There are a number of organisations that can offer independent advice online, face-to-face or over the phone.

• Scotland's Financial Health Service – find information and advice on debt, managing money, housing, homelessness and ethical lending

• Keeping your Home – gives advice to home owners to help prevent repossessions

• National Debtline – get free, confidential and independent debt advice on 0808 808 4000

• Citizens Advice – visit your nearest bureau to speak to somebody face-to-face, or call 0808 800 9060

• Shelter Scotland – call the free helpline for housing advice on 0808 800 4444

• Money Advice Scotland – find details of agencies that give independent financial advice, call 0141 572 02

Speak to a money adviser

Money advisers can give confidential, independent and reliable advice about your situation.

Search for money advisers in your area.

Financial Health Check

The Financial Health Check service offers money advice to older people and families.

It can show you how to make the most of your income and make sure that you're not paying more than you need to for basic services like gas, electricity and broadband.

It can help you find out:

• what benefits you can get
• how to save money on your bills
• what other money you may be entitled to

You can talk to Financial Health Check advisors by calling 0800 085 7145 or meeting them in person at your local Citizens Advice Bureau.