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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

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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

Parents won’t have to pay to sit next to children on planes

02 Oct 2026

Parents won’t have to pay to sit next to children on planes

Changes could knock £100 off cost of family holiday.

Set reminders so you know when contracts are up

02 Oct 2026

Set reminders so you know when contracts are up

Not knowing when contracts expire or auto-renew can be costly.

Save money by saving energy this winter

01 Oct 2026

Save money by saving energy this winter

A few small changes could make a big difference to your bills.

Families facing eviction and hardship to get help with legal funding

01 Oct 2026

Families facing eviction and hardship to get help with legal funding

£16m legal lifelines grant launched.

Image of a pensioner looking worried at bills. Why the triple lock is essential for low-income households.The state pension will rise more slowly from 2030, and the pensioners with the least will feel it first.

30 Sep 2026

Why the triple lock is essential for low-income households

The state pension will rise more slowly from 2030, and the pensioners with the least will feel it first.

image of a woman checking her paperwork. Thousands could be owed a £90 debt relief order refund. The Insolvency Service has around £450,000 to pay back to people who paid the old DRO fee but never submitted their application

30 Sep 2026

Thousands could be owed a £90 debt relief order refund

The Insolvency Service has around £450,000 to pay back to people who paid the old DRO fee but never submitted their application

Average Customer Rating:

4.9/5

Independent Service Rating based on 7387 verified reviews. Read all reviews

Would highly recommend money wellness. From start (monday) to finish (friday) 5 days my debts have been approved for DRO. They was kind and so helpful at a difficult time. Thank you 10* all the way

Trusted Customer - 02 Oct 2026

Absolutely brilliant service they were really helpful and supportive and not judgemental at all Guided me through the whole process which only took 1.5hrs Highly recommend

Trusted Customer - 02 Oct 2026

Highly recommended

Excellent service. So helpful and understanding. Explained every step. Was a very quick process too. From the phone call to the result was just a few days. Which has been such a relief. Thank you so much. I have recommended to my family already.

Matt - 02 Oct 2026

VERY HELPFUL AND ONGOING ADVICE AND HELP

Trusted Customer - 02 Oct 2026

Brilliant service. Helped me a lot

Susan - 24 Sep 2026

The advisors i spoke to where very helpful.

Trusted Customer - 02 Oct 2026

Trusted Customer - 02 Oct 2026

They are fantastic to work with

Trusted Customer - 02 Oct 2026

Brilliant service, explained everything clearly and helped me with a plan after ignoring my debts for years

Trusted Customer - 02 Oct 2026

Really informative helpful and put you at ease.quick to help you sort out your problems

Trusted Customer - 02 Oct 2026

Everyone I talked to was very kind, pleasant and patient with me. I have anxiety and depression and talking about my finances made it worse. I would to like to thank everyone who had interacted with me and helped me in a professional manner.

Trusted Customer - 02 Oct 2026

Sound advice and reassurance.

Excellent, sound advice and guidance. My advisor was able to guide me through each stage of my enquiry thoroughly and at a reasonable pace. Reassuring and in control of my finances.

Jim - 02 Oct 2026

Trusted Customer - 02 Oct 2026

Very good made feel at ease and no judging me

Trusted Customer - 02 Oct 2026

1st class service from start to finish.

1st class service from start to finish. I sought help after struggling with debt for a couple of years, I reached out to money wellness on Friday and by Wednesday I had a solution in place. I couldn’t recommend them enough.

Mr H - 02 Oct 2026

Very helpful and understanding my problem and I’m happy I’m stress free

Caroline - 02 Oct 2026

Pawel - 02 Oct 2026

Found out yesterday that id been approved and accepted

Joanne - 02 Oct 2026

Really good and very helpful got me the result I needed and the advice given was very easy to follow and understand

Jamie - 02 Oct 2026