single mum cost of living crisis


With Christmas just around the corner, more people than ever are struggling with their finances. It can be a difficult time for many, especially single Mums and parents. Presents, Christmas food, winter energy bills and the general cost of living crisis can leave people stressed and struggling to make ends meet.

Our Mind and Money programme is here to support all residents of the Liverpool city region with their money management and financial resilience. We have partners in each of the six boroughs who can help those in our community.

This is an ongoing story of an anonymous female client who is a single Mum and approached Citizen’s Advice Liverpool for support and was assigned her key worker, Marg. The client had recently moved into a housing association flat with her 4-year-old son after four years of homelessness. Suffering with chronic health conditions, she found transitioning to her new home difficult. She had no prior experience of paying bills, money management, and had minimal furniture.



How did the Mind and Money programme help?


The client’s key worker discovered that the client had accumulated multiple gas and electricity debts, water arrears, bank overdraft, and credit union loan arrears. She also had no fridge, washer, and dryer. Successful applications were made to the Maragret Fund and Glasspool to make sure the client had essential furniture. Several arrears and debts were written off which helped alleviate stress and improve mental health.

Further support will include energy efficiency measures, preparing her household for the winter months, and upcoming debt advice appointments.

Overall, the client feels grateful for the support provided. She can now afford her essential bills and has the inner resilience and confidence to make the most of her income. The quality of life for has improved for her and her son and she is on the way to making her first home as a family a success.



Get in touch


We can help anyone in the Liverpool city region looking for support with the cost of living crisis and  other financial support. From building healthy money habits to supporting you to apply for benefits, our partners and ourselves are to support you. Contact us at or call us on 0151 708 8113.



cost of living Mind and Money Liverpool