Housing for young people - budgeting and bills

If you are living independently, it's not just your rent you need to pay, you will need to budget to make sure you can pay other costs such as gas or electric before you even think about anything else!  Each of the sections below will give you more details on the costs you will need to cover for that type of accommodation in the different areas.

Supported Accommodation rates and bills are detailed below:

Example of a weekly budget plan for someone living on Income Support in Impact Supported Accommodation. This is based on a supported tenancy at South Lakes Foyer for people under 18.

Supported Accommodation on Income SupportIncomingOutgoing
Benefit Payment £ 57
Personal Charge to Impact £ 5.34
Gas Electric £ 10
TV Licence £ 10
Food/Toiletries etc £ 30
Leftover Weekly Money - £ 1.66

Project John is the supported accommodation provider in Barrow for 16-24 year olds, however they do not accept applications from 16 year olds who are still on role at school (whether you are attending or not).  They offer Tenancy Training and one to one support.  Any agency in Barrow can help you apply for Project John including Emmie Sutherland, Inspira, Colleges, Housing, etc. 

Project John are situated on Bath Street in Barrow and they have 8 two-bedroomed houses and 9 one-bedroomed flats.  They accept single people or single parent (male/female) with custody of a child.

Costings Breakdown

ServiceTotal chargePersonal chargeHousing Benefit eligible
Project John £ 126.78No personal chargeFull entitlement if eligible

Impact Housing is the supported accommodation provider in Carlisle for 16-24 year olds.  They offer Tenancy Training and one to one support.  Any agency in Carlisle can help you apply for Impact including Carl Nixon, Inspira, Colleges, Housing, etc. 

Impact have two schemes situated in Carlisle.   There is Close Street and Warwick Square which offer 15 rooms plus 4 local move-on properties for when you're ready to make the next step towards independent living.  

Costings Breakdown

ServiceTotal chargePersonal chargeHousing Benefit eligible
Warwick Square £ 266.31 £ 17.97 £ 248.34
Close Street £ 255.30 £ 17.24 £ 238.06

Impact Housing is the supported accommodation provider in Copeland and Allerdale for 16-24 year old single people.  Impact have one scheme in West Cumbria which is Whitehaven Foyer.  This Foyer is made up of 3 levels of accommodation types, all of which are single occupancy; 5 self-contained one bedroom flats, 5 one bedroom flats with access to a shared kitchen, 4 two bedroom flats - each flat shares one bathroom between 2 occupants.  All 4 flats have access to a shared kitchen.  This Foyer also has 1 accessible flat on the ground floor that is adapted for wheelchair use.  The Foyer offers Tenancy Training and one to one support.  Any agency in West Cumbria can help you apply for Whitehaven Foyer including Helen Walker, Inspira, college, Housing etc.

This Foyer offers 19 flats for 16-24 year old single people.

Costings Breakdown

Service

Total charge

Personal charge

Housing Benefit eligible

Flats 1-5 (shared flats)

£ 145.11

£ 17.97

£ 127.14

Flats 6-10 (flats with shared kitchen)

£ 149.52

£ 11.22

£ 138.30

Flats 11-15 (self-contained flats)

£ 154.63

£ 11.22

£ 143.41

You will not have to pay the full amount if you are eligible for Housing Benefit.  Impact staff can provide you with further information on this, which will be dependent on your personal circumstances/income.

Impact Housing is the supported accommodation provider in Eden for 16-24 year olds.  Impact have one scheme in Eden which is the Eden Rural Foyer.  The Foyer has 15 self-contained flats.  There are 6 single occupation flats for young people in education, employment or training.  The remaining flats are one bedroom flats for young people (aged 18 to 30) who require very low level support and are in education, employment or training.  The Foyer offers Tenancy Training and one to one support.  Any agency in Eden can help you apply for Impact including Carl Nixon, Inspira, colleges, Housing etc.

Costings Breakdown

ServiceTotal chargePersonal chargeHousing Benefit eligible
Eden Rural Foyer (Supporting People Flats) £ 262.26 £ 5.31 £ 256.95
Eden Rural Foyer (Non-Supporting People Flats) £ 107.78 £ 4.95 £ 102.83

Impact Housing is the supported accommodation provider in South Lakes for 16-24 year old single people.  They offer Tenancy Training and one to one support.  Any agency in South Lakes can help you apply for Impact including Emmie Sutherland, Inspira, Colleges, Housing, etc. 

Impact have two schemes situated in Kendal.  

There is South Lakes Foyer on Stricklandgate which has 6 flats of supported accommodation for single people aged 16-24 and 6 flats with minimal support for 18-24 year olds. 

There is also the Miller Court scheme which has 6 supported flats for 16-24 year olds. 

All of the flats at the two schemes are for single occupants.

Costings Breakdown

ServiceTotal chargePersonal chargeHousing Benefit eligible
South Lakes Foyer - Supporting People Flats £ 259.92 £ 5.44 £ 254.73
South Lakes Foyer - Non-Supporting People Flats £ 106.59 £ 5.44 £ 101.15
Miller Court £ 248.15 £ 4.51 £ 243.64

If you're age 18+, single and claiming benefits, the most you are likely to be able to afford would be a room in a shared flat or house.  The more money you have coming in, perhaps from work or apprenticeship, the more options you have!

If it's a private tenancy you will need to consider a deposit, which is usually one month's rent plus another month's rent in advance.  Utility bills such as gas, electricity, water rates, TV licence and council tax, not to mention food, will have to take priority and will take up the majority of your money; if not all of it!  After all this, will you be able to afford to go out with your mates, pay for a phone, buy new clothes and other things you want?

How much (roughly) does it cost to live independently in a private tenancy?

This sheet will give you a good idea of how your money will be spent when you have your own home.  The amounts are based on private rent and what it could cost each week for 1 person.

Weekly Budget Plan for Private Tenancy (age 18+)Cost per week (approx.)
Rent £ 85

Council Tax (this is a monthly sum people have to pay to cover council costs such as bin collections.  The amount you pay varies depending on where you live and how many people live there.  People who are under 18 don't have to pay Council Tax)

Council Tax Reduction is a scheme for people on a low income to help them pay their council tax.  Please ask your local Council for details.

£ 17
Electricity £ 10
Gas £ 10
Water (if not included in the rent) £ 9
TV Licence £ 5.50
Food £ 30
Average weekly spend £ 166.50