Overview All money and debt problems can be solved and there are lots of organisations that offer free help. Your local Citizens Advice can speak to you in person or over the phone about money, debt and benefits. Christians Against Poverty offers free debt advice and runs money courses in Essex. You can also get debt and money advice from: Turn2us StepChange National Debtline MoneyHelper Debt Support Trust Shelter Free money management courses Math skills A Multiply course can help boost your maths skills so you are more confident when: creating a household budget finding an energy supplier understanding and challenging bills comparing the price of food and other household goods deciding between bank accounts Find your nearest Multiply provider to help you manage your money. Financial coaching for parents The Financial Wellbeing Programme offers free 1:1 coaching sessions to help parents with money management. To be eligible you must: have a child under the age of 18 have £100 or more income per month after outgoings live in specific areas in Basildon, Braintree, Canvey Island or Harwich To find out more about eligibility and to apply, see the Essex Financial Wellbeing Coaching sign up form. Help with loan sharks Loan sharks are illegal moneylenders that often charge very high interest rates. Visit Stop Loan Sharks to report a loan shark anonymously or find out more.