If you are struggling with your finances, please ask for help. This section signposts to local and national support organisations.
Your Care - Employee Assistance Programme (EAP)
Expert help and support available, 24/7, 365 days a year. Helpline: 0800 023 9324.
Access Your Care EAP for
- 24/7 debt advice
- Ask Bill - free impartial help, advice and tips on how to reduce your utility bills
Additional wellbeing products and services are available on the Wellbeing Platform - sign in or register to find out more.
Financial support and advice
| Links | Summary of help available |
|---|---|
| Cost of Living - Action and Support | Regular updated information on sources of help |
| PKC Welfare Rights Team | Free, confidential and impartial benefits advice |
| Scottish Welfare Fund | Administration of crisis grants |
| Macmillan Welfare Rights Service | Provision of an enhanced Welfare Rights service to people affected by cancer throughout Perth and Kinross |
| Citizens Advice Bureau (CAB) | Free impartial and confidential advice on a range of issues |
| Home Energy Scotland | Free impartial advice on energy saving measures |
| Home Energy Advice Team (HEAT) | Free professional energy advice to households throughout Perth and Kinross |
| National Debtline Scotland | A charity giving free and independent debt advice over the phone or online |
| Mygov.scot money and debt | Money and debt advice |
| Debt Advice Foundation | Debt charity offering free, confidential advice on any aspect of debt |
| Step Change | Debt charity providing free, confidential and expert debt advice and money guidance |
| PKOnTheGo | Money saving travel options |
| Perth and Kinross Liftshare | Save on travelling costs by car sharing |
| Financial wellbeing podcast from Your Community PK | |
| My Money Matters | Login or Register for budgeting support and select webinars tailored specifically to suit individual financial requirements. |
Be Aware! - Scams and fraud
| Links | Summary of help available |
|---|---|
| Money Helper - Loan Sharks | Guide to illegal lending and how to spot and avoid loan sharks |
| Trading Standards Scotland | Cost of living scams |
Savings and pensions
| Links | Summary of help available |
|---|---|
| BHSF Corporate Health Cash Plan | Offers policyholder cash benefits towards everyday health care costs for a monthly fee |
| ScotWest Credit Union | Savings accounts and loans at competitive interest rates |
| Tay Valley Credit Union | A convenient way to save money and access loans at competitive rates of interest |
| Department for Work and Pensions (DWP) | DWP Services, guidance and regulation available for welfare, pensions and child maintenance |
| Money Helper | Free impartial guidance on your pension options backed by Government |
| Help to Save (opens new window) | Help to Save is a type of savings account backed by the Government to support working people on tax credits or universal credits to build their savings. The video below provides more information Help to Save Scheme Explained (opens new window) |
Last modified on 20 February 2025
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