Being in debt is stressful, and it can make you feel stuck. You’re not alone, and there is free, trusted help out there. This page brings together the services I’d point a friend to. There are no affiliate or referral links on this page.
I’m not a financial advisor, a debt adviser or a domestic abuse professional. I’m a mum sharing what I’ve learned along the way. This is general information, not personalised advice. Always speak to a qualified professional before making big financial decisions.
Free debt advice
These services are free and confidential. You should never have to pay for debt advice, so be wary of any company that charges you a fee to sort out your debts.
- StepChange: a free debt charity. Phone 0800 138 1111 (Mon to Fri 8am to 8pm, Sat 9am to 2pm).
- National Debtline: free, independent advice. Phone 0808 808 4000 (Mon to Fri 9am to 8pm, Sat 9.30am to 1pm).
- MoneyHelper: government-backed money guidance. Phone 0800 138 7777 (Mon to Fri 8am to 6pm).
Opening times can change, so check each website before you call.
If money is keeping you stuck in an unsafe relationship
Money is one of the biggest reasons women feel unable to leave. If a partner controls your money, stops you working, keeps you short of cash or runs up debts in your name, that is a form of abuse, and it is not your fault. Free, confidential help is available.
If you are in immediate danger, call 999. If you can’t speak, stay on the line and press 55 when prompted (on a mobile) so the call is transferred to the police.
24-hour freephone helplines
- England: Refuge National Domestic Abuse Helpline, 0808 2000 247
- Northern Ireland: Domestic and Sexual Abuse Helpline, 0808 802 1414
- Scotland: Domestic Abuse and Forced Marriage Helpline, 0800 027 1234
- Wales: Live Fear Free, 0808 80 10 800
Help with money and economic abuse
- Surviving Economic Abuse: information and support for people whose partner controls their money.
- CEDEAS: a helpline for victims of domestic abuse facing financial difficulty. Phone 0808 196 8845 (Mon to Thu 9am to 4pm, Fri 9am to 12pm).
- Women’s Aid directory: find local domestic abuse services near you.
Staying safe online
If it isn’t safe for someone to know you’re looking for help, use a device they can’t access, such as a phone or computer at a library or a trusted friend’s home. Private browsing can help, but it may not hide everything. Trust your instincts about what is safe for you.
Whatever your situation, there is a way forward. Asking for help is a strong first step, not a failure.