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Free debt advice and support

Find out what’s best for you and your money

Totally confidential

Rated 4.9/5 by customers

No impact on your credit score

Nice work — you’ve already taken your first step towards healthier finances!

We’ve teamed up with Money Wellness to give you free advice on managing your finances. You’re just a few quick questions away from discovering any suitable solutions available to you. So if you’re struggling to make ends meet, they could help you get back on track.

Get my free advice

    Advice is tailored to your circumstances, but could include…

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      Creating a realistic budget

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      Seeing if you’re eligible for any benefits or grants

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      Getting debt written off

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      Helping you lower your monthly payments

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      Cost of living advice

    Struggling with debt? You may have options...

    If you’re struggling to repay debt, the advisors at Money Wellness may recommend a debt solution. They’ll walk you through your options, which may include:

    • A free Debt Management Plan (DMP)

    • An Individual Voluntary Arrangement (IVA)

    • A Debt Relief Order (DRO)

    How it works:

    Answer a few quick questions about your finances

    Get your recommendation

    If you want to go ahead, continue online or over the phone

    Need to know

    Getting debt advice from Money Wellness is free and won’t harm your credit score.

    If you choose a debt solution, it may impact your credit score. Some debt solutions are free, others come with a charge. Not everyone qualifies for a debt solution. This is not a form of credit.

    This information is intended to provide you with useful tools and information. TotallyMoney does not provide financial or debt advice. Money Wellness is independent from TotallyMoney. TotallyMoney may be paid a commission as a result of you contacting Money Wellness.

    Get your finances back on track

    Enjoy free debt advice and support today

    If you’re struggling with debt, Money Wellness may recommend a range of solutions, such as debt management plans, individual voluntary arrangements, debt relief orders, and bankruptcy. Some debt solutions are free and some aren’t. Most are likely to impact your credit score.

    Money Wellness provides free and independent advice. They’ll talk through your options and recommend a course of action. They’ll make sure you’re aware of all the benefits and possible drawbacks of any solution, so you can make an informed decision.

    Getting debt advice from Money Wellness is free and won’t harm your credit score. If you choose a debt solution, it may impact your credit score. Some debt solutions are free, others come with a charge. Not everyone qualifies for a debt solution. This is not a form of credit.

    Yes! Money Wellness don’t just offer debt advice. They can also help you with budgeting, reducing outgoings, checking if you qualify for any benefits and more. It’s free and won’t affect your credit score, so why not?

    We're on a mission to help everyone move their finances forward and gain financial momentum.


    TotallyMoney is an independent credit broker, not a lender. Our comparison service works with most leading lenders, covering the majority of the market. Though we may be paid a fee by lenders or brokers this never influences how our products are ranked.

    We don't provide financial advice. Product information is obtained from independent sources and rates displayed may vary depending on your personal circumstances. While we make every effort to ensure that information is up to date, you should always confirm the terms of the offer with the product provider.

    TotallyMoney is owned and operated by TotallyMoney Limited which is registered in England and Wales (Company Registration Number 06205695). TotallyMoney Limited is an Appointed Representative of TM Connect Limited, which is registered in England and Wales (Company Registration Number 06967012) and authorised and regulated by the Financial Conduct Authority in respect of consumer credit related activities (FCA FRN: 511936). Registered Office: 5th Floor, Halo, Counterslip, Bristol, BS1 6AJ. Credit is available, subject to status, only to UK residents aged 18 or over.