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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. 

A person sits surrounded by bills.

Get free debt advice

The Scottish Government supports organisations to give free debt advice. Check where you can get advice by phone, online and face-to-face. 

Check where you can get free debt advice

Help with debt solutions

Debt solutions include bankruptcy, DAS and trust deed. You need to get advice from an approved money adviser first before you can apply.

Find out more about debt solutions

Help to budget

Get help to manage your money with the Citizens Advice Scotland budgeting tool.

Go to the Citizens Advice Scotland budgeting tool

If you cannot pay your council tax

Contact your local council as soon as possible if you've problems paying your council tax. They'll advise you on what to do next.

Get help if you cannot pay your council tax

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.

Check if you can get a Budgeting Loan

Affordable borrowing

You could borrow money from a community lender who may have lower interest rates, if you need a loan.

Find out more about community lenders

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.

Find out more about Help to Save

If you cannot pay your tax bill

Contact HM Revenue and Customs if you cannot pay your tax bill on time. You could get more time to pay or pay in instalments.

Get help if you cannot pay your tax bill

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.

Check how to claim Marriage Allowance

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