Two real UK charities offer completely free debt advice, not a paid service, not a referral fee, genuinely free:
- StepChange, the UK’s largest debt charity. A free, structured assessment (your income/debts/outgoings, a realistic budget, then a real recommended next step, a debt management plan, an IVA, or a debt relief order, whichever actually fits your situation).
- National Debtline, a free phone and online debt advice service, good if you’d rather work through self-help tools at your own pace than a full structured assessment.
If money’s genuinely tight, talking to one of these first is a better real step than any guide on this page.