I still live at home with my parents at 43 — they’re my best friends

Minreet Kaur, who lives at home in London, is pictured with her parents on the sofa
Minreet Kaur, 42, has always lived at home with her parents (Picture: Belinda Jiao)

There are many reasons why Minreet Kaur has never moved out of her parents’ house, but none of them are to do with money.

At 43 years old, Minreet’s mum and dad are her best friends. She’s lived in the same West London two-bed terrace with them, which they’ve owned since the 1970s, for more than four decades.

Every morning, Minreet and her mum, Pritpal, 73, make a cup of Indian tea, before going for a walk or a swim. They enjoy baking cakes, and Minreet’s introduced her mum to Netflix. The family are all avid runners; Pritpal completed the London Marathon in 2023, while Minreet crossed the finish line with her dad, Rajinder, 76, this year.

Minreet, a journalist, has slept in the same bedroom since childhood. The white cupboards, pink walls and white door have been there for 40 years.

‘All random colours chosen by my dad, who’s never wanted to change anything,’ Minreet tells Metro. She hasn’t added too much in the way of personal effects as she ‘doesn’t feel it’s her room.’

But she says that living with her parents is infinitely more comfortable than any home she’d be able to make for herself. She worries she’d feel isolated living alone.

FOR METRO Minreet Kaur, 42, who has lived with her parents since childhood. Pictured: Minreet???s parents in their living room. Shot on 11th November 2024. (C) Belinda Jiao 07598931257 www.belindajiao.com jiao.bilin@gmail.com
Pritpal and Rajinder love having Minreet at home (Picture: Belinda Jiao)

‘They let me do what I want, and they leave decisions to me as they know I’ve always taken care of them,’ Minreet shares.

‘When I changed career, they told me not to worry if I have to do some unpaid work as they can support me — that’s a really nice thing for them to do too.’

Minreet contributes to the household bills and pays for the weekly food shop, petrol, and insurance policies — and she never asks her parents to chip in.

‘They have worked all their lives. It’s my duty to look after them,’ she says.

She spends around £500 per year on car insurance, £100 per month on energy bills, £37 per month on water and £50 per week on food. She’s also now a carer for Pritpal who lives with myeloma, a form of bone marrow cancer.

Can Minreet ever see herself moving out? Yes — but only if her parents came with her.

FOR METRO Minreet Kaur, 42, who has lived with her parents since childhood. Pictured: Minreet with her mom in their living room. Shot on 11th November 2024. (C) Belinda Jiao 07598931257 www.belindajiao.com jiao.bilin@gmail.com
Minreet helps care for her mum, who has myeloma (Picture: Belinda Jiao)

‘I want to buy a house as a first-time buyer, but I would still move my parents in with me,’ she says.

Of course, there are challenges to living with your parents in your 40s. Organising plans can be difficult, as her parents like to know where she’s going and when she’ll be home. ‘I feel guilty if I’m out and want to come home whenever I like. They will stay up and wait — it’s an Indian cultural thing and they worry a lot,’ Minreet adds.

Minreet, who is single, says dating is also tricky. She says men are ‘put off’ by her living arrangements — and there are other challenges too. Rajinder sleeps downstairs, and Minreet says she’d never want to wake him up when coming home late, whether with friends or with a date.

For Pritpal and Rajinder though, having their daughter at home is a blessing.

‘It’s brought us closer together,’ Pritpal tells Metro. ‘She brings a lot of warmth and noise to the house in a good way. She makes us laugh, and we are so blessed to have her.’

FOR METRO Minreet Kaur, 42, who has lived with her parents since childhood. Pictured: Minreet in her upstairs bedroom. Shot on 11th November 2024. (C) Belinda Jiao 07598931257 www.belindajiao.com jiao.bilin@gmail.com
Minreet has had the same bedroom since she was little (Picture: Belinda Jiao)

But, Pritpal does encourage her daughter to move out: ‘We do worry about her, as we would hate to see her on her own when we aren’t here anymore.’

It’s little surprise that adult children are actively choosing to stay at home. For many, money – and the general state of the housing market – is a huge obstacle.

It’s estimated that Gen Z are facing average monthly mortgage payments of £1,739 – double the Millennial average of £863, and almost thrice that of their Boomer grandparents who have paid around £775. And, in 2023, just 20.1% of 25 to 34-year-olds and 28.4% of 35 to 44-year-olds were homeowners.

And, in other cultures, multi-generational households are nothing unusual. In Italy, grandparents play a significant role in family life, and there’s even a Grandparents’ Day: Festa dei Nonni. In India, according to a national survey, only 40% of elderly couples live without their children (or only with their unmarried children).

And in 2025, fresh research from the Institute for Fiscal Studies (IFS) finds that the number of 25 to 34-year-olds living with their parents has now increased by more than a third since 2006.

Then, 13% of this cohort were living at home, while by 2024, this figure had increased to 18%, equating to around 450,000 more young adults.

‘Stronger bond’

Back in the UK, Conor Lindsay, 27, is at the age you’d expect he’d fly the nest, but he’s enjoying fostering a closer relationship with his parents.

Conor hasn’t always lived at home in adulthood. He spent time in Australia, and has also lived with a friend. But after returning to the UK, with a small amount of savings and no job, he temporarily moved back in with his mum, Carmel, 56, and dad, Gary, 57 — a set-up which has now become long-term.

16/11/24 Conor Lindsay pictured with parents Carmel & Gary at home in Harviestoun Grove, Tillicoultry.
Conor lives with his parents, Carmel and Gary (Picture: Mark Ferguson)

Conor, who lives in central Scotland, tells Metro: ‘I’ve always got on well with my parents as they’re quite laidback, but the older I’ve got, I think it’s turned into more of a friendship, rather than just being parented by them. It’s made our bond 10 times stronger.’

Conor pays £250 per month for both rent and bills. He does a separate food shops, but they share household items, like butter and milk.

‘We all do our own housework but I clash with Mum over cleaning,’ Conor says, dubbing Carmel a ‘clean freak’ before adding that, deep down, ‘I know she’s right.’

The family also have shared hobbies. Both Gary and Carmel, who have an older daughter, Jess, 30, play dominos together most nights. ‘I’ll join in and play which is nice,’ Conor adds. Conor and his dad also enjoy a weekend ‘tradition’ of watching Soccer Saturday.

16/11/24 Conor Lindsay pictured with parents Carmel & Gary at home in Harviestoun Grove, Tillicoultry.
Conor would rather live with his parents than friends (Picture: Mark Ferguson)

The electrical engineer adds that he likes having a ‘support system’ around him. ‘As a single man, living alone can be very quiet. I don’t struggle with loneliness, but living alone is a lot less homely. I don’t think that feeling can be replicated unless you live with your family.’

But there are a few drawbacks to his situation – namely that, since his parents work different shifts, there is always someone at home.

‘I can’t really bring a date to the house unless I’m sure it’s going to be serious,’ Conor adds. ‘Weirdly when I was younger it didn’t bother me, but now I cringe at the idea!’

By comparison, all of Conor’s friends are on the property ladder, but he acknowledges that he simply prioritised travel over buying a home.

16/11/24 Conor Lindsay pictured with parents Carmel & Gary at home in Harviestoun Grove, Tillicoultry.
Conor and his dad share joint interests, like music (Picture: Mark Ferguson)

‘I’d like to buy my own place one day, but it’s going to take a while to save,’ Conor shares.

Meanwhile, Carmel and Gary love having their son at home. ‘We all get on well together,’ says Carmel. ‘We have plenty of room and we all eat at different times. We set him an amount and it’s always paid. Conor’s respectful of us, so it all works.’

While Conor pays his parents, not all families opt for this set up.

‘The best part of every day’

Shakila Karim, 26, lives at home with her mum, Sultana, 49, and dad, Karim, 51, in Hertfordshire. As an aspiring musician with no fixed income, she doesn’t pay her parents any rent, bills, or money towards the family food shop.

‘If I want specific snacks or alcohol I buy that myself, as my parents don’t drink,’ says Shakila, who is the reason for her family’s Ferrero Rocher sweet tooth — a treat she likes to buy the family.

**METRO** Shakila Karim with parents Sultana Parvin and Karim U at home in Ware, Hertfordshire.
Shakila lives at home with her parents in Ware, Hertfordshire (Picture: Anita Maric / SWNS)

When it comes to other household expenses, she pays for her own phone bill and car.

Shakila says their living arrangement works because they’re all so close. ‘I help Mum with her makeup, especially applying false eyelashes!’ says Shakila. ‘And I’m always borrowing her accessories, especially if I need more traditional clothing for a wedding. One time I needed to borrow her clothes for a Bollywood night in Hackney.’

And, her parents are always keen to hear her new material. ‘My dad always wants to be the first to hear my songs,’ she says. ‘He’s not very good at giving constructive criticism — he’s always a fan.’

**METRO** Shakila Karim with parents Sultana Parvin and Karim U at home in Ware, Hertfordshire.
Sultana and Karim want to support Shakila as she builds her own career (Picture: Anita Maric / SWNS)

Like Conor, Shakila’s initial motives for living at home were financial — she can save money while building her career. But she adds that now, ‘even if she had the cash to move out’ she’s not sure she would.

‘My parents are from a South Asian culture so they don’t really push their kids to move out as soon as possible. For me, it’s a cultural thing as well.’

Sometimes though, living at home is challenging for Shakila, who feels that her parents might use her as a safety net. ‘They rely on me a bit too much to be available when it comes to things like giving lifts,’ she says, remembering a rather early drive to Stansted Airport.

And, her ex-boyfriend used to ‘mock’ her for living at home. ‘I’m happy to always introduce my family to new partners, but it is a bit annoying how early it has to be, because I don’t have much of a choice to avoid it.’

**METRO** Shakila Karim with parents Sultana Parvin and Karim U at home in Ware, Hertfordshire.
Shakila is hopeful she’ll get her lucky break in music soon (Picture: Anita Maric / SWNS)

But for Karim, continuing to live with his daughter has been nothing but positive.

‘My favourite thing is seeing her every day and having a chat whenever possible. I enjoy learning so much from Shakila,’ he says. ‘It’s beautiful to have someone who is so knowledgeable and compassionate.’

And, despite Shakila’s insistence that she enjoys living at home, Karim thinks her mind will change.

‘We don’t know how long she will be living with us, but we’re hopeful she will get a lucky break and have a career in music. I think she will want to live in her own property then.’

‘This can be a challenging dynamic’

‘When adult children live with their parents at the family home it can help to keep wider family relationships together. It can provide adult children with an opportunity to spend more time with extended family,’ Fiona Yassin, family psychotherapist, and founder and clinical director of The Wave Clinic explains.

But, the arrangement can be a tricky one. ‘In adulthood, the child is no longer looking for the parent to be their guide or fixer. They now have developed viewpoints and opinions, and they won’t necessarily match the parent’s.

‘As a parent, you’re no longer providing the answers for a child. It’s now about two people expressing and sharing their own opinions, views and thoughts. This can be a really challenging dynamic. The key is to have respect and honesty.’

And, it can be all too easy to slip into old habits and behaviours.

‘The adult child will often slip into the role they had when they were younger – whether that’s through the language they use, mannerisms, or the way they expect things to be done,’ Fiona shares.

‘It’s likely the parent won’t want to take on a role of servitude, so the ‘old’ ways will need to shift. This should be the first boundary set – deciding the ‘new’ ways of living together.’

This article was originally published on November 19, 2024.

Do you have a story to share?

Get in touch by emailing MetroLifestyleTeam@Metro.co.uk.

Nearly half of UK renters are one month away from being homeless

Emma Harris with renting graphic.
Emma Harris, 49, has been left struggling after she was made redundant in August 2024 (Picture: Emma Harris)

Millions of people who rent are just one paycheque away from being homeless, a charity has warned.

Shelter estimates that 1.7 million private renters don’t have enough savings to pay rent if they found themselves unemployed.

This happened to software developer Emma Harris, 49, from Birmingham who was made redundant in August.

She receives Universal Credit of £600, but rent for her three-bedroom house is £995, excluding bills. Currently she is in rent arrears of more than £2,000.

She told Metro: ‘It is a continuous struggle. It is very depressing trying to balance whether I eat or pay bills.

‘Since being made redundant, I’ve been paying my bills late including the phone and internet bill.

‘I’ve had to reduce the amount of rent I pay because I’ve got to eat.’

Figures from the Office for National Statistics (ONS) show that the average rent across the UK increased by 9.1% to £1,362 for the 12 months ending in November 2024.

This is reflected through Shelter’s own stats that show 56% of private renters had their rent increased in the last year – putting immense strain on people’s finances.

Of these, one in three have had their rent increased by more than £100.

This is an issue experienced by Emma, who says her rent was increased, which on top of losing her job, has impacted her lifestyle.

She said: ‘I used to have certain hobbies like woodturning but I had to abandon that.

She’s also been forced to give up hobbies she previously had before being made redundant (Picture: Emma Harris)

‘I meet up with friends very rarely now so I experience isolation and always have to decide whether paying for petrol and driving is cheaper or using public transport.

‘I cancel hair appointments and other nice activities because I’ve got to eat.

‘I support what the Labour government are doing in terms of building 1.5 million homes but this housing must be affordable for those of the living wage or on Universal Credit.’

Meanwhile, Emma is actively looking for a new job and also considering retraining as a HGV driver and says she will hear back from a recent positive job interview tomorrow.

What is the Renters Rights Bill?

The new Labour government has introduced a Renters Rights Bill to transform private renting.

This follows record levels of evictions, rising rent rates and demands to pay several months rent in advance at the start of contracts.

Most significantly, it will scrap the section 21 ‘no fault’ evictions and introduce more fairness to the system.

Shelter’s campaign to fix renting

Shelter has launched a campaign to fix the renting crisis across the UK.

This is to demand protections against unfair evictions and measures to stop rent hikes – which will help to make sure renting is a stable, more secure option.

The charity believes this will then ease the pressure on social housing waiting lists and reduce homelessness.

Over the last year, 26,150 households were threatened with homelessness after being served a section 21 ‘no fault’ eviction, according to Shelter.

People can join the campaign here.

As of October 2024, the bill is currently at the ‘committee stage’ of reading – where a cross party group of 17 MPs read through the legislation line by line, and debate any changes which could be made ahead of the next phase – ‘report stage’.

Shelter is calling for the government to commit investment in the Spring Spending Review to build the 90,000 social rent homes a year for ten years needed to give everyone a genuinely affordable secure home.

Empty cardboard boxes outside Foxtons in London, following a protest against soaring rents. Organised by the London Renters Union (LRU) who have said there is a growing wave of renter-led demonstrations across Europe to highlight the impact of high rents and to demand controls. Picture date: Saturday December 14, 2024. PA Photo. Photo credit should read: Jordan Pettitt/PA Wire
It is hoped the Renters Reform Bill will improve the rights of renters (Picture: Jordan Pettitt/PA Wire)

How is the government supporting working renters?

In response, a spokesperson for the Ministry of Housing, Communities and Local Government, told Metro: ‘Our Renters’ Rights Bill will deliver on our promise to transform the private rented sector, so that people can put down roots and save for the future without fear of being evicted on a whim – including plans to end ‘no fault’ evictions for all existing and new tenants.

‘Through our Plan for Change, we will tackle the wider housing crisis we inherited head on, building the homes we need, delivering the biggest boost in social and affordable housing in a generation.’

What has Shelter said in response?

Polly Neate, chief executive of Shelter, told Metro that crippling rents are leaving renters unable to save money.

She said: ‘Decades of failure to build social homes has forced millions into private renting, leaving renters paying out eyewatering sums for often shoddy rentals.

‘For so many, the worry of being slapped with an unaffordable rent increase that would force them out of their homes and into homelessness looms large.

‘The only genuinely affordable alternative to private renting is social homes with rents tied to local incomes.

‘Until the government delivers the 90,000 social homes a year needed to end the housing emergency, Shelter will continue to be there for people who are at risk of homelessness to provide vital support and advice.’

Get in touch with our news team by emailing us at webnews@metro.co.uk.

For more stories like this, check our news page.

Here’s how much life cost in 1995 compared to 2025

It’s safe to say, things have changed a fair bit (Picture: Getty Images)

It’s 2025, and that means if you were born in 1995 you’ll be – gasp! – celebrating your 30th birthday this year.

This might make you feel really really old, but it may also lead you to reflect on what a different place the world is now compared to how it was back then.

The past 30 years have seen our lives transformed by everything from social media to streaming platforms, but many of the other products and bills we bought and paid in the 90s are still very much present and correct.

The only difference being that the prices are quite different to how they were back then – as highlighted recently by the Instagram page My90sthings.

So just how much did it cost to purchase a house, pay your council tax and buy some of your favourite foods, drinks and treats back in 1995 compared to now?

Read on to take a step back thirty years, while staring dejectedly at the contents of your 2025 wallet…

1. A pint of milk

‘Don’t cry over spilt milk’ – unless you’re in 2025 (Picture: Getty Images)

How much is a pint of milk? It might have been a popular celebrity interview question back in the 90s, but back then it wasn’t remotely expensive to snap up some milk for your cuppa.

In 1995 the average pint cost around 36p, meaning you could get two for a little over 70p. Enough to top up your hot drinks for days.

Now though? Well, a pint of semi-skimmed has more than doubled and will set you back around 85p in Sainsbury’s. If you go to Waitrose you’ll have even less change from that pound coin since it’ll cost you 95p.

2. A pint of beer

In the 90s it would set you back a lot less (Picture: Getty Images)

From a pint of milk, we move on to a pint of something stronger. Popping to the pub remains as popular an activity in the UK in 2025 as it was in 1995 but back then it would set you back a whole lot less.

The average price of a pint of beer 30 years ago was a mere £1.68. And today? Well according to the Office For National Statistics, as of November 2024, your average pint costs around £4.81.

This, of course, varies depending on where you are in the country. This Is Money reported last year that Gloucester is the cheapest place in the country to enjoy a pint, at a cost of around £3.61 – while in London your after-work tipple could cost you as much as £6.75.

3. A cinema ticket

You’ll have to save up for a trip to the cinema these days (Picture: Getty Images)

Going to the movies was a pretty big deal in 1995 and with such films as Toy Story, Jumanji and Die Hard With A Vengeance hitting screens, it’s not hard to see why.

But how much would it have cost you to go and watch all those films at your local multiplex instead of waiting for them to be released on video?

Well, back in 1995 you could pay a mere £3.48 for the privilege of watching Buzz Lightyear lark around onscreen. These days? According to the UK Cinema Association, the average price of a cinema ticket in the UK is £7.92. Again it depends on where you are in the country, with some London cinemas – such as the one in Selfridges – costing as much as £20 a ticket.

4. A Mars bar

Expect to fork out four times as much (Picture: Getty Images)

So you’ve bought your milk, you’ve had your pint, you’ve stopped by the local Odeon to catch a flick and now you pick up a Mars bar to munch on your way home. How much is it costing you? Well if you’d done this back in 1995 you could expect to part with just 25p for the privilege of chowing down on the chocolate favourite.

These days if you get it in Tesco you can expect to pay a whopping 85p for one single Mars bar, while it’s even more expensive in other places, such as Waitrose where the chocolate costs £1. That’s a whole lot of money for your Mars.

5. A dozen eggs

They’re certainly on the rise (Picture: Getty Images)

As the saying goes, you can’t make an omelette without breaking a few eggs – and if you pick up a dozen you’ll have one big omelette on your hands. But just how much would that jumbo breakfast have cost you a few decades ago?

You could buy a box of 12 for a paltry – or poultry – 63p. Nowadays? A pack of medium free-range eggs from Tesco will cost you £2.65, and if you want large eggs it’ll set you back an even pricier £3.15. So much for that cheap weekend brunch.

6. A litre of petrol

Unsurprisingly, it’s more expensive (Picture: Getty Images)

If you drive on a regular basis, chances are you’ll be complaining about petrol prices. Back in 1995, a litre of petrol came in at a lowly 53p.

Now, according to RAC Fuel Watch, the average price of a litre across the UK is around £1.36 for your unleaded, and £1.41 for diesel. Which, while cheaper than it was a couple of years ago, could still make topping up your car pretty darned pricey.

7. A Manchester United season ticket

Liverpool FC v Manchester United FC - Premier League
Sorry footie fans (Picture: Getty Images)

Hands up everyone who’d love to go and watch every Manchester United home game of the season? Nobody? Well if you do want to do that the easiest way to is invest in a season ticket, of course.

If you were going to Old Trafford in 1995 and wanted to show your dedication to the title-winning Red Devils, how much would it have cost you? Well, you’d have been expected to part with £228 for the privilege. These days? Well, Ticket Compare recently reported that the cheapest Man United season ticket costs £579 – over twice what you would have paid thirty years ago to watch a team half as good. Although it’s still cheap compared to Arsenal, whose cheapest season ticket is a whopping £1,073.

8. A Pot Noodle

Still a budget-friendly meal (Picture: Matthew Horwood/Getty Images)

Who doesn’t love a Pot Noodle from time to time? In 1995 a Pot Noodle would set you back around 67p. In 2025 your standard chicken and mushroom noodles will cost around £1.10 in both Tesco and Asda.

However prices vary, and supermarkets do sometimes have special offers on them which can knock the price down to 1995 levels, allowing you to relive the glory days.

9. A loaf of bread

You might actually save some money (Picture: Getty Images)

OK, so you don’t fancy a Pot Noodle – how about a sandwich, or a round of toast when you stumble in from that night out? Well back in 1995 that was competitively priced, with the average sandwich loaf costing you around 53p.

Astonishingly though this is one area where you could end up saving money compared to 1995, depending on which loaf you buy. Tesco’s cheapest loaf – HW Nevil’s white bread – currently costs 47p, while Sainsbury’s equivalent Stanford Street loaf is 50p.

Want anything fancier than a white sandwich loaf though? Then expect to pay more, with Tesco’s standard white bread costing 74p and a Warburton’s toastie loaf costing £1. And you might need a mortgage for sourdough.

10. Sony PlayStation

The PlayStation has lived longer than 30 years (Picture:Rasit Aydogan/Anadolu via Getty Images)

OK, so we get that the 90s may not have had all the trimmings when it came to the technology we rely on today (imagine, for example, living in a decade when mobile phones were used mainly for making phone calls). But one thing which did come along to distract us all that decade was the Sony PlayStation.

Originally hitting the market in Japan at the end of 1994 before arriving in Europe in September 1995, the first PlayStation would have set you back around £200. These days – and several generations of the console down the line – a brand new PS5 will cost you anything from £390 to just under £500 depending on which model you get and whether it comes with any games.

11. Fish and chips

Current prices are depressing, to say the least (Picture: Getty Images)

Ah, fish and chips. Wherever you live in the country, you can’t avoid this oh-so-British of delicacies. My90sthings reckons your Friday night takeaway would have set you back a mere £1.68p in 1995. Fast forward thirty years and, according to the Office for National Statistics, the average price of your fish supper in 2024 was around £9.88.

In some places, it can even be much, much more. For example, chippie chain Poppies in London charges a massive £22.95 for an equally massive cod or haddock with chips. Since we can’t confirm the price at every chip-selling establishment in the country, all we can say is the cost varies depending where you’re buying them. Expect to pay a fair bit more than £1.68 though.

12. A house

Good luck getting on the property ladder (Picture: Getty Images)

With so many struggling to get on the property ladder these days, it’s fair to say that the price of owning a home has soared over the past few decades – but how much did it cost back in 1995? Well, you could nab the keys to your own place for an average price of £55,762, which sounds like a bargain but it’s also worth remembering the average wage was lower, so buying a property wasn’t an option for everyone even back then.

Now? Zoopla reported in November that the average price of a house in the UK is £267,500 – and of course, it depends on what type of property you buy and where you live. Zoopla also revealed that the average property price in London is an eye-watering £537,500. Ouch.

How much was the average wage in 1995?

Stack of £4000 in twenty pound notes, UK
Thankfully wages are a little higher! (Picture: Getty Images)

So, we’ve told you how much everything cost back in 1995 and you may well have stared at all the figures in despair, willing those Mars bar prices to drop. But looking back, just how much was the average wage in 1995?

According to the Office for National Statistics, the average full-time male worker aged 30-39 would have earned around £389.70 per week, compared to £306.50 for a full-time female worker of the same age.

In 2024, the average annual weekly wage in the UK was £728. So while everything might have been cheaper, it’s worth remembering we all had a lot less money to buy it with.

Do you have a story to share?

Get in touch by emailing MetroLifestyleTeam@Metro.co.uk.

Cold Weather payment checker shows if your postcode is eligible for £25

GLENCOE, SCOTLAND - JANUARY 08: A walker passes Black Rock Cottage in front of Buachaille Etive Mor on January 08, 2025 in Glencoe, United Kingdom. The Met Office has issued weather warnings as a cold snap sweeps across the UK, bringing bouts of ice, snow, and rain. (Photo by Jeff J Mitchell/Getty Images)
Snowfall in Glencoe, Scotland (Picture: Jeff J Mitchell/Getty Images)

As the UK is hit with freezing temperatures, some households may be eligible for a special payment for cold weather.

If the mercury drops to 0°C or below for seven days in a row in a particular postcode, people living there could qualify for a payment of £25 to help with their heating costs.

This is separate to the Winter Fuel Payment, a benefit for pensioners which hit the headlines after Labour announced it would become means tested.

Low income households in England and Wales are eligible for Cold Weather Payments between November and March if the weather is particularly wintry.

With several parts of the UK facing yellow warnings for snow and ice, with amber warnings also in place over the weekend, it is possible the cold snap could last long enough to trigger the payments.

It is now possible to check whether your area will be included and see whether you are entitled to the money by visiting the website of the Department for Work and Pensions.

When are cold weather payments made?

These Cold Weather Payments are made between November 1 and March 31 to people who receive a range of benefits across England and Wales.

They have not yet been issued this winter, but it is possible that the first payments could be made this month if the cold weather stays for seven days or longer.

The scheme links postcode districts to Met Office weather stations which report temperatures on a daily basis. Each postcode district is assigned to a weather station with the most similar climate in terms of 1981 to 2010 average winter temperature.

Who is eligible for the Cold Weather Payment?

The Social Fund Cold Weather Payments (CWP) scheme provides help to individuals on benefits who are the most vulnerable to the cold. This includes:

  • Income Support
  • Older people in receipt of Pension Credit
  • Homeowner receiving Support for Mortgage Interest: who has a severe/enhanced disability premium; has a pensioner premium; has a child who is disabled; has a child under 5 living with you or who gets Child Tax Credit that includes disability/serve disability
  • Disabled adults, families with a disabled child or families with a child under 5, who are in receipt of Universal Credit
  • Income-based Jobseeker’s Allowance
  • Income-related Employment and Support Allowance

The payments are devolved in Scotland and Northern Ireland and made separately.

How to check the latest Cold Weather Payment Postcodes

The latest Cold Weather Payment postcodes are available via the Gov.uk postcode checker.

How much is the Cold Weather Payment?

Those eligible will receive £25 for each seven-day period over the winter months between November 1 and March 31.

If you are eligible, the money will be paid directly into your bank account automatically.

Alamy Live News. 2S1H3B1 Rockford Common, New Forest, Ringwood, Hampshire, England, UK, 4th January 2025, Weather: Cold and frosty and overcast morning. A weather system moving in from the south west will bring rain and snow later. Paul Biggins/Alamy Live News This is an Alamy Live News image and may not be part of your current Alamy deal . If you are unsure, please contact our sales team to check.
Snow is falling across the country (Picture: Alamy Live News.)

The DWP has confirmed that households do not need to apply or take any action to ensure they get the money.

In the 2022 to 2023 winter season, an estimated £137.6m was paid out in the scheme.

An estimated 5.5million payments were made to around 3.7million people.

A version of this article was first published on November 18 2024.

Get in touch with our news team by emailing us at webnews@metro.co.uk.

For more stories like this, check our news page.

ArrowMORE: UK braces for wet and windy weekend as more weather warnings announced

World’s richest 500 people now worth record £8,000,000,000,000

Elon Musk is £188billion richer than the second richest person in the world (Picture: AP/Getty)

Billionaires like SpaceX CEO Elon Musk, Facebook founder Mark Zuckerberg, and Nvidia boss Jensen Huang have accumulated a record amount of wealth.

The richest 500 people in the world now have a combined net worth of £8trillion – or $10trillion.

Meanwhile, nearly 700million people are in extreme poverty, living on less than £1.71 per day, according to the World Bank.

Just under half the population – 44%, or 3.5 billion people – live on less than £5.46, which is thepoverty line in upper-middle income countries like Brazil, Algeria, Ukraine and China.

Musk, Zuckerberg and Huang may top the charts, but they aren’t the only tech titans up there, Bloomberg reports.

They’re closely followed by Oracle co-founder Larry Ellison, Amazon boss Jeff Bezos, Michael Dell and Google co-founders Larry Page and Sergey Brin.

File - Amazon founder Jeff Bezos arrives at the Vanity Fair Oscar Party on March 12, 2023, in Beverly Hills, Calif. Amazon releases results on Thursday, Feb. 1, 2024. (Photo by Evan Agostini/Invision/AP, File)
Jeff Bezos is one of the richest people in the world (Picture: Evan Agostini/Invision/AP, File)

Collectively, the eight of them gained more than £477billion in wealth this year.

This accounts for 43% of the £1.2trillion increase seen by the 500 richest people tracked by the Bloomberg Billionaires Index.

Musk, the world’s richest man, saw his own worth nearly double to £352billion in 2024.

This was aided by the re-election of his ally Donald Trump as President of the United States, who he backed with money and the power of his social media platform X.

He may be increasingly controversial, but it resulted in boost to the stock prices of his companies Tesla, SpaceX and xAI.

This saw him pull further ahead of second-placed Jeff Bezos than ever before – with a record gap of £188billion.

Get in touch with our news team by emailing us at webnews@metro.co.uk.

For more stories like this, check our news page.

Who is eligible for pension credit – and how to claim?

There are many people who do not know that they are eligible for pension credits (Picture: Getty Images)

With the cost of living crisis continuing to bite, people are keen to know more about what schemes are out there to help them out.

Pension credits entitle those who are eligible to thousands more per year. Paid directly into your bank account, like other benefits they are designed to aid those living on a lower income.

People entitled to Pension Credit can also claim council tax discounts, free dental treatment, housing benefit and much more – including the Winter Fuel Payment to help you pay your heating bills.

Pension credits are different from a state pension, so we’ve explained who can claim and how the government scheme works.

What are pension credits and are they means-tested?

Pension Credit is a means-tested income-related benefit for those over the State Pension age.

People can earn two different types of Pension Credit.

The first is Guarantee Credit, which tops up your weekly income if it’s below a certain amount.

The second is Savings Credit, which is an additional payment for those who have money saved towards retirement, in the form of a pension or similar.

Couples can also apply for Pension Credit (Picture: Getty Images)

If you’re single, you can get up to £218.15 of Guarantee Credit per week if you qualify and a potential additional Savings Credit of up to £17.01.

If you have a partner, Pension Credit will top up your joint weekly income to £332.95 and you can claim an additional £19.04 a week if eligible.

You do not pay tax on Pension Credit.

Carers, those who are severely disabled, responsible for a child or young person, or have certain housing costs may be able to claim more.

You can use the government’s online Pension Credit calculator to work out how much Pension Credit you could claim.

Who is entitled to pension credit in the UK?

To be eligible for pension credit, you must live in England, Scotland or Wales and be of State Pension age or older.

As State Pension age is worked out based on gender and date of birth, it differs between generations and is also regularly under review.

You can check your current State Pension age online here.

To further determine eligibility for Guarantee Credit, your income will be calculated based on whether you receive a state pension, other pensions, social security benefits, what your earnings are and what savings you have (if any).

If your income totals over £218.15 a week (if you’re single) or £332.95 (if you’re a couple) then you may not be entitled to pension credit in the UK.

You may still be eligible for pension credit if your income is lower than this, even if you have savings, a pension or your own home.

You can only receive Savings Credit if you (and your partner) reached State Pension age before 6 April 2016 and you saved some money for retirement — for example, a personal or workplace pension.

You might still get some Savings Credit even if you do not get the Guarantee Credit part of Pension Credit.

Grey haired woman working from home using laptop
It’s worth checking if you are eligible for additional support (Picture: Getty Images)

How to apply

You can apply for Pension Credit online via the government website.

You’ll need the following information about you and your partner (if you have one):

  • National Insurance number
  • Information about any income, savings and investments you have
  • Information about your income, savings and investments on the date you want to backdate your application to
  • Bank account details and, depending on how you apply, you may also be asked for your bank or building society name, sort code and account number
A sign outside Department for Work and Pensions wall.
You can apply for Pension Credit online, over the phone or via post (Picture: In Pictures via Getty Images)

If you are unable to apply online, you can call the Pension Credit claim line on 0800 99 1234, or print and fill out a Pension Credit claim form to send via post.

You can start your application up to four months before you reach State Pension age and any time after you reach it.

However, your application can only be backdated by three months, meaning you can receive a maximum of three months’ worth of Pension Credit in your first payment.

Organisations like Citizens Advice or Age UK can offer help with your application should you need it.

For more information and advice on how to claim pension credit, you can visit the ‘How to Claim’ section on the gov.uk website.

Follow Metro across our social channels, on Facebook, Twitter and Instagram

Share your views in the comments below

Martin Lewis issues three-day energy overpayment warning to 48,000,000 Brits

Martin Lewis has urgent advice ahead of the energy price cap rise (Picture: Getty)

It’s happening again folks: gas and electricity prices are rising from January 1, 2025 – and Martin Lewis has some advice to help you avoid getting stung by hikes.

In the latest edition of his Money Saving Expert newsletter, the financial guru discussed the the Energy Price Cap, which is shortly due to go up by around 1%, following a hefty 10% average increase in October.

As of New Year’s Day, the unit rate for electricity will be 24.86p per kilowatt hour, with standing charges (the fixed daily fee you pay, even if you use no electricity – at 60.97p per day.

Gas, meanwhile, clocks in at 6.34kWh and now has a standing charge of 31.65p per day.

Bear in mind, the actual rates you’re charged vary slightly from region to region, and will differ depending on how you pay your bill and the type of meter you have. This will also change again from March 31, as Ofgem announces a new cap every three months.

More than 85% of people in England, Scotland and Wales will be impacted by the new cap though, and homes with typical use who pay by direct debit will see their bills rise by around £21 annually, totalling to £1,738.

And while this may not seem like much of an increase to some, the regulator claims UK households could potentially overpay by a collective £66 million if they don’t take action.

Home electricity smart meter in kitchen and stainless steel kettle.
If you’ve got a smart meter you don’t need to do anything. (Picture: Getty Images)

If you’ve got a working smart meter at home, you don’t need to do anything as it’ll be accurately giving readings to your supplier from January 1.

But for an estimated 48 million of us in the UK, (those without smart meters), Martin Lewis and the team have warned there’s an important step you need to take so you aren’t charged more than you should be.

The expert recommends giving an up-to-date meter reading to your energy company in the coming days, in order to ‘reduce the risk that your supplier estimates that you’ve used more at the new higher rate than you have’.

Comment nowHave you given an up-to-date meter reading to your energy company?Comment Now

However, you need to be tactical about when you do this.

If millions of people all rush to give a meter reading at the same time, this could cause a few issues — suppliers’ websites could crash and phone lines could become jammed, which may affect vulnerable people in need of assistance.

In order to avoid this, you should submit your reading a few days either side of the change (giving yourself until Friday, January 3 mean you have three days left) or take note of your reading and submit it after the price cap rise, as some companies allow you to backdate your reading.

According to Martin, if you submit your readings within this time period, ‘any discrepancy [with your energy charges] should be minor’.

How can I lower my energy bills?

‘The price cap increase will come as a blow to many households, many of whom are already struggling with the high cost of living,’ Amy Knight, personal finance expert at the financial comparison website NerdWallet UK, told Metro.

‘While cutting down on energy use can help save money on bills, this isn’t always an option. Instead, focus on getting more value from the money you spend heating your home.’

Here are Amy’s top tips to keep fuel bills low this winter:

Consider carefully before you switch energy provider

If you’re thinking of switching energy provider, discounted rates for new customers can lead to savings. But, take note of when the introductory period ends to avoid a nasty shock when your bill jumps up again.

If you’re already on a fixed deal that’s more expensive than the price cap, it may be worth seeing if you can switch to a cheaper variable tariff or a cheaper fixed deal. But, if you do decide to leave your current fix, you should first check if you need to pay any penalty fees.

Ask for a refund if you’re overpaying into your energy bill by direct debit

If you’re several hundreds or even thousands in credit, your direct debit is probably set too high.

You can ask for a refund of most of the balance and adjust your direct debit to be lower. Be aware though, it is normal to be in credit this time of year because most households use less energy in the summer versus the winter when we have the heating on.

How hot do you need your water?

Heating water uses a lot of energy, so you can turn down the flow temperature of your boiler to shave a little off your bills.

As long as the water from your hot tap is comfortable to have a bath in, you don’t need to set it any hotter. You can do this manually or you may be able to ask a heating engineer to fit a device called a ‘weather compensator’.

Remember where warm air comes from

Keep radiators uncovered to maximise the benefit when they’re on. If you have long curtains covering your radiators, leave them open to make sure the warm air circulates into the room, not out of the window.

Look at the label

When shopping for a new appliance such as a washing machine or fridge, look at the efficiency ratings. If your budget can stretch to A or B-rated white goods, these can help lower your energy usage long term.

How and when to submit a meter reading

Customers with British Gas, EDF Energy, E.on Next, Octopus Energy, Ovo Energy, Scottish Power, So Energy, or Utility Warehouse can submit meter readings via their online account, the company app, or over the phone.

Some companies also now let you send your readings via text message or through WhatsApp, but you’ll need to check with your energy provider whether they allow this.

When taking meter readings, always be sure to take a photo of your meter, so you have the info to hand and proof of the exact day/time you took the reading.

For British Gas you can backdate your meter readings until January 14, but for EDF Energy the cutoff date is January 9.

Octopus customers can backdate their readings until January 8 and Ovo Energy has set a cut-off of January 11, while E.on Next users only have until January 6. For Scottish Power there’s a little less time as the backdated readings must be submitted by January 5.

So Energy Customers are able to backdate their readings, but only if they have proof of the day they took the reading on.

However, those with Utility Warehouse are being encouraged not to backdate readings, and instead submit them before the new cap is in effect on January 1 — so you best hurry.

Do you have a story to share?

Get in touch by emailing MetroLifestyleTeam@Metro.co.uk.

Deadline looms for millions to submit energy meter reading or face higher bills

Overhead view of young Asian women managing home finance using laptop & smartphone. She is working. with household utility bill and calculating expenses at home.
Those without smart meters risk paying higher bills if they don’t submit an energy reading before January 1
(Picture: Getty Images)

Householders have been urged to submit energy meter readings by the end of the year or risk overpaying their bills.

Ofgem announced in November that the energy price cap will increase from £1,717 to £1,738 per year for a typical household using both electricity and gas, from January 1, 2025.

Those who don’t have a smart meter and fail to submit a reading by the end of the year will likely be billed based on an estimate, which could see December usage charged January prices, according to price comparison website Uswitch.

A week’s worth of energy in January will cost on average £6.67 more per home per week compared to December, which collectively across Britain totals £66 million

Elsie Melville, energy expert at Uswitch, said: ‘Customers who don’t have a smart meter should aim to submit their readings before or on Wednesday 1 January, so their supplier has an updated – and accurate – view of their account.

‘If you leave it any later than this, then some of your December energy usage could end up being estimated and therefore charged under the higher January rates.

‘Now is also an ideal time to look at switching to a new energy tariff, as there are a range of fixed deals currently available that are cheaper than the January price cap.

‘By opting for a fixed deal, you’re locking in those rates for the duration – which means households could have price certainty and avoid the ups and downs of the price cap.

Close-up on a woman's hand adjusting thermostat valve on a heating radiator. Energy crisis and cold weather concept
The energy price cap is going up in January (Picture: Getty Images)

What is the energy price cap?

The energy price cap is a cap set on the maximum price energy companies can charge households for each unit of energy used on a standard, or default, tariff.

Ofgem, the government’s energy regulator, re-evaluates the level for a typical dual-fuel household every three months.

This applies to everywhere in the UK except Northern Ireland, which has its own energy market.

‘Make sure you are happy with how long the contract lasts and any exit fees for leaving early.’

EOn told its customers that those on a standard variable tariff and who do not have a smart meter should submit a reading before January 5 to avoid being billed based on an estimate.

Industry analyst Cornwall Insight has predicted that the price cap will rise by 1 per cent in April to £1,762, reports This Is Money.

This follows a 1% rise in January last year and a 10% rise in October.

Regulator Ofgem advised homes to check if they can get a better deal with an alternative energy provider, and consider moving to a fixed rate deal (as opposed to a standard variable rate) to potentially lock in a cheaper rate.

Get in touch with our news team by emailing us at webnews@metro.co.uk.

For more stories like this, check our news page.

‘I lost £860 in one day at my food truck and my life changed forever’

Shane Cole knows what it’s like to be homeless and spend lonely nights without warm food (Picture: Getty)

On a cold October’s day in 2018, Shane Cole sighed. Barely any customers had braved the torrential rain to visit his street food trailer in Letchworth, Hertfordshire and he had a huge pile of meals leftover.

On a napkin, he totalled his losses for the day – which came to £860. On the other side of the napkin, he wrote down something very different.

‘I’d been about to throw my food away, when I thought, there must be something else I could do,’ Shane recalls.’I wrote ideas down on the napkin about ways I could get the food to people in need. I also wrote down the words: “feed up warm up.”’

Shane, 37, is speaking to Metro from the Lamex Stadium, home of Stevenage Football Club.

There’s a steady stream of people dashing in and a steady hubbub of conversation across the room. But they’re not there for a football match, they’re here to eat. A man in a high vis jacket is huddled over a warm meal, while a young boy walks around with loaves of bread in his arms. Two women pick up tinned meals as one pushes a pram.

It’s a huge spread of people who, through homelessness, poverty or loneliness, have found themselves in need of a little help. They find that support at Feed Up Warm Up, founded by Shane in 2018 after that rainy evening in his food truck.

Donations aplenty at the Lamex Stadium on a rainy night in winter (Picture: Kirsten Robertson)

Although the charity is shaped by his background in catering, it also stems from Shane’s own experience with living on the streets.

‘I had a challenging childhood, to say the least,’he explains. ‘I went into foster care at 11 and lived in homes up and down the country. I was always rebelling.

‘At 15, I went to live with my dad who, before, I hadn’t had a relationship with. That lasted four months before I had to leave due to violence. Then I ended up in a squat in Devon which ended up being burned down. I was on the streets from November 2005 to January 2006.’

He continues: ‘That Christmas I never opened a present or pulled a cracker. I remember spending the day watching families walk past me. There were kids on new rollerblades, speeding past on skateboards. Their lives were carrying on, mine was on pause. For three months I was homeless. I contemplated suicide, developed a class A drug addiction, I was down and out basically. It was game over for me.’

Homelessness on rise in London
There were 40,685 homelessness applications to councils in 2023-24, up 4% in a year (Picture: Rasid Necati Aslim/Anadolu Agency/Getty Images)

Luckily, Shane was offered a lifeline. A man named Mike, from the charity The Freedom Centre, met him on the streets and encouraged him to come to church. After a two-hour service, Shane was asked if he was interested in rehab. He said yes and, paid for by the charity, transformed his life and embarked on catering courses.

After leaving rehab, he met future wife – Angie – and relocated from Devon to Letchworth in Hertfordshire to work as a chef. In 2016, he founded his food truck.

After scribbling his ideas down in the rain in October 2018, within a month Shane had put them into action. He mobilised a group of volunteers and in just a few weeks, had begun to distribute free food to vulnerable people across the town of Hitchin in Hertfordshire. The charity has since expanded to help people in nearby Stevenage.

‘We help people who have suffered abuse, sexual violence, domestic violence, sexual trafficking. There’s been refugees and asylum seekers through the door, they carry really sad stories. Sometimes elderly people tell us coming here is the highlight of their week. When I hear that, I know I need to do everything it takes to last another year.’

Graphic request: Children in poverty
The number of children living in poverty across areas in Hertfordshire (Picture: Metro.co.uk)

Feed Up Warm Up volunteers are kept busy; there are 89 people at this week’s drop in in Stevenage. One of these people was Caitlin*, who speaks to Metro on a very special day. After six years using the service, today is her first trial shift as a volunteer with the charity.

‘At 17 I was six months pregnant and found myself homeless over winter. The council wouldn’t help me, I was alone,’ Caitlin*, 23, explains. ‘Then I discovered Feed Up Warm Up. They got me a tent, food, without them I really don’t know what would have happened to me. I would have suffered a lot more. Shane even paid for a hotel for me to stay in at one point.

‘Last week I told myself “I don’t want to be a client anymore, I want to give back.” So it’s my first trial shift today. I think it’s going pretty well.’

As well as offering food at drop-in sessions, charity staff find hotel rooms for vulnerable people, provide essentials like beds for people moving into a flat for the first time and give free haircuts.

They also receive contributions from across the local community and from independent companies such as Tops Pizza, Mr Spud and Misya Meze Grill. Local celebrity ‘Nala the Station Cat’ has also made a special visit to oversee tinned donations in Stevenage.

Shane with footballer David James who has long supported the charity (Picture: Feed Up Warm Up)

Meanwhile, former England goalkeeper David James is the celebrity ambassador for Feed Up Warm Up, and has appeared on shows like Pointless and Catchpoint to raise money for the charity.

An army of volunteers, nicknamed the Orange Army due to the brightly coloured tops they wear, also support Shane in his mission to make a difference.

One of them is Liam Shields, a senior sales executive at Astute Electronics Ltd who spends one evening a week working with the charity. He discovered it quite by accident while driving home from work two-and-half years ago.

‘I noticed a sea of orange t-shirts outside the Lamex Stadium and wondered, what are these people doing?’ Liam tells Metro. ‘To begin with, I started to volunteer in the foodbank and then built a connection with the clients. Now my role is like a “buddy”, people here know I’m a safe person to talk to. Sometimes our conversations start with a simple question like “how was your day?” or “what do you have for dinner?.”

‘Seeing people walk out here with a smile on their face is why I do this. That’s when I think “job done.” Everyone’s story is different, and I know it is cliche but you can’t judge a book by its cover.’

The ‘Orange Army’ help bring support to people in need (Picture: Feed Up Warm Up)
Shane Cole hopes the Feed Up Warm Up model can expand into other areas (Picture: Kirsten Robertson)

Feed Up Warm Up’s team have won accolades at the Comet Community Awards as well as the Pride of Stevenage Awards in recent years. Shane no longer runs his food truck, as he now needs to put his full efforts into the charity.

Moving forward, he hopes to grow into other counties in England and, one day when money allows, create a dedicated space to rehabilitate homeless people and give them the support they need to return to ‘normal life.’

Shane continues: ‘No matter how big the charity gets, one thing we’ll never do is means-test. I’ve spoken to people who had to show three months worth of bank statements to get food. With that, straight away your dignity and self respect is thrown out the window.

‘We were offered £25,000 of funding once if it was means-tested, and I turned it down, because I knew I couldn’t offer this service to everyone if I took it. I want this to be for everyone. When I was 17 and homeless I went to a soup kitchen and they asked me about 20 questions before I could get any food. It felt like a police interrogation.

‘So now, I treat people how I’d like to be treated, and people trust us because of that.’

Click here to find out more about Feed Up Warm Up

*Name has been changed

Do you have a story you’d like to share? Get in touch by emailing Kirsten.Robertson@metro.co.uk 

Share your views in the comments below.

Full list of Christmas benefits pay dates for DWP and HMRC

Woman sitting at the office desk and reading letter with christmas tree in the background
Christmas can be anything but relaxing for many families (Picture: Getty Images)

Christmas can be an expensive affair as many want to treat their loved ones or visit family and friends.

Many have been budgeting to try to be able to afford all the additional expenses this festive period on top of the daily necessities.

Christmas time can be particularly stressful for those relying on state benefits or a pension, and the ongoing cost of living crisis is not helping.

Some pensioners have reported not being able to afford the festivities this year, with some saying the government’s winter fuel allowance cut has made the situation worse.

But knowing when payments will be made might ease the anxiety a bit.

A sign outside Department for Work and Pensions wall.
The DWP is responsible for most of the UK benefits (Picture: Mike Kemp/Getty Images)

Here is a roundup of the upcoming Department for Work and Pensions (DWP) and HMRC payment dates.

When are benefits paid over Christmas?

With Christmas and New Year’s Eve falling in the middle of the week this year, many payments are likely to be made on the previous working day, according to iNews.

There are also differences between England and Scotland payment dates.

Attendance allowance

The allowance, which is paid to those with a long-term physical or mental condition or disability, is usually paid monthly.

When the payment is due on Christmas Eve, Christmas Day, Boxing Day or Friday, December 27, recipients can expect the money on Christmas Eve, December 24.

In Scotland, the money will be paid on New Year’s Eve if the payment due date is January 2, according to the outlet.

Carers allowance

Next up is the carers allowance which is usually paid weekly in advance or every four weeks.

For payments due Christmas Eve, Christmas Day, Boxing Day or Friday 27 December, money should appear on the bank account on Christmas Eve. Allowance due on New Year’s Day should be paid on New Year’s Eve, December 31.

In Scotland, payments due January 2 should be made on New Year’s Eve.

Child benefit

Payments – usually done every four weeks or weekly depending on the situation – are generally made on a Monday or Tuesday.

For those with a payment due date on Tuesday, Christmas Eve, the payment is set to be made that day.

If the due date is Tuesday, New Year’s Eve, the payment date is that day (December 31).

Disability living allowance

Similar to the other benefits, the disability living allowance payment date is on Christmas Eve if the due date is either Christmas Eve, Christmas Day, Boxing Day or Friday 27 December this year.

Meanwhile, payments due on New Year’s Day (England) and January 2 (Scotland) will be made the day before on New Year’s Eve.

Employment and support allowance

This allowance is generally paid every two weeks.

Payments will be made on Christmas Eve if the due date is either Christmas Eve, Christmas Day, Boxing Day or Friday 27 December.

If the payment date is New Year’s Day (England) or January 2 (Scotland), it should be made on New Year’s Eve.

Income support

Income support is paid to individuals on low or no income who receive financial help but are not unemployed.

For payments due Christmas Eve, Christmas Day, Boxing Day or Friday 27 December, money should appear on the bank account on Christmas Eve.

If the due date is New Year’s Day, which is a bank holiday, or January 2 (Scotland), the payment should be made on New Year’s Eve.

Jobseeker’s allowance

Payments will be made on Christmas Eve if the due date is either Christmas Eve, Christmas Day, Boxing Day or Friday 27 December.

If the payment date is New Year’s Day or January 2 (Scotland), it should be made on New Year’s Eve.

Jobseekers allowance is typically paid fortnightly.

What about pension payment dates over Christmas?

State pension and pension credit payments are typically made every four weeks

For state pension, the exact date depends on your National Insurance number, according to iNews

The NI numbers and payment dates this week are:

  • 00 to 19: Monday
  • 20 to 39: Tuesday
  • 40 to 59: Wednesday
  • 60 to 79: Thursday
  • 80 to 99: Friday

When a payment due date falls on a bank holiday, payments will be made on the previous working day.

Maternity allowance

Recipients are paid every two or four weeks.

Similar to other benefits, if the payment date is Christmas Eve, Christmas Day, Boxing Day or December 27, payments are made on Christmas Eve so that people don’t have to wait until after the bank holiday.

New Year’s Day payments and January 2 payments (Scotland) will be made on New Year’s Eve.

Personal independence payment (PIP)

The PIP is typically paid every four weeks.

For payments due Christmas Eve, Christmas Day, Boxing Day or Friday 27 December, money should appear on the bank account on Christmas Eve.

If the due date is New Year’s Day, which is a bank holiday, or January 2 (Scotland), the payment should be made on New Year’s Eve.

Tax credits including working tax credit

Tax credits, which are paid every four weeks or weekly by the HMRC, are paid on Christmas Eve if the due date is Christmas Eve, Christmas Day or Boxing Day this year.

However, in Northern Ireland, the payment will be made on Christmas Eve if the due date is Friday.

For payments due January 2, the payment date is New Year’s Eve.

Universal Credit

Universal Credit is paid monthly and the payment dates this year a bit different to many other benefits.

Payments due on Christmas Eve, Christmas Day or Boxing Day should be done on Christmas Eve, while payments with a due date on Friday, December 27, are made that day.

If the payment is due on New Year’s Day, it should be paid the previous day on New Year’s Eve.

Recipientsi in Scotland with a payment date on January 2 can expect it to be made on that day.

Get in touch with our news team by emailing us at webnews@metro.co.uk.

For more stories like this, check our news page.