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flag UK households urged to use free tools to check benefits and manage spending ahead of holiday costs.

flag As the year ends, MoneyHelper urges UK households to manage finances amid ongoing cost-of-living pressures, especially in the North-West. flag It recommends checking eligibility for unclaimed benefits like Universal Credit and Pension Credit using its free Benefits Calculator. flag Households are advised to review energy bills, compare suppliers while noting exit fees, and adopt energy-saving habits. flag Early planning for Christmas, including setting gift and meal spending limits, can ease financial strain. flag Families should also budget for other events like Diwali, Halloween, Bonfire Night, and half term. flag Free tools such as the Budget Planner are available to help manage spending across these occasions.

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