Free independent help and advice

If you’re worrying about money, it’s nice to know there’s people you can talk to. These organisations, and your government can offer free help, support and guidance.

Support from your government

Your national government are able to give help and guidance on a range of benefits and housing options that you may be eligible for:

Gov.uk logo

 

If you’re struggling with money or on a low income, you can get help and advice from your government and local councils. This includes help with heating, housing and other living costs.

Get help now


Your government also offers lots of help with the rising cost of living through their Help for Households campaign. This includes support with energy bills, childcare costs and transport costs.

Help for households

NI Direct logo

 

The Finance Support Service supports people who live in Northern Ireland and need short-term financial help.

Get help now


Your government offers lots of help with the rising cost of living. This includes support with energy bills, health costs and income support.

Cost of living support

Scottish government logo

 

There is free independent support and advice funded by the Scottish government. This includes help with benefits, social care and housing.

Get help now


Your government also offers lots of help with the rising cost of living. This includes support with energy bills, childcare costs and travel costs.

Cost of living support

Welsh government logo

 

There is free independent support and advice funded by the Welsh government. This includes help with employment, transport and housing.

Get help now


Your government also offers lots of help with the rising cost of living. This includes support with energy bills, childcare costs and debt.

Cost of living support

  • Other organisations can help you to understand your eligibility for government benefits and grants, including cost of living support.

    Turn2Us Logo.

    Turn2Us – Financial support charity

    • Understand your eligibility for benefits and grants that you weren't aware of. Turn2Us can help you search for these to support with the cost of living
    • Online benefits calculator
    • Speak to an adviser in your local area

    Call: 0808 802 2000

    Lines open Mon-Fri 9am-5pm 

    Go to Turn2Us

    Turn2Us benefits calculator

    Citizens Advice logo.

    Help from Citizens Advice

    • Free advice on a range of topics, including benefits, debt, housing and consumer rights
    • Help with managing your money
    • Practical and impartial support online, in person or over the phone

    Call: 0800 144 8848 or 0800 702 2020 if you’re in Wales.

    Lines open Mon-Fri 9am-5pm 

    Go to Citizens Advice

  • Support and advice from managing money and mental health to housing support and legal services.

    Shelter logo.

    Shelter - Housing Charity

    • Provides those struggling with bad housing or homelessness the help they need, through their advice, support and legal services
    • Help with money and debts
    • Talk to someone online or by phone

    Contact Shelter 

    Visit Shelter

    Mental Health and Money Advice logo.

    Mental Health and Money Advice

    • Clear, practical advice and support for people experiencing mental health and money worries
    • Specialist knowledge of benefits, managing money and mental health care
    • Award-winning UK-wide online advice service

    Visit Mental Health & Money Advice

    MoneyHelper logo.

    Guidance from MoneyHelper

    • Government-backed with straightforward advice and guidance 
    • Information on benefits, tax, pensions, homes and savings 
    • Try their handy money tools and calculators 

    Call: 0800 138 7777 for money guidance or 0800 011 3797 for pensions guidance.

    Lines open Mon-Fri 8am-6pm

    Go to MoneyHelper

    We are digital logo.

    The Digital Helpline – A service provided by We Are Digital

    • Free 1-2-1 digital skills training over the phone
    • Topics include; Online Banking, online food shopping, booking a doctor’s appointment, using a website, staying in touch with friends and family through video calls, and more

    Call: 0345 222 0333

    Lines open Mon-Fri 9am-5pm

    Those who are Deaf and use British Sign Language (BSL) can book a session using BSL SignVideo. Available on Safari, Chrome or Firefox web browsers. 

    Customers who have hearing loss or a speech impairment can use the service through Relay UK.

    Citizens Advice logo.

    Help from Citizens Advice

    • Free advice on a range of topics, including benefits, debt, housing and consumer rights
    • Help with managing your money
    • Practical and impartial support online, in person or over the phone

    Call: 0800 144 8848 or 0800 702 2020 if you’re in Wales.

    Lines open Mon-Fri 9am-5pm 

    Go to Citizens Advice

It’s not too late to get the support you need. Get free and independent help to get your finances back on track, from budgeting support to setting up an affordable debt repayment plan.

StepChange logo.

StepChange Debt Charity

  • Free, impartial advice to help you get back on track 
  • A wide range of debt solutions 
  • Support online 24/7 or by phone

Call: 0800 138 1111

Lines open Mon-Fri 8am-8pm and Sat 9am-2pm

Go to StepChange

PayPlan logo.

PayPlan – Free debt advice and support

  • Free, confidential debt advice  
  • A personalised action plan for your money 
  • Help available online or by phone

Call: 0800 280 2816

Lines open Mon-Fri 8am-8pm and Sat 9am-3pm

Go to PayPlan

Citizens Advice logo.

Help from Citizens Advice

  • Free advice on a range of topics, including benefits, debt, housing and consumer rights
  • Help with managing your money
  • Practical and impartial support online, in person or over the phone

Call: 0800 144 8848 or 0800 702 2020 if you’re in Wales.

Lines open Mon-Fri 9am-5pm 

Go to Citizens Advice

National Debtline logo.

National Debtline

  • Free, confidential debt advice 
  • Guides, fact sheets, budgeting tools and sample letters 
  • Advice via phone and online

Call: 0808 808 4000

Lines open Mon-Fri 9am-8pm and Sat 9.30am-1pm

Go to National Debtline

Remember, we’ll never get in touch to ask you to move money to another account, for your banking details or to take control of a computer. The organisations listed on this page won’t do this either.