Your Money Toolkit 
Welcome to your Money Toolkit, packed with practical tools and resources to help you take control of your money and wellbeing.
From budgeting tips and savings calculators to support for rising costs and mental health advice, you’ll find everything you need to manage your money with confidence.
Explore guides, tools, and expert advice designed to make managing your financial journey easier.
Help build our community
The more people who know about The Money Co-op, the more we can help spread money positivity! Find out how you can help—whether it’s downloading posters to display in your workplace, sharing our website, or even becoming a Money Co-op ambassador.
Ready to get involved? Explore the ways you can help.
Benefits
Benefits calculator
You could be missing out on benefits without realising it. Every year, £23 billion goes unclaimed in the UK, often by working households. The average amount people miss out on is £465 per month. Use our Benefits Calculator to quickly check what support you’re entitled to. It’s free, easy, and covers everything from Universal Credit to energy bill support.
Savings challenges to help your money grow
Looking to boost your savings without feeling the pinch? Savings challenges are a great way to turn…
How to spread the cost of Christmas — without the ...
The run-up to Christmas can be exciting, but it can also be one of the most expensive…
UK Savings Week: how The Money Co-op is helping me...
22nd – 28th September is UK Savings Week – a national campaign encouraging people across the country…
How to put the ‘feel-good’ into your f...
Let’s be honest—money is one of the biggest causes of stress for most of us. Whether it’s…
Why we need to talk about debt: breaking the silen...
Feeling ashamed about debt is more common than you might think – but it shouldn’t stop anyone…
Money positivity and mental wellbeing
A healthy bank balance means more security and freedom to enjoy life. When money is tight, it…
Budget
Budget planner
Money Helper’s Budget Planner makes managing household spending easier.
Get a clear view of your financial situation, learn how to categorise your expenses and maximise your budget improve your budget.
Hundreds of thousands of people have already used the Budget Planner to take back control of their money and move in the right direction.
How to spread the cost of Christmas — without the ...
The run-up to Christmas can be exciting, but it can also be one of the most expensive…
How our Money Positive Cycle supports you
There are many reasons to love credit unions. Our ethical financial model process is a big one….
Back-to-school money-saving tips
As every parent knows, the cost of getting the kids kitted out for the new school year…
Members’ top tips: Make Christmas magical without ...
We recently asked our members to share their top tips for saving money over the festive season….
Practical tips to keep your budget on track in sum...
Summer can bring plenty of opportunities for fun, but it certainly comes with its financial challenges, too….
Practical tips to keep your budget on track in win...
Winter is the most challenging time of year for most of us when it comes to money,…
Savings
Savings calculator
Are you saving for a future holiday? A new TV or car? Or just to have a bit tucked away?
This calculator from Money Helper 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.
Savings challenges to help your money grow
Looking to boost your savings without feeling the pinch? Savings challenges are a great way to turn…
UK Savings Week: how The Money Co-op is helping me...
22nd – 28th September is UK Savings Week – a national campaign encouraging people across the country…
How our Money Positive Cycle supports you
There are many reasons to love credit unions. Our ethical financial model process is a big one….
Summer saving tips
Here’s how to make the most of your summer without breaking the bank! Summer is a time…
Back-to-school money-saving tips
As every parent knows, the cost of getting the kids kitted out for the new school year…
Members’ top tips: Make Christmas magical without ...
We recently asked our members to share their top tips for saving money over the festive season….
Help with rising cost of living
Cost of living help
With the rising cost of living, we understand many members are facing challenges with energy, food, and other expenses.
Help is available, and we’ve gathered useful information here.
If you’re worried about your account or repaying a loan, our team is here to support you. Please reach out, we’re always ready to help.
Why we need to talk about debt: breaking the silen...
Feeling ashamed about debt is more common than you might think – but it shouldn’t stop anyone…
Money, debt and mental health : a guest blog from ...
In Mental Health Awareness week, we had a chat to Vanessa Northam from Debt Charity, StepChange to…
Buy Now, Pay Later in the Spotlight
Buy Now, Pay Later (BNPL) services like Klarna, Clearpay, and PayPal Credit are becoming increasingly popular, offering…
Defaults and what you can do about them
Managing your finances can sometimes be challenging, and missing a payment can happen to anyone. But what…
Understanding your credit score – why it mat...
Your credit score is more than just a number; it’s a key part of your financial health….
Mental health support
Supporting your mental health
Mental health and money worries often go hand in hand, but support is available.
Whether you’re struggling yourself or supporting someone you care about, you can find helpful advice and resources from organisations like Mind, the Mental Health Foundation, and Samaritans.
Explore free guides, advice on managing debt, and mental health support services to take control of your wellbeing.
How to put the ‘feel-good’ into your f...
Let’s be honest—money is one of the biggest causes of stress for most of us. Whether it’s…
Money positivity and mental wellbeing
A healthy bank balance means more security and freedom to enjoy life. When money is tight, it…
How to feel Money Positive
How to feel money positive At The Money Co-op, we do good things with your money and…
What our rebrand means for you
Ready for some exciting news? We’ve rebranded! Say hello to The Money Co-op. A new name, a…
How our Money Positive Cycle supports you
There are many reasons to love credit unions. Our ethical financial model process is a big one….
Member Stories: Treasured holiday memories – thank...
We’re proud to support our members through all stages of life, and we love hearing your stories…
Read all about it
Our annual report gives you a clear picture of how we’re doing – from finances to the impact we’re making together.
Community hub
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Head to our socials this May to win £25
Each month we run a member prize draw on our socials to thank our members for being…
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Make your plans happen with our homeowner loan
There’s something about spring which gets us all thinking about plans for the year ahead. Whether it’s…
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Head to our socials this April to win £25
Each month we run a member prize draw on our socials to thank our members for being…
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Head to our socials this March to win £25
Each month we run a member prize draw on our socials to thank our members for being…