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Where can I get emergency help with money and food?

Find out where to get urgent free help and support if you’ve run out of money, are struggling, or need to pay an unexpected cost.

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Bill prioritiser: get help with your bills

Managing bills and payments can feel overwhelming, but we’re here to help.

Our Bill prioritiser can show you which bills to tackle first. The consequences...

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Dealing with the debts of someone who has died

When someone dies and leaves debts, what happens to these debts depends on a number of things. This guide will help you find out which debts need to be repaid...

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Best way to pay off debt in Scotland

If you’re struggling to make repayments, a free debt adviser can help you find the best way to clear your debts. Find out the options available to you if you...

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Help managing your money if you receive benefits

We’ve ways to help manage your money if you claim benefits, including how to get cheaper bills and boost your income. Plus, help if you're struggling and need...

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Help managing your money while waiting for your first Universal Credit payment

You’ll usually receive your first Universal Credit payment around five weeks after you apply. After that, payments are made monthly, or twice a month in Scotland...

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Using credit wisely

Credit can be a useful tool to help you spread costs. But if you find you’re not meeting loan or credit card repayments or are using credit to pay for essential...

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What are Budgeting Advances and Budgeting Loans?

If you need to borrow money for essential costs and get certain benefits, you could apply for an interest-free Budgeting Advance or Budgeting Loan from the government. ...

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Tackling problem gambling and debt

If gambling has affected you financially, it can be hard to talk about. But you’re not alone. There’s help and support out there for you.