Nobody likes talking about money. But if you find things slipping out of control – maybe you’re struggling to manage your bills each month or need help with budgeting – speaking to someone who understands and can advise you how to get back on a secure footing can lift a huge weight from your shoulders.
Here, you can find the way to respected and impartial sources of financial help and information in your local area, as well as to trusted support organisations you can speak to in confidence who can give you up-to-date, accurate and comprehensive advice tailored to you.
Find out what help is available in your area here by using our interactive map or the following organisations will provide a first step in obtaining the advice you need.
They are an independent charity dedicated to overcoming problem debt, and provide free and impartial help to people all over Scotland.
Last year they helped over 13,000 Scots choose the best debt solution for their individual debt problem.
The StepChange Debt Charity Helpline is 0800 138 1111. It’s free, and open from 8am to 8pm Monday to Friday, and 8am to 4pm on Saturday.
Free and anonymous advice is also available online, with StepChange Debt Remedy, and takes just 20 minutes.
Citizens Advice Direct deal with over 400,000 Scottish citizens every year by phone, email, online and social media. Their service is Scotland wide, and they are named as one of the main national providers of telephone advice across Scotland in The Improvement Service’s ‘Money advice services across Scotland’s local authorities’ report.
They are a member organisation of Citizens Advice Scotland but are funded by the Scottish Government with a national rather than a local remit.
All calls to their lines are free from mobiles and landlines, and they are open from 9.00am to 8.00pm Monday to Friday, and between 10.00am and 2.00pm on Saturdays.
Citizens Advice Scotland has 61 bureaux countrywide and together with their consumer helpline forms Scotland’s largest independent advice network. Citizen advice bureaux help hundreds of thousands of people deal with a range of issues, including money, benefits, housing, and legal. They provide free, confidential and impartial advice to everybody regardless of age, disability, gender, race, religion and belief and sexual orientation. Citizens advice bureaux offer a comprehensive range of options for dealing with money problems and holistic advice on any other issues that a person might be facing.
National Debtline provides free, confidential and independent advice for people with debt problems in Scotland, England and Wales. They give expert help via phone, email and in writing or can send you a free information pack. The National Debtline website includes a fully interactive online advice tool called “My Money Steps” which is available for use 24/7.
Christians Against Poverty (CAP) has 20 Debt Centres set up in local communities all across Scotland. They also run free money management courses that teach basic budgeting skills and how to prevent debt.
Throughout the UK, CAP have been recognised for helping over 27,500 people a year to find a way out of debt through their renown services. Over 10,000 people a year also benefited from attending a free CAP Money Course.
However bad your debts are, there is hope. CAP's professional and friendly approach means they can visit you in your own home and give you a solution that will see you out of debt. They will negotiate with your creditors, set up a budget and then support you to either repay your debt through a debt management plan or help you apply for DAS, Sequestration or Trust Deed.
For help with your debts, or to attend a free money management course, just enter your postcode on their website to see what CAP services are available in your area.
The Money Advice Service is an independent organisation, set up by the UK government. They provide free, independent and unbiased money advice to build on people’s knowledge and understanding of money matters and to improve people’s ability to manage their money well. Their free and impartial money advice is available online, over the phone (0300 500 5000) and by web-chat, in printed guides, and face-to-face through a UK-wide network of Money Advisers. They have over 500 resources including articles and interactive tools such as the Budget planner and Cut back calculator for you to use. Subjects range from everyday budgeting to savings, buying a car, insurance, pensions, mortgages and investments. They also work with partners to make debt advice easier and quicker to access and to improve standards and quality across the sector. They are a major funder of free face-to-face debt advice across the UK.