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Income & Budgeting

How to budget, make your money go further and cut costs.

How to budget, make your money go further and cut costs.

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National minimum wage

A guide to national minimum wage rates, the most common reasons for being underpaid and what you should do if you think you've been underpaid.

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Working tax credits

Find out if you can get working tax credit, how much you’ll get and how it’s being replaced by universal credit.

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What benefits can you get when you lose your job?

A guide covering the various factors that affect what benefits you can get when you lose your job.

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How to create a budget

Whether you’re struggling to cover your bills each month, or just want to save a little extra cash, building a strong budget & following it can benefit everyone

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What to do if you’ve got a negative budget

What to do if the money you have coming in doesn't cover your essential household bills.

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Use our budgeting tool

A budget planner brought to you by Money Wellness.

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April 2026: Household Bills Calculator

Quickly estimate how much your bills might go up this April.

Money Wellness blogs

Image of a man taking a meter reading and writing down the figures. Just four days left to avoid paying more than you should as energy bills jump on 1 July. Millions face higher gas and electricity bills next week - here's the simple check that could

26 Jun 2026

Just four days left to avoid paying more than you should as energy bills jump on 1 July

Millions face higher gas and electricity bills next week - here's the simple check that could save you money.

26 Jun 2026

50 free things to do when it’s hot

Some of the best summer days are the simplest ones.

Could you cover an unexpected expense?

managing your money

26 Jun 2026

Could you cover an unexpected expense?

Many households can’t cope with financial shock.

Why are fuel prices still so high after US-Iran peace deal?

26 Jun 2026

Why are fuel prices still so high after US-Iran peace deal?

Drivers counting the cost of Middle East conflict.

26 Jun 2026

Best summer side hustles you can start this weekend and still make the most of the sunshine

Make sure you charge enough for your time.

Personalised support for people on out-of-work benefits expanded

26 Jun 2026

Personalised support for people on out-of-work benefits expanded

Government wants to get more people back into work.

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Independent Service Rating based on 7860 verified reviews. Read all reviews

The talked me through step by step showing me different options for my debt I got the best help

Ruth - 28 Jun 2026

Kind, welcoming staff, very helpful.

Trusted Customer - 28 Jun 2026

I can now sleep at night!

Money Welllness were really helpful and explained everything well to me. They’ve given me peace of mind about my debts and I’ve been sleeping so much better at night.

Ellen - 28 Jun 2026

Very helpful and professional! Very happy and super satisfied with all the services, the time spend to understand what options where affordable in my situation it was really incredible and happy I had the chance and the courage to ask for help! All the advisers were very helpful and no judgement ready to help and support me! Thanks a lot for everything and we'll done for the good work you all do!

Trusted Customer - 27 Jun 2026

Cried with relief

Clear and concise so I could understand very well. I was put at ease and left the call feeling a huge relief, I had a good cry of relief

Sophie - 27 Jun 2026

Very friendly people and understand you and your situation completely and help you through and process that is right for you and they are there every step of the way and I appreciate the support they give. There is no judgement from them at all.

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Nicola - 27 Jun 2026

Fantastic I felt much better after the call

I was so nervous to ring up but im glad i did he was understanding very helpful and at the end of the call I felt optimistic about my future everyone I spoke to was very helpful and nice im glad I picked up the courage and made the call so I thank you all

Trusted Customer - 27 Jun 2026

Great service thanks

Trusted Customer - 27 Jun 2026

Liam was great!

Liam made the whole process so smooth and made me feel non judged the whole way through.

Hannah - 27 Jun 2026

Really friendly. Extremely helpful and insightful. Thorough and professional

Trusted Customer - 26 Jun 2026

So far so good 👍

I have severe anxiety with stuff like this and I've had nothing but kindness and understanding. They helped me through every step so far and I look forward to their help to get me through the next bit. Thanks guys Will recommend you in the future.

Trusted Customer - 26 Jun 2026

The staff were very helpful and a really good service

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Aaron - 26 Jun 2026

Excellent Service

Money Wellness went beyond every expectation, and they exceeded. They were very informative and knowledgeable.

Trusted Customer - 26 Jun 2026