Simple, confidential help to manage your money
Support that starts where you are
Free advice and practical tools to help you reduce debt, manage bills and make the most of your income.
Free debt help and the BudgetSmart Tool to improve your monthly finances. budgetsmart.payplan.com
Call PayPlan on 0800 316 1833 or visit payplan.com
Expert online and telephone debt advice to help you manage repayments and get back on track. Call StepChange on 0800 138 1111 or visit stepchange.org
For independent advice, guides and sample letters to help you deal confidently with creditors, visit nationaldebtline.org
Prefer to talk in person?
Age UK Lincolnshire – 01522 696 000
Wellbeing Lincs – 01522 782 140
Both can help with budgeting, benefits and benefit applications.
See also: Get Support and Affordability and Financial Support
Practical help with your energy bills
Keeping your home warm and affordable
Help with fuel bills, discounts and advice from government schemes and energy company hardship funds.
You may qualify for:
Warm Home Discount – £150 payment for those on Pension Credit or low income
Winter Fuel Payment – £100 – £300 for most people born before 25 September 1957
Cold Weather Payment – £25 for each week of freezing weather
British Gas Energy Trust, Scottish Power Hardship Fund, OVO Energy Assistance, E.ON Energy Fund, EDF Priority Services Register, and Octopus Energy’s Octo Assist Fund all offer help with debt, appliance repair or energy-efficiency advice.
Contact your provider directly to apply.
Keep your home at around 18°C, layer clothing and eat hot meals regularly.
If you’re struggling with heating costs, contact your Lace Support Team for help exploring grants or local assistance.
See also: Get Support and Resident Safety
Protecting yourself from scams and fraud
Staying safe and confident
Stay alert to cold calls, doorstep visits and online scams — and know where to get help.
Be cautious of calls or emails offering ‘energy refunds’ or ‘repairs’.
If it feels suspicious, stop and check.
Anyone claiming to be from Lace or a utility company should show official photo ID before entering your home.
If you’re unsure or think you’ve been targeted, contact:
Action Fraud – 0300 123 2040
Citizens Advice Consumer Service – 0808 223 1133
Or speak to your Lace Housing team for reassurance.
See also: Resident Safety and Wellbeing and Community
Support built around you
People | Places | Partnerships
We’ll help you find the right advice early — preventing problems before they grow and keeping your home affordable.
Talk to us as soon as you feel worried — we’ll connect you with the right partner for help.
Our teams, local partners and energy providers collaborate to make sure support is consistent and fair.
We’ll always explain charges clearly, provide written breakdowns, and signpost to independent financial advice where needed.
Through People | Places | Partnerships, we’re here to support your financial confidence and help every resident live well for longer.
See also: Get Support | Wellbeing and Community | Resident Voice and Involvement
