Talking Money

Analysis

Talking Money is a registered charity in England and Wales, based in Bristol. It was registered in February 1990, 36 years ago. Its declared purposes cover education/training, the prevention or relief of poverty and economic/community development/employment, which this site groups under poverty relief. Legally it is a charitable company (Companies House number 02457362). It says it makes grants to individuals and provides advocacy/advice/information.

In the financial year ending March 2025, Talking Money reported income of £620k and spending of £549k, spending 88% of its income. Across the 5 years on record, from March 2021 to March 2025, income fell from £992k to £620k (-37%), an average of -11% a year. The sharpest change came in the year to March 2023, when income dropped by 35%. Over the whole period it spent 96% of the income it received.

Among 15,276 England and Wales charities whose main cause is poverty relief and that reported income, Talking Money sits at the 89th percentile: it is larger than about 89% of them. Against every charity in England and Wales with reported income it ranks in the 91st percentile. Charities of a similar size with the same main cause include YMCA Scarborough (£620k), Lifespring (£620k) and Prospex (£620k).

In its latest detailed accounts, income came from charitable activities 87%, donations and legacies 4.4% and investments 1.5%. Charitable activities took 100% of spending and raising funds 0.0%. Reserves of £247k would cover about 5 months of spending at that rate. It employed 13 people.