Managing your money
It can be very difficult to manage your money when emergencies happen. If you are unsure where to turn, see our guide below.
There are times when we could all use help managing our money. Whether it’s unexpected expenses, a reduction in income, or simply struggling to meet all your commitments each month, support is available. You’re not alone, and there’s no shame in seeking help.
The information below can guide you to all the help you need. Some are tools designed to help you create and manage your monthly budget, while others provide support and advice for those who are beyond this point.
How to find the help you need
National Debtline is one of the biggest providers of free advice and tools in the UK. They are a charity that’s authorised by the FCA (Financial Conduct Authority), and the consultation is always free.
According to their website, over 8 million people in the UK experience financial difficulty. Their website provides lots of useful information, such as how long a creditor can take to recover a debt and letter templates for those trying to recover from a bad situation.
They also provide a useful budgeting tool.
The Money Charity also offers some other great advice and resources designed to educate and create a more positive attitude towards money.
They offer users tools and training like their Budget Builder tool. It gives a clear picture of your income and expenditure in a user-friendly way. You can save the information and return as often as you like.
Building a monthly budget can be a big help. It lets you know exactly where you stand and can pinpoint problems you may be having.
The Citizens Advice Bureau (CAB) helps people with a variety of problems. They advise on employment law and legal issues as well. They have local offices all over the country and provide free face-to-face advice to anyone that needs it.
Phone: 0800 144 8848 (England) | 0800 702 2020 (Wales)
Citzens Advice Scotland (CAS) is Scotland’s largest independent advice network. If you need help with your debts, you can call them between 9am and 8pm to speak to an advisor.
Phone: 0800 028 1456
StepChange is a registered charity provides free advice online or over the phone. They are open from 8am to 8pm, and your conversation with them is confidential. They cover England, Scotland, and Wales.
Phone: 0800 138 1111
You can contact the Royal British Legion benefits and money advice helpline on 0808 802 8080. They will direct you to a local advisor that will be able to help you.
MoneyHelper provides free and impartial advice and guides to help improve your finances. They provide support online and over the phone, as well as tools and calculators to help you plan ahead. Set up by Government, you can contact them through their website or by phone on 0800 011 3797.
Loan guides
These guides will help you find out more about the different types of loan and lenders available.
How it Works
We know you need your money as soon as possible. That’s why we have designed our website to be fast and simple.
Apply Online
Fill out our short, secure form and search an industry-leading panel of lenders to find your loan.
Check Your Offer
Once you have your offer from the lender, you can review the offer and get your cash.
Get Your Money
Once accepted, your money can often be paid into your account the same day.