There is no single average cost of living, because rent, location and lifestyle make a significant difference. A realistic budget should include housing, council tax, energy, water, food, transport, phone and broadband, insurance, debt repayments and an emergency fund. If you live alone, you may be able to claim a 25% single-person discount on council tax, depending on your circumstances. Add up your actual monthly costs and compare them with your income, then check the official GOV.UK benefits calculator to see whether support might be available.