If you’re renting a council or housing association property and have a spare bedroom, your Housing Benefit or housing costs element of Universal Credit might be reduced. Here’s what you need to know.

If you live with your partner, you must apply for Universal Credit together, even if only one of you qualifies. The payment is based on your household income and you’ll need to choose who gets the money. Here’s what you need to know and help budgeting as a couple.