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There’s lots of places to get free advice from experts, including charities and government services, and whether that's on a website (like Nuts About Money) or a chat with an expert. It all depends on which money topic you'd like help with – all the top options are below.
Feeling a bit lost with your finances? Or not sure what to do with a pension, investments, or where and how to get started? Maybe you’re struggling a bit with debt, benefits, and just life and money in general.
Don’t worry, we’ve all been there, and getting help is the best thing to do, both for yourself, your future, and your backpocket.
Here’s our hand-picked list of the best places to get free advice for whatever money topic you might have.
Nuts About Money (that’s us!) have got a huge range of information on our website that covers things such as investing, pensions and mortgages. If you head over to our homepage you’ll be able to search for an answer to any question you might have – and it’s completely free.
Nuts About Money website: nutsaboutmoney.com
Unbiased is a website that can match you with a fully qualified financial advisor, with experts covering things like pensions and mortgages. You will have to pay for the advice should you want in-depth advice, but you may be able to get a free initial consultation to run through anything you might be considering (such as setting up a personal pension).
Unbiased website: unbiased.co.uk¹
MoneyHelper is a government-backed service which includes a comprehensive website packed with helpful information on a range of money topics, and a call centre where you can speak to a friendly money expert for free. You can also chat to them over live chat on their website, or whatsapp.
MoneyHelper was formed when The Money Advice Service, The Pensions Advisory Service and Pension Wise merged.
MoneyHelper website: moneyhelper.org.uk
MoneyHelper phone number: 0800 138 7777
Pension Wise is part of MoneyHelper, but if you’re over 50, you can get free advice about your pension with a pensions expert. You get a one hour appointment and they can run through all your options (such as withdrawing your pension, called pension drawdown, and many other topics).
Pension Wise website: moneyhelper.org.uk/en/pensions-and-retirement/pension-wise
Pension Wise phone number: 0800 011 3797
Citizens Advice Bureau provides help and advice on a wide range of money topics, with a focus on things like Universal Credit (benefits), employment issues, consumer issues (such as contracts for work or services).
Their website has a range of information but you can also speak to an expert over the phone, or on live chat.
Citizens Advice Bureau website: citizensadvice.org.uk
Citizens Advice Bureau phone number: 0800 144 8848
Shelter is a charity that provides information, advice and support focusing on housing and homelessness. They also help with related topics such as benefits, and health issues.
Shelter website: shelter.org.uk
StepChange is a charity that offers free debt advice, which helps to manage your finances and ultimately reduce and clear the debt (such as a budgeting plan).
StepChange website: stepchange.org
National Debtline is a charity that focuses on debt advice, and you can speak with an expert for free to plan how best to manage your debt.
National Debtline website: nationaldebtline.org
National Debtline phone number: 0808 808 4000
The Financial Ombudsman Service helps to settle disputes between financial services companies and their customers (for instance bank or pension providers).
After you’ve complained directly to the company and if you’re not happy with the outcome, the Financial Ombudsman Service can step in to try and resolve the problem, and potentially award compensation.
Financial Ombudsman Service website: financial-ombudsman.org.uk
Financial Ombudsman Service phone number: 0800 023 4567
Age UK is a charity focused on elderly support, and provides a range of information on their website that covers money, benefits, health, care and work. You can speak to a specialist advisor for free over the phone.
Age UK website: ageuk.org.uk
Age UK phone number: 0800 678 1602
Tax Help For Older People is a charity to help older people (over 60) with taxes, who are also on a lower income (under £20,000 per year). You can get free advice with a tax expert.
Tax Help For Older People website: taxvol.org.uk
Tax Help for Older People phone number: 01308 488066
Christopher Dowling combines a communications degree with over 10 years experience in the financial services industry in London – with focus on educating people on a wide range of money topics in an easy to understand way. He writes about savings, investing, pensions, mortgages, insurance, banking, loans, business finance and other money topics.
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