Money, Housing and Poverty
💰 Managing Money
- Budgeting basics: Write down what money you have and what you need to spend it on (travel, food, phone).
- Use free apps like Money Dashboard or Emma to track spending.
- Avoid borrowing from friends or payday loans, they can lead to debt.
🏦 Benefits
- If you’re under 16, benefits go to your parent/carer.
- If you’re 16+ and living independently, you might get Universal Credit or Housing Benefit.
- Check eligibility HERE.
📑 Bills
- Common bills: rent, gas/electric, water, Wi-Fi, phone.
- Always read contracts before signing, ask an adult or Citizens Advice if unsure.
- Pay bills on time to avoid extra charges.
🏠 Housing
- If you’re homeless or at risk, contact South Tyneside Housing Options:
☎ 0191 424 7644. - Emergency help: Out of Hours ☎ 0191 456 2093.
- If you’re under 18, social services must make sure you’re safe.
😟 What to Do If You’re Struggling
- Speak to a trusted adult, teacher, or youth worker.
- Contact South Tyneside Welfare Support Team for emergency help: ☎ 0191 424 6040.
- Food banks: HERE or call 0191 456 7131.
🗨️ Where to Ask Questions / Get Support
- Citizens Advice South Tyneside – Free advice on money, housing, benefits: ☎ 0300 3309 034 ·
- Kooth – Online mental health support
- Childline – Call 0800 1111 or chat online
- Turn2Us – Check benefits and grants
💬 Remember: Asking for help is okay. There are people and services ready to support you with money worries, housing, or food.
