I wouldn't even know where to start to be honest

Parents, brother and aunties all get an honourable mention. It's clear that these discussions are often kept to the family and there's a lack of certainty about where else to turn for help. 46% of us will turn to financial websites but there's a fear of hidden agendas and not knowing the motivations behind the site. 

So, who can you talk to about money?

We tend to ask our parents and immediate family, in part because we're too ashamed to ask our friends and don't trust the professionals to look after us. Here are some ideas of where you can go for credible, expert help: 

• Financial advisers 
  Regulations have changed and most financial advisers today do not work on commission, will be very clear on what they charge and focus on the advice rather than product sales. But you will typically need to have in the region of £75,000 - £100,000 plus to become a client. Annual fees for advice will be in the range of 0.75% - 1% with investment costs on top. An hourly rate for advice will be about £150 - £225.  
  
  Try VouchedFor or Unbiased to see advisers in your area. 
  
  
• Money coaching
  A very new concept and it can be hard to find but this is lower cost help and non-regulated little 'a' advice. It won't give you specific product recommendations but will guide you through the decision making process and table all the issues. Look on Google or check out new firm Hatch. 
  
  
• Pension Advisory Service 
  This is a fantastic free service funded by the Government. Talk to someone very well-versed in the world of pensions on the phone. They won't give you personalised financial advice or recommend pension providers but they will help with all your technical queries and really be a good sounding board for those complex questions. 
  
  
• Investment Platforms
  Sometime you know you want to invest, but you can't compute how to pick funds from the thousands on offer. Many investment platforms have research analysts which will pick their favourite funds. Try Hargreaves Lansdown Wealth 150, AJ Bell Youinvest favourite funds, Bestinvest's fund shortlists or look at Morningstar UK. 

Holly's tip: " I speak to lots of people about money all the time and it strikes me that most of us tend to assume that everyone else is 'more sorted' than us. And that's not true. Don't be afraid to talk to good friends about money worries. They might not be able to fix it but a problem shared is a problem halved and all that. We've all got something about our finances which is bothering us so don't be too hard on yourself." 

Investor Pulse - what you told us