There are lots of free financial resources available to support you.
Money worries can affect anyone. You might be struggling with debt, wondering whether you are receiving the right benefits, trying to understand your pension, or simply looking for ways to manage your money more confidently.
The good news is you don’t always have to pay to take the first step. Several trusted organisations offer free information, guidance, and practical tools to people across the UK.
At She Can Prosper, our mission is to help women of all ages and backgrounds become more informed, confident and involved in their financial futures. We have brought together free services that can help you understand your position and decide what to do next.
Start with She Can Prosper
She Can Prosper CIC provides accessible financial education designed to help women increase their knowledge and confidence around money.
Free online money-management workshops
Our free online workshops cover practical financial topics in an approachable, supportive environment. They provide an opportunity to learn, reflect on your own situation and ask questions without feeling judged or overwhelmed.
Subjects may include budgeting, saving, pensions, financial protection, planning for the future and developing a more positive relationship with money.
Visit our events page or follow us on social media for details on upcoming workshops.
The She Can Prosper blog – a great free financial resource
Our website contains a growing library of free articles covering subjects such as:
- Budgeting and spending habits
- Building financial stability
- Pensions and retirement planning
- Money and relationships
- Financial boundaries
- Debt and financial anxiety
- Protecting yourself financially
- Money mindset
- Business finances
- Planning for different stages of life
You can explore these articles at the She Can Prosper blog.
Check how financially fit you are
Sometimes, the hardest part is knowing where to begin. The “How Financially Fit Are You?” resource on our website can help you start thinking about different areas of your finances and identify where you may need to take action.
This is not about judging your financial position. It is about increasing your awareness and helping you recognise your next priority.
MoneyHelper
MoneyHelper is a great free financial resource and provides free and impartial, government-backed guidance about money and pensions.
Its website includes information, calculators and planning tools covering:
- Budgeting and saving
- Benefits
- Borrowing and credit
- Debt
- Buying and renting a home
- Insurance
- Pensions and retirement
- Redundancy and changes in income
- Separation, divorce and bereavement
Support is available online, by phone, and through webchat services. MoneyHelper can also help you find free, confidential debt advice in your area.
Pension Wise
If you are aged 50 or over and have a UK defined contribution pension, you may be eligible for a free Pension Wise appointment.
The service can explain:
- The different ways you may be able to access your pension
- How each option could affect your retirement income
- The potential tax implications
- Questions to ask a regulated financial adviser
- How to recognise and avoid pension scams
Pension Wise offers guidance, not personalised financial advice, but it can help you understand your options before making important decisions.
Citizens Advice
Citizens Advice provides free, confidential and impartial assistance with a wide range of financial and practical problems.
Depending on your circumstances, its advisers may be able to help with:
- Benefits and Universal Credit
- Debt and budgeting
- Problems with bills or creditors
- Housing and the risk of eviction
- Employment rights
- Consumer problems
- Family or relationship changes
- Legal and immigration matters
If you have received court papers, are facing eviction or are expecting bailiffs, seek help as soon as possible rather than waiting for the situation to escalate.
StepChange Debt Charity
If you are struggling with debt, StepChange provides free and confidential debt advice online and by telephone.
Its advisers can review your income, household expenses and debts before helping you understand the solutions that may be available. If appropriate, this could include a debt-management plan or information about formal debt solutions.
Be cautious of businesses that charge for services you may be able to receive free from a recognised debt charity. Never feel pressured into agreeing to a solution before you understand its costs, risks and long-term consequences.
Turn2us
Many people do not realise that they may qualify for financial assistance.
Turn2us offers several useful free resources, including:
- A Benefits Calculator
- A Grants Search
- A Personal Independence Payment helper
- Information about benefits and financial support
The Benefits Calculator can indicate what you are entitled to claim. At the same time, the Grants Search can help you identify charitable funds that offer assistance based on your circumstances, location, occupation or background.
Your bank or building society
If you are struggling to make loan, mortgage, overdraft or credit-card payments, contact your provider as early as possible.
Many banks and building societies have specialist teams for customers experiencing financial difficulty or vulnerability. They may be able to discuss payment arrangements, review charges, or direct you to further support.
If you are experiencing economic or financial abuse, ask whether your provider has a specialist vulnerability or financial-abuse team. Make contact from a safe device or account if someone else may be monitoring your activity.
Your employer
Your workplace may offer more support than you realise. Check whether you have access to:
- An employee assistance programme
- Financial-wellbeing workshops
- Confidential counselling
- Salary-sacrifice schemes
- Workplace pension guidance
- A hardship fund
- Flexible working or other support during a financial crisis
You do not necessarily have to disclose every detail of your situation to ask what assistance is available.
Taking the first step – using the free financial resource tools is a start!
Financial difficulties can create feelings of embarrassment, fear and isolation. However, asking for help is not a sign of failure. It is a positive step towards understanding your position and regaining a sense of control.
You do not have to tackle everything at once. Your first step could be:
- Completing a benefits check
- Making a list of your debts
- Reviewing your household spending
- Booking a Pension Wise appointment
- Reading one trusted financial guide.
- Attending a free She Can Prosper workshop.
- Speaking to a qualified adviser or debt charity
Free guidance can help you understand your options. Still, it is not always a replacement for personalised, regulated financial advice, particularly when making decisions about investments, pensions, tax or financial products. The most important thing is not to ignore your finances because they feel overwhelming. Reliable support is available, and one small action today could start a more secure and confident financial future.
To explore our free content and discover future workshops, visit She Can Prosper. We are a CIC so there are no upsells and our support is free of charge.
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