Cost of living with CF

• Our grants for people with cystic fibrosis can help protect the health of people with CF at times of financial hardship and support access to goods and services needed to stay well with CF.
• Our information on prescription charges can help you find out if you can get help with the costs of prescriptions.
• Our benefits advice service can support you to find your way through the welfare benefits system and check you’re getting the right benefits
• Our income maximisation service can support you to check you’re getting all the financial support available to you and help you make the most out of your money.
• Our Student Support Service can support students by going through all the options available to increase your income, such as welfare benefits and discretionary payments, and look at budgeting and discounts, as well as discussing your rights and Disabled Students Allowance (DSA).
• Our Helpline can:
  • provide information about any aspect of cystic fibrosis
  • offer a listening ear. We understand things can get tough; our friendly team are here to talk it through
  • translate and help you to understand any overwhelming or complex information
  • signpost to help and assistance available through the Trust, other organisations, and other avenues of support which may be appropriate
  • provide information and guidance about other support and programmes ran here at Cystic Fibrosis Trust including our welfare and grants support.

Contact the Helpline

For lots of people in the CF community, energy costs are a big concern, but there is help and support available.

Find out more about support with energy bills

Local authorities can help this winter by providing support for essential costs, including energy bills and food, to those struggling to afford them. It is available to anyone who is vulnerable or cannot pay for essentials, regardless of benefit eligibility.

• England: Contact your local council about the Crisis and Resilience Fund (CRF).
• Scotland: Apply through the  Scottish Welfare Fund.
• Wales: Apply through the  Discretionary Assistance Fund (DAF).
• Northern Ireland: Check Discretionary Support and Home Heating Oil Support if you use heating oil.

Check if you can get the Warm Home Discount
Get a one-off credit on your electricity bill if you’re on a low-income in England, Wales, or Scotland. This will open in October 2026.
It won’t affect other winter payments like Cold Weather Payment or Winter Fuel Payment

The Cold Weather Payment is a £25 payment for every week when the average temperature for a postcode area is recorded as, or forecast to be, zero or below, between November and March. The Cold Weather Payment is available to people on certain benefits. If you're eligible to get a Cold Weather Payment you'll get it automatically and you’ll get £25 for each 7-day period of very cold weather between 1 November 2026 and 31 March 2027.

Local authorities can help this winter by providing support for essential costs, including energy bills and food, to those struggling to afford them. It is available to anyone who is vulnerable or cannot pay for essentials, regardless of benefit eligibility.

• England: Contact your local council about the Crisis and Resilience Fund (CRF).
• Scotland: Apply through the  Scottish Welfare Fund.
• Wales: Apply through the  Discretionary Assistance Fund (DAF).
• Northern Ireland: Check Discretionary Support and Home Heating Oil Support if you use heating oil.
   
• Support for mortgage interest (SMI) is a loan from the Department of Work and Pensions (DWP) and can help with mortgage costs, if you are on a means-tested benefit.
• If you are struggling with the cost of Council Tax, check if your local authority has a discretionary Council Tax scheme and whether you are entitled to any discounts.
• Council Tax Reduction, sometimes called Council Tax Support - You could be eligible if you’re on low income or claim benefits. You can apply if you own your home, rent, are unemployed or working.
• Food banks - Most foodbanks need a referral from a charity or a professional. You can check online to see if there are any independent foodbanks that you can go to without a referral, or ask the CF team if they can refer you.

More information about support with household finances

• Our information about Disability Living Allowance
• Our information about Personal Independence Payment (PIP)
• Our information about Universal Credit
• We provide support with applying for benefits, such as DLA, PIP or Universal Credit.

Request a benefit check

Every year people in the UK miss out on billions of pounds worth of benefits. Whether you’re claiming benefits or not, it’s a good idea to check you are receiving all that you are entitled to. There are a few different ways to check this, you could:  

• contact our Helpline if you would like to speak to our Welfare Team, or ask your CF Social Worker, if you have one
• use an independent benefits calculator to check which benefits you can get
• ask your nearest Citizens Advice or find an advice service through Advice Local

How we can help

• Our Helpline is available to anyone looking for information or support with any aspect of cystic fibrosis, a listening ear, or just to talk things through. Our friendly team are here if you need us.
• Our Forum is a safe space to seek information, access support and chat with others who understand. All adults in the CF community are welcome to join, for free.

• How to meal plan to save money and waste - Planning before your food shop can be really important if you want to stick to a budget and reduce waste. We have some ideas to help you plan your meals and shopping lists effectively.
• How you can reduce the cost of cooking - If we want to eat healthily and cheaply, cooking is hard to avoid. But with many people’s thoughts turning to rising energy bills, we may be thinking twice about how we’re using energy when in the kitchen. Check out our five ways you can save energy while cooking – and still enjoy tasty and nutritious meals.
• Five top tips for eating well on a budget - Katie Marsden is a specialist CF dietitian at the West Midlands Adult CF Centre. Here she provides some top tips to help people with CF eat well on a budget.
• Budget-friendly recipes for people with cystic fibrosis - Each recipe includes an estimated cost, based on November 2022 price points. 

For general information about a range of issues relating to diet, nutrition and CF, we have a series of leaflets that have been written by CF dietitians.

Check out the leaflets

If you have CF, damp and mould can affect your health, or a lack of space may mean that you don’t have space to do your physiotherapy or store your medications.

Our information gives guidance about how to get help from your local council, paying rent, and other organisations that can support you, such as Shelter.

Find out more