Our fully trained advisors can help you manage your household income and expenses.
It can be difficult to manage your money without a budget plan in place. If you feel you are just managing to keep your payments up to date but are not really sure how best to manage your budget more effectively give us a call.
We will also check any entitlement to benefit to ensure the income to your household is as it should be. The first step to taking control of your finances is preparing a budget, it will take a little effort, but it is a great way to get a quick snapshot of the money you have coming in and out.
If you are unable to manage your finances within your budget due to debts the next stage will be debt advice to reduce your outgoings where possible. We can provide a range of options to manage debt and in some cases make arrangements with your creditors on your behalf, this is a free and impartial service where you will pay no fees.
Setting up a budget means you are:
- less likely to end up in debt
- less likely to get caught out by unexpected costs
- more likely to be able to maintain a good credit rating
- more likely to be accepted for a mortgage or loan
- able to spot areas where you can make savings
If you would like to have a go yourself you can go to Step Change online and use the free tools available here. If you need further assistance with budgeting or debt advice, please contact us.
You can also use a free educational tool on the Money Advice Scotland Website to gain essential skills and knowledge on household budgeting.