Struggling to Afford Christmas? Here Are 5 Things That Can Actually Help Right Now

For many families, Christmas isn’t the most wonderful time of the year — it’s one of the most stressful.
With prices rising, energy bills still high and everyday costs piling up, thousands of parents are quietly wondering how they’ll make Christmas happen this year.

You’re not alone — and you don’t have to go through December on panic mode.
There are real ways to get support right now, and most don’t require waiting lists or endless forms.
Here are five practical sources of help available to UK families this Christmas.


1️⃣ Apply for Your Local Welfare Assistance Scheme

Every local council in England, Wales, Scotland and Northern Ireland runs an emergency fund — sometimes called Local Welfare Assistance or a Household Support Fund.
They can help with:

  • Food and supermarket vouchers
  • Gas and electricity top-ups
  • Essential household goods like bedding or school uniforms

Applications are usually quick and don’t always require benefits to qualify.
Search online for:

“Local Welfare Assistance” + your council name

or check your council’s website under “Help with the cost of living.”


2️⃣ Check If You Qualify for the Family Fund (For SEND Families)

If you have a child with special educational needs or disabilities, the Family Fund can award grants to help with essentials such as:

  • Sensory or learning toys
  • Tablets or laptops for learning
  • Bedding, clothing, or travel costs

You can apply once per year, and average grants range between £200 and £400.
Visit familyfund.org.uk for eligibility and application details.


3️⃣ Look Into Charities That Offer Small Grants

Many charities quietly offer one-off grants or vouchers for families in crisis — especially around Christmas.
A few worth checking include:

  • Turn2us — searchable database of national and local grants
  • Acts 435 — connects donors directly with people who need small amounts for essentials
  • Buttle UK — supports children and young people in crisis, including for beds, clothing and transport

These grants don’t need to be repaid, and applications are confidential.


4️⃣ Ask About Discretionary Support From Your Council

Even if you already receive Universal Credit or Housing Benefit, you can still apply for additional help:

  • Discretionary Housing Payments (DHP): if you’re struggling to pay rent
  • Council Tax Hardship Fund: if you’re behind on council tax
  • School Clothing or Meal Vouchers: for families on low income

It’s worth calling or emailing your local benefits team — each council manages its own budget and can sometimes make quick, one-off decisions for genuine hardship cases.


5️⃣ Don’t Forget Community Warm Spaces and Food Support

Across the UK, churches, libraries, community centres and even cafés are opening their doors as Warm Spaces — offering a safe, heated environment and sometimes free food or activities.

To find one near you, visit warmspaces.org or check your local council’s listings.
Many communities also run free Christmas lunch events or toy donation schemes — ask your local foodbank or school if they’re involved.


Final Thought

Asking for help isn’t failure — it’s survival.
The system is complicated, and families are carrying more than ever, but support does exist if you know where to look.

This Christmas, try to remember: children don’t need perfection — they need presence.
The memories you build matter far more than what’s under the tree.

If you need clear templates or wording to contact your council, or advice on navigating SEND-related benefits and grants, visit AskEllie.co.uk — all our guides are free and written by parents who’ve been there.

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