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Income & Budgeting

How to budget, make your money go further and cut costs.

How to budget, make your money go further and cut costs.

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National minimum wage

A guide to national minimum wage rates, the most common reasons for being underpaid and what you should do if you think you've been underpaid.

person with bills and laptop

Working tax credits

Find out if you can get working tax credit, how much you’ll get and how it’s being replaced by universal credit.

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What benefits can you get when you lose your job?

A guide covering the various factors that affect what benefits you can get when you lose your job.

writing on notepad

How to create a budget

Whether you’re struggling to cover your bills each month, or just want to save a little extra cash, building a strong budget & following it can benefit everyone

Stressed woman looking at bills

What to do if you’ve got a negative budget

What to do if the money you have coming in doesn't cover your essential household bills.

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Use our budgeting tool

A budget planner brought to you by Money Wellness.

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April 2025: Household Bills Calculator

Quickly estimate how much your bills might go up this April.

Money Wellness blogs

A woman sits on the stairs with her head in her hands

23 Oct 2025

Why debt can be such a heavy burden for domestic abuse survivors

Why we're calling for change

A picture of a clock

23 Oct 2025

Time is money – 10 ways to use your extra hour to boost your bank balance

Make the most of the clocks going back

22 Oct 2025

Millions in the UK can’t afford healthy food

A healthy diet is expensive, especially if your income is low.

22 Oct 2025

Real living wage to rise by nearly 7% – what it means for you

Around 500,000 workers are expected to benefit from the rise.

Image of a couple checking their finances and making payments on credit cards. Money Wellness partners with Capital One to help more people take control of their finances

22 Oct 2025

We’ve partnered with Capital One to help more people take control of their money

Working together to give more people free, trusted money support when they need it most

A red arrow on top of piles of £20 notes representing rising prices

22 Oct 2025

On benefits? Why this month’s inflation figure is so important for you

Find out how much your benefits may go up by

Average Customer Rating:

4.9/5

Independent Service Rating based on 9173 verified reviews. Read all reviews

Be well and ring money wellness

Brilliant and understanding. Sorted my issue unlike many other companies that just want to make a payment plan and nothing else when u can't afford it.

Muhammad - 23 Oct 2025

Very informative with lovely staff who talk you through everything with out judging you, they were brilliant

Trusted Customer - 23 Oct 2025

Vary good advice Also vary friendly and welcoming help with all the forms and the best way forward highly recommend useing this company .

Trusted Customer - 23 Oct 2025

Great help and support

The process was very thorough and explained very well by the colleague that assisted me , I wish I knew his name because he was amazing, in fact both employees that assisted me across the last 24hrs were great.

Kai - 23 Oct 2025

Really good and helpful. Have not yet received the emails promised by the agent though

Dawn - 23 Oct 2025

thank you so much

brilliant service has definitely lifted a weight of my shoulders

Anne - 23 Oct 2025

Travis provided the best customer service I have ever received! He was really understanding of my neurodivergencies and mental health and was happy to answer all questions so I fully understood everything we discussed! I am now confident that I can manage my finances and the stress I was under has been lifted. Thanks again Travis!

Trusted Customer - 23 Oct 2025

Caring and vey helpful

Very helpful and friendly

Joanne - 23 Oct 2025

Helpful understanding and very professional and perfect

Trusted Customer - 23 Oct 2025

The experience was practical and applicable

Easy to understand the process, as it was explained in layman's terms, my advisor was thorough, efficient and effective. The recommendations were practical.

Lima - 23 Oct 2025

Very helpful they explain everything. Very friendly staff.

Trusted Customer - 23 Oct 2025

Was very helpful and reasonable with helping to sort out debts or financial situations

Liam - 23 Oct 2025

Highly recommend

From the initial phone call I felt at ease in what was an extremely stressful situation . I would highly recommend Money Wellness who have given me the opportunity to sleep again at night and stop worrying. Thank you

DEBBIE - 23 Oct 2025

The person on phone advised me to go for dro and were really understanding about my current situation

Glen - 22 Oct 2025

Excellent company

Very thorough information given Excellent customer service and very understanding and non judgemental

Claire - 22 Oct 2025

Service was good was great help I was very happy and satisfied

Nosaneen - 22 Oct 2025

Every agent was so polite, helpful and gave me so much information for each step. They got me through everything and set me up with all the help and solution

Jamie - 22 Oct 2025

The lady was amazing and helpful and sorted my problem out.

David - 22 Oct 2025

Thank Heavens For Money Wellness

Helpful, compassionate and very understanding

Marie-Antoinette - 22 Oct 2025