It is not always easy to know where to turn to when we need advice and support. This page contains useful links for households regarding debt, the cost of living crisis, energy efficiency and mental wellbeing.
Debt Advice
MoneySaver’s Debt Advice Locator Tool – Find free debt advice near you.
Moray Citizens Advice Bureau – Provides free, independent, impartial and confidential advice across a range of issues including Benefits, Consumer, Debt, Employment, Housing, Legal, Relationships and Immigration.
Moray Council: Money Advice Moray – Help if you are facing money or debt problems including crisis help, income maximisation, budgeting and help to make benefit applications.
StepChange – Free debt advice and money management.
Cost of Living
Help for Households – See what support is available to help with the cost of living and find out how to save money with energy saving tips.
British Gas Energy Trust – Charitable trust open to all consumers. They can help actually pay off fuel debt or buy energy efficient goods.
Turn2Us – Find out what benefits and tax credits you might be able to get as well as any trusts or benevolent funds that you might be able get help from.
Financial Conduct Authority – Advice on dealing with the financial impact of the cost of living crisis.
Moray Firth Credit Union – Safe, accessible savings and fair, affordable low-interest loans.
Energy Efficiency
Home Energy Scotland – Impartial energy efficiency advice.
REAP Scotland – Energy advice including help with bills, switching providers, and available grants/loans.
Moray Energy Efficiency Scheme – Scottish Government funded scheme to reduce fuel poverty in Moray. Projects include solar panels and battery storage, internal or cavity wall insulation and air source heat pumps. Check website for more information on eligibility criteria.
Mental Wellbeing
Breathing Space – Free, confidential, phone and webchat service for anyone in Scotland over the age of 16 experiencing low mood, depression or anxiety.
Shout – Free, confidential, 24/7 text messaging support service for anyone who is struggling to cope.
Papyrus – Suicide prevention helpline for young people.
Samaritans – Provides confidential non-judgemental emotional support for anyone who is struggling to cope
Childline – Counselling service for children and young people up to their 19th birthday in the United Kingdom provided by the NSPCC.
