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).
woman browsing groceries

Wondering how you could increase your income?

We're here to help. Get advice online.

Online debt advice tool

i This applies across the UK.

Saving money and increasing income

How to reduce your spending

We know it can be hard. But these changes could make a big difference. Here are some tips to make it easier.

If you are:

Did you know you could get Breathing Space? This means your creditors cannot add interest or fees to your debts, or take enforcement action, for up to 60 days. Please note: Breathing Space is not available in Scotland.

Money worries?

Find out how we can help you.

Get help now

Save money on these essentials...


Save money by buying a Pre-Payment Prescription Certificate (PPC).

If you get a lot of things you need on prescription, this could save you a lot of money.

Mobile, TV and broadband

Sometimes it is cheaper to pay for phone, internet and TV in one package.

You can also:

  • Check you are not paying for things you do not use
  • Make use of free wifi when you can
  • Be cheeky and ask for a better deal. Say you have found one with another provider
  • Get rid of any services that are nice to have but not really needed


Do you really need to use your car all the time?

Selling would save you money on fuel, insurance and repairs.

A car can be cheaper than public transport. But there are ways to make savings there too. Such as:

  • Buying season tickets
  • Travelling off-peak
  • Using discount codes

Using cars less is also better for our health and the environment.

Reduce spending on food, toiletries and cleaning products

We all need to buy these. See what you can save by:

  • Switching to own brand products
  • Making the most of special offers, cashback and coupons
  • Only buying what you need

Keep a list tracking what you need to buy on a weekly shop and stick to it.


We all need insurance. But you may be paying more for for it than you should.

Such as:

  • Paying for mobile insurance that is covered by your contents
  • Paying more for a company you are used to being with

Why not try checking comparison sites? You might be able to switch to a better deal.

Money worries?

Find out how we can help you.

Get help now