Free help and guidance

We work alongside a number of charities and organisations who offer free independent advice, which could help you if you're struggling with the cost of living.

Citizens Advice logo

Citizens Advice offer free, confidential and impartial advice to help you find a way forward - from cost-of-living support to advice on money and debt, benefits, work and more.

Age UK logo

Age UK is the leading charity for older people. From expert advice and friendship, to local support and activities. They are here to help, whatever later life brings.

Energy Saving Trust logo

Our Home Energy Efficiency Tool is powered by Energy Saving Trust, an independent organisation dedicated to promoting energy efficiency, low carbon transport and sustainable energy use.

National Debtline logo

National Debtline provide free, impartial debt advice from experts who care. They have a number of resources to help you  understand your options and take control of your debts today.

Quick guide to taking control of your money

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Open up about your worries

If money worries are getting you down, speak to someone you trust.

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Get a full picture

It’s common to ignore debt or money problems. Try to address them head on.

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Create a budget

Setting and following a budget can help keep you on track.

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Find help and support

There might be help from charities or the Government available to you.

Trouble paying your mortgage?

Bills are increasing and for some this means struggling to repay the mortgage each month.

If you’re an existing YBS member, tell us about your circumstances and find out how we could help.

Avoiding energy scams

There have been a number of scams posing as help with rising energy bills.

Find out how these scams work and how to spot them.

Budget calculator

Setting a new budget could be a helpful way to manage your money.

Try our calculator and work out how to budget your monthly outgoings more effectively.

Useful websites and phone numbers

MoneyHelper – Free, impartial money information from the government.
Help for Households – Information on energy support available from government.
National Debtline – If you’re worried about debt, call on 0808 808 4000 (Monday to Friday, 9am to 8pm).
StepChange – Free, confidential debt advice and money guidance.
Samaritans – If worrying about money is getting you down, speak to someone on 116 123 (24 hours a day).
Mind – Guidance and support for mental health.