Free, independent help managing your finances

If you’d like some impartial and confidential advice, here are some organisations that might be able to support you. They can help you prioritise your debts and work out your budget, which is an essential starting point to help tackle debt problems.

Getting advice won’t affect your credit score or involve a credit check.

- National Debtline – if you live in England, Scotland or Wales go to nationaldebtline.org or call 0808 808 4000
- MoneyHelper – visit moneyhelper.org.uk
- StepChange Debt Charity – call them free on 0800 138 1111 or visit stepchange.org
- Citizens Advice – visit your local Citizens Advice or go to adviceguide.org.uk 

If you need emotional support:

- Samaritans – call them free at any time on 116 123 or email jo@samaritans.org

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