Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

Money Matters

Helps you manage your money better.

We’ve picked out some useful tools and links for help and information on a wide range of money matters.

Debt Advice

If you’re struggling with debt, it can be hard to know where to turn. But with lots of free, confidential help and advice services available across the UK, there’s no need to use a fee-charging debt management company.

Step Change Debt Charity provides you with the expert advice, budget support and solutions to help you manage your debts.

National Debtline offers free debt advice online through its My Money Steps tool and its web guides, fact sheets and sample letters.

Citizens Advice Bureau provides face to face advice if you’re in serious financial difficulty. 

Debt Advice Foundation is a national debt advice and education charity offering free, confidential support and advice to anyone worried about debt.

Check your credit history and find out how you can improve your rating

You can request to see a copy of your credit history and get more advice on how to improve your credit rating here:

Benefits & Credits

Whether you’re employed or unemployed, make sure that you get all the help that you're entitled to. 

Benefits calculators

A government approved independent benefits calculator can help you find out what benefits you could get, how to claim and how your benefits will be affected if you start work.

Tax Credits Calculator

Get an estimate of how much in tax credits you could get in total by using the government’s tax credits calculator, from today’s date to the end of the 2015 to 2016 tax year. 

Cutting costs

Government approved price comparison sites let you quickly see if you could make a saving on your monthly bills.


Ofgem regulates the electricity and gas markets in the UK and have an approved comparison checker to help energy consumers get the best deal.

Phone, TV and Broadband

The UK communications industries are regulated by Ofcom and provides an approved comparison checker helps consumers choose the best phone, TV and broadband deal.


If you are thinking about switching to a water meter, use the Consumer Council for Water’s calculator to see if you might be able to save money.  If your water company cannot fit a meter, you may benefit from an assessed charge

This is the first page of a new section of our website designed to help you make the most of your money. Come back soon to see the latest interactive tools and articles.