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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.

person with bills and laptop

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.

writing on notepad

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

Stressed woman looking at bills

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 2025: Household Bills Calculator

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

Money Wellness blogs

Are you worried about possible welfare reforms?

16 Jan 2026

Are you worried about possible welfare reforms?

Changes to the system are still on the agenda.

16 Jan 2026

Do you pay more for your food shop because of where you live? Plus: how to keep costs down, wherever your postcode

What’s behind the ‘postcode penalty’?

How much do you have left over after paying for essentials?

15 Jan 2026

How much do you have left over after paying for essentials?

1 in 4 workers have £100 or less at the end of the month.

15 Jan 2026

Dosh dilemma: Julie always forgets her loyalty card – how she can stop leaving money at the till

Forgetting a loyalty card feels like leaving money on the conveyor belt.

How using stale bread can save you money

15 Jan 2026

How stale bread can save you money

Make the most of what you’ve already paid for.

15 Jan 2026

Hidden costs renters forget and how to cut them

Most commonly forgotten costs and practical ways to keep them down.

Average Customer Rating:

4.9/5

Independent Service Rating based on 8744 verified reviews. Read all reviews

Jay - 16 Jan 2026

A very smooth experience

Sophie was very helpful, professional and empathetic towards my issues. Application process was smooth and straightforward. I feel relieved now that my DRO has been approved. Thank you for your support Money Wellness

Kevin - 16 Jan 2026

Took a huge load off my shoulders

Sammy(lady who I spoke with) was so understanding and supportive. Immediate help.

Trusted Customer - 16 Jan 2026

Service money welness Good and kind for me help me to much thank you so much

Trusted Customer - 16 Jan 2026

Low income familys council tax debt relief

Fantastic service, very helpful and guided me through every part step-by-step I would highly recommend money wellness to anybody struggling with council tax debt. Especially low income families.

Kriss - 16 Jan 2026

Highly recommend very helpfull found a solution to suit myself and I felt instant relief after speaking with them very professional and didn’t feel judged

Danielle - 16 Jan 2026

Good and helpful

Very helpful and sensitive to my personal situation

Trusted Customer - 16 Jan 2026

The staff where amazing Patient understanding and ver professional Talked me step by step through the process Thank you for taking a huge weight off my shoulders

Melanie Blair - 16 Jan 2026

Maria - 16 Jan 2026

I recently had the pleasure of using Money Wellness, and I must say, I am thoroughly impressed. From the outset, their team demonstrated a high level of professionalism and a genuine commitment to helping me navigate my financial challenges. The advice was tailored to my specific situation, making it easy to understand and implement. Thanks to Money Wellness, I now feel more in control of my finances and have a clear path towards achieving my financial goals. I highly recommend their services to anyone seeking reliable and supportive financial guidance.

Trusted Customer - 16 Jan 2026

Well recommended company.

Absolutely brilliant service. Went into the call thinking I was at a loss with my debts. But the person I spoke to soon reassured me help was available and made the process so much easier. Credit to there specialists they really can work with any situations

John - 16 Jan 2026

Olivia from money wellness 10/10 customer service

I spoke with Olivia yesterday from money wellness and I can’t thank her enough for her help and support.. I have been a mess for months, worrying about my debts and being scared to open my letters, after speaking with her, she thoroughly explained everything and reassured me that she can help. I found the confidence to finally open my letters and solve my debts. Such a lovely kind person honestly really can’t thank her enough 😊

Trusted Customer - 16 Jan 2026

Very Informative and helpful and efficient

Jamie - 16 Jan 2026

Thomas was very helpful during this crisis time in my life. I felt up against a wall and his service helped me back off from the cliff. Thanks Thomas

Trusted Customer - 16 Jan 2026

Jennifer - 16 Jan 2026

A New Start Thanks to Money Wellness

I can honestly say I am a different person thanks to Money Wellness. They guided me through the entire process step by step until I successfully achieved a DRO order. I truly feel like I am starting a new chapter in my life. Everything was explained clearly and safely, the process was smooth, and they always had time for me whenever I needed support or answers. This fresh start is all thanks to Money Wellness. I highly recommend them to anyone who needs professional, caring, and reliable help.

Katarzyna - 16 Jan 2026

Well experienced

Wonderful service, Great experience! Absolutely recommend them 💯

Trusted Customer - 16 Jan 2026

Stephen's Debt Relief Order

Ive email the information from Universal Credit regarding my debt relief order speaking with Andrew and Anteline yesterday very good 2 hours 2 minutes AtoZ of all 4 debts incomings and outgoings expenses could someone let me know if they got my emails ive sent over the screenshot wouldn't let me send it to the link so I shared the information regarding Universal Credit advice with my email address [email protected] I will pay £49 per month until it's all clear thanks again the 7 people In all I spoke with my advice plan and money wellness were kind and polite now I need the dro set up so wolves won't knock on my door I was seriously ill yesterday felt I was knocking on heavens door ring me please and let's get my dro set up thank you

Stephen - 16 Jan 2026