Free independent help and advice

When you’re worried about money, talking to someone can make all the difference. Remember that you’re not alone. These organisations offer free help, support and guidance if you need it.

Organisations who can help:

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. 

Visit PayPlan


StepChange logo

StepChange Debt Charity

  • Free, impartial advice for you and your finances 
  • A wide range of practical debt solutions
  • Support available online 24/7 or by phone 

Call: 0800 138 1111

Lines open Mon-Fri 8am-8pm and Sat 8am-4pm

Visit StepChange

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

Visit National Debtline

Turn2Us logo

Turn2Us – Financial support charity

  • Search for funds, grants and benefits 
  • How to navigate applications 
  • Speak to an adviser in your local area 

Call: 0800 802 2000

Lines open Mon-Fri 9am-5pm 

Visit Turn2Us

MoneyHelper logo

Guidance from MoneyHelper

  • Government-backed with information on benefits, tax, pensions, homes and savings 
  • Helpful articles, tools and calculators  
  • Support available online, over the phone or face-to-face

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

Lines open Mon-Fri 8am-6pm

Visit MoneyHelper

Citizens Advice logo

Help from Citizens Advice Scotland

  • 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 028 1456 or 0800 144 8848 if you’re in England.

Lines open Mon-Fri 9am-5pm

Visit Citizens Advice

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

Shelter logo

Shelter – housing and homeless 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 using their online support page

Visit Shelter