With the nights getting longer and colder in the run-up to winter, millions of Brits will find themselves spending more than they would like on heating at a time of year that is often expensive anyway.
And with Christmas and the holiday season just around the corner, many of us can find ourselves strapped for cash at the worst possible moment.
But people who are receiving help from the Department for Work and Pensions (DWP) through the Universal Credit benefit system can get a much-need helping hand if they find themselves in this situation, as many have through the recent years of the cost of living crisis.
Unlike banks or unscrupulous money lenders, this financial assistance is even offered free of interest and is called the Budgeting Advance loan.
Read more on manchestereveningnews.co.uk