We’ve created our Financial Wellbeing Hub to help you on your path to financial wellness. The hub is free for everyone to use and aims to provide all the guidance and tools required to help improve or maintain your financial wellbeing. Having a firm grip of your finances can also have a positive impact on your health, mental wellbeing and relationships.
Our hub includes articles and guides covering everything from budgeting to getting onto the property ladder. Further down the page, we’ve also included some of the best resources from the internet which give free impartial advice on money matters.
Plan your budget here
This free Budget Planner from the Money Advice Service is an excellent tool to help you take control of your money. It only takes a few minutes to complete and will help you to analyse your spending.
Citizens Advice Scotland have created the Money Map in response to the economic impact of COVID-19. Money Map will help you find sources of online support to increase your income, reduce your bills and ease the costs of daily living.
If you find yourself struggling with debt, it’s important to remember that no debt problems are unsolvable and that there is always free support and advice available to help you take control of your finances. Below we’ve listed some of the most useful public resources:
No matter how large or small your debt problem is, Step Change can help. Advice can be provided online or over the phone giving you a clear picture of how to deal with your debts.
Please check first that you are eligible to apply:
You are aged 18 or over
You have a UK bank account in your own or joint names
You are a permanent UK resident
You have never been bankrupt or had a Court Decree
To complete your application you will need:
Your current employer's address details
Details of monthly income and outgoings
Bank or building society details (sort code and account number)
To enable us to make a decision on your loan application we will contact Credit Referencing & Fraud Prevention Agencies. This will register a search against your credit record and if your application is successful we will share the information we hold for you with these agencies. Further details are available in our Privacy Notice
It is important that you read the Privacy Notice document above. If there is anything that you do not understand, please contact us.
Please be aware that the longer you take to pay back a loan, the more you will pay back in interest. If you go for a shorter term your monthly repayment might go up, but you'll save in interest and pay back your loan faster.