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  1. Home
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General Resources

Downloadable resources

Downloadable resources

Downloadable resources to help with budgeting, spending, managing money, and more. Read more

Published: 19th August, 2022

Updated: 24th July, 2024

Author: Abbey Fleming

Ask the Expert

Ask the Expert

Our 'Ask the Expert' series is a growing number of resources that aim to provide a platform for experts from our network and across the sector to share their knowledge. They cover a range of financial topics and commonly asked questions. Read more

Published: 17th August, 2023

Updated: 28th April, 2026

Author: Hester Davey

Buy Now Pay Later FAQs

Buy Now Pay Later FAQs

Buy Now, Pay Later (BPNL) is a form of credit which is growing in popularity. This resource contains need-to-know information to read before you consider using it as a form of payment. Read more

Published: 2nd March, 2024

Updated: 24th July, 2024

Author: Heather O'Rourke

Credit Card Purchase Protection: Section 75 of the Consumer Credit Act

Credit Card Purchase Protection: Section 75 of the Consumer Credit Act

Credit cards can offer flexibility when paying for goods and services, allowing you to make purchases and spread the cost. They also provide purchase protection thanks to Section 75 of the Consumer Credit Act 1974 (S75). Read more

Published: 2nd March, 2024

Updated: 30th July, 2024

Author: Heather O'Rourke

Five Reasons to Check Your Payslip

Five Reasons to Check Your Payslip

We always look forward to payday and when that day arrives, most of us will check our bank account to see that the money we’ve earned is in - but do you look at your payslip? Here are five important things to check when you receive your payslip. Read more

Published: 2nd March, 2024

Updated: 24th July, 2024

Author: Heather O'Rourke

Useful Information for Employees and Apprentices

Useful Information for Employees and Apprentices

Here you can find useful resources for employees and apprentices. Our employee rights guide sets out important rights that you are legally entitled to. Our annotated payslip explains what the different sections of a payslip mean. Read more

Published: 10th February, 2025

Author: Abbey Fleming

5 Ways to Improve your Online Security

5 Ways to Improve your Online Security

This guide sets out steps we can all take to avoid fraud and cybercrime Read more

Published: 24th February, 2025

Author: Abbey Fleming

Pension Updates for 2025

Pension Updates for 2025

This guide sets out what changes to State Pension and National Insurance Contributions mean for you Read more

Published: 18th March, 2025

Author: Abbey Fleming

Wills and Later Life Planning

Wills and Later Life Planning

Here we have various resources about wills and later life planning Read more

Published: 13th May, 2025

Updated: 30th October, 2025

Author: Abbey Fleming

UK Government Savings Schemes

UK Government Savings Schemes

Here you can learn about various UK Government Savings Schemes, including Help to Save and LISA. Read more

Published: 23rd June, 2025

Updated: 8th July, 2025

Author: Abbey Fleming

Economic Abuse

Economic Abuse

Money Advice Scotland are committed to raising awareness about Economic Abuse, with 1 in 5 women experiencing this form of coercive control by a current or former partner in the last 12 months. Here you can find some guidance to help recognise the signs that Economic Abuse could be taking place and information on how to access expert support and advice whenever needed. Read more

Published: 17th July, 2025

Author: Abbey Fleming

What to Expect from Free Debt Advice

What to Expect from Free Debt Advice

This video covers the topic of free money advice: what debt is, credit reports and your credit score, where to go for advice, Scottish debt solutions and useful contacts. Read more

Published: 24th March, 2026

Author: Abbey Fleming

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Latest

  • Delegate Pack: Responding to Economic Abuse: A National Debt & Money Advice Conference

  • Workforce Wellbeing Blog: Shared Responsibility Series - The Role of the Individual

    Workforce Wellbeing Blog: Shared Responsibility Series - The Role of the Individual

    Our Workforce Wellbeing Officer, Chris, looks at the role of the individual in the first of the Shared Responsibility for Workforce Wellbeing blog series.

  • Wellbeing Blog: Why Workforce Wellbeing Should Be Built With Staff, Not For Staff

    Wellbeing Blog: Why Workforce Wellbeing Should Be Built With Staff, Not For Staff

    Our Workforce Wellbeing Officer, Chris, discusses how wellbeing strategies are often developed for staff rather than with them and how organisations can strengthen workforce wellbeing by building meaningful commitments with employees.

  • CHAI (Community Help and Advice Initiative)

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  • Regulated and Unregulated (Exempt) Credit Agreements

  • Help for people with money worries

  • What we do

    Money Advice Scotland is Scotland’s money charity. We exist to help people in debt, support money advisers, and influence policy. Our mission is to be the driving force towards financial wellbeing for the people of Scotland.

  • What is a 100% Mortgage?

    What is a 100% Mortgage?

    In this blog, we look at the recent news about 100% mortgages and unpack some common questions surrounding mortgages.

  • Resources and Tools

    If you are facing money worries or concerns, this page provides some of the resources and tools our advisers may ask you to use to ensure they can provide the best service for you. This includes our benefits calculator and explanations of many terms relating to debt.

  • Prescription of a debt

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  • E-learning modules

    E-learning modules

    As well as delivering training and workshops, our financial capability team administers the financial capability e-learning module (ELM).

  • MATRICS learn

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    Find an advice agency

    This interactive tool aims to help you find a free, local, and impartial money advice agency. Simply type in your postcode or local area to find a free money adviser near you.

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