We aim to make our website as accessible as possible. However if you use a screen reader and require debt advice you may find it easier to phone us instead. Our phone number is 0 8 0 0 1 3 8 1 1 1 1. Freephone (including all mobiles).
StepChange Debt Charity logo

Money advice. Taking control of your finances.

Keep on top of your debt by reducing your spending and making the most of your money. If you’re struggling to manage your day to day money, we’ve got lots of practical money advice tips to help you take control.

Careful budgeting and being more disciplined in the way that you deal with your money will bring you long-term benefits. Creating a plan that allows you to keep track of where your money’s going every month (and how much you can afford to pay your creditors) is essential for a debt-free future.

Our debt information section is a great place to start – you’ll find advice on looking after your money, dealing with creditors and managing debts. For more on money management our budgeting advice section is packed with helpful hints on creating a budget, who to pay first and what to do if you can’t afford to pay your bills.

Reduce your spending

If you’re already cutting back on your spending, you’re doing the right thing. But could you do more? Here are some ideas on how you can save money.


  • If you plan your shopping and work to a budget, you’re less likely to make impulse buys or spend more than you want to. Use a shopping list and stick to it.
  • You should never cut back on essential food items - but are there cheaper brands or supermarket own-label brands that offer better value?
  • Consider switching to a cheaper supermarket.
  • Look out for special offers, keep coupons and remember to use them.
  • There might be reduced grocery items available at the end of the supermarket day. Could you take advantage of that?

Gas and electricity

  • If you stay with your current provider, there are other ways you could save money. Most companies offer a discount for paying by direct debit. Or if you have gas and electricity from the same supplier, you could get a dual-fuel discount. Contact your supplier to see if that’s available to you.
  • Maybe you can reduce your energy consumption. There are many ways you can do this, such as using loft and cavity wall insulation. There might be free offers available. Visit Energy Saving Trust or call them on 0300 123 1234.


If you’re a low water user, it might be cheaper to have a water meter fitted. There are also water saving devices that can be used in the home. Contact your water company to find out more.

Telephone, satellite and internet

These bills can really add up. So it’s worth reviewing the package that you're on to make sure that it offers the best value available. Check with your current provider, shop around or use comparison sites. Here are a few ideas for cutting costs:

  • Change to a combined phone, TV and broadband package. Bundling all three together usually results in a better deal.
  • Think carefully about what you really need. If you can live without those extra TV channels, for example, you can make substantial savings.
  • If it makes financial sense, cancel your mobile phone contract and start using a pay-as-you-go phone. With a pay-as-you-go phone you can control how much you spend more easily.


One of your biggest monthly bills is likely to be your mortgage or rent. Moving home is probably a last resort, but if you think it’s possible, consider downsizing or moving to a cheaper property.

Increasing your income

When times are difficult, finding ways to boost your income is not an easy task. But if you’re able to work, don’t give up. Keep looking for opportunities that could improve your situation. If you’re already in work, could you increase your hours or take on a second job?

Here are a few other things to consider:

  • Are you claiming all the benefits that you’re entitled to? If you’re not sure, try our benefits checker.
  • Could you rent a room to a lodger?
  • Maybe you could get a friend to move in and share the bills?
  • Do you have unwanted items you could sell?

Stay MoneyAware

Our StepChange MoneyAware team are dedicated to uncovering the best money management tips.

  • Visit MoneyAware for practical advice and money tips.
  • Follow us on Facebook – we'll answer your questions, share stories and post useful videos.
  • For Twitter updates follow @MoneyAware.
  • Sign up for the MoneyAware newsletter and have useful tips sent straight to your email inbox every month.

Are there any other useful resources available?

There are a number of money advice tools that can help you keep on top of your finances. A good place to start is the Money Advice Service HealthCheck. It will ask a few simple questions and create an action plan to help you get the most from your money.

Need debt help now?

FREE online debt advice   20 mins

  • Completely anonymous
  • Tailored debt solutions
Use Debt Remedy

Benefits checker tool

Make sure you're claiming the benefits you're entitled to with our online benefit checker tool.

Find out more

Why choose us?

To support you in managing your debt, we’ll help you make the most of your money.

  • Tailored budgetsDeal with your debt by creating a personal budget - we can show you how.
  • Hints and tipsFollow our hints and tips for the best ways to manage your money.

Helping you become debt free...

“I wish to thank your staff for all the great help they gave me when I was in so much debt.
They were a pillar of support to me.” (Leslie, Essex)

Foundation for Credit Counselling Wade House, Merrion Centre, Leeds, LS2 8NG trading as StepChange Debt Charity and StepChange Debt Charity Scotland. A registered charity no.1016630 and SC046263. It is a limited company registered in England and Wales (company no:2757055). Authorised and regulated by the Financial Conduct Authority.

We link to external websites where they contain relevant information for our visitors. We're not responsible for the content of these websites, or any infringement on your data rights under data protection regulations by any external website provider.

*This is the average rating of our service based on the StepChange reviews on Feefo by DMP and DRO clients three months into their solution.

© StepChange Debt Charity 2018