Debt advice - free, independent and confidential

My Money Steps is a free, independent and confidential online debt advice service from National Debtline. We will provide you with practical money advice you can follow step-by-step. The service can be used by anyone living in England, Wales or Scotland.

Once you have answered a series of simple questions about your finances, My Money Steps will give you a personalised action plan setting out practical steps to deal with your debts right now and help you manage your finances in the future.

With your My Money Steps account you can:

  • Get debt advice and money advice that won’t cost you a penny;
  • Find solutions to help with debts, so you can take control of your finances;

  • Complete a budget that gives you a personalised action plan to get back on track;
  • Deal with your debts including loans, credit cards and payday loans or household bills you’re finding hard to pay;
  • Get  online debt advice that’s available to you 24/7 at a time that suits you;

  • Handle a loss of income, or change in your circumstances; and
  • Ease worries and stress about how you will pay all of your bills.

You won’t pay a penny for our advice

My Money Steps is not a debt management company that charges fees. We’re run by a charity and offer debt advice at no cost to you.

Trust the specialists

My Money Steps has been developed by debt advice specialists at National Debtline and Business Debtline.  This means that the money advice you receive is accurate, trustworthy and completely confidential.

Count on ongoing support

My Money Steps offers continued support, including email reminders, to help you manage your debts. The money help we offer will give you more reassurance and confidence about managing your money. Since November 2010, we have helped many thousands of people just like you. Remember, it’s never too late to take the first step.

My Money Steps is authorised and regulated by the Financial Conduct Authority.