Talking Money
Also known as: Bristol Debt Advice Centre, B D a C, Bdac
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.
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.
Areas of Operation
Where this charity is registered to operate, as self-declared to the Charity Commission. These are regulatory classifications, not a list of active programmes, and don't necessarily indicate fundraising activity in each location.
Region
Financial Information
Financial Efficiency
Higher than 45% of UK Beneficiary group charities with income £100K to £1M (sample: 851). How is this calculated?
Higher than 100% of UK Beneficiary group charities with income £100K to £1M. How is this calculated?
Lower overhead than 76% of UK Beneficiary group charities with income £100K to £1M. (Lower overhead is generally read as more efficient.) How is this calculated?
Latest Financial Breakdown
Income Sources
Expenditure Categories
Financial Trend
Annual Returns
As filed with the Charity Commission for England and Wales. Most recent filing covers the financial year ending 2025.
| 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 |
Staff column shows: Employees / Volunteers
Frequently asked questions about Talking Money
What does Talking Money do?
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.
How much income did Talking Money report in 2025?
Talking Money reported total income of £620k and reported expenditure of £549k for the financial year ending 2025, based on the most recent annual return filed with the Charity Commission.
How efficient is Talking Money?
Talking Money has a program ratio of 88.5%, meaning that share of its income goes directly to charitable activities. This is higher than 45% of UK Beneficiary group charities with income £100K to £1M (sample of 851 charities). See our methodology for how this is calculated.
When was Talking Money registered as a charity?
Talking Money was registered with the Charity Commission for England and Wales on 20 February 1990 as charity number 900311. It has been registered for 36 years.
Who runs Talking Money?
Talking Money is governed by a board of 9 trustees. Trustees are legally responsible for the charity's governance and are listed in full on its profile.
Where does Talking Money operate?
Talking Money operates in England, as recorded in its Charity Commission filing.
Is Talking Money a registered charity?
Yes — Talking Money is a registered charity in England and Wales, charity number 900311.
Details
1 Hide Market
West Street
St. Philips
BRISTOL
BS2 0BH
Registry Information
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Major UK charities in the same primary sector, drawn from the curated priority cohort.
Trustees
Sectors & Classifications
Also Known As
- Bristol Debt Advice Centre
- B D a C
- Bdac
Data & trust
- Register data refreshed
- 30 July 2026
- Methodology
- How metrics are calculated