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Hand-picked and free to use

Useful links

Trusted places for free money advice, benefits checks, bargains, food-saving apps and friendly money-saving communities. We're not paid to list any of them.

Free, impartial advice

If money is tight or debt is building up, these services are free and confidential. Be wary of companies that charge for help these charities give free. To see how long your debts will take to clear, try our debt payoff planner.

MoneyHelperFree, government-backed guidance on budgeting, debt, pensions and benefits.moneyhelper.org.uk Citizens AdviceHelp with benefits, debt, housing, work and consumer problems, online, by phone or in person.citizensadvice.org.uk StepChangeFree debt advice charity that can help set up a plan to manage what you owe.stepchange.org National DebtlineFree, confidential debt advice by phone and online, including help with letters to creditors.nationaldebtline.org Turn2usFree benefits calculator and grants search to find financial support you might be missing.turn2us.org.uk entitledtoFree, anonymous benefits calculator covering Universal Credit, council tax support and more.entitledto.co.uk

Government schemes worth checking

Benefits calculatorsGOV.UK's list of free, independent calculators to see what you could claim.gov.uk Marriage AllowanceTransfer £1,260 of your personal allowance to your partner, worth up to £252 a year.gov.uk Help to SaveA 50% government bonus on savings for people on Universal Credit with earnings. Opening up to more claimants from spring 2028.gov.uk Lifetime ISAA 25% bonus on up to £4,000 a year towards a first home or retirement. Replaced for new savers by a First Time Buyer ISA from April 2029.gov.uk Childcare ChoicesTax-Free Childcare, free hours and other help with childcare costs in one place.childcarechoices.gov.uk NHS Healthy StartA prepaid card for milk, fruit, veg and vitamins if you're pregnant or have a child under 4 and get certain benefits.healthystart.nhs.uk Child BenefitHow to claim, and why it's worth registering even if you earn over the threshold.gov.uk

Money-saving websites and deals

MoneySavingExpertGuides, deals and a weekly email on bills, banking, shopping and consumer rights.moneysavingexpert.com Skint DadFamily-friendly money-saving tips, freebies and ways to earn a bit extra.skintdad.co.uk Latest DealsCommunity-shared deals, discount codes and freebies, voted on by members.latestdeals.co.uk hotukdealsOne of the UK's biggest deal-sharing communities, with price alerts.hotukdeals.com Which?Independent product tests and consumer rights advice. Some content needs a subscription.which.co.uk TopCashbackEarn cashback when you shop or switch through its links.topcashback.co.uk

Food-saving apps

Too Good To GoBuy surplus food from local shops, bakeries and cafés at a discount, before it's thrown away.toogoodtogo.com OlioNeighbours and local businesses give away spare food and household items for free.olioapp.com Love Food Hate WasteRecipes for leftovers, storage tips and portion guides to waste less food.lovefoodhatewaste.com Our weekly food shop plannerBuild a balanced shop for your household, get recipes and only buy what you need.The Budget Clinic

Free and second-hand

FreegleGive and get things for free in your local area: furniture, kids' gear, garden tools and more.ilovefreegle.org Facebook MarketplaceBuy and sell second-hand locally. Meet in public and never pay before you've seen the item.facebook.com

Money-saving communities

Friendly places to swap tips and ask questions. Groups are run by their own organisers, not by us, so never share bank details or pay anyone who contacts you through them.

Budgeting and Saving communityMoneyHelper's private Facebook group for budgeting tips and support.Facebook group · MoneyHelper Cost of Living support groupMoneyHelper's private Facebook group for help with rising costs.Facebook group · MoneyHelper Debt support communityMoneyHelper's private Facebook group for people dealing with debt.Facebook group · MoneyHelper Feed Your Family For £20 A WeekLorna Cooper's community of budget recipes and meal plans for families. Opens a Facebook search.Facebook search Money Saving Tips UKA group sharing everyday money-saving advice, set up by local newspaper publisher Newsquest. Opens a Facebook search.Facebook search MoneySavingExpert ForumLong-running forum. The "Old Style MoneySaving" board is full of thrifty cooking and household tips.forums.moneysavingexpert.com

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