Managing your household budget after you’ve separated

Separating from your ex-partner means you’ll have to change how you manage your household and other finances. It’s often much more expensive for each of you to live on your own than to live together. But there are ways you can save money and cut costs.

Why a budget can help

After you separate, making a budget is a good starting point to reviewing your spending.

A budget is simply a record of how much money you have coming in and what’s going out each month.

When you’ve completed your budget, you should have a clearer idea of what you have to live on.

arrow icon
arrow icon

Cut back on your spending

See if you can cut back on your day-to-day spending. Even a few pounds saved here and there will add up.

Save money on your bills

If you haven’t ever switched your gas or electricity supplier, or you haven’t switched for a while, it’s worth looking into as it could save you money.

arrow icon

You can also consider switching if, for example, you want a fixed-price tariff. That way, you’ll know the price you pay for your gas and electricity each month or quarter.

If you have broadband at home, and you have a landline or mobile phone, you might be able to switch or get a better deal from your existing provider.

Travel for less

Travelling costs can make a big dent in your budget – for example, your train ticket to work or the cost of running your car.

arrow icon

Pay less Council Tax or Rates

In England, Wales and Scotland

If your partner moves out and you’re the only adult living in the property, you can claim a 25% discount on your Council Tax bill.

You can also claim the discount if an adult lives with you who is a full-time student, a live-in carer or someone with a severe mental disability.

If you’re on a low income, you might also be able to get a reduction in your Council Tax. You’ll have to apply to your local council.

arrow icon

In Northern Ireland

Depending on your income and situation, you might be able to claim ‘rates Housing Benefit’ or ‘Rate Relief’.

Emergency savings

Even though money might be tight after a separation, it’s worth trying to put away some money every week or month as emergency savings, if you can. That way, if your boiler or washing machine breaks down, for example, you’d be covered.

arrow icon

Your next step

arrow icon
Was this information useful?
Thank you for your feedback.
We’re always trying to improve our website and services, and your feedback helps us understand how we’re doing.
Looking for us? Now, we’re MoneyHelper

MoneyHelper is the new, easy way to get clear, free,
impartial help for all your money and pension choices.
Whatever your circumstances or plans, move forward with MoneyHelper.

Continue to website
Looking for us? Now, we’re MoneyHelper

MoneyHelper is the new, easy way to get clear, free,
impartial help for all your money and pension choices.
Whatever your circumstances or plans, move forward with MoneyHelper.

Continue to website
Looking for us? Now, we’re MoneyHelper

MoneyHelper is the new, easy way to get clear, free,
impartial help for all your money and pension choices.
Whatever your circumstances or plans, move forward with MoneyHelper.

Continue to website
Talk to us live for…
Talk to us live for…
Talk to us live for pensions guidance using…
Talk to us live for money guidance using…
0800 011 3797* Hours
  • Mon – Fri:9.00am – 5.00pm
  • Sat, Sun and bank holidays:Closed

* Calls are free. We’re committed to providing you with a quality service, so calls may be recorded or monitored for training purposes and to help us develop our services.

Talk to us live for money guidance using the telephone
0800 138 7777* Hours
  • Mon – Fri:8.00am – 6.00pm
  • Sat, Sun and bank holidays:Closed

* Calls are free. We’re committed to providing you with a quality service, so calls may be recorded or monitored for training purposes and to help us develop our services.

Talk to us live for pensions guidance using web chat
Hours
  • Mon – Fri:9.00am – 6.00pm
  • Sat, Sun and bank holidays:Closed
Talk to us live for money guidance using webchat
Hours
  • Mon – Fri:8.00am – 6.00pm
  • Sat:8.00am – 3.00pm
  • Sun and bank holidays:Closed
Talk to us for pensions guidance using our web form

We aim to respond within 5 working days

Talk to us for money guidance using our web form

We aim to respond within 2 working days

Talk to us live for money guidance using WhatsApp
+44 77 0134 2744

Download app: WhatsApp

For help sorting out your debts or credit questions. For everything else please contact us via Webchat or telephone.