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Toolkits & Resources

The Money Advice Service provides practical advice, tools and resources for professionals and intermediaries to help them develop the financial capability of their clients.

Financial Learning Online is a web-based resource for workers involved in supporting people aged 16+ to become more financially capable

A Basic guide to financial inclusion for people affected by homelessness has been prepared by the Scottish Homelessness & Employability Network.

Signposting clients

  • The Money Advice Service's website provides individuals with help and advice on various aspects of money, for example, everyday money, retirement, families and other financial products and services. There are also useful tools, calculators and comparison tables available on a number of topics.

  • Citizens Advice Bureaux are a key provider of money and welfare advice accessed via local bureaux.

  • Citizens Advice Direct provides telephone support across the range of issues covered by Citizens Advice Bureaux.

  • Local authority debt advice is usually based in the Trading Standards or Social Work departments - see local phone book

  • National Debtline is a national helpline that provides free confidential and independent advice on how to deal with debt problems. It also provides a section on the website where individuals can obtain information the most frequently asked questions about debt; handy factsheets for key topic areas; self help packs provides individuals with information and standard letters which help to deal with debt; a weekly or monthly personal budget sheet and sample letters.

  • Citizens Advice Bureaux's AdviceGuide on money management offers comprehensive support across a range of issues including debt, borrowing, banking etc.

  • Moneymatterstome has a range of good tools and offers routes through according to life stage (eg Returning To Work).

  • Young Scot's Money Channel supports young people across Scotland from ages 11-26, to make informed financial decisions and choices.

  • Consumer Affairs offer debt and money advice to consumers via free guides and reports published on their website.