The Social Fund is a government fund that provides emergency payments for different purposes. It provides set payment amounts for things like: maternity costs, funeral costs, and cold weather and winter fuel payments.
Preventative measures to avoid going overdrawn include agreeing a new overdraft limit with your bank, using a Basic Bank Account (which does not allow overdrawing) or budgeting (so you can account for all your income and outgoings).
Money: distinguish between “needs” and “wants”. “Wants” is a new ‘phone, new clothes and eating out. “Needs” is electricity bills and food for the cupboard.
Make a budget: so you can understand what money you have coming in and exactly where it is being spent. Learn to keep it balanced and not live beyond your means.