Caring can be a rewarding experience that brings people closer together and fosters a sense of pride and fulfilment.

However, being a carer can also stretch your finances. Cathy Mackle, CABA Carer Support Officer, offers her tips about how carers can look after their financial wellbeing.

  • Check if you or the person you’re caring for are entitled to any benefits
  • If you’re paying for care, ask for an assessment from social services or call CABA for advice from our care experts. You could discover that you don’t need to pay
  • Protect your state pension. If you are below state pension age and caring for someone for 20 hours or more, you may be entitled to Carers Credit even if you’re not entitled to Carers Allowance. Carers Credit protects your state pension from gaps in National Insurance contributions while you are a carer. Read more at
  • 6 out of 10 carers face the stress of debt because their caring role means they need to reduce their working hours or stop working altogether. If you are in debt it’s important to deal with it sooner rather than later. You can contact CABA for support and advice to help you manage debt
  • Everyone needs a break from time-to-time. Many places offer free entrance to carers with the person they care for. These offers are rarely advertised so if you’re booking a ticket or paying an entry fee, ask if they offer a concession for carers

Find out more about the discounts and concessions offered to disabled people and their carers here:

Remember, you don’t need to do any of this on your own. CABA experts are here to help you every step of the way.

For more wellbeing advice and information visit our financial wellbeing hub at or our carer support hub at