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Scotland 2022

Debt worries?

Every year we help thousands of self-employed people and small business owners across Scotland to deal with their debt. Start by following our three New Year’s resolutions…

1. Set a budget

Setting a budget is the biggest step you can take to get on top of your finances.

Sit down and work out how much money you have coming in even month, and what you need to spend.

Don't forget to account for annual expenditure, like car insurance or road tax, by dividing it by 12.

Our free business budget tools can help.

Get started

2. Open your statements

We know it is tempting to ignore the envelopes that land on the doormat, especially in January.

Ignoring the problem will only make it worse, so take a deep breath, open all of your statements to help you to get a

handle on how much you owe.

Write down a list of all of your debts, together with the outstanding balances and repayment dates for each.

3. Get free debt advice

Remember that you are no alone in this. Free, independent advice is available from Business Debtline - so seek free debt advice as soon as possible, and resist the appeals of commercial debt management companies whose high fees and charges will only add to your debts.

The earlier you seek free advice, the quicker and easier your problem will be to solve.

Get in touch

  • Access the range of free advice on our website.
  • Webchat with an adviser, or
  • Call us for free debt advice on

0800 197 6026

Monday to Friday: 9am - 8pm.