Starting a new job is a good time to think about how you manage your money.

Money Advice Service

The Money Advice Service can give you free, independent advice on everything from budgeting to saving, credit and borrowing, mortgages, insurance, and pensions. The service is unbiased so they won’t recommend products or try to sell you anything.

To make a free face-to-face appointment with a trained Money Adviser, available in Citizens Advice Bureau all over Scotland, call 0808 800 0118. You can also find lots of information and resources on the Money Advice Service website:

National Debtline

If you are in debt, you may be expected to start or increase your repayments now you are in work. National Debtline provides free confidential and independent advice on how to deal with debt problems – Call 0808 808 4000 or visit