Helping you manage your money

We can offer you budgeting advice, 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. 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.

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

Frequently asked questions

What will the staff need to know to help me with my household budgeting?

You will need to provide staff with an honest account of what the household income and what all outgoings are in order that they can provide you with the appropriate advice on how to manage your budget?

How will this help me if I am not adding to my income?

It can be difficult to increase the amount of money you have coming in but it will provide you with a better understanding and give you much more control of what and where your money goes each month.

To arrange an appointment with one of our advisors please call 0300 123 0900 and ask for the Information and Advice Hub; alternatively you can email us at or pop into your local customer service centre and they can make a referral to the service for you.

A directory of other services providing support across South Ayrshire, in a range of areas including digital support, welfare rights, money advice and personal budgeting is available by accessing the Signpost directory.