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Cost of Living - Sources of help

Like many, you may be really worried about going into debt and some may already be in considerable debt.

The most important things that debt charities say is:-

  1. Don’t put your head in the sand, hoping it will go away!!

  2. Act as early as possible before things get worse

  3. Get advice from debt charities below whose online address usually ends with  .org or (NOT or .com)

Where can I get help if I'm going into debt?

National Debtline Free Charity

0808 808 4000

Step change Free charity

0800 138 1111

 Mon-Fri 8am-8pm, Sat 8am-4pm


Online only

Fighting UK Poverty - Turn2us

Money Helper

Appears to be an HM Government website

Associated with their Pensionwise initiative

Helpline: 0800 011 3797*

Helpline for the self-employed: 0345 602 7021

*Calls are free.

Phone opening hours

Monday to Friday, 9am to 5pm

Saturday, Sunday and Bank Holidays, closed.


Are there any other sources of help?

  1. Citizens Advice - Healthier and Wealthier 0300 323 1001 Advice line: 03444 111 444 or 03000 323 2000
    they will advise what benefits you may be able to claim. See also the benefits calculator below at (5)

  2. See what benefits you may be entitled to. Contact our MS Society benefits advisors on our FREE National Helpline 0808 800 8000.
    Or you can use a benefits calculator such asTurn2us Benefits Calculator

Where can I go if my mental health is affected

If you are in need of a listening ear you can contact our free National Helpline 0808 800 8000.

If you are desperate don’t forget you can ring Samaritans on 116 123 at any time or email

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