Are you experiencing financial difficulties or struggling with other life challenges? Help is available. There are many organisations that provide free advice, support and guidance and may be able to help.

All the organisations below offer their primary services free of charge.

Government-backed Advice Service

  • Advice on benefits, tax, pensions, homes and savings
  • Money calculators, helpful articles and regular updates
  • 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

Debt Charity

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

Call: 0800 138 1111

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

Visit StepChange

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

Financial support charity

  • Find the right support and how to access it
  • Search for funds, grants and benefits
  • Speak to an adviser in your local area

Call: 0808 802 2000

Lines open Mon-Fri 9am-5pm

Visit Turn2Us

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

Free, confidential debt 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

Visit Citizens Advice

UK-wide Online Advice Centre

  • 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

Housing and Homeless Charity

  • Housing advice including mortgages, rent and benefits
  • Help with money and debts
  • Talk to someone online or by phone

Contact Shelter using their online support page

Visit Shelter

Free emotional support

  • If you are having a difficult time in coping with any part of your life, the Samaritans can provide free support to help
  • Samaritans is dedicated to reducing feelings of isolation and disconnection
  • Talk to someone online, via email, via post or in a branch

Call: 116 123

Lines open 24 hours, seven days a week

Visit Samaritans

Help and support with gambling problems

  • Leading provider of information, advice and support for anyone affected by gambling harms
  • Talk to someone online through live chat, on online forums or by phone

Call: 0808 8020 133

Lines open 24 hours, 7 days a week

Visit Gamcare

National Gambling Treatment Service

  • Network of organisations working together to provide confidential support and treatment for anyone experiencing gambling-related harms.
  • Free to access 7 days a week
  • Talk to someone online through live chat or by phone

Call: 0808 8020 133

Lines open 24 hours

Visit BeGambleAware

Free online self-exclusion

  • Helps you control your online gambling
  • Once registered you will be prevents from using gambling websites and apps for a period that you choose
  • This is a free service for users

Visit Gamstop Therapy

Free business advice and financial help for self-employed and business owners

  • Advice and financial help from government-backed schemes
  • You can also get help with taxation

Visit the Business Support Homepage

Free debt advice over the phone and online

  • Free and independent debt advice including a budget tool to help you find the right debt solution for you and your business
  • Talk to someone online through webchat or by phone

Call: 0800 197 6026

Lines open Mon-Fri 9am to 8pm

Visit Business Debtline

Benefits and Financial Support

  • Information and access to benefits if you are on a low income
  • Includes Universal Credit, housing, heating and other support

Visit Benefits homepage