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.
Help to budget
Get help to manage your money with 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.
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.
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.
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.
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
You could transfer £1,260 of your Personal Allowance to your husband, wife or civil partner to reduce their tax.