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Welcome to our Financial Wellbeing Hub
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.
WHERE TO GET DEBT ADVICE?
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:
Payment Support Team
If you need help with one of our loan products, speak to our payment support team on 0141 274 5409 or [email protected]
Step Change
No matter how large or small your debt problem is, Step Change can help. Advice can be provided online or over the phone.
National Debtline
National Debtline is a charity which provides free, impartial and confidential debt advice over the phone and online.
Money Advice Scotland
Money Advice Scotland is a charity which aims to help people in debt, support money advisers, and influence policy.
Debt Advice Foundation
Debt Advice Foundation is a registered national debt advice and education charity offering free, confidential support and advice.
Don’t Fret About Debt
Don’t Fret About Debt are experienced debt experts and offer free advice for those looking for debt support and guidance.
FINANCIAL HELP AND ADVICE
From pocket money to pensions, money has an impact on every stage of life. If you need help or guidance on a financial issue, the organisations listed below all offer free and impartial advice:
Citizens Advice Scotland
Offers free, one-to-one and impartial general advice on employment, housing, debt, benefits and consumer issues as well as many other topics.
Money Advice Service
The Money Advice Service was set up by the government to provide free and impartial money advice to help improve your finances.
Pension Wise
Pension Wise is a free and impartial government service that helps you understand the options for your pension pot.
Money Navigator Tool
Given the rise in cost of living, the Money Navigator Tool from the Money Advice Service is a useful tool to help you build an action plan based on your own situation to help you manage your finances.
Money Map from CAB Scotland
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.
Building Societies Association
The Building Societies Association and the Money Advice Trust have released a helpful booklet providing guidance on what to do if you can’t pay your mortgage, or think you may struggle to make mortgage payments in the coming months.
Bills Priority Tool
It can be difficult to manage all the different bills and payments in our lives. The consequences of not paying off some bills before others can be more serious. Money Helper’s Bill Priority Tool can help you sort your bills and payments in the right order and tell you what you need to do if you’re struggling to pay before you miss a payment.
Help for Households
With the rise in cost of goods, energy prices, and inflation, the cost-of-living crisis is affecting us all. The UK Government has introduced a Help for Households campaign for the people of the UK to find out what support is available to them such as support with energy bills, household costs, transport costs and more.
Cost-of-Living
The Scottish Government has introduced a new Cost-of-Living advice website to provide help to those struggling with the cost-of-living crisis. It provides useful information on the range of help available for households in Scotland. This includes help with rising energy costs, mortgage payments, and support available for those who are disabled.
Money Midlife MOT
Money Helper’s Money Midlife MOT tool can help you assess your current financial situation and plan for the future. It will create you a personalised report and provide guidance on what to prioritise and how to improve your financial wellbeing from midlife to retirement.
BUDGETING
Plan your budget here
This free budget planner is an excellent tool to help you take control of your money.
Take control of your money
Find out how Glasgow Credit Union can help you with your finances.
Top tips to help you budget
We’ve compiled our handy step by step guide to keep your finances on track.
SAVINGS
Top tips for when the temperature drops
Winter can be an expensive time of year. We’ve compiled our handy guide on ways to save during the winter months.
Keep a cool budget
From free activities around the city to saving on your next barbeque – check out our hot savings tips to help keep your budget cool.
Help the environment and your pocket
Little changes to your everyday routines can make a big difference. We’ve put together some handy tips to help reduce your environmental impact.
Holiday savings tips
We’ve pulled together our top tips on ways to save money on your next holiday… whenever that may be!
BORROWING
How to improve your credit rating
Credit ratings can have a big impact on our lives. Our guide explains how credit ratings work and explains ways in which you can improve it.
Check this out before buying a car
If you’re thinking of buying a new car make sure you check out our top five tips for getting the right car for your needs.
The pros and cons of new vs used
Undecided on whether to buy a new or used car? We’ve pulled together a list of the benefits and draw backs of each to help you decide.
MORTGAGES
Owning a home
Whether you’re buying your first home, moving to a more suitable place, or simply looking for a new mortgage deal, it’s important to consider all the financial matters that can affect your choices.
Where to start
Whether you live alone in a one bedroom flat, or with your growing family in a 4 bedroom new-build house, there are always ways of adding value to your property.
Everything a first time buyer should know
It’s the biggest purchase most of us will ever make so understanding the ins and outs of the first time buyer market is essential. Check out our top tips in our handy guide.
Mortgage jargon buster
Our mortgage jargon buster is a helpful A to Z of mortgage terms to help you get to grips with the jargon of buying and selling.
HANDY GUIDES
Stay safe during winter
Check out our four top tips on making sure your car is prepared for cold weather.
Protecting yourself online
Keep your data secure with our handy tips for protecting yourself online.
Seasonal plan for your money
Give your finances an overhaul with the help of our seasonal guide.
Reduce your fuel costs
We’ve put together our five top tips on how to help increase your fuel efficiency and save you money.
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