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The cost of living · problem

Making ends meet: income and everyday costs

When income does not keep up with everyday costs, households cut back, borrow or need emergency help.

Who is affected: Working households on low pay, people on benefits, older people on fixed incomes and people facing a sudden loss of income.

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Where to get help

1 · The evidence

What the figures show

44% of residents surveyed were less able to meet day-to-day costs (2025) Portsmouth City Council ↗ · retrieved 10 Nov 2026

Are you able to meet the current day-to-day costs of living? “Less able, or cannot meet, day-to-day costs (sum of three options)” · Portsmouth residents’ research (Your City, Your Say) · Survey-based evidence
Table, wording and bases
Are you able to meet the current day-to-day costs of living?
YearShareBaseQuestion and notes
202353%2,049 (weighted)What impact has the increase in the cost of living had on you being able to meet the day-to-day costs of living now? Survey-based evidence from an open, weighted resident survey. 32% slightly less able, 18% much less able, 3% cannot meet. Wording differed from 2024 and 2025: it asked about the impact of rising costs, so treat the change as indicative. Source ↗
202441%1,235 (weighted)Are you able to meet the current day-to-day costs of living? Survey-based evidence from an open, weighted resident survey. 30% slightly less able, 10% much less able, cannot meet not charted; the Wave 6 page states 41% and the Wave 7 page states 40% for 2024. Source ↗
202544%1,464 (weighted)Are you able to meet the current day-to-day costs of living? Survey-based evidence from an open, weighted resident survey. 26% slightly less able, 14% much less able, 4% cannot meet. Source ↗

Related measures

  • 14.1 per 100 people People receiving Pension Credit, per 100 people aged 66 and over City November 2025 · 2.9 per 100 people aged 66+ higher than England (11.2)

What residents say

  • “Do you know where to go for support with the cost of living?” Answer: Yes

    38%

    Self-selected responses · 1,464 respondents · weighted · fieldwork 15 August to 14 September 2025 · Portsmouth City Council ↗

    Survey-based evidence. 38% yes, 38% no, 23% unsure. This asks where to go for support in general, not about the council’s cost-of-living hub or helpline. Earlier waves asked a different question, so there is no trend.

2 · Who is acting

What’s being done

Official work and other organisations’ projects that address this problem, each with why it is linked. A shared action is the same record shown under each problem it addresses.

Committed by Health and Wellbeing Board In progress

Tackling Poverty Action Plan 2026-2028

Deliver twelve tasks under four priorities: maximising household income, strengthening the local safety net, increasing opportunities and improving wellbeing, and using data to support partnership working.

ApprovedFundedUnder wayCompleted

Status evidence, 23 September 2026: Health and Wellbeing Board, 23 September 2026, item 9: Tackling poverty in Portsmouth ↗

Who pays, key dates and what is missing

Funded by: not stated in the record.

Made 4 March 2026 · due 2028 · Health and Wellbeing Board, 4 March 2026: Tackling Poverty Action Plan 2026-28 (report and Appendix 1) ↗

2 dated records
  1. 4 March 2026 milestone Tackling Poverty Action Plan 2026-2028 presented to the Health and Wellbeing Board, for information. source ↗
  2. 23 September 2026 milestone Delivery update against the twelve tasks presented to the Health and Wellbeing Board. Reported figures cover outputs, not changes in hardship. source ↗

Committed by Portsmouth City Council In progress

Crisis and Resilience Fund

Run the Crisis and Resilience Fund from 1 April 2026 to 31 March 2029: crisis payments, housing payments, grants to local resilience services and community coordination.

ApprovedFundedUnder wayCompleted

Status evidence, 13 October 2026: Crisis and Resilience Fund ↗

Who pays, key dates and what is missing
Funded by
  • Funded by Ministry of Housing, Communities and Local Government £3,691,344 · Revenue grant, 2026/27 (year one of three)

Made 1 April 2026 · due 31 March 2029 · Crisis and Resilience Fund ↗

6 dated records
  1. 1 April 2026 milestone Crisis and Resilience Fund began, running to 31 March 2029. source ↗
  2. 8 May 2026 milestone Government grant determination allocated £3,691,344 to Portsmouth for 2026/27, paid in monthly instalments. source ↗
  3. 31 August 2026 output 1,012 crisis payment applications received and 428 awards made, totalling £139,707; 323 applications were declined as ineligible. source ↗
  4. 23 September 2026 output 33 resilience grants awarded, worth £748,392, from 47 applications; 90% of the money falls in the fund’s first year. source ↗
  5. 13 October 2026 milestone Council states it has allocated over £1.5 million to local resilience services and over £400,000 to community coordination; funded services not yet listed. source ↗
  6. 13 October 2026 milestone The council reports allocating over £1.5 million to resilience services (food, advice, energy, wellbeing, housing and homelessness help) and over £400,000 to community coordination, which funds the Cost of Living Hub and helpline. These are parts of the fund, not additions to it; the funded services had not yet been listed. source ↗

How we’ll know

Measuring progress

The council survey’s share of residents less able to meet day-to-day costs, wave by wave (same wording since 2024), and Pension Credit uptake for older people.

A change in these figures does not by itself show that any one action worked.

3 · What is still missing

Not yet published

  • Council Tax Support claimants and awards by area (Freedom of Information request). Only a city-wide value of the support is published by the Ministry of Housing, Communities and Local Government; it is a value, not a number of people.
  • Crisis and Resilience Fund awards after the first five weeks (to about 1 June 2026) and the list of resilience grants. Only the early totals are published.
  • Funding, progress measures and results for the Tackling Poverty Action Plan 2026–28 (none stated in the records checked).

More

Other problems within the cost of living