Help getting into work

For advice and help about getting into work, visit Love London Working and Work Path.

Also visit The Rooted Forum and Employment First.

Financially inclusive Tower Hamlets

Initiated by Toynbee Hall in conjunction with the London Borough of Tower Hamlets and local voluntary sector organisations, Financially Inclusive Tower Hamlets (FITH) is a partnership for agencies in Tower Hamlets who have an interest in supporting the development of financial inclusion throughout the borough.

FITH helps individuals to improve their financial wellbeing by providing them with information and tools to assist them to make sound informed financial choices and we work in partnership with organisations to improve the support they are able to offer. For more information, please visit FITH.

For further information please see the links below

Money Advice Service.

Universal Credit Financial Support.

Step Change

Citizens Advice Bureau

Benefits and Welfare Reform

Check your benefits entitlement at Entitledto.

Bedroom Tax

Bedroom Tax is where the Housing Benefit Department decides if you have more bedroom(s) than you’re entitled to. They will then apply an appropriate reduction to your Housing Benefit. Currently these reductions are 14% for 1 extra room and 25% for 2 or more extra rooms. Bedroom tax only affects people under pensionable age.
What can you do if you are affected?

  • Pay the rent shortfall from your current income.
  • Take on a lodger where appropriate (with consent from THCH)
  • Register for a transfer or mutual exchange with the view of moving to a smaller home
  • Apply for Discretionary Housing Benefit
Universal Credit

Universal Credit is a welfare payment combining six existing benefits into one, paid once a month into your bank account which will replace the following benefits:

  • Housing Benefits
  • Income related Jobseeker’s Allowance
  • Income related Employment and Support Allowance
  • Tax Credits
  • Income Support
  • Child Benefits

For more information, please use the following links

Universal Credit.

Universal Credit Helpline 0800 328 5644

Energy saving

Monarch Partnership has created a useful document explaining to tenants how they can become more energy efficient and save money on bills.

Challenges for residents include: poor energy efficiency in homes, mould and damp condensation and not being aware of how to save energy and cut down costs.

The document can be downloaded here.

Benefit Cap

If you are aged 16 to 64, there may be a limit on the total amount of benefit your household can get. This is called the Benefit Cap.

From 7 November 2016, the cap changed to:

  • £442 a week for couple and single parents claimants (£23,000 per year)
  • £296 a week for single childless claimants (£15,410 per year)

If you newly fall into these groups, you will start to be affected from sometime in January 2017. Those already affected by the Cap will have seen a further reduction made from 7 November.

What can you do if you are affected?

  • Try to find Employment. (People on Working Tax Credits are exempt from Cap)
  • Apply for Discretionary Housing Benefit – (only a short term solution)
  • Look for ways to save money i.e. better Gas and Electricity tariffs

The following Benefits will exempt you from the Welfare Cap. Check to see if you receive the following Benefits;

  • Personal Independence Payments ( PIP)
  • Disability Living Allowance (DLA)
  • Attendance Allowance (AA)
  • Carers Allowance

If you are struggling to pay your rent and need to speak to someone please contact the Income Recovery team.

If you need advice and support on getting into work or managing your money and benefits please contact our Tenancy Support Officer on 020 7780 3070.