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Income & Budgeting

How to budget, make your money go further and cut costs.

How to budget, make your money go further and cut costs.

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National minimum wage

A guide to national minimum wage rates, the most common reasons for being underpaid and what you should do if you think you've been underpaid.

person with bills and laptop

Working tax credits

Find out if you can get working tax credit, how much you’ll get and how it’s being replaced by universal credit.

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What benefits can you get when you lose your job?

A guide covering the various factors that affect what benefits you can get when you lose your job.

writing on notepad

How to create a budget

Whether you’re struggling to cover your bills each month, or just want to save a little extra cash, building a strong budget & following it can benefit everyone

Stressed woman looking at bills

What to do if you’ve got a negative budget

What to do if the money you have coming in doesn't cover your essential household bills.

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Use our budgeting tool

A budget planner brought to you by Money Wellness.

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April 2025: Household Bills Calculator

Quickly estimate how much your bills might go up this April.

Money Wellness blogs

13 Feb 2026

Free or nearly free things to do this half-term

Keep your brood entertained this half-term for less.

Image filled with lots of different tablets. 6 secret hacks that could cut your prescription . Find out how to save on over the counter medication and prescriptions bills by 70%

13 Feb 2026

6 secret hacks that could cut your prescription bills by 70%

Find out how to save on over the counter medication and prescriptions

Households turning to illegal lenders to cover living costs

13 Feb 2026

Households turning to illegal lenders to cover living costs

Loan sharks aren’t the answer if you’re struggling.

Staying in is the new going out this Valentine’s Day

13 Feb 2026

Staying in is the new going out this Valentine’s Day

Couples spending Valentine’s Day at home to save money.

13 Feb 2026

50 ways to keep the cost of a staycation down

Save on accommodation, travel, attractions and more.

How tight is your budget after paying for the basics?

13 Feb 2026

How tight is your budget after paying for the basics?

Cost-of-living crisis pushing households to the limit.

Average Customer Rating:

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Trusted Customer - 16 Feb 2026

They are going to do a very good job for me.

Senaka - 16 Feb 2026

Excellent service from start to finish

Excellent service from start to finish and I can’t believe it’s free of charge. Every day I am grateful for the help and advice I received from everyone at money wellness, I am such a better financial position because of them. They helped me explore options I didn’t even know where available to me.

Jade - 16 Feb 2026

So simple to setup

From start to finish it was very easy from initial consultation to filling out the forms, i thought i had all my debts named but was told there were several more that would be included in the DRO.

KEVIN - 16 Feb 2026

Trusted Customer - 16 Feb 2026

Very helpful and very professional.

I thought that your advisor was really helpful and very professional. Also all the advice I was given was very helpful, thank you so much. Have a lovely day, thanks again.

Trusted Customer - 16 Feb 2026

Lovely to talk to the woman and she was kind and patient and understanding

Celina - 15 Feb 2026

Great service & well worth doing if your in copious amount of debt.

Trusted Customer - 15 Feb 2026

MW at money wellness was a very good advisor & very helpful . My DRO was all accepted within a few days.

Trusted Customer - 15 Feb 2026

Lovely support Clear advise

Trusted Customer - 15 Feb 2026

The person I spoke to was very helpful

Trusted Customer - 15 Feb 2026

Friendly straight forward and happy to help

I couldn't give them higher praise sorted everything out even referred me to other services that could help out with other things and the customer service is really good if your unsure on anything these guys will help you with it whatever it is

Michael - 15 Feb 2026

Nicky - 14 Feb 2026

Great customer service, and the staff give excellent advice 👌

Trusted Customer - 14 Feb 2026

Care and efficiency

Christopher - 14 Feb 2026

i what’s totally astounded by the help and the kindness I received from all the staff I never imagine the outcome would’ve been such a brilliant outcome for myself and I’m totally and utterly grateful for everything that was done on my behalf thank you so much

lorraine - 13 Feb 2026