Managing your money is important

We’re working with the Money Advice Service to help people with their money problems and housing issues.

The Money Advice Service (MAS) helps people manage their money. They do this directly through their own free and impartial advice service. MAS also work in partnership with other organisations to help people make the most of their money. MAS are an independent service, set up by government.

Good money management can mean many things – from living within your means to saving for short and long-term goals, to having a realistic plan to pay off your debts. Use the tools below to manage your money better, set a budget, and get back on track with your money.

Click on the links on the right hand side to find lots more advice pages to help you with your money problems.

Find out how Universal Credit and other benefit changes might affect you.

Worried about paying your rent?

If you’re having trouble paying your rent, or you’re worried about paying your rent in the future, there are things you should do straight away.

This article & tools are provided by the Money Advice Service.


Budget planner

This easy-to-use Budget planner will help you get started to taking control of your money – and it only takes five minutes

Payday loan tool

We have recently released a payday loan tool which gives alternative options to a payday loan and some advice on sorting out your finances

Savings calculator

This calculator can help you understand how long it will take to save a specific amount, or how much you need to save to have enough by a particular date

Loan calculator

You can use this calculator to see how much a loan will cost you or how quickly you can pay off your existing loans

Credit card calculator

You can use this calculator to see how much a credit card will cost you or how quickly you can pay off your existing cards

Debt test tool

This tool helps to work out and determine your level of debt and see how you can get back on track with your finances

Pension calculator

This tool can give you an estimate of the income you’ll get when you retire. It is a useful tool after the recent pension changes

Links to external websites
Shelter Cymru select links that are editorially relevant to the content they are linking from and are suitable for the likely audience. However, Shelter Cymru is not responsible for the content of external websites. This is because:

  • Shelter Cymru does not produce them or maintain/update them.
  • Shelter Cymru cannot change them.
  • they can be changed without the Shelter Cymru’s knowledge or agreement.
  • The inclusion of a link to an external website from should not be understood to be an endorsement of that website or the site’s owners (or their services).

These links are included for a number of reasons, including:

  • for further relevant information or other key source material
  • for background information
  • for useful practical information
  • for specific advice services

We do not link to external sites in return for cash, services or any other consideration in kind. We will only link to websites that are free to access, but users may sometimes be asked to register or subscribe before viewing content.

We are sorry that we cannot provide this information in Welsh, however if you would like to speak to an adviser in Welsh please contact 0345 075 5005.

Shelter Cymru acknowledges the support of Shelter in allowing us to adapt their content. The information contained on this site is updated and maintained by Shelter Cymru and only gives general guidance on the law in Wales. It should not be regarded or relied upon as a complete or authoritative statement of the law.