Skip to content
MoneyHelper logo MoneyHelper logo MoneyHelper logo MoneyHelper logo MoneyHelper logo MoneyHelper logo
Cymraeg logo
Cymraeg
  • Benefits
  • Everyday money
  • Family & care
  • Homes
  • Money troubles
  • Pensions & retirement
  • Savings
  • Work
  • Universal Credit

    Find out how Universal Credit works and how to manage your payment
    Benefits if you have children

    Entitlements to help with the cost of pregnancy or bringing up children
    Benefits if you’re sick, disabled or a carer

    Understand what support is available for coping with ill health
    Benefits in later life

    You may be entitled for help with other costs on top of your State Pension
    Benefits and work

    Extra support if you’re working, self-employed, or you’ve lost your job
    Benefits to help with housing costs

    Support to help with rent or mortgage payments if you’re on a low income
    Problems with benefits

    What to do if something goes wrong with your benefits
    Benefits

    All Benefits guidance
    Tools

    Calculator

    Benefits calculator

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions
  • Banking and payments

    How to choose, use and manage bank accounts
    Budgeting

    How to budget, find the best deals and switch to save money
    Buying and running a car

    How to buy and finance a car, deal with problems with car finance, and cut running costs
    Credit

    Credit basics, applying for credit, credit ratings and problems with credit

    Insurance

    Insurance for cars, health, travel, and help with insurance

    Everyday money

    All Everyday money guidance
    Tools

    Tool

    Petrol price finder

    Tool

    Budget Planner

    Tool

    Your options for borrowing money

    Tool

    What to do when you’ve been refused credit

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions
  • Becoming a parent

    Having a baby, returning to work, childcare costs

    Death and bereavement

    Wills, inheritance, sorting out estates
    Divorce and separation

    Sorting out money and homes, what if you have children, money after break ups
    Illness and disability

    Managing costs, extra financial support, help with work or study
    Long-term care

    Paying and getting funding, ways to pay, problems with care
    Student and graduate money

    Credit cards, bank accounts, student debts
    Talk money

    Difficult conversations, talking to teenagers, older people and partners
    Family and care

    All Family and care guidance
    Tools

    Calculator

    Divorce calculator

    Calculator

    Baby costs calculator

    Tool

    Budget Planner

    Calculator

    Benefits calculator

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions
  • Mortgages and homebuying

    Mortgages, help buying, remortgaging, first-time buyers, help and support

    Renting

    Help renting a home and dealing with problems

    Homes

    All Homes guidance
    Tools

    Calculator

    Stamp Duty calculator

    Calculator

    Mortgage affordability calculator

    Calculator

    Mortgage repayment calculator

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions
  • Help with the cost of living

    Budgeting, paying bills, finding extra financial support, coping with job loss
    Dealing with debt

    Bills, court fines, help with debts
    Money problems and complaints

    What to do about mis-selling, compensation and complaints

    Scams

    Spotting scams and what to do if you’re caught out
    Money troubles

    All Money troubles guidance
    Tools

    Tool

    Debt advice locator

    Calculator

    Benefits calculator

    Tool

    Bill prioritiser

    Tool

    What to do when you’ve been refused credit

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions
  • Manage and grow your pension

    How much to save for retirement and ways to boost your pension
    Pensions explained

    How to start a pension, how pensions work and the benefits
    Pension problems and changes

    How to find lost pensions, sort out problems and complain
    Pension transfers and consolidation

    How to transfer or combine pensions, and if it’s a good idea
    State Pension

    How much State Pension you might get and ways to boost it
    Take your pension

    How and when to take your pension – your options explained
    Tax and pensions

    How tax relief, tax-free allowances and tax on income works
    Pensions and retirement

    All guidance, including how to use the Pension Wise service
    Tools

    Appointment

    Get a free Pension Wise appointment

    Calculator

    Pension calculator

    Tool

    Money Midlife MOT

    Tool

    Find out your pension type

    ALL TOOLS

    Get a free Pension Wise appointment

    Find out how you can take money from a defined contribution pension. Pension Wise is free, impartial and backed by government.
  • How to save

    Getting started, getting the most out of savings, problems

    Investing

    How to invest, types of investing, buying and managing
    Types of savings

    Help with meeting goals, tax-friendly saving, saving for children

    Savings

    All Savings guidance
    Tools

    Calculator

    Savings calculator

    Tool

    Budget Planner

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions
  • Employment

    Basics, benefits, tax and National Insurance

    Losing your job

    What to do, alternatives, redundancy pay
    Self-employment

    Starting out, insurance, tax, self-assessment

    Work

    All Work guidance
    Tools

    Tool

    Budget Planner

    Calculator

    Redundancy pay calculator

    Calculator

    Salary calculator

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions
  • Benefits
  • Everyday money
  • Family & care
  • Homes
  • Money troubles
  • Pensions & retirement
  • Savings
  • Work
  • Universal Credit Find out how Universal Credit works and how to manage your payment
    Benefits if you have children Entitlements to help with the cost of pregnancy or bringing up children
    Benefits if you’re sick, disabled or a carer Understand what support is available for coping with ill health
    Benefits in later life You may be entitled for help with other costs on top of your State Pension
    Benefits and work Extra support if you’re working, self-employed, or you’ve lost your job
    Benefits to help with housing costs Support to help with rent or mortgage payments if you’re on a low income
    Problems with benefits What to do if something goes wrong with your benefits
    Benefits All Benefits guidance
    Tools

    Calculator

    Benefits calculator

    ALL TOOLS
    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions
  • Banking and payments How to choose, use and manage bank accounts
    Budgeting How to budget, find the best deals and switch to save money
    Buying and running a car How to buy and finance a car, deal with problems with car finance, and cut running costs
    Credit Credit basics, applying for credit, credit ratings and problems with credit
    Insurance Insurance for cars, health, travel, and help with insurance
    Everyday money All Everyday money guidance
    Tools

    Tool

    Petrol price finder

    Tool

    Budget Planner

    Tool

    Your options for borrowing money

    Tool

    What to do when you’ve been refused credit

    ALL TOOLS
    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions
  • Becoming a parent Having a baby, returning to work, childcare costs
    Death and bereavement Wills, inheritance, sorting out estates
    Divorce and separation Sorting out money and homes, what if you have children, money after break ups
    Illness and disability Managing costs, extra financial support, help with work or study
    Long-term care Paying and getting funding, ways to pay, problems with care
    Student and graduate money Credit cards, bank accounts, student debts
    Talk money Difficult conversations, talking to teenagers, older people and partners
    Family and care All Family and care guidance
    Tools

    Calculator

    Divorce calculator

    Calculator

    Baby costs calculator

    Tool

    Budget Planner

    Calculator

    Benefits calculator

    ALL TOOLS
    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions
  • Mortgages and homebuying Mortgages, help buying, remortgaging, first-time buyers, help and support
    Renting Help renting a home and dealing with problems
    Homes All Homes guidance
    Tools

    Calculator

    Stamp Duty calculator

    Calculator

    Mortgage affordability calculator

    Calculator

    Mortgage repayment calculator

    ALL TOOLS
    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions
  • Help with the cost of living Budgeting, paying bills, finding extra financial support, coping with job loss
    Dealing with debt Bills, court fines, help with debts
    Money problems and complaints What to do about mis-selling, compensation and complaints
    Scams Spotting scams and what to do if you’re caught out
    Money troubles All Money troubles guidance
    Tools

    Tool

    Debt advice locator

    Calculator

    Benefits calculator

    Tool

    Bill prioritiser

    Tool

    What to do when you’ve been refused credit

    ALL TOOLS
    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions
  • Manage and grow your pension How much to save for retirement and ways to boost your pension
    Pensions explained How to start a pension, how pensions work and the benefits
    Pension problems and changes How to find lost pensions, sort out problems and complain
    Pension transfers and consolidation How to transfer or combine pensions, and if it’s a good idea
    State Pension How much State Pension you might get and ways to boost it
    Take your pension How and when to take your pension – your options explained
    Tax and pensions How tax relief, tax-free allowances and tax on income works
    Pensions and retirement All guidance, including how to use the Pension Wise service
    Tools

    Appointment

    Get a free Pension Wise appointment

    Calculator

    Pension calculator

    Tool

    Money Midlife MOT

    Tool

    Find out your pension type

    ALL TOOLS
    Get a free Pension Wise appointment

    Find out how you can take money from a defined contribution pension. Pension Wise is free, impartial and backed by government.
  • How to save Getting started, getting the most out of savings, problems
    Investing How to invest, types of investing, buying and managing
    Types of savings Help with meeting goals, tax-friendly saving, saving for children
    Savings All Savings guidance
    Tools

    Calculator

    Savings calculator

    Tool

    Budget Planner

    ALL TOOLS
    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions
  • Employment Basics, benefits, tax and National Insurance
    Losing your job What to do, alternatives, redundancy pay
    Self-employment Starting out, insurance, tax, self-assessment
    Work All Work guidance
    Tools

    Tool

    Budget Planner

    Calculator

    Redundancy pay calculator

    Calculator

    Salary calculator

    ALL TOOLS
    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions
Home
Cymraeg logo
Cymraeg

Search results for

Clear all

Selected filters

    Page 2 of 11

    • Blog post

      Getting debt advice - my personal experience

      Worried about getting debt advice? In this blog Charlotte shares her real story of working with a debt adviser to clear her overdraft. Find out how you can get...

    • Article

      Where can I get emergency help with money and food?

      Find out where to get urgent free help and support if you’ve run out of money, are struggling, or need to pay an unexpected cost.

    • Article

      Repaying benefit debts and overpayments

      If you’ve been overpaid benefits, you’ll probably have to repay this money. Find out why you might have been overpaid, how you can make repayments, how to query...

    • Article

      Help managing your money if you receive benefits

      We’ve ways to help manage your money if you claim benefits, including how to get cheaper bills and boost your income. Plus, help if you're struggling and need...

    • Blog post

      How to create a household budget for your family

      With the cost of living continuing to rise, it can sometimes feel like it’s impossible to get on top of your family’s finances. However, creating a budget can...

    • Article

      What to do about debt if you lose your job

      Money’s a big worry when you’ve been made redundant or lost your job – and you’ve got debts. Even if you’ve had a decent redundancy payout, keeping up repayments...

    • Article

      How to prioritise your debts

      If you’re starting to miss some of your bill payments, you might be feeling overwhelmed. Find out how to prioritise your debts, work out which debts to pay off...

    • Article

      How to deal with debts after graduation

      Graduates can sometimes leave university with considerable amounts of debt, from your student loan, your overdraft and any other credit products. This guide ...

    • Blog post

      Should you pay off debt, save, or invest first? Making the right financial choices

      When you’re juggling saving with paying down loans and debt it can be hard to know where to put your hard-earned money. How to work out what's the best move ...

    • Article

      Managing credit well

      Using credit can be useful, but it can cause money problems and debt if you struggle to keep up with repayments. Find out how to make borrowing money work for...
    • Previous
    • 1
    • 2
    • 3
    • 4
    • 5
    • 6
    • 7
    • 8
    • 9
    • 10
    • Next

    Popular searches

    • Travel insurance
    • Travel insurance with medical cover
    • Moneyhelper guide
    • Guides
    • Guide
    • Moneyhelper guides
    • All guides
    • Annuity comparison
    • Guides for me
    • Pensions advice

    Free money and pensions guidance

    Our help is impartial and free to use, whether that’s online or over the phone.

    Pension questions?

    Get in touch. One of our pension specialists will be happy to answer them.

    Money questions?

    Our team are available online or over the phone to explain what you need to know.

    Thank you for your feedback.
    We’re always trying to improve our website and services, and your feedback helps us understand how we’re doing.
    Money and Pensions Service logo
    HM Government logo
    Plain Numbers Working Together logo
    • About us
    • Getting help and advice
    • Contact us
    • Partners
    • Tools and calculators
    • Give feedback
    • Welsh language scheme
    • Blog

    Follow us:

    •

    © 2026 Money and Pensions Service, Borough Hall, Cauldwell Street, Bedford, MK42 9AB. All rights reserved.

    • Terms & conditions
    • Privacy notice
    • Accessibility statement
    • Sitemap
    • Cookies
    • Cookie preferences Cookie preferences
    Contact options Close

    Contact us

    Start a webchat

    Mon - Fri: 9am to 5pm

    Sat, Sun, bank holidays: closed

    We’ll ask some questions, then connect you with a specialist.

    Talk to us by phone

    Mon - Fri: 9am to 5pm
    Sat, Sun, bank holidays: closed

    UK calls are free and may be recorded to improve our service.

    Send an email using our online form

    Reply in 3 working days

    If you’d rather write to us, fill out our online form.

    Answer a few questions and then you’ll have space to write as much detail as you need.

    Talk to us live using WhatsApp

    Download app: WhatsApp

    We’ll ask some questions, then connect you with a specialist.

    We’ll reply between Monday - Friday, 9am to 5pm (except bank holidays).

    Accessibility options

    • Relay UK

      Relay UK logo

      Use this confidential service to type messages to us using a textphone or app.

      Visit Relay UK

    • BSL

      British Sign Language logo

      Prefer to use British Sign Language? Use this free service to access a BSL interpreter – just select a topic from the ‘department’ list.

      Connect to InterpretersLive!Opens in a new window

    • Interpreter

      Interpreter logo

      If English or Welsh isn’t your first language, we can find an interpreter to help.

      Call 0800 011 3797