Help with managing your money

Do you know where your money goes? Taking better control of your money will help you deal with the financial impact of the benefits changes.

Improve your budgeting skills

Having a clear understanding about how you spend your money will help make your money go further.  

Find out more about budgeting

Open a bank account

In most cases, when you are transferred to Universal Credit, you will not be able to have your rent paid direct to us.  Your total benefit payment, including any payments to cover your rent, will be paid into your bank account once a month.

Find out more about bank accounts 

Build up savings

Even saving very small amounts is a good idea to help you cope with with emergencies. You might decide to start putting small amounts of money away now to help you when your benefits change.

Find out more about saving

Borrowing money

Sometimes taking out a loan to tide you over or cover a major expense may seem the only answer, but it can be an expensive mistake.

Find out about safer ways to borrow money

Increasing your income

You could cover any reduction in your benefits by finding ways to increase your income.

Find out about increasing your income

Save on your energy bills

My Home Energy Switch is a free, impartial energy comparison site that can help you save money on your gas and electricity bills. It's designed specifically for social housing tenants and on average customers have saved £156.40 on their energy bills. Visit their website or call the freephone number on 0800 0014 706.


Pay your rent at a time to suit you

You can pay your rent or view a rent statement at any time using Your Waterloo

If you have a rent query or are having trouble paying your rent, our Rents Team are available during the following times:

Monday 8:30 - 5:00
Tuesday 8:30 - 7:30
Wednesday 8:30 - 7:30
Thursday 8:30 - 7:30
Friday 8:30 - 5:00
Saturday 9:00 - 3:00

To speak to someone from our Rents Team, please call 0800 435 016 and select 'option 3' or email

Easier ways to pay your rent

We work with allpay to offer you a range of easy, safe and flexible ways to pay your rent.

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