From 1st December 2022, renting has changed in Wales. Our website’s advice pages on renting are up to date with the new law.
Please bear with us while we update the rest of our advice pages.
 

Money advice

We’re working with MoneyHelper to help people with their money problems and housing issues.

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 on budgeting, benefits, energy saving tips and what to do in a crisis.

If you are under 25, check out our Money Matters or Emergency Help with Money pages in our young person’s portal.

If you are worried about debt, Shelter Cymru can provide you with free, independent, confidential, specialist debt advice. See our pages on debt, loans and bankruptcy or click here for details of how to contact a specialist debt adviser.

Worried about paying your rent?

If you are having problems paying your rent or are falling into rent arrears, take action as soon as possible to avoid losing your home. Check out our advice on arrears and dealing with debt.

The tools below are provided by MoneyHelper.

MoneyHelper

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

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

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 Shelter Cymru’s knowledge or agreement
  • the inclusion of a link to an external website from sheltercymru.org.uk is not 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 08000 495 495.

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.

Did you find this helpful?

This page was last updated on: June 16, 2023

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.