How To Get Ready For The Changes

There are local Advice and Information Services available where you can get assistance with any benefit issues.

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 Working4U 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 Working4U 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 from Working4U (you can also 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.