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AIBU?

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Free stuff if on UC or PIP or money saving advice?

134 replies

StrengthPleaseToday · 17/10/2025 10:28

I may get flamed here but it's worth it as I think some here may have some good advice.

I've always worked until recently. My husband is disabled and has a number of chronic health conditions but never previously claimed benefits as I was supporting the family. I had managed remote work around caring for him until earlier this year. His health has deteriorated to where I need to be a full time carer, and we have now run out of savings. It will take a lot of treatment before he is well enough for me to take on any more work around his care.

We're now making claims for UC and PIP.

We also have small children aged 4 and 6. We live in London.

Does anyone have any tips or suggestions about either stuff you may get for cheap or free if on UC or PIP, especially anything for families?

I want to keep life for the children as nice as possible while we get through this.

Also with Christmas coming up I'm also interested in any money saving advice or suggestions about either Christmas events or where to buy gifts (ideally online) that are cheap or discounted for people on UC or PIP.

Thanks in advance!

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XenoBitch · 23/10/2025 20:53

NaranjaDreams · 23/10/2025 20:52

They don’t need to. The government uses a list of claimants from the 24th August. If you’re on UC, you’re considered a core recipient and don’t need to apply.

Ah ok. Thank you 🙂

NaranjaDreams · 23/10/2025 20:52

XenoBitch · 23/10/2025 20:48

Thanks for this.
My energy company does not know I am on UC though. Is this something you have to apply for?

They don’t need to. The government uses a list of claimants from the 24th August. If you’re on UC, you’re considered a core recipient and don’t need to apply.

XenoBitch · 23/10/2025 20:48

Thelnebriati · 22/10/2025 21:03

If you are on Universal Credit or another means tested benefit, you might be eligible for the Warm Home Discount, which is a £150 rebate on your electricity bill. Some energy companies apply it automatically so check your energy account online between now and the end of October.

www.gov.uk/the-warm-home-discount-scheme/low-income-England-Wales

Thanks for this.
My energy company does not know I am on UC though. Is this something you have to apply for?

NaranjaDreams · 23/10/2025 20:47

Thelnebriati · 22/10/2025 21:03

If you are on Universal Credit or another means tested benefit, you might be eligible for the Warm Home Discount, which is a £150 rebate on your electricity bill. Some energy companies apply it automatically so check your energy account online between now and the end of October.

www.gov.uk/the-warm-home-discount-scheme/low-income-England-Wales

Worth knowing that you had to be in receipt of UC or another qualifying benefit on 24th August, though.

Thelnebriati · 22/10/2025 21:03

If you are on Universal Credit or another means tested benefit, you might be eligible for the Warm Home Discount, which is a £150 rebate on your electricity bill. Some energy companies apply it automatically so check your energy account online between now and the end of October.

www.gov.uk/the-warm-home-discount-scheme/low-income-England-Wales

SummerFeverVenice · 21/10/2025 16:44

Rosscameasdoody · 17/10/2025 15:51

Respite for someone on PIP isn’t guaranteed. As well as the carers assessment, the disabled person would have to undergo a financial assessment to see if they are eligible as the respite would be in a care home, or involve additional home care. The mobility component of PIP won’t count towards the financial assessment, but many councils count the daily living component after 28 days in respite. And after 28 days in residential respite, the daily living component of PIP would be stopped by DWP unless the person was self funding - any stays within 28 days of each other are counted consecutively for this purpose.

Yes agree, feel in the spirit of pointing out things that are not automatic, your blue badge advice is not automatic in all areas of the UK:
“If your DH doesn’t already have a blue badge, then if he scores at least eight points on the mobility component of PiP, or ten points on planning and following a journey he will automatically qualify for a blue badge with no further assessment.”

Source: I score 10pts on PIP for mobility but my local council requires 12 pts/enhanced mobility to automatically qualify for a blue badge. I do not qualify for a blue badge.

XenoBitch · 19/10/2025 01:52

Rosscameasdoody · 18/10/2025 10:44

Anyone on UC or other means tested benefit needs to be careful if selling on Vinted, EBay, or any of the other selling platforms. Generally if you are just clearing out your old stuff and selling it for less than you paid for it, you’re fine, but if you make a profit, you need to report it to UC. If you reach a certain threshold (around £1750) or exceed thirty sales in a year, the selling platform will report the data they hold on you to HMRC.

HMRC don't care about you selling your own second hand stuff. And neither do UC, as long as your capital does not go above £6k, at which point you have to declare it.
Vinted might report what you make to HMRC but that does not mean you will have to pay tax on it.

Sidebeforeself · 18/10/2025 22:08

BoxesOnTheWardrobe · 18/10/2025 17:13

Because they do. Look at the responses on this thread.

Maybe read the thread ?

StrengthPleaseToday · 18/10/2025 19:24

Viviennemary · 18/10/2025 12:13

I've never heard of folk on PIP and UC qualifying for free things. What type of things are you expecting free.

I guess I wasn't expecting things for free as such, just that there may be some associated reductions on some things. Also just interested in free or low cost ideas for activities, and general deals or tips. Lots of great info on here, I'm very grateful.

OP posts:
Orangesandlemons77 · 18/10/2025 17:55

I think people have mentioned train discounts but there is also a discount on the bus for PIP I think

Also check out Food Pantries in the local area.

Pupil premium in schools, linked to free school meals. Also ask schools themselves as they sometimes have a discretionary fund for things like towards school uniform or trips (sometimes linked to the pupil premium)

BoxesOnTheWardrobe · 18/10/2025 17:13

Sidebeforeself · 17/10/2025 10:38

Why do you think people on UC or PIP would just get free stuff?!

Because they do. Look at the responses on this thread.

StrengthPleaseToday · 18/10/2025 17:02

cestlavielife · 18/10/2025 14:49

Well he needs to be able to have and acceot care from others. You cannot do it all without burnout and your dc will suffer. And contingency if you get ill. Who looks after him and dc then ? You need to be in hospital with a dc . What happens then?

That is a good point, thank you

OP posts:
Rosscameasdoody · 18/10/2025 17:02

Jumpeduppantry · 18/10/2025 11:10

@Zeborah being in receipt of PIP does not, on its own, usually qualify you for a reduction in council tax. Most councils offer a reduction if a room has been adapted specifically for the use of the disabled person (e.g. adapted bathroom) or if the disabled person has severe and enduring mental illness SMI (e.g. dementia).

A reduction is also offered if there is a member of the household who uses a wheelchair indoors.

Rosscameasdoody · 18/10/2025 16:59

Zeborah · 18/10/2025 12:07

That’s just not true. Your house is banded and it’s based on what band your house comes into. You can get a reduction if you’re a single occupier or you are disabled. Never has my council tax been based on what a household earns

There are council tax benefits available for low incomes. Just being disabled doesn’t qualify you though. You have to prove that an extra room for the exclusive use of the disabled person is necessary, or that they use a wheelchair indoors. You can also get a band reduction if someone in your household has dementia - but this doesn’t apply if there are more than two people in the household.

Rosscameasdoody · 18/10/2025 16:55

Viviennemary · 18/10/2025 12:13

I've never heard of folk on PIP and UC qualifying for free things. What type of things are you expecting free.

There’ve been quite a few things listed upthread.

petitpasta · 18/10/2025 14:57

It's worth checking if there's a benevolent fund for the sector you worked in. Many industries have one - retail, hospitality, most professions, newspaper industry, motor industry etc. Often they will offer grants for carers. Just try a few searches using keywords for your job plus fund or charity.

cestlavielife · 18/10/2025 14:49

StrengthPleaseToday · 17/10/2025 11:03

@UnbeatenMum I will look into those things and find out about adult social care. I think it would be difficult for my husband to have carers other than me for a variety of reasons, but it would be good to see what is available as yes we would be much better off if I was working at least a bit.

Well he needs to be able to have and acceot care from others. You cannot do it all without burnout and your dc will suffer. And contingency if you get ill. Who looks after him and dc then ? You need to be in hospital with a dc . What happens then?

cestlavielife · 18/10/2025 14:44

Lots of free stuff in london check time out kids .
Charity shops for gifts for children. Stop buying gifts for adults. Or if is famiky gathering one gift bought per person max £10 or f 15 goes in a pile take turns to pick one. Swaps allowed. It is fun and saves buying multiple adult presents.

If as you say he literally needs full time care and cannot be left on his own then ask for a carer assessment and for him to be provided with carers.
Speak to carers uk and get advice from your local carer group.
You need to care for dc primarily so if dh needs care 24 7 then get assessed maybe he can access a day centre or in home carers
You need to ask and find what is available and get proper carer assessment and his care needs assessed.

Viviennemary · 18/10/2025 12:13

Sidebeforeself · 17/10/2025 10:38

Why do you think people on UC or PIP would just get free stuff?!

I've never heard of folk on PIP and UC qualifying for free things. What type of things are you expecting free.

Zeborah · 18/10/2025 12:12

Well I’m disabled, not on universal credit & I am a pensioner & get a council tax reduction down to the band below the one my house is currently in; therefore a reduction

TigerRag · 18/10/2025 12:11

Zeborah · 18/10/2025 12:07

That’s just not true. Your house is banded and it’s based on what band your house comes into. You can get a reduction if you’re a single occupier or you are disabled. Never has my council tax been based on what a household earns

And you get a discount for being on a low income

Zeborah · 18/10/2025 12:07

That’s just not true. Your house is banded and it’s based on what band your house comes into. You can get a reduction if you’re a single occupier or you are disabled. Never has my council tax been based on what a household earns

seasid · 18/10/2025 12:06

I’ve been disabled my entire life and I’m a single parent to my son who’s also disabled - his needs are so severe that he’s only in part time school. Yet many services, school etc are aware of both mine and my sons complex issues especially me being a single parent and no one offers ‘free’ or ‘reduced’ things to help. They say to apply for PIP and DLA (which we both get) and that’s as far as the entitlement people often get help wifh

Harriet9955 · 18/10/2025 12:06

Zeborah · 18/10/2025 11:49

How strange, as council tax is not income based or means tested. Council tax in UK is based on where you live and what band your house falls into

Council tax support is means tested though so anyone claiming UC alone will likely qualify for council tax support . However you do not get extra council tax support because you claim PIP because many PIP claimants also work and have decent incomes and potentially large savings because it isn't means tested.

TigerRag · 18/10/2025 12:03

Zeborah · 18/10/2025 11:49

How strange, as council tax is not income based or means tested. Council tax in UK is based on where you live and what band your house falls into

Huh? Your council tax bill is based on your income in the sense that you do get a discount for being on a low income