1. StepChange Debt Charity
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Offers confidential debt advice and free, personalised plans to manage repayments or even pause payments if needed.
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Visit stepchange.org, external or call 0800 138 1111
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They can help with things like credit card debt, missed rent, or loan stress — especially if it’s keeping you up at night.
2. Citizens Advice
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Your local Citizens Advice Bureau can help with a wide range of issues — from benefit checks and energy bill support to housing and legal rights.
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They also offer face-to-face appointments or web chat at citizensadvice.org.uk, external.
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For example, many people don’t realise they could be eligible for Universal Credit top-ups even if they’re working.
3. Turn2us
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A brilliant website where you can:
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Check if you’re eligible for benefits.
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Search for grants — from charities that help with everything from school uniforms to utility bills.
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Go to turn2us.org.uk, external and try their grants finder or benefits calculator.
4. MoneyHelper (by the UK Government)
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Free advice on budgeting, pensions, credit scores, and coping with money anxiety.
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Includes budget planners, bill prioritisation tools, and support for major life changes (like job loss or separation).
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Visit moneyhelper.org.uk, external.
