talking money

The charity supports the general public. Talking Money is a registered charity whose purpose is education and training. It delivers its work by making grants to individuals. The charity is based in Bristol and operates in England.

This page summarises publicly available information about the charity, including its activities, beneficiaries, and registration details, based on official records.

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Activities & Mission

Provide free, independent, specialist debt advice to individuals and their families. Provide energy debt and efficiency advice, benefits and income maximisation advice.Provide money mentoring support via our self-help service, appointments and group workshops.Services can be delivered face-to-face for people living in Bristol and the surrounding area, and by phone or email across England.

Fundraising

See where Talking Money is active and find local fundraising opportunities.

Region

England

Financial Information

Latest Income

£620,069

Latest Expenditure

£548,646

Financial Efficiency

Program Ratio 88.5%

% of income going directly to charitable activities

Overall Efficiency 100.0%

% of expenditure going to programs (vs overhead)

Administrative Ratio 0.5%

Overhead (fundraising + governance) as % of total expenditure

Latest Financial Breakdown

Income Sources

Donations & Legacies £27,230

Charitable Activities £536,365

Other Trading £0

Investments £9,152

Other Income £47,322

Expenditure Categories

Charitable Expenditure £548,646

Raising Funds £0

Governance £2,514

Grants to Institutions £0

Other Expenditure £0

Financial Trend

Annual Returns

Financial Year	Income	Expenditure	Charitable Spending	Net Assets	Reserves	Staff
2025	£620,069	£548,646	£548,646	£454,553	£246,562	13 / 0
2024	£543,454	£500,724	£500,724	£383,130	£136,440	13 / 0
2023	£525,807	£521,590	£521,590	£340,400	£139,831	16 / 0
2022	£810,682	£799,328	£799,328	£336,183	£147,485	24 / 0
2021	£991,711	£994,536	£994,536	£334,051	£85,490	25 / 1