Worrying about money

My money does not stretch far enough

If you are finding it hard to cover everyday costs, you are not alone. You might be:

  • choosing between essentials like food, fuel or mobile credit
  • on a low income or working a zero hours contract
  • getting Statutory Sick Pay that does not cover your bills
  • unsure if you are eligible for any support
  • dealing with a change in your life, such as having a baby, losing someone close, becoming ill or separating from a partner

What support is available

Scottish Welfare Fund

You may be able to get a crisis grant from the council if you're on a low income. This payment helps with emergency or disaster costs and does not need to be paid back.

Apply for a crisis grant

You can get further advice from our Welfare Support Team, Citizen's Advice Scotland, and Scottish Welfare Fund - contact details are provided on this page.

Maximise your income

If you are struggling financially, you can get a free benefit check and speak to an adviser. This helps make sure you are getting all the money you're entitled to, especially if your circumstances have changed. An adviser can also help you find cheaper deals on gas and electricity and save money on things like school clothing grants or credit unions.

Check what benefits you may be entitled to

You can receive further advice from our Welfare Support Team and Citizen's Advice Scotland - contact details are provided on this page

Benefit advance

If you have made a new benefit claim and are in financial hardship while waiting for your first payment, you can ask for an advance to help with costs like rent or food.

Note that Benefit advances function as loans and must be repaid.

Apply for a benefit advance

You can receive further advice from our Welfare Support Team and Citizen's Advice Scotland - contact details are provided on this page

Page last modified: 25 November 2025

Welfare support

Get in touch for free, confidential help and advice on benefits you might be entitled to, support with money matters and personal budgeting advice.

Telephone: 0800 090 1004

Citizen's Advice Scotland

Your local Citizens Advice Bureau can provide confidential advice on a variety of topics such as benefits and entitlements, debt and budgeting, and housing and employment

Telephone: 0800 028 1456

Scottish Welfare Fund

Telephone: 0800 083 1887

'Worrying About Money' Offline Guide