If you’re worried about money, you’re not alone. The cost of living continues to have an impact.

Whether you’re worried about energy bills, credit card debt, rising rent or mortgage payments, it’s important to deal with money worries as soon as you can. Simply speaking to a bank, creditor or charity will not affect your credit rating.

Where you can get help

If you’re making an important financial decision, or thinking about your longer term financial health, then we recommend that you get financial advice.

  • You should speak to your financial adviser if you have one.
  • If you don’t have an adviser, you can search for an independent financial adviser in your area by visiting unbiased.co.uk or by calling them on 0800 023 6868.

Further support

MoneyHelper

A government-backed service offering free, impartial money and pensions advice. Their website has a section dedicated to cost of living, debt and money concerns. They also have a live chat service, or you can call them on 0800 138 7777.

MoneyHelper

StepChange

The UK’s leading debt advice charity. They provide free and impartial advice, online and by phone, as well as managed debt solutions and help with budgeting. You can get advice through their free online tool or by calling them on 0800 138 1111.

StepChange

Citizens Advice

Free, practical advice for tackling the cost of living and money worries. You can reach Citizen’s Advice online, in person and over the phone.

Citizens Advice