Below are some examples of organisations that can help low income earners with their finances or money issues in the UK. Whilst this list is specific to the UK it does provide readers with examples of financial services that should be available in their countries as well.

If you are having a difficult time with your finances or managing money, or you feel like you are in a perpetual circle of debt, there are financial experts available to help you at no fee to you. There are numerous non-profit organisations located throughout the UK that are available to help you get your finances back on track. Below is a look at some leading non-profits that can help you with your finances.

Citizen Advice

Citizen Advice offers people who live in the UK with free and confidential financial advice. They offer face-to-face meetings or home visits, as well as, services by phone or online. They can help you deal with your debt and create a plan to dissolve it, teach your money management skills, help with employment related issues, or offer expert financial advice on a variety of issues, such as loans, and repayment plans.

Debt Advice Foundation

This non-profit is registered as a national financial support services charity. They offer confidential and independent advice to help you with any of your financial problems. They work to help develop a financial strategy that is right for your specific situation. They provide free advice on all types of loans, credit and debt issues. In addition, they can help you develop a free debt management plan or an Individual Voluntary Arrangement (IVA) plan.

My Money Steps

My Money Steps is a division of the National Debtline and is designed to offer free independent and confidential financial services to people throughout England, Scotland and Wales. They offer their services either over the phone, online, or through email. They teach money management and budgeting skills, as well as, offer assistance with rental arrears, overdue mortgages, debt relief orders and bankruptcy. They can also help you design a plan to get rid of all your debt.


Shelter is a nationwide organisation, whose main goal is to prevent homelessness. They offer free and confidential services to all residents who are concerned about losing their current housing. They work directly with landlords and mortgage companies to help devise a plan that will allow you to remain in your home. They also teach budgeting and money management skills to help you get your finances back in track, so you do not lose housing in the future. They offer face-to-face meetings, as well as, online and phone services.

Step Change Debt Charity

Step Change Debt Charity can offer free and anonymous financial advice either by phone or online. This may help you get answers to some of your primary financial problems. In addition, this organisation can help people who are dealing with a variety of different financial issues, such as mortgage problems, repossessions, debt relief, employment issues, overdue utility bills, and more. This organisation can also provide free debt management plans, Individual Voluntary Arrangements (IVA), Debt Relief Orders, and bankruptcy.

All of these non-profit organisations offer free and unbiased services, which means they are looking out only for your best interests. They will gladly talk to your creditors, landlord, and utility companies on your behalf to help improve the likelihood of getting the result your want. They are likely to ask you a wide array of questions about your current financial situation, so make sure you have all of your information readily available before contacting them. The more details you can offer, the better able these organisations will be able to help you deal with your current financial issues and help you get the results you need.