Cost of Living

Welcome to the Cost of Living Topic area.

This area will provide tailored updates, information and resources. 

We welcome you to use the Discussion section within this Topic to ask questions and start conversations.

  • Useful Financial and Legal Information

    Useful Financial and Legal Information This information has been put together to give you an overview of some of the services that are available to you. For further information please contact RN FPS at [email protected] SERVICE-RELATED SUPPORT MOD Service Allowanc...
    • 23 Sep 2026
  • SAIL Seafarers Advice and Information Line - Help with Money Worries.

    "SAIL is the only UK-wide Citizens Advice for seafarers and their partners. We are all experienced professional advisers who understand the issues you face. SAIL’s help is completely free. We provide support by phone, email and Zoom. SAIL ...
    • 23 Sep 2026
  • The Healthy Start Scheme - Help to Buy Food & Drink

    What is Healthy Start? If you’re more than 10 weeks pregnant or have a child under 4, you may be entitled to get help to buy healthy food and milk. If you’re eligible, you’ll be sent a Healthy Start card with money on it that you ca...
    • 23 Sep 2026
  • Childcare Checker - Learn about Government help with childcare costs.

    Did you know that you may be able to get government help with childcare costs? Whether you have toddlers or teens you could get support. Follow the links below to find out more: Go to the Government website "Get Childcare" and find the ste...
    • 23 Sep 2026
  • Association of Royal Navy Officers (ARNO) & The Royal Navy Officers' Charities (RNOC).

    Association of Royal Navy Officers (ARNO) & The Royal Navy Officers' Charities (RNOC). Founded in 1739 "The Royal Navy Officers' Charity (RNOC) provides benevolence to both serving and retired officers of the Royal Navy (RN, RM and QARNNS), their spouses, former spouses and dependants who are in need of financial support.Examp...
    • 23 Sep 2026
  • Greenwich Hospital

    Greenwich Hospital Helping the Royal Navy Community thrive Greenwich Hospital "focus on funding proactive and preventative interventions that can deliver positive change in people's lives. We fund support and projects to help the Royal Navy community thrive, e...
    • 23 Sep 2026
  • DDS - Armed Forces, Veterans and Armed Forces Community Discount Service

    DDS - Armed Forces, Veterans and Armed Forces Community Discount Service The Defence Discount Service offers a broad range of discounts to help your money go a bit further. These are the main discount areas covered: Beauty & Wellbeing Children & Baby Fashion Food & Drink Gifts & Flowers Ho...
    • 22 Sep 2026
  • Tax-Free Childcare Account

    Tax-Free Childcare Account Did you know that you can get up to £500 every 3 months (up to £2,000 a year)** for each of your children to help with the costs of childcare using the Tax-Free Childcare account? **The amount goes up to £1,000 every 3 months...
    • 22 Sep 2026
  • Council Tax Discounts and Exemptions

    Council Tax Discounts and Exemptions Should you be receiving a Council Tax or Contribution in Lieu of Council Tax (CILCOT) discount or exemption? You’ll usually have to pay Council Tax if you’re 18 or over. A full Council Tax bill is based on at least 2 adults living in a...
    • 22 Sep 2026
  • Naval Children's Charity - Cost Of Living Resources

    Naval Children's Charity - Cost Of Living Resources The cost of living is an ongoing concern for many. The Naval Children's Charity have a list of resources - both general and targeted at Naval families - that can help during these difficult times. FIND OUT MORE: Naval Children&#3...
    • 18 Sep 2026
  • Aggie's Pastoral Support

    Aggie's Pastoral Support Aggie’s Pastoral Workers are based at RN and RM establishments across the UK and they are available to support you and your family. Aggie’s Pastoral Workers are available to listen and chat, meaning that you can opening and confide...
    • 18 Sep 2026
  • The Royal Navy Benevolent Trust

    The Royal Navy Benevolent Trust Support from The RNBT is grouped into these distinct areas, also referred to as ‘categories of need’. We always consider applications from those who really need help, although there are some circumstances in which our Royal Ch...
    • 18 Sep 2026
  • Headspace - Mindful Money

    Headspace - Mindful Money Meditation and mindfulness can be useful tools to help you manage stress, anxiety, and fear that you may be experiencing. If you have financial concerns, including those arising out of the current cost of living crisis you may wish to consider this o...
    • 3 Sep 2026
  • Energy Bills Support

    Energy Bills Support If you’re on benefits or have a low income you may be eligible for: the Warm Home Discount Scheme energy-saving improvement schemes home energy support payments Warm Home Discount Scheme You could get £150 off your electricity bill fo...
    • 3 Sep 2026
  • Cost of Living help Guide - Money Saving Expert 90+ Ways to Save

    Cost of Living help Guide - Money Saving Expert 90+ Ways to Save In response to the Cost of Living Crisis the team at Money Saving Expert (MSE) have compiled 90+ ways to save money during this situation. To access the suggestions please visit Money Saving Expert Ways to Save , MSE also have a whole range of ...
    • 3 Sep 2026
  • Free Prescriptions and NHS Prescription Prepayment Certificate

    Free Prescriptions and NHS Prescription Prepayment Certificate Free Prescriptions You can get free NHS prescriptions if, at the time the prescription is dispensed, you: are 60 or over are under 16 are 16 to 18 and in full-time education are pregnant or have had a baby in the previous 12 months and have a valid...
    • 3 Sep 2026
  • Benefits Calculators

    Benefits Calculators Millions of people are missing out on support that they are entitled to. To completed a free quick assessment online visit Entitled to or turn2us and find out if you can claim any further support. If you already are receiving su...
    • 3 Sep 2026
  • Tips when making a Budget Planner

    Tips when making a Budget Planner Have you thought about making a budget planner? Are you not sure where to start or unsure if it would help you? A personal budget can show how to distribute you income effectively, how to support with savings, and get out of debt. We have foun...
    • 28 Aug 2026
  • Is it time to change?

    Is you mobile phone, broadband or TV contract or traffic come to an end? Then maybe its time to think about switching. Switching allows you to access better coverage, faster internet speeds, improved devices and better perks. If you've bee...
    • 28 Aug 2026
  • Debt and Financial Worries

    Debt and Financial Worries If you are struggling to make ends meet at the moment, you aren’t alone. Millions of households are finding it hard to pay for everyday items due to rapidly increasing prices. If you are worried about debts, you can get free impartial adv...
    • 28 Aug 2026
  • Places Kids Eat for Free (or £1) in School Holidays and Half Terms

    Places Kids Eat for Free (or £1) in School Holidays and Half Terms Check out this website where you can find details of places kids eat for free in school holidays and half terms. Follow this link to see where the current offers exist: Places Kids Eat for Free
    • 28 Aug 2026
  • Serve and Protect CU - Cost of Living and Financial Resilience

    Serve and Protect CU - Cost of Living and Financial Resilience "At Serve and Protect, we understand the unique financial challenges faced by members of the armed forces community. Whether you’re on active duty, a reservist, veteran, MOD Civil Servant or part of a military family, we’re here to p...
    • 28 Aug 2026
  • Government Cost Of Living information

    Government Cost Of Living information Find out about Cost of Living payments or how to lower your energy bills as well as support with mortgage payments and help with childcare and travel costs. Follow the links for more information England: Cost of living support: Overview - GOV.UK Help...
    • 28 Aug 2026