Articles

Bailiffs and Legal Action

What are the Seven Types of Wage Arrestments in Scotland?

An overview of the seven types of wage arrestments, also known as earning arrestments, in Scotland, where a creditor can take earnings from your wages.

Bailiffs and Legal Action

How much can be taken from my wages via a Wage Arrestment Order?

How much creditors can recover from your wages through a Wage, or Earnings Arrestment Order, will depend on your earnings and payment frequency.

Bailiffs and Legal Action

Can a Wage Arrestment be stopped or challenged?

How to stop or challenge a creditor from recovering money from your earnings through a Wage Arrestment or Earnings Arrestment order.

Budgeting

Are you entitled to the Marriage Tax Allowance?

It is estimated that nearly two million UK couples are eligible but yet to the claim the Marriage Tax Allowance.

Free and Cheap Christmas Events for Children, Families, and Individuals in Scotland 2022

With the Cost of Living crisis starting to bite for many families across Scotland, most of us will be looking for ways of keeping up the festive cheer this Christmas while still keeping a close eye on...

Can’t afford rising mortgage costs due to interest rates

With interest rates on the rise, households across Scotland will find their monthly mortgage payment increase as existing low fixed rates expire. Help is at hand.

Trust Deed

Can you take out joint Trust Deeds in Scotland?

Joint Trust Deeds don’t exist, however, if you want to run a Trust Deed that encompasses debts as a couple, this will be two individual Trust Deeds.

Home appliances increasing your energy bills when not in use

Across the UK, energy prices are rising rapidly so here we highlight the home appliances you should unplug when you’re not using them, to save some money.

Budgeting

What is the 70-20-10 Budget?

The 70-20-10 method of budgeting allocates proportions of your income to three different areas – living costs, debt, and savings. The sheer simplicity of the budget helps you control spending, repay...

Personal Debts

Should I pay off my debts or save – or both?

If you have money left over at the end of the month, you may be wondering how best to use it. Should you pay off your debts, or is saving a better option? You might even be considering both.

Personal Debts

What happens if I can’t afford divorce legal fees?

The emotional strain of divorce can be overwhelming, and further exacerbated by uncertainty over money. Divorce is typically an expensive process, so what happens if you can’t afford to pay your div...

Trust Deed

Can I get an IVA in Scotland?

If you live in Scotland and are finding it difficult to keep up with debt repayments, you may be eligible to enter a Scottish IVA (Individual Voluntary Arrangement).