Debt and money
If you're worried about money or how to deal with debt, you're not alone. Anyone can find themselves overwhelmed by financial worries, but there's support and advice available to help you.
Get help with debt
Scottish Government supports different organisations who can give you free debt advice and information.
Budgeting Loan
If you get certain benefits you could get an interest-free loan to pay for things like a washing machine, advance rent or moving house.
Affordable borrowing
You could borrow money from a community lender who may have lower interest rates, if you need a loan.
Help to save
If you get Working Tax Credit or Universal Credit, a Help to Save account could earn you a 50p bonus for every £1 you save.
Money Talk Team
If you’re struggling to make your money last, are worried about your bills or need help managing debt, the Money Talk Team Service can help. You can:
Go to the Money Talk Team website
Phone: 0800 028 1456.
Set up a meeting at your local Citizen Advice Scotland bureaux
Marriage Allowance
You could transfer £1,260 of your Personal Allowance to your husband, wife or civil partner to reduce their tax.