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Expert help & advice on paying bills. Save money, manage debt.

At StepChange Debt Charity we help 620,000 people deal with problem debt every year. Alongside this our StepChange MoneyAware team help people avoid debt, with practical advice and tips on saving money, budgeting and staying on top of bills.

MoneyAware is our dedicated debt-busting team of experts - James, Rory, Rachel, Rebecca and Jenny. They're bursting with knowledge on budgeting, the latest news and money-saving tips.

Helping you stay MoneyAware

We've got the answers to all your money questions, plus some you might not think to ask:

  • How to beat rising energy bills
  • Find out how to avoid using payday loans
  • Give your budget an extra cash boost
  • Find out how to claim benefits you’re entitled to

MoneyAware has the answers and our newsletter is a great way to get a selection of our most topical, useful and helpful articles in bitesize chunks.

We’ll also help you prepare for those unexpected life changes:

  • How do I budget for a baby?
  • What happens to joint debts if we split?
  • Do my family have to pay my debts if I die?

Sign up and save money on water

As a taster of what you can get on a regular basis, if you sign up to our newsletter we'll send you our guide to 6 seriously simple tricks to save money on water!

Get a debt check

As the UK's leading debt charity we can provide free, impartial advice and debt solutions. If your situation changes and you need help, we’re here to help.

Most people have credit debt of some kind, and debt is only a problem when the monthly payments become unmanageable. However sometimes it can be difficult to know if you’re struggling.

Our 60-second debt test will tell you in less than a minute if you have a debt problem. You’ll get an immediate assessment of your situation and clear advice on your next steps.

StepChange Debt Charity and Northumbrian Water are here for you in the good times and the bad.

In partnership with

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7 simple ways to save money on water bills

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Everything you need to know about bills

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Genius ideas to boost your income

Visit our MoneyAware blog

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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