Guides
Sort Your Money
Practical guides for managing money when things are tight. Budgeting on benefits, dealing with debt, Universal Credit help and more — no judgement, just clear next steps.
Dealing With Debt
Where to start when debt feels overwhelming
Getting Out of Overdraft
Step-by-step method to escape the overdraft cycle
Budgeting on Benefits
Making benefits stretch further
Universal Credit Guide
How UC works, what you get, what to expect
Universal Credit Five-Week Wait
How to survive the first payment gap
Weekly Pay Guide
Budgeting when you're paid weekly
Variable Income
Managing money with an unpredictable income
When There's Not Enough
Practical steps when money runs out before payday
Managing Money With ADHD
Money strategies that work with your brain
Managing Money & Mental Health
When mental health makes money harder
Separating Finances After Breakup
Untangling shared money and accounts
Financial Statement
Create a clear picture of what comes in and out
Money Help — Practical, Not Patronising
These guides are written for people dealing with tight finances, debt, benefits and the kind of money stress that doesn't get covered by mainstream advice. No judgement, no "just stop buying coffee" — just genuine, practical steps you can take. For free, independent debt advice contact StepChange or Citizens Advice.