It's much worse than what you have mentioned. If the pandemic did not kill you, then the government is on a war path to kill off as many people as they possibly can through financial ruin. But the blame sits squarely on America if you want to know geopolitics. With American bases in the United Kingdom and throughout Europe after World War II, America now rules the world. Britain became free from debt to the US after the Second World War ended in 2006. Britain found herself still under the stranglehold of America. With the EU now and NATO being rejuvenated through Russian aggression via the five permanent members of the United Nations, the world is not a nice place, but perhaps it never was.
I suggest you change all your bulbs to LED; turn your boiler from automatic to manual so that when you need hot water, boost for 30 mins. Only warm up the water you need to boil in your Kettle. Use your washing machine during the night at a lower rate and 20 degrees at a spin cycle of 400; try to run the washing machine closer to 4:00 AM so that when you wake up, the clothes smell incredible. Charge your gadgets, phones, and watches at night and avoid charging during the day. Ensure all appliances are switched off from the sockets switch; do not run anything on standby. A device plugged into a socket that is not being used still uses five watts of energy, so imagine if you had many plugs still connected. When purchasing groceries, look at buying items that are on special price and buy for two grocery runs so you may benefit from the savings over a more extended period. Run the dishwasher at night if you have economy seven or are double-rated. Keep a close eye on your spending and budget yourself accordingly. If you are paying into charities, end them NOW! Consider rejoining them when you are more financially secure. Don't listen to their concerns; yours are more important right now. There will always be those who are well off and have so much to give, but that's not you right now.
If you're alone, go to your local library and ask for any meetings the local community holds to re-engage with others who are also having difficulty. Don't stay on your own for too long. If you find it difficult, visit your local church, and a good Samaritan will help you without cost. Be vigilant and thoughtful when dealing with your financial woes. The first pandemic was a virus. The second pandemic is the world we live in. After surviving, we now endure the financial reaping of our elected governments.