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  • List of Advice and assistance agencies

  • Find out how the changes will affect you and start to plan for them now.

  • Open a bank account that allows you to pay bills and your rent by direct debit.  But remember, if there is no money in your account to pay a direct debit, you could run up bank charges. Consider specialist banking support such as a Credit Union or Scot cash.

  • Try saving a small amount every week. Credit unions and banks provide a safe and convenient place to save your money.

  • If debts are mounting up, contact the Council's Advice Service or Citizens Advice and they will help you look at options to make things more manageable.

  • Avoid pay day loans, credit from doorstep lenders and shops doing weekly payments.  These can be very expensive. If you need a new washing machine or other essential goods, your local Credit Union is a much cheaper options.

  • Seek advice about managing your money. If you are already finding it difficult to pay debts, contact the council's Advice Service service or the Citizens Advice Bureau.

  • Begin to budget now. Keep a budget that records what things cost, like your weekly food shopping, electricity bills and rent.

  • Seek employment advice (you can get support from Job Centre Plus).

  • If you are considering moving house, contact your landlord to discuss your housing options.

  • Try to get online. Remember there is free access to the internet and advice on courses at libraries.

  • Keeping yourself healthy and well can help you cope and get the best out of life even when things are difficult and money is tight.

  • If you are feeling low, we have a Health and Well-Being programme makes it easier to take part in activities and services that improve our well-being.