Get help with your finances
If you’re struggling with debt, we don’t want you to suffer in silence.
Something as simple as a conversation, even with a stranger, can make a world of difference. But to build a secure financial future for yourself and improve your financial wellbeing, you need to know who to go to for help.
Turn to trusted sources
You aren’t alone. If you’re dealing with debt and need someone to turn to, there are trusted sources that can help. These include:
- The National Debtline – a UK charity offering free, confidential debt advice. They’ve helped thousands of people in a variety of situations to take control of their debts
- The Samaritans – available 24/7, providing listening support with no judgement or pressure
- Turn2Us – a charity supporting people struggling financially. Use their benefits calculator to see what support might be available to you
- The Breathing Space – provides temporary protection from creditors while you seek debt advice and make a plan
- MoneyHelper service – includes sections on ‘dealing with debt’ and broader financial guidance
- The Citizens Advice Bureau – independent advice for debt, benefits, and budgeting
- Money Saving Expert – tips and tools to manage money, reduce debt, and save effectively
Find an adviser
Whether you’re planning to take out a mortgage, need to manage a large debt, or are planning for retirement, a qualified financial adviser can help guide you through the process.
Not sure how to find the right adviser? MoneyHelper shares what to do when looking for a financial or retirement adviser.
For more information on the retirement options available to you as a Smart Pension member, just contact 0330 174 0643.
Get financial coaching
Financial coaching can help you plan for your future, manage debt, and build your long-term financial resilience.
If you’re a Smart Pension member, our partnership with Octopus Money coach means you get one-to-one financial planning support, which can help you feel comfortable with every area of financial wellbeing.
Final thought
Financial challenges can feel overwhelming, but help is available, whether for debt, planning, or major financial decisions.
Make the most of the support available to you and improve your financial wellbeing, one step at a time.
By signing in to your Smart Pension account, you can access useful tools to plan for your retirement, see all your pensions in one place and choose how to take your retirement.
Good to know
This information is for guidance purposes only and is not financial advice. If you need financial advice you can locate a regulated financial adviser on the MoneyHelper website. Where we provide links to third-party websites we are not responsible for their content, so it's important for you to carry out your own independent research.
