A Shrewsbury national charity worker is warning her debt advice company may have to ration the help it gives.
Heather Keates, who helped found Community Money Advice, said it may not be able to help everyone who needs it in the wake of the Spending Review.
She spoke as the Charities Commission warned the government's spending cuts could cost voluntary organisations billions of pounds.
Ms Keates said the charity's resources were going to be limited.
"We may find we are going to have to ration what help we can give which is a really hard thing to do when we know people are desperately needing our help and advice," she said.
The Cabinet Office has said it would help charities with funding shortfalls.