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
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
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
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
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
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
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
Housing and Homeless Charity
- Housing advice including mortgages, rent and benefits
- Help with money and debts
- Talk to someone online or by phone
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
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
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
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
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
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
Benefits and Financial Support
- Information and access to benefits if you are on a low income
- Includes Universal Credit, housing, heating and other support