If you’re finding your finances more of a challenge than they used to be, you’re not alone. Thankfully, there are organisations across the UK offering practical advice, support, and tools that can make a real difference. Whether you’re looking for help with budgeting, pension advice, benefit eligibility, or just someone to talk to, these resources are a good place to begin. 

Age UK 
Age UK offers a wide range of financial advice for older adults, including help with claiming benefits, understanding pensions, and managing bills. Local branches can offer face-to-face support as well. 

Independent Age 
Known for their clear, friendly advice, Independent Age provides free guides on topics like money, housing, and care. You can order printed copies or read them online. 

Turn2us 
This national charity helps people access welfare benefits and charitable grants. Their online Benefits Calculator and Grants Search tool are especially useful if you’re not sure what support might be available. 

Citizens Advice 
Offers guidance on debt, benefits, housing and legal matters. You can speak to someone in person, over the phone, or via webchat. 

MoneyHelper 
Run by the Money and Pensions Service, this government-backed service offers impartial advice on everything from budgeting to pensions and managing debt. Their online tools are free and easy to use. 

Pension Wise (via MoneyHelper) 
If you’re aged 50 or over and have a defined contribution pension, you can book a free appointment to discuss your retirement options.  

National Energy Action 
If energy bills are causing worry, NEA can offer advice on how to reduce costs, access government help, and improve the energy efficiency of your home. 

Winter Fuel Payment 
You may be eligible for seasonal help with your heating bills. 
Check eligibility and apply via: 
www.gov.uk/winter-fuel-payment  

It’s not always easy to ask for help, especially when you’ve spent a lifetime managing. But these organisations exist for a reason. They’re there to make sure no one has to navigate later life feeling financially lost or alone.