Money Help, Without The Judgement

Money worries don’t pause for the holidays, and neither do we. We sit down with Matthew Sheeran from Money Wellness to explore how the debt landscape has shifted from credit cards to priority bills like rent, council tax and energy, and why buy now pay later has quietly become a mainstream risk for everyday essentials. Matthew shares what actually happens when you reach out for free money and debt advice, how his team blends online and phone support seven days a week, and why a friendly face in local hubs helps people take that first step without fear or judgement.

Across a candid conversation, we get practical about survival strategies that respect dignity and joy: simple budgeting that prevents over‑commitment, smarter shopping that spreads costs without spiralling, and small savings that add up when December strains the purse. We talk openly about the spike in help‑seeking every January, the quiet of December when families try to protect the moment, and the real‑world impact of delayed decisions. Matthew unpacks the difference between priority and non‑priority debts, the grants and write‑offs many households miss, and how early conversations often unlock solutions long before enforcement looms.

We also challenge the system: why essentials cost more, why Buy Now Pay Later (BNPL) defaults are too easy to click, and why regulation needs to catch up with how people actually live. Through it all, the message stays human and hopeful—help isn’t a verdict, it’s a map. If your outgoings are creeping ahead of your income, don’t wait for a crisis. Reach Money Wellness at moneywellness.com, explore our affordable food hubs, and take one small step today that makes next month easier. If this conversation helped, follow the show, leave a review, and share it with someone who needs a nudge toward support.