Managing your money in uncertain times
With the costs of living rises having more of an impact on our finances, many people will be struggling or feeling the pinch, and may want to alleviate the burden by borrowing money.
If however, you are starting to feel your finances are out of control, there are ways you can take charge of your money with the right advice and support. We would advocate speaking to a professional money advisor before things get out of hand and you can get this from a visit to Renfrewshire Citizens Advice or with Advice Works, particularly if you believe you may be entitled to benefits.
The Money and Pensions Service Money Helper website is a great resource with helpful money guides that cover everything from living on a squeezed income to talking to your creditor if you are struggling to manage loan repayments. You can find all of their guides here.
Other credit sources
If you have tried to get a loan or been refused, and even refused a credit union loan there are other responsible lenders who may let you borrow a smaller amount than a bank will give.
As with all financial providers, they will have their own terms and conditions for credit so make sure you are aware of where to find this information and have read them over. Help can be available from the Renfrewshire Citizens Advice Bureau money teams.