Debt / Money

I’m Currently receiving Universal Credit and Jobseeker’s Allowance but I’m still struggling with my bills and the cost of living. Are there any other benefits I could apply for?

Universal Credit, Jobseekers Allowance and State Pension benefits are available to eligible citizens across the UK. If you are currently receiving any of these but find you are still struggling with the cost of living, there are benefits exclusively available to Scottish residents which you may be entitled to. Who manages these benefits? Social Security […]

I’m Currently receiving Universal Credit and Jobseeker’s Allowance but I’m still struggling with my bills and the cost of living. Are there any other benefits I could apply for? Read More »

I Am Having Personal Financial Worries, and Due to My Job, Am Concerned About Entering a Formal Debt Solution, as It Could Potentially Lead To My Dismissal. Can You Help?

Debt / Money, Uncategorized / Jordan W

Formal debt solutions such as bankruptcy and Trust Deeds can have an impact on some professions, specifically in the financial, legal, and licensed trades. If you are in debt and struggling, and your job stipulates that you must declare these issues, you may have to make your employer aware of your situation. Debt Solutions In

I Am Having Personal Financial Worries, and Due to My Job, Am Concerned About Entering a Formal Debt Solution, as It Could Potentially Lead To My Dismissal. Can You Help? Read More »

Six-in-ten Scots worried about affording their bills this year – Key Findings from Advice direct Scotland survation poll

Debt / Money / admin

A new poll has found that six-in-ten Scots are worried about affording their bills this year including mortgage repayments, monthly rent, and energy costs. The Survation poll commissioned for Advice Direct Scotland, also revealed that 17% of those with debt have fallen behind in their repayments. Survation polled 1,076 residents aged 16+ living in Scotland

Six-in-ten Scots worried about affording their bills this year – Key Findings from Advice direct Scotland survation poll Read More »

I currently work part time, don’t make a lot of money and am struggling. I am in receipt of Tax Credits, but I’m not sure if I would be entitled to anything else. My daughter is five years old and starts school this year. Can you point me in the direction of any support I can apply for please?

Benefits, Cost-of-living, Debt / Money / admin

There are a range of additional benefits and discounts that you may be entitled to. Even though you are working part time, based on the particulars of your circumstances, you may be entitled to apply for Universal Credit. What is Universal Credit? Universal Credit is an income-related benefit to help with your living costs, and

I currently work part time, don’t make a lot of money and am struggling. I am in receipt of Tax Credits, but I’m not sure if I would be entitled to anything else. My daughter is five years old and starts school this year. Can you point me in the direction of any support I can apply for please? Read More »

In December, I cancelled a few of my direct debits to afford other things and put most of the household shopping on my credit card. I am struggling and just got the bill in for the card and reminder letters for the things I didn’t pay and am worried about what to do. Can you help?

Benefits, Cost-of-living, Debt / Money, Energy / admin

It is good that you have reached out to discuss your worries in relation to your financial situation. By being open and honest about money issues, we can figure out a way forward and try to get back on track. Sometimes discussing the situation with the companies or organisations that we owe money to can

In December, I cancelled a few of my direct debits to afford other things and put most of the household shopping on my credit card. I am struggling and just got the bill in for the card and reminder letters for the things I didn’t pay and am worried about what to do. Can you help? Read More »

I am trying to get my finances sorted for the year ahead, and really do not know where to begin. I have fallen behind with payments to my unsecured debts including credit cards and a personal loan and am being threatened with legal action by my creditors. Can you help?

Cost-of-living, Debt / Money / admin

When it comes to sorting out our finances, sometimes it is scary thinking where to begin. Credit cards and personal loans, as you quite rightly stated, are unsecured debts, meaning that they are not usually tied to property or other assets. They are often referred to as ‘non-priority’ debts, however, still require our attention, as

I am trying to get my finances sorted for the year ahead, and really do not know where to begin. I have fallen behind with payments to my unsecured debts including credit cards and a personal loan and am being threatened with legal action by my creditors. Can you help? Read More »

I am struggling with energy costs and am terrified that I am going to run out of electricity and gas over the festive period with my baby here. I have a prepayment meter, and only top up small amounts, with a large chunk of the payments taken for debt. What can I do?

Cost-of-living, Debt / Money, Energy / Jordan W

There are many people finding themselves in the same boat, with the cost of energy and other goods and services increasing so much. It’s important to remember that help is available when we need it! With suppliers and other organisations closing or operating reduced hours during the festive season, it is important that you seek

I am struggling with energy costs and am terrified that I am going to run out of electricity and gas over the festive period with my baby here. I have a prepayment meter, and only top up small amounts, with a large chunk of the payments taken for debt. What can I do? Read More »

I have had a difficult couple of months financially and am struggling with the cost-of-living. The thought of Christmas is filling me with dread, as I know I am going to have to avoid paying bills, such as my council tax and electric bill to afford presents and food. Can you help?

Cost-of-living, Debt / Money, Energy / admin

Many are struggling with the cost of energy and other goods and services with the dramatic increases we have seen over the last few months. The lead up to Christmas can be a daunting prospect, especially when we are facing issues with our finances. You are not alone in your situation, especially this year. It

I have had a difficult couple of months financially and am struggling with the cost-of-living. The thought of Christmas is filling me with dread, as I know I am going to have to avoid paying bills, such as my council tax and electric bill to afford presents and food. Can you help? Read More »

I am a single parent with kids aged two and four, and I am struggling to get by. I can barely afford to keep the lights on – it was bad before, but it seems to have got much worse for me. I work part time and get very little support in terms of benefits. Can you help?

Benefits, Cost-of-living, Debt / Money, Energy / admin

The cost-of-living crisis is having an impact on everyone, particularly those who were struggling before the prices of energy, goods, and services increased. The thing to remember is that you are not alone and there are sources of support that can help! Scottish Child Payment You may be entitled to Scottish Child Payment, which is

I am a single parent with kids aged two and four, and I am struggling to get by. I can barely afford to keep the lights on – it was bad before, but it seems to have got much worse for me. I work part time and get very little support in terms of benefits. Can you help? Read More »

I am really struggling with my finances at the moment. I am paying out a fortune in utility bills, and recently received notification that my wages will be arrested for non-payment of a debt that I have with one of my creditors. Can you please help?