Lots of us are feeling the pressure of higher bills on already stretched household budgets, so you’re not alone in finding things difficult. Over the last 12 months, 2 in 3 Plymouth residents who contacted Citizens Advice were struggling with the cost of living, and more than a quarter were facing debt – with Council Tax arrears one of the main reasons for seeking debt help.

The first thing you can do is check if you’re entitled to any discounts on your Council Tax bill. Even if you get Universal Credit or Housing Benefit, you normally won’t get discounts or exemptions automatically – you’ll need to apply on the Plymouth City Council website.

What you’re entitled to will depend on your household circumstances, such as who lives with you, your income and your health.

For example, if you’re the only adult in your home, you can apply to the council for the Single Person Discount, which entitles you to 25% off your bill. You may still be entitled to a Single Person Discount if there is more than one adult in your household, because you or someone else in the household aren’t counted when calculating the amount of Council Tax. People who aren’t counted – for example full-time students – are called ‘disregarded people’.

There are lots of different reasons why you might be entitled to pay less Council Tax, for example if your GP has sent evidence to the council that you have a severe mental impairment, you are a care leaver, a carer or more. You can find a full list of the different discounts and exemptions available on the council’s website.

Next, you mentioned that you don’t have much money left over at the end of the month. If a qualifying adult in your household is on a low income, is claiming benefits such as Universal Credit, or is at State Pension Age, you might be able to get your household’s Council Tax bill reduced. This is called Council Tax Support. There are different levels of Council Tax Support available, depending on your household income.

Remember – always let the council know if there are any changes in your household, for example if someone moves in or out. This can impact how much support you’re entitled to – so you may miss out on support you’re eligible for, or end up with an unexpected bill.

For more information about Council Tax Support, including how to apply, visit the council’s website.

Council Tax is a priority bill, so it’s really important to keep up with your payments. If you don’t, it can lead to serious consequences like bailiffs visiting your home. If you’re concerned you might not be able to make your next payment, contact the council as soon as you can to explain your situation and discuss possible solutions, such as an Exceptional Hardship Payment.

Finally, remember that we’re here to help if you’re finding it difficult to make ends meet, we’re here for you. Find out about the different ways to contact us for advice.