With Christmas only a few weeks away, it can be tempting to throw caution to the wind and go on a spending spree for gifts. However this can often lead to debt problems.
Do you find yourself struggling to find money by the end of the month? Are you spending too much money, but not sure where it’s all going? We can help.
Coronavirus is still a problem throughout the UK. In addition to health problems, it has also caused serious financial problems. Many people have unexpectedly lost their jobs and seen their income drop, meaning they will start to struggle to pay off debts. As the furlough scheme comes to an end, it is expected that many […]
What is government furlough? When the Coronavirus pandemic hit the UK, the government introduced the Coronavirus Job Retention Scheme (CJRS). This is more commonly referred to as government furlough. It is when an employee is paid their full wage but is not required to work. The company pays 20% whilst the government pays the remaining […]
The Coronavirus pandemic has hit everyone financially. In order to release the strain slightly, payment holidays from paying rent and mortgages have been made more readily available. Payment holidays are agreements you make with whoever you pay your mortgage or rent to. It means you don’t have to pay anything for up to a few […]
Small Ways to make a Big Difference Sometimes the smallest steps can make the biggest difference to helping the environment. If we all do our bit, together we can help save the planet. The great news is, this doesn’t have to cost you anything. In the long run it can actually save you money. So, […]
As members of the public, we all work to reduce waste and change our habits to be more environmentally friendly. This includes recycling our rubbish, cycling or walking instead of driving, and using less plastic. However if we are looking to secure an energy efficient Scotland in the near future, we need to also think […]
After the excesses of Christmas, it can be hard to re-adjust to normal life again in January. This can often be made worse by demands for money from everything we spent at the end of the year. Dealing with debt is important. If you need someone to talk to and work out ways to help, […]
Half term holidays in Scotland are a great chance for your children to relax and enjoy some time off from studying and homework. However finding things to do can be expensive, and before you know it, costs have ratcheted up and your savings have dropped down. Here’s how can you keep costs down whilst entertaining […]
Christmas debt is a serious problem in the UK. A third of people in Britain borrow money each year to buy Christmas presents. This is nearly 17 million people. 2.3 million people will miss a regular payment of rent, electricity or another vital service in order to pay for Christmas. Debt problems are made worse […]
The Money Talk Team Spring has sprung, the sun is shining. There’s no better time to spring clean your finances. Perhaps you’re wondering if you’re eligible for support like pension credit or universal credit. Or you want to find out how much disability allowance you could get? Maybe you’re considering switching energy supplier but you’re […]
Dealing with Debt Finding yourself in debt is a very stressful experience, which might make you want to bury your head in the sand. But, acknowledging there’s a problem and getting help is the first step on the road to dealing with debt. That’s where the Money Talk Team at the Citizens Advice Bureau come […]