Alternate Schemes for Financial Help
Alternate schemes do not mean payday and short-term loan providers. These types of companies that prey on the financially weak with exorbitant interest rates and fees should be avoided if possible. Generally there are multiple different ways to increase your income even if you do not qualify for Income Support, Employment and Support Allowance or Budgeting Loans. There are a number of alternate loan schemes that you should attempt, most of them you can apply for at the same time.
Besides the government support systems in place there are also thousands of private charitable organizations that have differing programs to help those in need. Not all of these programs help with cash payments, but even receiving food, clothing or shelter can help free up the weekly cash you may need for other areas. There are charitable organizations for almost every type of person in need. Those that sleep rough, single parent families, victims of abuse, those that are substance abusers, veterans and even students that need help financially.
A grant is a sum of money given for specific purposes or other forms of support such as advice, information or services to increase the quality of life for applicants. These grants do not need to be paid back. There are even charities that focus on providing help in financial emergencies as defined by them. If you are looking for a helping hand that can truly aid you in your time of need and have been turned down by government programs, charities are a great secondary source for short-term aid. Here is a great grant and charity organization search engine to help you find one that suits your needs.
One of the reasons you may be in a tough spot financially is that you are unemployed. However, if you have not leveraged all the assistance at your disposal it may be time to visit the Jobcentre Plus. The Jobcentre provides three different services for those that may be in financial hardship. If you have not submitted a claim for benefits since you were last employed it is a way to get financial assistance if you qualify. Besides the regular ESA support you could also apply for Jobseekers Allowance (JSA) as long as you are actively seeking employment, are between the ages of 18 and the pensionable age, available for work, a UK citizen living in the UK and currently work less than 16 hour per week. JSA provides either £57.35 or £72.40 per week depending on your age. The Jobcentre further helps those with advice, information and services related to job seeking including resume help, job posting information and interview help.
Since the Crisis Loans program has been discontinued there are alternate funding for those in financial crisis depending on your location within the Isles. In Scotland the Scottish Welfare Fund (SWF) has been implemented to help those living in Scotland that is having financial issues. While in Wales the Discretionary Assistance Fund has taken the place of the Crisis Loans. While in England, you will need to check with your local Council to see what type of financial assistance they may be providing.
Even when you do not qualify for the main sources of financial help there are alternate ways to get grants, loans or financial assistance in the UK.