Rent is usually the biggest bill you have, so getting it under control makes everything else easier. If you claim benefits, a few simple habits can keep you out of arrears and reduce stress.
Know your numbers
Start by writing down your rent, any service charges, and how much of it your benefit covers. If your benefit does not cover the full rent, the gap is your shortfall, and you need a plan for it. Our guide on Local Housing Allowance explains why a shortfall happens.
Pay the rent first
Treat rent as the bill you protect above all others. If money is tight, rent and keeping a roof over your head come before less urgent costs. Falling behind on rent has bigger consequences than most other debts.
Ask for the housing element to go to your landlord
With Universal Credit you can ask for a managed payment, where the housing part goes straight to your landlord. This can take the pressure off if you find it hard to hold the money back each month. Ask your work coach or check your journal.
Deal with a shortfall
- •Apply for a Discretionary Housing Payment from your council for short term help. See Discretionary Housing Payments.
- •Check you are getting all the benefits you are entitled to, using a free benefits calculator.
- •Ask the landlord whether the rent is negotiable.
- •If the gap is ongoing, look for a room within your budget.
If you fall behind
Do not ignore rent arrears. Talk to your landlord early, and get free debt and benefits advice. Citizens Advice and Shelter can help you make a plan and, where possible, keep your home. Our guide on your rights as a licensee covers what protections you have.
This guide is general information, not financial or legal advice.