As functioning adults, we all have to deal with finances. But the problem is that while money management and financial situations are extremely important and can influence your entire life, we rarely find support. Sometimes, we all just need some advice on how to proceed. Perhaps you're up to your ears in debt and don't know how to get out of it, or you are unsure about what kind of loan you should get, if they're going to scam you, or maybe you just need some tips on how to save effectively. Thankfully, advice is freely available online, so here are the top money advice sites in 2018.
1. The Money Advice Service
The Money Advice Service is one of the most valuable resources available online, because it's an extremely comprehensive website with a wide range of information and advice covering topics from debt to loans to mortgages to divorce and countless others. It's a free resource and service set up and funded by the government with the purpose of coming to the aid of the growing number of people who are in debt in the UK, or who otherwise struggle with finance-related matters.
Basically, if you have questions regarding money management, you can just head over to the website and find a clear and well-structured resource that makes it easy to find exactly what you need. In addition, you can also use the tools that are made available on the site, such as calculators, budget planners, etc. And of course, there is also a team at your disposal if you have any questions and need advice, so you can call or make use of the web chat tool provided.
2. Money Saving Expert
Money Saving Expert is a complex resource that walks you through issues related to cards, loans, utilities, banking, savings, insurance, mortgages, travel, shopping, income, as well as any available vouchers or deals that you may be able to use to save your pennies. As the name suggests, the aim of the website is to help you save money in your every day life, which is why it covers so many topics related to finances in every aspect of your life. Savings can be achieved anywhere, if you put your mind to it and make an effort to live smartly.
3. Citizens Advice
Citizens Advice is a free resource that aims to offer money advice to UK citizens. Like many other sites on this list, it includes information and valuable knowledge on numerous aspects of your financial existence, so whether you're struggling with debt, housing, law, work, or even immigration, this can be a good place for you to seek assistance. Especially if you suspect you have been victim of a loan scam or that a loan you are looking to get is a scam, Citizens Advice can offer counselling for both the financial and legal aspects of that situation.
4. Money Advice Trust
The Money Advice Trust is all about helping people - and businesses - manage debt and finances. The service is free of charge and it can be invaluable when you are sinking further and further into debt and you feel like you've got no way out. The organisation is here to give you hope and information in order to empower you to overcome your money problems and regain your financial stability. You can benefit from the information provided on the website or call them up and have a chat to receive one-on-one advice.
5. Step Change
Free debt advice is also available from Step Change. An organisation that offers useful advice for those who find themselves in a financial pickle, Step Change is there for your debt management needs. It's important to be able to acknowledge and address the fact that you are in trouble with your finances and have the resource at your fingertips when you're ready to reach out.
6. National Debtline
If your debt is getting out of control, you're afraid you're going to fall into it, or you are simply having some issues managing it, then National Debtline is the place for you. They offer comprehensive debt advice, practical guides like budgeting, planning, how to get debt relief, how to file for bankruptcy, etc. and they are there for you when you need help.
All in all, there are plenty of resources available online if you need money advice. Whatever your needs are, you are covered!