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Energy bills rising in January: what the new Ofgem price cap means for your home

by Ricky Willis · updated 16 December 2025

Hand turning a smart thermostat up by one click to reflect the small January Ofgem price cap increase.

Energy bills are going up again from 1 January, and even though the change is small, it still matters when you are already watching every penny. Ofgem has … [Read more...]

Cold Weather Payments: check your postcode to see if you can get £25

by Ricky Willis · updated 20 November 2025

UK residential street covered in snow, showing freezing weather conditions linked to Cold Weather Payments.

When the temperature drops to freezing for a week, heating bills jump fast. The Cold Weather Payment is designed to give low-income households in England … [Read more...]

Where to borrow a small amount safely in the UK

by Ricky Willis · updated 16 December 2025

A cosy UK living room with a smartphone showing a simple loan comparison screen, a leaflet titled “Safe borrowing options”, a small emergency fund jar with coins and reading glasses on a sofa arm, creating a calm and reassuring scene about choosing safe ways to borrow.

When money is tight, even a small emergency can knock everything off track. A broken cooker, a school trip, or a car repair might only cost £50 or £100, but … [Read more...]

How to open a bank account if you have no fixed address

by Ricky Willis · updated 17 November 2025

A plain wooden table with a generic debit card, a charity support letter, a bank account application form and a smartphone showing an account approved message.

Opening a bank account can feel out of reach when you do not have a fixed address. Without one, getting wages paid in, receiving benefits or sorting bills … [Read more...]

Will Aid 2025: how to get a solicitor-written will for a small donation

by Ricky Willis · updated 16 December 2025

woman crouching on a pathway in a forest. She is holding a baby and talking to a young boy

Will Aid is back for 2025. Learn how to get a solicitor-written will in return for a voluntary charity donation and why it could save your family stress and … [Read more...]

Why nearly half of Universal Credit households have money taken off their payment

by Ricky Willis · updated 16 December 2025

A laptop showing a blurred Universal Credit payment breakdown on a kitchen table beside a notepad with rent and bills written on it, a calculator, and a mug of tea.

If your Universal Credit payment sometimes feels smaller than it should be, you are not alone. Nearly half of all UC households had money taken off their … [Read more...]

Iceland’s interest‑free food loans are back

by Naomi Willis · updated 16 December 2025

iceland home delivery

Iceland’s interest‑free Food Club loans are back. Here’s how to use them (without getting burned) if the food shop is breaking your budget. The Christmas … [Read more...]

How to find lost money, bank accounts and missing cash

by Naomi Willis · updated 2 November 2025

cartoon man standing next to a sign post with the words bank account, pension, premium bonds, while looking lost

With the cost of living at an all-time high, finding lost money can be a godsend! And I'm not just talking about looking down the back of the sofa for a few … [Read more...]

Can’t afford Christmas? Here’s what to do…

by Naomi Willis · updated 2 November 2025

coins in a Christmas savings jar

It’s getting colder, it’s getting darker, and the shops are full of Christmas decorations and general tat that no one really wants but seem to end up in a … [Read more...]

10 charities and schemes offering cost of living help this winter

by Ricky Willis · updated 13 November 2025

Volunteers sort food bank donations, placing tins and packets into boxes at a community centre, ready to help families in need this winter.

When the temperature drops and bills rise, it can feel like you're fighting a losing battle. Many families are cutting back on heating, skipping meals, or … [Read more...]

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Ricky and Naomi Willis

Ricky and Naomi Willis, founders and editors of the Skint Dad website.

We know how heavy money pressure can feel, so we share simple, practical help to make everyday money feel more manageable.

Read more about us.

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  • Save money
    • Save money on water bills
    • How to save money on groceries
    • Save money on energy bills
    • Frugal living tips
    • 1p Saving Challenge
  • Make money
    • Make money online
    • Best side hustle ideas
    • Best paid surveys
    • Genuine work from home jobs
  • Manage money
    • Best budgeting apps
    • Average household bills
    • Credit score apps
  • Help & Support
  • News
  • Deals
    • Kids Eat Free
    • Farmfoods offers
    • Heron Foods offers
    • Blue Light Card discounts list
    • When is the Next sale
  • About us
    • Contact us
  • Subscribe