One name.
Separate services.

Specialist debt advice
Personal finance and financial wellbeing
Who it's for
Organisations that want independent advice for their tenants, students or staff
Individuals, and employers supporting their staff
Provided by
Money Saviour C.I.C., a not-for-profit Community Interest Company
Money Saviour Financial Solutions Ltd, a private company
How it's funded
Commissioned and paid for by the partner organisation. Free to the people referred.
Paid for by the individual or employer
How to access it
Through a commissioning organisation only
Enquire or book directly
Regulation
Authorised and regulated by the FCA (FRN 618806)
Guidance and education, not regulated by the FCA
Trusted by organisations since 2011
Cardiff MetPowys County CouncilTaff HousingTai HedynCodi
Specialist debt advice

Independent advice,
right where it's needed.

We give your tenants, students or staff access to an independent, regulated specialist, in house. Specialist advice, delivered directly through your organisation.

Money Saviour C.I.C. is a Community Interest Company: an ethical company with a social purpose, designed to provide accessible, independent, best advice for people seeking solutions. It is authorised and regulated by the Financial Conduct Authority (FRN 618806).

Social enterprise by design. We've designed and delivered services with our partners since 2011, and we value the trusted, long-standing relationships we've built.

Online via Teams, by phone or in person. Fixed fee, per case or referral-block contracts.

  1. You referYour staff refer tenants, students or employees through an agreed route.
  2. We adviseFull, impartial specialist debt advice and casework, including Breathing Space, Debt Relief Orders and Debt Management Plans. Full benefits casework too, including claims, appeals and tribunal representation.
  3. We work with your teamsWrap-around support alongside your housing, student or HR teams.
  4. You see the resultsRegular reports on cases, financial gains, outcomes and equality monitoring.
Why it matters

Good for people.
Good for business.

Independent specialist advice pays off for everyone involved, not just the person with the debt.

Why contract it out?

Because impartial advice gets the best outcomes. Our advice is independent of your organisation, so it's based only on what's right for each person, not on your position as landlord, creditor or employer. You know your tenants, students or staff are getting the best possible outcome, and your organisation is protected too.

For the people you support

Specialist help, where they already are

No travelling, no waiting rooms, and one adviser from start to finish.

For your teams

An expert to refer to

Your staff can pass on complex money problems and get back to their own work.

For your organisation

Fewer crises, steadier income

Earlier advice means fewer arrears escalations and more sustained tenancies.

For your board and funders

Outcomes you can evidence

Regular reports on cases, financial gains, advice areas and equality monitoring.

Personal finance

Clarity, confidence
and a plan that works.

Personal finance is just that: personal. Money decisions aren't made in isolation. They're shaped by your life, your goals and your values.

It can be hard to talk about money, but support makes it easier. Personal finance coaching gives you the structure, guidance and accountability to take control.

Provided by Money Saviour Financial Solutions Ltd
A coach and client reviewing finances together at a computer
Knowing what to do is one thing. Making it work in real life is another.

Ongoing coaching and regular check-ins turn good intentions into habits that last.

A Money M.O.T. looks at
  1. What's coming in
  2. What's going out
  3. How your money is organised
  4. Gaps & opportunities
  5. What you want your money to do
One focused hour on one areaPower Hour
£99
A full health checkMoney M.O.T.
£199
Structure and accountability over timeOngoing coaching
£150 /session
3 months£400
6 months£750
12 months£1,350

Ongoing coaching blocks at a reduced rate.

Enquire about coachingPlease read our coaching terms of business before booking.
More about personal finance coaching →
Financial wellbeing · for employers

Money worries
come to work too.

Programmes, coaching, training and consultancy that help employees build confidence, reduce money stress and improve long-term resilience. No product sales, just practical, judgement-free support.

Laptop showing a Money Saviour Financial Wellbeing in the Workplace presentation

Delivered as in-person workshops, live webinars or online courses, self-paced or facilitated.

Provided by Money Saviour Financial Solutions Ltd

1:1 financial coaching

Confidential support for individual employees.

Workplace workshops

Group sessions on budgeting, saving and planning.

The Financial Reset

A six-week group coaching programme.

Manager and HR training

Helping leaders spot money stress and respond well.

Wellbeing strategy consultancy

Building financial wellbeing into your organisation.

Staff already in financial difficulty? Employers can also commission our independent debt advice service from Money Saviour C.I.C.

Talk to us about your team
Sorcha Kennedy, founder of Money Saviour
Who you'll work with

Qualified, accredited
and experienced.

Sorcha Kennedy founded Money Saviour C.I.C. in 2011. She is an Accredited Money Adviser and a member of the Institute of Money Advisers, holds the Diploma for Financial Advisers (DipFA) and the Certificate in Money Advice Practice (CertMAP), and has over 25 years in debt advice, financial counselling and financial education.

"Well connected and well respected… a great example of innovation in the advice sector. Highly recommended."
Asim Ilyas, Bristol
Sorcha Kennedy receiving the Money Adviser of the Year award
Award winnerMoney Adviser of the YearInstitute of Money Advisers
AdviceUKInstitute of Money AdvisersWCVAPersonal Finance Society

Common
questions.

Is your debt advice service available to the public?

No. Specialist debt advice is a business-to-business service, commissioned by organisations for the people they support. We can't accept referrals from individuals. Free, confidential debt advice is available to the public from MoneyHelper (the Money and Pensions Service), Citizens Advice, StepChange and PayPlan.

Are your services regulated by the FCA?

Debt advice from Money Saviour C.I.C. is authorised and regulated by the Financial Conduct Authority (FRN 618806). Personal finance coaching and financial wellbeing from Money Saviour Financial Solutions Ltd are guidance and education. They aren't regulated by the FCA, aren't regulated financial advice and don't include debt advice.

How do organisations commission your debt advice service?

We work under contract on a fixed-fee basis, through fixed-term or flexible contracts, per case or in referral blocks. Get in touch and we'll discuss what would suit the people you support.

What's the difference between coaching and debt advice?

Debt advice helps people deal with debts and benefits, and is only available through organisations that commission it. Coaching is a paid service for anyone who wants help to organise, plan and build confidence with their money. It doesn't include debt advice.

Do you work across the UK?

Yes. Sessions take place online via Teams, by phone or in person, so we can work with organisations and individuals anywhere in the UK.

I'm an existing client. How do I contact you?

Please email your caseworker directly. This website isn't for client queries.

All FAQs →
Get in touch

Make an
enquiry.

Choose the option that fits and your email will open ready to send. We'll reply as soon as we can.

Already a client of Money Saviour C.I.C.? This website isn't for client queries. Please email your caseworker directly. Please don't send details of your finances or health by email to this address. See our privacy notice.