Disclaimer: Our website and publications aim to give you general information to help you make financial decisions. It is not advice, nor can it take account of your own particular circumstances. Our helpline can answer general enquiries about financial products and services on 0300 500 5000, and give you information and pointers to help you work out what’s right for you. For advice with a view to making decisions about your own circumstances you should consult a financial or other professional adviser.

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Manage your money

Money made clear
In tougher times you may be finding it harder to manage your money. Our impartial, practical information and tools can help.

To speak to somebody about managing your money, please call us on 0845 606 1234.

No selling. No jargon. Just the facts.

Money saving tips

  • Our Money saving tips cover maximising your income, budgeting and taking stock, debt and how to reduce some of those essential costs.
  • Order or download our printed Making your budget work for you guide – see Publications

Check out your options

Use our interactive tools:

  • Budget calculator – helps you find out whether you have enough money coming in to cover your spending.
  • Mortgage calculator – check what your repayments might be if interest rates change.
  • Debt test – helps you find out whether you are likely to have problems with your borrowing over the next year or so.
  • Compare products – compare the features and costs of savings accounts, mortgages and pensions. You can shop around for other items using other comparison websites, but remember many of them are run by businesses which may promote certain products because they have a commercial arrangement with the company that provides them.
  • Work out if you're entitled to benefits. More than £2billion of benefits go unclaimed every year. If you have a child, you can use our Parenting calculators to help you work out how much you may be able to claim.

The government's Directgov and Citizens Advice Bureau's Adviceguide websites have more information about benefits – see Related information on the right.

Worried?

If you're:

  • concerned about how compensation limits could affect you and your savings – see the Financial Services Compensation Scheme's website, which has some frequently asked questions.
  • having problems paying your mortgage or considering a sale-and-rent-back-scheme – see If you get into difficulties.
  • having problems managing your fuel bills – contact Warmfront on 0800 316 2805, or visit www.warmfront.co.uk.
  • struggling to manage your debts – Get free debt help from a specialist advice agency.