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.
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.
For urgent advice please call our expert housing advice helpline on 08000 495 495
or, for non-urgent enquiries please use our email advice service. An adviser will aim to reply to emails within five working days.
Energy saving
Government help with heating costs
Home energy saving improvements
Switch energy supplier and tariff
Energy payment problems
How to avoid gas and electricity disconnection
Energy costs in shared accommodation
Prepayment meters
Budgeting your money
Get organised with money
Ways of saving money
Ways to increase your income
Help for families with children
Support for homeowners after redundancy
In a crisis
Cash in a crisis
Budgeting loans
Find free or cheap furniture
Breathing space from your debts
Dealing with debt
Where to get help with debts
Credit union loans
Whose debt is it?
Priority and non-priority debts
Credit card debt
County Court Judgments (CCJs)
Consolidating debts
Bankruptcy
Alternatives to bankruptcy
Debt solutions
This easy-to-use Budget planner will help you get started to taking control of your money – and it only takes five minutes
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
You can use this calculator to see how much a loan will cost you or how quickly you can pay off your existing loans
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
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:
These links are included for a number of reasons, including:
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.
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.
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