Claim £40,000 in Discounts: If you live in the UK and haven’t recently reviewed what support, grants, and discounts you may be entitled to, now is the time. From energy efficiency upgrades and government benefits to loyalty schemes, student support, council tax relief, and free school meals, there’s potentially up to £40,000 or more in financial help available over time for qualifying individuals and households.
Sadly, many people never see a penny of it—simply because they don’t realise what’s available or how to apply. Whether you’re a single parent, pensioner, student, disabled, or simply working part-time, this guide is designed to help you take control of your finances by unlocking the full range of support that could be yours in 2025 and beyond.
Claim £40,000 in Discounts
| Support Type | Potential Value | Eligibility Summary | Where to Apply |
|---|---|---|---|
| Energy Efficiency Grants | Up to £15,000 | Low-income or vulnerable homeowners | Local council or energy provider |
| Boiler Upgrade Scheme | Up to £7,500 | Homeowners replacing gas boilers with heat pumps | Boiler Upgrade Scheme |
| Warm Home Discount | £150 off energy bill | Income-based or benefit recipients | Through your energy supplier |
| Universal Credit | Varies | Low-income earners or families earning under £40k/year | Universal Credit |
| Marriage Allowance | Up to £1,260/year | Couples where one earns under £12,570 | Marriage Allowance |
| Council Tax Reduction | Up to 100% | Low income, single adults, disabled, carers | Local council |
| Child Trust Funds | Varies | Born between Sept 2002 and Jan 2011 | Find My CTF |
| Unclaimed Premium Bonds | Millions unclaimed | Any Premium Bond holder | NS&I Prize Checker |
| Household Support Fund | Varies | Households in financial hardship | Local authority or council website |
| Free School Meals | £400+ per child/year | Low-income families with children in school | Free School Meals |
| Retail Loyalty Points | Hundreds per year | Any shopper with loyalty cards | Tesco, Nectar, Boots, etc. – in-store or app |
The UK has a generous network of grants, discounts, and benefits, but many remain unclaimed due to a lack of awareness. Whether you’re looking to reduce utility bills, claim backdated tax relief, or find old savings accounts, every pound adds up.
Start with the basics—check your eligibility. Then, bookmark the tools, set calendar reminders to check again in six months, and consider sharing this info with friends or family members who may benefit. Claim what’s yours. You’ve earned it.
Energy & Heating Support: Cut Your Bills, Upgrade Your Home
Energy Efficiency Grants (Up to £15,000)
The UK government offers financial help for home upgrades like wall insulation, double-glazed windows, and eco-friendly heating. These improvements help lower energy bills significantly.
Check with your local authority or the Simple Energy Advice website: simpleenergyadvice.org.uk
Boiler Upgrade Scheme (Up to £7,500)
This grant helps cover the cost of upgrading old boilers to air-source or ground-source heat pumps, which are more environmentally friendly.
- Installers must be MCS-certified
- Visit gov.uk/apply-boiler-upgrade-scheme
Warm Home Discount (£150)
A one-off rebate on your winter electricity bill if you’re receiving Pension Credit or other qualifying benefits.
- Most eligible customers are auto-enrolled
- Applies October–March
- Contact your supplier to confirm participation
Everyday Savings: Benefits, Tax Relief, and Household Discounts
Universal Credit
Many families earning less than £40,000 are surprised to learn they may still qualify for Universal Credit, depending on housing, children, and work hours.
- Use tools from Turn2Us or EntitledTo to check
- You can claim even if working part-time or self-employed
Marriage Allowance
A hidden gem! If one partner earns below the tax-free allowance (£12,570), they can transfer some of their personal allowance to a basic rate taxpaying spouse.
- Save up to £1,260/year
- Backdate claims up to 4 tax years
Council Tax Support
Depending on your situation (low income, single occupancy, carer, disability), you could get a reduction or full exemption on your Council Tax.
- Apply via your local council’s website
Free School Meals
If your family is on Universal Credit or other low-income benefits, your child may qualify for free school lunches, saving up to £400 per child annually.
- Apply through your school or gov.uk
Unclaimed Money and Long-Forgotten Assets
Child Trust Funds (CTFs)
Many young adults now turning 18 are unaware of their Child Trust Fund—a government savings account potentially holding £500 to £2,000+.
- Track yours via Find a Child Trust Fund
Unclaimed Premium Bond Winnings
You could be sitting on a win and not even know it. With millions of pounds unclaimed, it’s worth checking.
- Visit NS&I and use your Bond number or NS&I ID
Dormant Bank Accounts & Pensions
Old accounts or pensions from previous jobs might still hold value.
- Check My Lost Account
- Use Pension Tracing Service
Everyday Extras: Loyalty Cards & Retail Rewards
Loyalty Points Can Be Worth £100s
Don’t underestimate store points. With regular usage, loyalty programs like:
- Tesco Clubcard
- Sainsbury’s Nectar
- Boots Advantage
- Co-op Membership
…can give hundreds of pounds in value each year through discounts, vouchers, or exclusive offers.
Tips:
- Always scan your card/app at checkout
- Watch for 2x/3x value boost events (e.g. Tesco holidays or restaurants)
- Don’t let points expire!
Bonus Tip: Sign Up for Alerts and Newsletters
Many benefits and grants are time-limited. By signing up for alerts from trusted platforms, you can stay ahead.
- MoneySavingExpert
- Citizens Advice
- Your local council or housing association
FAQs On Claim £40,000 in Discounts
Q: Can I claim multiple forms of support at once?
A: Yes. You may qualify for overlapping schemes, but it’s best to check how one benefit might impact others.
Q: How do I apply for these programs?
A: Use gov.uk for official guidance and applications. Use third-party tools like Turn2Us to check eligibility.
Q: Will this affect my tax or other income?
A: Most grants and discounts are non-taxable. Some may impact means-tested benefits, so always double-check.
Q: Are there deadlines for applying?
A: Yes. Some schemes reset annually or have limited funding. Apply as soon as possible. For example, Warm Home Discount is seasonal.
Q: Is help available if I struggle to apply?
A: Yes! You can get support through Citizens Advice, your local council, or charitable groups.
