can answer yes to one or more of these questions you might be borrowing from a loan shark:
- Did they offer you a cash loan?
- Did they not give you paperwork?
- Did they add huge amounts of interest or APR to your loan?
- Have they threatened you?
- Are you scared of people finding out?
- Have they taken your bank card, driving licence, passport, watch or other valuables from you?
You can report Loan Sharks to the Stop Loan Sharks team by听.
Local food banks
Other help and support
- 听offers free advice, discounts and offers
- 听offer advice on further grants and benefits available
- Shropshire Council 鈥撎�
- Staffordshire Council 鈥撎�.
- Shropshire Council 鈥撎�.
- Shropshire 鈥撎�.
- Shropshire 鈥撎�.
Talk to us
There鈥檚 a reason for the听plus听in 91影视破解版.
As well as being a trusted provider of affordable homes and care services, we鈥檙e here to do more for our customers, offering听free and confidential听Plus听services听like employment and money advice as well as support and investment for听our neighbourhoods.
If you are struggling with your bills or finding it hard to manage your household budget, please talk to us. Our expert advisors are here to help and are all ready to support you if you need to boost your job prospects.
Heating
Due to rising fuel bills, many people put off switching their heating on until the weather takes a turn for the worse.
We recommend that you test your heating to ensure any problems with your central heating system or boiler can be identified and fixed before you really need it.
We suggest you:
- Pick a day in September or early October to test your heating is working.
- Switch on the heating on a low setting.
- Test thermostats and radiator controls by turning them up and down.
- Test radiators by checking they are hot from top to bottom.
If you find any problems with your heating system please call us on听0800 007 4567.
Frozen pipes
Frozen pipes can also be a very common problem during the winter months and can be a serious issue. It does not have to snow or sleet for pipes to freeze, which can happen when temperatures reach 0掳C. In these temperatures the water in a pipe may freeze, causing the pipe to expand and potentially burst, resulting in extensive damage to your home.
You can take a few preventative measures, to avoid this happening:
- Before the start of winter, make sure all hoses are disconnected and outside taps are turned off.
- Run water through your taps regularly 鈥� frequent use of the cold water supply will reduce the chances of water freezing.
- Regularly inspect your plumbing (inside and outside) for signs of freezing. The first sign of a frozen pipe is usually when no water comes out of the tap, but you can also see it. Frozen pipes may have frost on the outside, be covered in ice, or be bulging.
Damp and mould
See it 鈥� Report it!
If you spot signs of damp and mould in your home or have any questions or concerns, please call our customer services team on听0800 007 4567, or send us a private message on听.
Condensation
Condensation can happen in听any home. It is caused by warm, moist air meeting a cool surface and turning into water droplets.
Everyday activities like cooking, boiling a kettle and taking a shower or bath can produce condensation. It is a bigger problem in the winter, when windows and walls are colder. We also tend to keep our windows shut in the winter and without ventilation, warm and moist air can鈥檛 escape.
Small amounts of condensation 鈥� like the steam from a shower condensing on our bathroom mirror 鈥� are not usually a problem and there are some simple things that we can all do, to help reduce it.
91影视破解版 has worked with the Energy Saving Trust to offer some easy tips to help you cut condensation. You can find our handy tips on听this page.
Handy ‘How To’ videos
We鈥檝e created some handy 鈥楬ow To鈥� videos to help听you deal with issues you may encounter around your home. Learn how to unblock your sink, locate and turn off your stop tap, and isolate a leak.听听
You can also discover what to do when your fuse box 鈥榯rips鈥� 鈥� and how to find out what is causing the problem.听
Frequently asked questions
What should I do if I have a frozen pipe?
- Open all of your taps fully.
- Check for leaking joints or burst pipes.
- Apply a hot water bottle, or thick towels soaked in hot water to pipes to help them defrost. Start at the end of the pipe nearest the taps and work your way along the pipe.
- Use electric fan heaters, only if it is safe to do so, to warm the room where the frozen pipe is.
- Do not use electrical items if there is a chance the pipe has already burst.
NEVER use a naked flame to defrost pipes. - Do not try to thaw the pipe too quickly as there may be splits in the pipe which are not immediately noticeable.
Warning!
- Do not rush thawing the pipe by using water that is too hot.
- Always make sure that you are standing at ground level when pouring water onto it – do not climb to a higher level to reach frozen pipes.
- Never disconnect the pipe.
- Always use suitable protection for your hands when handling hot water.
How do I know if I have a frozen condensate pipe, and what should I do?
Frozen condensate waste pipes are a common problem in the winter months. The majority of modern boilers have condensate pipes taking water vapour away from your boiler, making it more energy efficient. The condensate pipe is usually plastic, running
from your boiler and discharging internally into a waste pipe or externally into a gully.
In cold weather the condensate pipe (particularly those running externally) can freeze, even if insulated. If this happens then your boiler will automatically shut down and leave you without central heating and hot water.
There are a couple of ways to tell if your condensate pipe is frozen.
- You may hear some bubbling sounds coming from the boiler or the pipe itself.
- There may also be a warning light on your boiler indicating that the pipe is frozen.
If you want to try thawing an external condensate pipe yourself you can:
- Warm some water in the kettle – do not use boiling water as this could crack the pipe or scald you.
- Stand away from the wall and gently pour the warm water onto the frozen pipe.
- Repeat until the pipe has thawed.
- Once the condensate pipe has fully thawed, the boiler will need to be reset using the reset switch. Once reset, the boiler should fire up and run as normal.
- If you are unable to reset your boiler please contact our customer services centre to arrange an appointment for an engineer to attend.
If you are still having problems, please call us on 0800 007 4567.
Warning!
- Do not rush thawing the pipe by using water that is too hot.
- Always make sure that you are standing at ground level when pouring water onto it – do not climb to a higher level to reach frozen pipes.
- Never disconnect the pipe.
- Always use suitable protection for your hands when handling hot water.
How can I avoid cold weather problems around the house?
- Set your heating at the right temperature, ideally between 18掳C 鈥� 21掳C and try to heat
your bedroom overnight. If this isn鈥檛 possible, warm your bedroom at night before you go to bed. - If you have storage heaters, make sure they are set to fully charge at night, when electricity is cheapest.
- Make sure that your windows and curtains are closed, to keep the warmth in.
- Use an electric blanket or hot water bottle to warm your bed, but NEVER both together.听Only leave an electric blanket switched on all night if it has thermostatic controls for safe all-night use. Otherwise switch it off and disconnect it before you get into bed. Electric blankets should only be used in accordance with manufacturer鈥檚 instructions and fire service safety advice: .
Help us keep you safe
Christmas decoration safety
While fire safety is vital throughout the year, many of the things we enjoy over the Christmas period, such as candles, decorations and fairy lights, can all be fire hazards if care is not taken.
Staffordshire Fire and Rescue Service have shared advice on how to celebrate safely .
Using candles safely
In the dark winter months, candles, incense and Bukhoor can make our homes feel cosy. But we must remember to prioritise fire safety.听
Please follow the below guidance from and .听
- Never leave candles incense or Bukhoor unattended.听
- Always use a holder or a burner.听
- Burners and holders should always be put on a flat, non-flammable surface and away from windows.听
- Keep candles, incense or Bukhoor out of reach of children.听听
- Keep your clothing out of the way of the flames.听
- When you have finished with an incense stick, douse the tip in water and break it off. The remainder can then be relit later.听
Finally, remember to regularly test your smoke alarm. and recommend that you test your smoke alarm weekly.听
For more fire safety advice visit our fire safety page.听
The danger of using gas cookers to keep warm
Ovens and gas cookers are designed to cook our food, not heat our homes.听
Using a cooker as a heater to keep one room warm to try to save money, can be very dangerous.听
Unlike a gas fire, your cooker doesn鈥檛 have a flue to safely remove fumes. When cookers are used to heat a room, windows and doors tend to remain closed. Along with the danger of burns and an increased risk of fire, this turns a kitchen into a sealed box, leading to potential carbon monoxide poisoning.听
Please don鈥檛 put yourself at risk this winter and remember to check on neighbours when the temperature drops.听
The dangers of opening-up fireplaces to fit a coal fire or stove
Wood burners or solid fuel fires may seem like an attractive way to reduce energy costs. But they come with serious risks.听
Many houses have had fireplaces blocked, gas fires removed, or chimneys decommissioned. This is because they may have defects or operational issues that make them unsafe to you and a danger to your neighbours. Using them can risk fume leakages, chimney or house fires and structural issues.听
For that reason, we never give permission for new solid fuel fires or wood burning appliances to be installed. Unfortunately, where we do find these installations, we will arrange for their removal.听
Your wellbeing 
Free advice and activities in your community
ReConnected is a new service for people aged 55+ providing advice about the things that matter most to you, as well as activities and social events in your community.
It鈥檚 completely free for residents of Stafford Borough and South Staffordshire.
ReConnected is supported by the National Lottery Community Fund 
Remember to check on your neighbours
Cold weather can make some health problems worse, especially for those who are more vulnerable. Remember to check on your neighbours to make sure they are well and warm. Visit the NHS website for guidance.
Don鈥檛 brush off the 鈥榳inter blues鈥�
Many people experience feelings of loneliness and isolation at this time of year. For mental health information and support, visit the NHS website.
You can also visit our useful contacts page for signposts to mental health support and other help available.
Speak up about safeguarding
While it can鈥痮ften鈥痓e鈥痟ard to identify abuse or neglect,鈥痠f you have any concerns,鈥痯lease speak up. Find out how to contact your local safeguarding team on our safeguarding page.听