Help with debt and money advice

Find out what debt and money advice is available to you.

If you are looking for information, help and support on benefits then visit our dedicated benefits page.

Government’s Cost of Living Hub

Find out what support is available on the Government's Cost of Living Hub


Get help with the cost of living from Money Saving Expert in their Cost of living help guide

Money Helper

Provides support with debt, benefits, money management and pensions.  Call free on 0800 138 7777 or get free and impartial help with money, backed by the government on the MoneyHelper website

Free Debt Advice

The following organisations offer free debt and money advice

Money Adviser Network

The network is run by the Money Helper, a UK arm’s-length government body that helps you access free, confidential and independent debt advice.  Advice can be found on the Money Advice Network website by clicking on the ‘Get debt advice’ button.


Provides debt advice and money guidance. Call 0800 138 1111 or go to the StepChange Debt Charity website for free expert debt advice.

National Debtline

Provides debt and money advice. Call 0808 808 4000 or go to Debt advice | Free debt advice | National Debtline | National Debtline website where webchat is also available.

Citizens Advice

Provides debt and money advice as well as help with the cost of living and benefits. Call on 0800 144 8848 or go to the Citizens Advice website

Christians Against Poverty

A debt counselling charity who may be able to provide a face to face interview. Call 0800 328 0006 or go to the Christians against poverty - CAP website.  Please note you do not have to be a Christian to use this service

Benefit maximisation and budgeting

Millions of pounds of benefit is going unclaimed across the country. Try our Better Off Calculator to see if you are missing out.

Help with housing costs

DHP is a temporary solution while you find a way to cover your rental shortfall by, for example, finding work or moving to affordable accommodation.  You may be able to get a DHP if you're already getting Housing Benefit or Universal Credit. For more information visit our Discretionary housing payments page

Help with Council tax

Council tax reduction can assist you to pay a reduced amount of council tax or none at all, depending on your circumstances.  For more information visit our Council tax reduction page.

General money saving tips

With the cost of living increasing, it’s important to be savvy with the way you’re spending money. Here are some tips and tricks to help you save money.

Review your contracts

Our contracts are a monthly drain on our bank account. Whilst it is currently difficult to get cheaper electricity and gas contracts, you can review other contracts like your broadband and mobile phones.

Check how long is left on each contract and whether there are cheaper options available. For example switching mobile phone providers so you can get a cheaper contract.

Switching to a SIM-only contract whilst using your current phone is a good way to cut monthly costs.

Price comparison sites like Carphone WarehouseMoney SupermarketUswitch or Comparethemarket can help you find cheaper deals on mobile or broadband contracts.

Review your subscriptions

We often subscribe to things and forget about them long after we stop using them. Go through your bank accounts and look at every subscription going out and ask yourself if you use it and whether you need it in your daily life.