Money Advice

If you need help with debt or managing your money, these organisations offer free and confidential advice.

• MoneyHelper (free money guidance) - Provides clear, impartial guidance on budgeting, debt and managing bills. You can use online tools, read step-by-step guides or speak to an adviser for free.
• Citizens Advice (debt and money advice) - Offers practical advice on dealing with debt, prioritising bills and understanding your rights. You can access support online or through local Citizens Advice services.
• StepChange Debt Charity (free debt advice) - A national charity that helps people deal with debt. StepChange offers personalised advice, helps you understand debt solutions and supports you to make a plan that works for you.
• National Debtline (free independent debt advice) - Provides confidential advice by phone and online. National Debtline can help you understand your debts, your legal options and what steps you can take.
   

These tools can help you understand your money, plan a budget and take the next step.

• MoneyHelper tools - Includes budget planners, bill-prioritising tools and a debt advice locator to help you manage your money more effectively.

• StepChange tools - Provides simple budgeting and debt calculators to help you understand repayments and explore possible debt solutions.
   

Government support schemes may be available to help with essential costs such as food, energy and heating. Availability and eligibility can change, so it’s best to check the latest information.

• Cost of living support (GOV.UK) - An overview of government support available to help households with rising living costs.
• Household Support Fund (local council support) - Help from your local council with essentials such as food, energy and water. Support varies by area.
• Warm Home Discount - A one-off discount on your electricity bill if you meet the eligibility criteria. The discount is applied directly by your energy supplier.
• Winter Fuel Payment - An annual payment to help older people with heating costs during winter. Most eligible people receive this automatically.
• Cold Weather Payment - Automatic payments made during periods of very cold weather if you receive certain benefits and meet eligibility conditions.
   

Some organisations offer additional support depending on your circumstances.

• Turn2Us - Helps you search for grants and financial support based on your situation, with guidance on managing financial pressure.
• Age UK - Provides advice and support for older people, including help with money, energy costs and understanding available support.
• Royal British Legion - Offers financial, practical and emotional support for members of the Armed Forces community, including veterans and their families.
• Family Fund - Provides grants and support for families raising disabled or seriously ill children to help with essential items and family needs.