Category Financial advice and support   Show all

  • Financial support available from the Crisis and Resilience Fund

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    Mum, dad and child shopping for a new fridge

    You can apply for the new Crisis and Resilience Fund (CRF) from 1 April 2026 if you need financial support. It replaces the Household Support Fund (HSF), ensuring that support is still available.

    The new fund will help residents who suddenly find themselves in a financial crisis, and it will also give longer‑term support to boost income and manage debt so that people feel more confident and secure when unexpected money problems arise.

    More information, and how to apply, can be found on the Council’s Crisis and Resilience Fund webpage. There is lots of information available, so please ensure you

    Mum, dad and child shopping for a new fridge

    You can apply for the new Crisis and Resilience Fund (CRF) from 1 April 2026 if you need financial support. It replaces the Household Support Fund (HSF), ensuring that support is still available.

    The new fund will help residents who suddenly find themselves in a financial crisis, and it will also give longer‑term support to boost income and manage debt so that people feel more confident and secure when unexpected money problems arise.

    More information, and how to apply, can be found on the Council’s Crisis and Resilience Fund webpage. There is lots of information available, so please ensure you read it all before applying:

    Crisis and Resilience Fund | Cheshire West and Chester Council


    Families receiving Free School Meals

    Families receiving Free School Meals, who previously got automatic payments during the school holidays (as part of the Household Support Fund), will now need to apply to the Crisis and Resilience fund if they need help during a financial crisis.

    For more information about Free School Meals, visit: Free school meals | Cheshire West and Chester Council

    While the Council will process applications as quickly as possible, we cannot guarantee that payments will be made before the Easter period, particularly if there is a high volume of requests.


    Other support available

  • Changes to make school uniforms more affordable

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    A row of school children sat talking in their uniforms

    Changes to uniform guidance for schools from September 2026 will help to make uniforms more affordable for parents and carers.

    The updates to the UK Children and Wellbeing Schools Bill aim to cut over £70 million from the cost of uniforms for families across the UK. Some of the changes which will help to make uniforms cheaper for families from September 2026 include:

    • Limiting the number of compulsory branded items in uniforms and PE kits
    • Schools updating their uniform policies so that they can be easily found and understood on their websites.

    To read the updated statutory guidance on the

    A row of school children sat talking in their uniforms

    Changes to uniform guidance for schools from September 2026 will help to make uniforms more affordable for parents and carers.

    The updates to the UK Children and Wellbeing Schools Bill aim to cut over £70 million from the cost of uniforms for families across the UK. Some of the changes which will help to make uniforms cheaper for families from September 2026 include:

    • Limiting the number of compulsory branded items in uniforms and PE kits
    • Schools updating their uniform policies so that they can be easily found and understood on their websites.

    To read the updated statutory guidance on the cost of school uniforms, please visit the Government website:

    Cost of school uniforms - GOV.UK.


    The Council's approach

    Everyone in full time education should have equal opportunity and access to the things they need to fully participate in school life. Please contact your school directly to see if they can provide any help for families, such as a uniform exchange scheme.

    The Council’s Crisis and Resilience Fund is available for any families who need help with a sudden or unexpected financial crisis. You can apply for the Crisis and Resilience Fund from 1 April 2026:

    Crisis and Resilience Fund | Cheshire West and Chester Council

    Help with school uniforms in Cheshire West

    If you’ve just got your school place, you might be starting to think about school uniforms. There are several local charities who can help with pre-loved school uniforms:

  • What support is available after the Household Support Fund?

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    A new Crisis and Resilience Fund (CRF) is being launched from 1st April 2026 to replace the Household Support Fund (HSF).

    The CRF will last for 3 years and is available to support low-income households who encounter a ‘financial shock,’ which can be described as ‘a sudden, unexpected expense or drop in income.’ The new fund will also support residents with longer term financial resilience and preventative support to communities.

    More information about the CRF and how to apply will be shared in the coming weeks. In the meantime, there is other support available including the Council’s Benefits Calculator and

    A new Crisis and Resilience Fund (CRF) is being launched from 1st April 2026 to replace the Household Support Fund (HSF).

    The CRF will last for 3 years and is available to support low-income households who encounter a ‘financial shock,’ which can be described as ‘a sudden, unexpected expense or drop in income.’ The new fund will also support residents with longer term financial resilience and preventative support to communities.

    More information about the CRF and how to apply will be shared in the coming weeks. In the meantime, there is other support available including the Council’s Benefits Calculator and Help in Emergencies for Local People (HELP) scheme:


    Benefits Calculator

    The Council’s online benefits calculator tool is available to all residents. You can use calculator to check whether you are receiving all of the benefits you’re entitled to and if you’re entitled to claim any additional support to improve your income.

    The calculator can also reduce your household expenses by recommending if you are eligible for cheaper social tariffs on your household bills.

    Follow this link to use the Benefits Calculator: Benefits Calculator.


    HELP scheme

    The Council also offers discretionary support for vulnerable residents facing crisis or emergency situations through our HELP scheme. This scheme can help with foodbank vouchers, emergency energy credit or refurbished furniture / white goods.

    For urgent crisis support, please contact the team on 0808 175 3599 between 9am and 5pm Monday to Friday.

    For more information or to apply for support with household goods, please visit Help in Emergencies for Local People (HELP) | Cheshire West and Chester Council.

  • Challenge Poverty Week: Let’s End Poverty Together

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    Challenge Poverty Week runs from 13–19 October. It’s a chance for us all to shine a light on the real challenges people face and to celebrate the incredible work already happening across our communities.

    We’re encouraging everyone to Do One Thing to take a simple step towards improving your financial wellbeing. Whether it’s having a chat with family, seeking advice, or reviewing your budget. Small actions can lead to big changes.

    Below are a few suggestions to get you started, remember you only need to do one.

    • Check your benefits – You may not be receiving all the benefits you’re

    Challenge Poverty Week runs from 13–19 October. It’s a chance for us all to shine a light on the real challenges people face and to celebrate the incredible work already happening across our communities.

    We’re encouraging everyone to Do One Thing to take a simple step towards improving your financial wellbeing. Whether it’s having a chat with family, seeking advice, or reviewing your budget. Small actions can lead to big changes.

    Below are a few suggestions to get you started, remember you only need to do one.

    If you’re part of an organisation that supports people in your community, tell us how you're making a difference. Share your work, your impact, and how you're listening to those with lived experience. Use the hashtags #ChallengePoverty and tag @go_CheshireWest so we can amplify your voice.

  • Household Support Fund update

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    The government’s Household Support Fund is there to support households most in need, especially with energy costs, food, water bills and other related essential items with two schemes currently open.

    Pensioner scheme – deadline for registering 17 October 2025

    We wrote to all eligible customers during June and July to invite a claim to receive a payment of £50. Not all eligible pensioners have registered their bank details with us to enable this payment to be issued so we have written again as a reminder of this scheme and invite a claim by the deadline of 17 October 2025.

    If

    The government’s Household Support Fund is there to support households most in need, especially with energy costs, food, water bills and other related essential items with two schemes currently open.

    Pensioner scheme – deadline for registering 17 October 2025

    We wrote to all eligible customers during June and July to invite a claim to receive a payment of £50. Not all eligible pensioners have registered their bank details with us to enable this payment to be issued so we have written again as a reminder of this scheme and invite a claim by the deadline of 17 October 2025.

    If you were invited to claim but have not yet done so, we would encourage you to register your bank details with us to receive the support and you will also automatically be considered for future similar schemes.

    More information can be found at:

    https://www.cheshirewestandchester.gov.uk/residents/benefits-and-welfare-help/cost-of-living/household-support-fund/pensioner-low-income-households

    Discretionary scheme

    Our new discretionary scheme which gives £150 to low-income households is now open for applications for those in need of support.

    This discretionary scheme is only open to households which have an active claim for Housing Benefit or Council Tax Reduction. As this is a new scheme, residents who already received support between May to September 2025, are now eligible to claim again.

    More information including how to apply can be found at :

    https://www.cheshirewestandchester.gov.uk/residents/benefits-and-welfare-help/cost-of-living/household-support-fund/energy-and-food-cost-support


    Winter pensioner scheme – due to open 10 November 2025

    In November, we will be opening our winter pensioner scheme. If you are eligible and have provided your bank details during the winter pensioner scheme last year, or during the summer pensioner scheme mentioned above, you’ll automatically be considered for this winter scheme too, with no need to apply again.

    For all other eligible low-income pensioners who are receiving Housing Benefit or Council Tax Reduction, we will contact you direct to advise how to claim this additional support.

    More information can be found at:

    https://www.cheshirewestandchester.gov.uk/residents/benefits-and-welfare-help/cost-of-living/household-support-fund/pensioner-low-income-households

    Additional support and advice is available for anyone who is struggling to pay their bills, requires debt advice or who’s health has been affected by the rising cost of living.

    http://www.cheshirewestandchester.gov.uk/cost-of-living

  • Major expansion in funded childcare for working families

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    Eligible working parents in Cheshire West and Chester could receive up to 30 hours of funded childcare each week during term time for children aged 9 months to school age. This change is part of the government's expanded Childcare Choices programme and is designed to help families with the cost of living, support working parents, and give children the best start in life.

    This is a fantastic opportunity for local families to access funded childcare from as early as nine months old. The cost of living can be challenging, and this support can make a real difference to parents balancing

    Eligible working parents in Cheshire West and Chester could receive up to 30 hours of funded childcare each week during term time for children aged 9 months to school age. This change is part of the government's expanded Childcare Choices programme and is designed to help families with the cost of living, support working parents, and give children the best start in life.

    This is a fantastic opportunity for local families to access funded childcare from as early as nine months old. The cost of living can be challenging, and this support can make a real difference to parents balancing work and family life. From the end of parental leave to the start of primary school, an average working parent could save up to £7,500 per year – money that stays in your pocket for your family's needs.

    Share this information with friends, family members, neighbours, and community groups. Many families still don’t realise they’re eligible, especially those with younger children or returning to work.

    For more information and to find out if you’re eligible for funded childcare, visit:

    The Best Start in Life parent hub

  • Discount travel across the borough, and beyond

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    Getting around using public transport can not only save you money but is good for the environment too. Check out the deals on offer across our borough and beyond.

    Avanti West Coast’s Superfare ticket extended to Chester

    The Superfare ticket offers low-cost journeys to and from London.

    The new fare costing £21 for a single journey, is available on direct Avanti West Coast trains between the two cities. It can be purchased at least 7 days in advance and up to 56 days before travel.

    The ticket enables customers to book a journey for a specific date at a cheaper

    Getting around using public transport can not only save you money but is good for the environment too. Check out the deals on offer across our borough and beyond.

    Avanti West Coast’s Superfare ticket extended to Chester

    The Superfare ticket offers low-cost journeys to and from London.

    The new fare costing £21 for a single journey, is available on direct Avanti West Coast trains between the two cities. It can be purchased at least 7 days in advance and up to 56 days before travel.

    The ticket enables customers to book a journey for a specific date at a cheaper fare with the choice of a morning, afternoon, or evening slot.

    Find out more

    itravel now departing on Saturdays

    itravel on-demand rural bus service covers a wide area including Helsby, Frodsham, Delamere and Acton Bridge, as well as some other villages where no commercial services are available.

    It is simple, easy and cost effective to use. Just register to use the service, book your journey and you’re off. The many simple, convenient and varied ways of booking make it easier to connect you to people and places.

    Monday to Friday 7am to 7pm (excluding Bank Holidays), and Saturdays between 9am and 5pm. You can book online, using the mobile phone app (available to download from the App Store or Google Play, or by telephone – 0330 678 1545.

    Booking details

    Chester Park and Ride

    Travelling into Chester for work or leisure? Park and Ride operates from Upton, Boughton Heath and Wrexham Road. Free parking, with discounts for groups now available. Buses operate three separate circular routes direct into the city, then back to your car park.

    PR1 – Wrexham Road Park and Ride: Grosvenor Road (for Racecourse and Law Courts) – Bus Interchange – Foregate Street stop AA (for shops and visitor attractions) – Pepper Street (for the River Dee and Boat Trips) – Grosvenor Road - Wrexham Road Park & Ride

    PR2 – Boughton Heath Park and Ride: Boughton Waitrose (for Business Quarter) - The Bars – Bus Interchange – Foregate Street stop AA (for shops and visitor attractions) – Boughton Waitrose - Boughton Heath Park & Ride

    PR3 – Upton (Zoo) Park and Ride: Liverpool Road (Countess Hospital) – Liverpool Road Abbotts Grange (for university) – Bus Interchange – Foregate Street stop BB (for shops and visitor attractions) – Liverpool Road Abbotts Grange – Liverpool Road (Countess Hospital) - Upton (Zoo) Park & Ride

    Find out more

    Get around for £3 until 2027

    Single bus fares to be capped at £3 until March 2027, ensuring services remain affordable and supporting travel in rural areas and towns.

    Cheshire West and Chester Council has worked with operators to encourage as many as possible to participate, although some services will not be eligible.

    Journeys starting in Wales are not eligible for the scheme, however local concessions have been introduced by some operators.

    Find our more

  • Free adult and family cycle training available

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    The Council is working with cycle trainers Bikeright to offer residents access to adult and family cycle training across the borough. The training will be tailored to suit your needs, whether you are a complete beginner or want to learn some more advance skills on your bike. Courses are available on a one-to-one basis with an instructor at a time and location that suits you. For family training, up to a maximum of six people can receive the training within your group.

    Find out more and sign up

    The Council is working with cycle trainers Bikeright to offer residents access to adult and family cycle training across the borough. The training will be tailored to suit your needs, whether you are a complete beginner or want to learn some more advance skills on your bike. Courses are available on a one-to-one basis with an instructor at a time and location that suits you. For family training, up to a maximum of six people can receive the training within your group.

    Find out more and sign up

  • Financial support for families with young children and teens

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    Tax-Free Childcare to help parents to save on their childcare bills

    With Tax-Free Childcare, families arranging childcare for the start and end of the school day can get financial support of up to £2,000 a year per child, or £4,000 if their child is disabled, towards the cost. Parents can use the scheme to pay for childcare for children aged 11 or under, or up to 16 if the child has a disability.

    For every £8 deposited in a Tax-Free Childcare account, the government tops it by £2 which means parents can receive up to £500 (or £1,000 if their

    Tax-Free Childcare to help parents to save on their childcare bills

    With Tax-Free Childcare, families arranging childcare for the start and end of the school day can get financial support of up to £2,000 a year per child, or £4,000 if their child is disabled, towards the cost. Parents can use the scheme to pay for childcare for children aged 11 or under, or up to 16 if the child has a disability.

    For every £8 deposited in a Tax-Free Childcare account, the government tops it by £2 which means parents can receive up to £500 (or £1,000 if their child is disabled) every three months to use to pay for their childcare costs.

    Once an account is opened, parents can deposit money and use it straight away or keep it in the account to use whenever it’s needed. Any unused money in the account can be withdrawn at any time.  

    For more information about Tax-Free Childcare and how to register visit GOV.UK.


    Reminder to extend Child Benefit for your teen

    Parents of 16 to 19 year olds, who are staying in education or training, can extend their Child Benefit claim to guarantee payments in September.

    Child Benefit will automatically stop on 31 August on or after a child’s 16th birthday if it’s not extended.

    You can apply to extend Child Benefit quickly and easily via the HMRC app or online on the Gov.UK website. You need to do this by 31 August

    https://www.gov.uk/child-benefit-16-19

    Child Benefit is currently worth £26.05 per week - or £1,354.60 a year - for the eldest or only child and £17.25 per week - or £897 a year - for each additional child. More than 870,000 parents extended their Child Benefit claim for their teen last year with the majority confirming online or via the HMRC app in minutes.

    Child Benefit can continue to be paid for young people who are studying full time in non-advanced education as well as unpaid approved training courses. Visit GOV.UK to check full eligibility.

  • Important reminder to check your State Pension age particularly if you were born between 6 April 1960 and 5 March 1961

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    The Pensions Act 2014 set out the timescale for the increase in State Pension age from 66 years old to 67 years old and will first affect those born between 6 April 1960 and 5 March 1961.

    Anyone born between these dates should check their State Pension age to find out the earliest point at which they’ll be eligible for their State Pension.

    It’s important for everyone to check their State Pension age. You can do this by using the State Pension age calculator on GOV.UK State Pension age calculator

    The Pensions Act 2014 set out the timescale for the increase in State Pension age from 66 years old to 67 years old and will first affect those born between 6 April 1960 and 5 March 1961.

    Anyone born between these dates should check their State Pension age to find out the earliest point at which they’ll be eligible for their State Pension.

    It’s important for everyone to check their State Pension age. You can do this by using the State Pension age calculator on GOV.UK State Pension age calculator