Mobile Phones/ Broadband/ Satellite TV packages 
Make sure you’re getting the best deals on your phone, broadband and TV. Check if your current provider has any offers for existing customers and then compare prices to what else is out there. has plenty of information on searching for the best deals

Reducing your transport costs can be very beneficial if you are experiencing financial hardship and there are many ways you can do this. Just click on this link for more information: Support to help with the cost of transport - GOV.UK ( 

Supermarket Offers/Deliveries
The best advice is to shop around as some supermarkets and retailers will sell certain items at cheaper prices. It’s also best to avoid convenience stores when you are buying more than a few items, as they generally charge higher prices compared to supermarkets.  Most supermarkets have ranges of own-label products, from basic and value brands to premium – and often there isn't much difference, particularly for staple products.  
Loyalty schemes are also big business for supermarkets. Many have changed in recent years, so they're no longer simply about collecting points but instead now offer exclusive discounts, rewards, charity donations and competitions to loyal shoppers. 
Other practical advice is to go in knowing how long you want to spend in store and what you’d like to buy: write a list in advance and stick to it.  

Cashback websites
Cashback websites such as Top Cashback or Quidco give you cashback on your online and instore spending on many items or services, with cashback usually paid several weeks later. One of our customers and board members has previously written a blog post on getting the most out of cash back sites.

Discount school uniforms
Check out whether there is a School Uniform Exchange in your local area where you can get second-hand school uniform or donate/swap your children's outgrown items:
Barnsley East School Uniform Exchange 
Leeds School Uniform Exchange 
North Yorkshire School Uniform Grants
There are also many local uniform exchange groups set up on Facebook. 

Free school meals
If you are benefits or a low income, your child may be eligible for free school meals. More information can be found on your local council’s website: 
Leeds Free School Meals 
Barnsley Free School Meals 
North Yorkshire Free School Meals 

Got a spare bedroom and paying an underoccupancy charge?
If you are claiming Housing Benefit or the Universal Credit housing element but have a spare bedroom, you may have an underoccupancy charge, which means you have to pay 14% or 25% more rent. If you would like to speak to us about your options for downsizing to a smaller property, please contact 54North Homes and ask to speak to a member of our Housing Team. 

Saving for family big days or unexpected costs
You may be finding it hard to pay for Christmas and birthdays and other one-off expenses. 
There are a number of savings schemes which could help you plan for these events and manage unexpected costs, whilst avoiding taking out high-interest loans. One option is the government backed Help to Save scheme which you can only access if you receive Universal Credit or Working Tax Credit. You could also save with Leeds Credit Union’s Christmas Club available to all 54North Homes customers including those outside Leeds. Savings can only be withdrawn from this account from 1st November - 24th December each year making it a perfect way to help with the cost of Christmas. 
There are many other schemes available, so definitely shop around. 

If you live in Barnsley, Community First - through direct assistance from Barnsley Council - is now able to offer interest free loans, ranging from £100 to £500. These are available to existing and new credit union account holders living in the Barnsley borough. To apply please visit Community First’s branches in Market Street in the Barnsley Town Centre, Wombwell or Goldthorpe. You can also visit the website here or phone 03030 300010.

If you live in Leeds, you can access free, confidential and impartial help/advice on a range of money related matters such as debt, money, energy and utilities through the Leeds City Council Money Information Centre. One to one tailored support is available via digital, telephone and face to face appointments.

While if you live in North Yorkshire, this page on the council's website is a great place to start. There is also a North Yorkshire Local Assistance Fund to support vulnerable adults and families under pressure.

Free days out in Yorkshire
There are many ways that you can get out and explore our beautiful county for free. 
Places to visit | Enjoy the waterways | Canal & River Trust ( 
Home - National Coal Mining Museum (
 (Free Entry) 
Visit the National Science and Media Museum, Bradford (Free Entry) 
100+ Free Days Out in Yorkshire for Families - Yorkshire Tots to Teens 
Free Attractions In Yorkshire (