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Managing your money
If you are facing a financial problem or crisis one of the first things to consider is whether you are receiving all of the money to which you are entitled. Your income may come from a number of...
Loans
Loans are taken out by many people to help them manage the cost of major expenses for which it has been difficult to save. It is almost always cheaper to use your savings for large purchases rather...
Credit rating
If you apply for credit it is likely that a prospective lender will want to confirm that the risk of lending to you is acceptable. As part of the process of confirming the loan, lenders will usually...
Coping with a financial crisis
A financial crisis is a situation where action is needed to prevent undesirable consequences. The most common financial crises will arise from a build-up of arrears of rent, mortgage, council tax or...
When you are out of work
Universal Credit is a payment to help with your living costs. It’s paid monthly – or twice a month for some people in Scotland. You may be able to get it if you’re on a low income or out of...
When you are in work
Benefit entitlement is not restricted to people who are unemployed or who are too sick to work. There are circumstances where people who are in employment can claim financial benefits. The source of...