b'LIVING ON A LOW INCOMEMake a budget plan Emergency borrowing to makeMaking a budget will help youends meetunderstand where your money goesCrisis loans and grants from Sutton and where you can save money. It isCouncil provide help to cover the first step to take control of yourunexpected expenses in a crisis or financial situation, including knowingemergency. Support available includes:whats coming in, whats going out andFood vouchers for Morrisons when. It will also help you see whethersupermarketyoure living within your means. You canBeds, fridges, fridge-freezers, use this budget planner on the Moneycookers and washing machinesAdvice Service webpage. ChristiansKey or card top-up for gas and/or Against Poverty also offer a free courseelectric meter (British Gas are notto help you budget your money. part of this scheme)To find out if you are eligible visit the Ways to cut costs Councils website.It is easier to decrease your spendingDiscretionary Housing Payments (DHP) than it is to increase your income.can provide help if you need further There are simple ways to reduce yourfinancial assistance with housing costs household bills, such as switchingor council tax payments. Anyone who utility providers, shopping aroundrequires assistance with housing costs for groceries or getting a cheaperand is currently claiming Housing mobile phone deal. You can find moreBenefit or Universal Credit can apply for information and ideas on how to reducea DHP on the Councils website.your expenses on the Money AdviceBudgeting loans and advances are Service webpage and their budgetinginterest-free loans from the Social Fund and saving community on Facebook.that you might be eligible for. These can You can obtain specialist debt advicebe used for:from Citizens Advice Sutton and get free energy advice from SHINE London. travelling expensesclothing or footwearfurniture or household equipmentIn some accommodation money to help you look for oryou might not have access tostart worklaundry facilities, so you will improving, maintaining or securing need to keep a budget to do your homeyour washing at a laundrette. advance rent or removal expenses for a new home. 10'