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Money adviser Debt counsellor

Money advisers help people whose debts have become too large or difficult for them to handle.

Salary, a pound sign Salary: £18,000 to £28,000 average per year
Hours, a clock face Hours: 40 per week

1. Entry requirements

There are no set requirements, but you should have a reasonable standard of English and maths.

The most common way into this career is to volunteer in an advice centre. You’ll often start with giving general advice, then train in money advice once you have more experience.

You’ll usually need at least a year’s experience as a volunteer before you can apply for paid work as a money adviser.

You could also move into this role if you have experience in:

  • consumer advice
  • welfare rights
  • debt recovery for a bank, council, utility company or similar organisation
It may help if you can speak a minority community language.

2. Skills required

You’ll need:

  • the ability to put people at ease and build trust
  • good negotiation skills to deal with creditors and courts
  • confidence with numbers

3. What you'll do

Your day-to-day duties may include:

  • talking to clients about their money problems
  • helping clients feel at ease
  • looking at income and outgoings
  • carrying out a benefits check and supporting benefit claims
  • working out a sensible budget
  • helping put debts in order of importance
  • talking with creditors to sort out a practical repayment plan
  • gaining the client’s agreement to any repayment plan
  • talking about other options like bankruptcy and what happens in court
  • taking the place of clients in court when asked to do so
  • keeping records

4. Salary

Starter: £18,000 to £20,000

Experienced: £21,000 to £25,000

Highly Experienced: £28,000

These figures are a guide.

5. Working hours, patterns and environment

You’ll usually work standard office hours, Monday to Friday, although some jobs may involve evening or Saturday sessions. Part-time work may be available.

You could spend your day speaking to clients in an advice centre or office, or visiting outreach centres or clients’ homes to give advice. You may occasionally need to attend court.

6. Career path and progression

With experience you could become a specialist caseworker, or be promoted to a team leader or management post.

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Last updated: 08 December 2016