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    Angela Rayner accuses Reform of ‘politics of hatred’ as she insists Labour can win bitter Holyrood by-election

    Angela Rayner accuses Reform of ‘politics of hatred’ as she insists Labour can win bitter Holyrood by-election

    SNP complain about Reform’s ‘race-baiting’ advert on Scottish Labour leader Anas Sarwar

    SNP complain about Reform’s ‘race-baiting’ advert on Scottish Labour leader Anas Sarwar

    Two Israeli embassy staff shot dead in Washington DC, sparking massive anti-terror response

    Two Israeli embassy staff shot dead in Washington DC, sparking massive anti-terror response

    Reform chief rules out IndyRef and claims party will be second biggest in Scotland

    Reform chief rules out IndyRef and claims party will be second biggest in Scotland

    Scotland being held back by chronic shortage of housing with calls for 25,000 new builds a year

    Scotland being held back by chronic shortage of housing with calls for 25,000 new builds a year

    Keeping Royal Family in Scotland ‘can no longer be justified’, claims Patrick Harvie

    Keeping Royal Family in Scotland ‘can no longer be justified’, claims Patrick Harvie

    Reform UK defeat Labour in crunch by-election by six votes after recount

    Reform UK defeat Labour in crunch by-election by six votes after recount

    Labour Government accused of ‘closing down’ Aberdeen over oil and gas jobs and ‘betrayal’ on GB Energy

    Labour Government accused of ‘closing down’ Aberdeen over oil and gas jobs and ‘betrayal’ on GB Energy

    Donald Trump dream of bringing Open Championship back to Turnberry is about more than golf

    Donald Trump dream of bringing Open Championship back to Turnberry is about more than golf

    Nigel Farage says Reform would prefer SNP to win next Holyrood election instead of Labour

    Nigel Farage says Reform would prefer SNP to win next Holyrood election instead of Labour

    SNP and Labour race for Hamilton ‘too close to call’ as parties set for crunch by-election

    SNP and Labour race for Hamilton ‘too close to call’ as parties set for crunch by-election

    Rapist Isla Bryson ‘is a woman’ says Green by-election candidate in Clydebank

    Rapist Isla Bryson ‘is a woman’ says Green by-election candidate in Clydebank

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      Salesforce boss Marc Benioff joins Weev.

      What is a virtual office and why you need one in Central London – Your Company Formations Ltd

      What is a virtual office and why you need one in Central London – Your Company Formations Ltd

      Inflation rises again to new 40-year high

      Inflation rises again to new 40-year high

      Bank of England hikes interest rates to 1.25%

      Bank of England hikes interest rates to 1.25%

      Hiring activity in Scotland slows amid steep decline in staff availability

      Hiring activity in Scotland slows amid steep decline in staff availability

      Scottish retail footfall growth ‘worst in UK compared to pre-pandemic’

      Scottish retail footfall growth ‘worst in UK compared to pre-pandemic’

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      Rangers placed on Vaclav Cerny red alert over Wolfsburg ‘fire sale’ as Cyriel Dessers makes transfer stance clear

      Rangers placed on Vaclav Cerny red alert over Wolfsburg ‘fire sale’ as Cyriel Dessers makes transfer stance clear

      Mathias Kvistgaarden waves Brondby farewell but Celtic hit with transfer blow as boss throws spanner in works

      Mathias Kvistgaarden waves Brondby farewell but Celtic hit with transfer blow as boss throws spanner in works

      World A-listers go nuts for Ange as Roy Keane drops the mic, McCoist breaks down barriers and Salah keeps receipts

      World A-listers go nuts for Ange as Roy Keane drops the mic, McCoist breaks down barriers and Salah keeps receipts

      How a ferry and a forklift helped Celtic boss Brendan Rodgers reach the top as SFWA Manager of the Year relives his journey

      How a ferry and a forklift helped Celtic boss Brendan Rodgers reach the top as SFWA Manager of the Year relives his journey

      How Celtic fans can still land Aberdeen Scottish Cup Final tickets as second chance emerges

      How Celtic fans can still land Aberdeen Scottish Cup Final tickets as second chance emerges

      Ante Palaversa tells Aberdeen pals how they can turn Rangers atmosphere early as Jimmy Thelin message revealed

      Ante Palaversa tells Aberdeen pals how they can turn Rangers atmosphere early as Jimmy Thelin message revealed

      Kieran Tierney hit by brutal takedown as Arsenal star ‘finds his level’ at Celtic

      Kieran Tierney hit by brutal takedown as Arsenal star ‘finds his level’ at Celtic

      Scott McTominay picks out incredible favourite Napoli nickname as swooning team-mate stunned by the golden guy

      Scott McTominay picks out incredible favourite Napoli nickname as swooning team-mate stunned by the golden guy

      Alan Brazil risks wrath of Celtic fans as he fears Tottenham or Leeds United await Brendan Rodgers

      Alan Brazil risks wrath of Celtic fans as he fears Tottenham or Leeds United await Brendan Rodgers

      Daizen Maeda and a forgotten transfer as Celtic top boy sold to best teams on planet like a superstar signing

      Daizen Maeda and a forgotten transfer as Celtic top boy sold to best teams on planet like a superstar signing

      Neil Critchley admits new Hearts signing is injured as he reveals plan to get him up and running for Tynecastle arrival

      Neil Critchley admits new Hearts signing is injured as he reveals plan to get him up and running for Tynecastle arrival

      Celtic squad revealed as Brendan Rodgers looks for edge factor sorely missing to force Rangers’ hand

      Celtic squad revealed as Brendan Rodgers looks for edge factor sorely missing to force Rangers’ hand

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        IMGP4O: Pioneering Sustainable and Innovative AI Ecosystems for the Future

        IMGP4O: Pioneering Sustainable and Innovative AI Ecosystems for the Future

        Apple AirPods Pro 2 hit lowest price since Black Friday at five different retailers

        Apple AirPods Pro 2 hit lowest price since Black Friday at five different retailers

        Experts issue warning to households that have certain type of toaster

        Experts issue warning to households that have certain type of toaster

        Amazon slashes 52% off ‘brilliant’ Samsung Tablet now only £80 in limited time deal

        Amazon slashes 52% off ‘brilliant’ Samsung Tablet now only £80 in limited time deal

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        Amazon Tech Week Sale sees £100 off Apple Watch, LG Smart TV down 45% and more

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        ‘I lost 6stone with weight loss jabs but there’s one side-effect no one tells you about’

        One surprising food ‘you should eat 3 times a week’ to lower heart disease risk

        One surprising food ‘you should eat 3 times a week’ to lower heart disease risk

        Women thought she had a sore neck – then was diagnosed with cancer

        Women thought she had a sore neck – then was diagnosed with cancer

        ‘I lost 3stone and 5 dress sizes with weight loss jabs but there’s a big drawback’

        ‘I lost 3stone and 5 dress sizes with weight loss jabs but there’s a big drawback’

        Test your brain health with 30-point cognitive exercise taken by Donald Trump

        Test your brain health with 30-point cognitive exercise taken by Donald Trump

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        Film fans have just days to watch ‘most perfect film ever made’ before it’s axed from BBC

        Film fans have just days to watch ‘most perfect film ever made’ before it’s axed from BBC

        ‘Time saving’ robot vacuum drops below £100

        ‘Time saving’ robot vacuum drops below £100

        Shoppers ‘blown away’ by ‘excellent’ mist fan perfect for heatwave

        Shoppers ‘blown away’ by ‘excellent’ mist fan perfect for heatwave

        Pensioners claiming new health benefit could get payment decision in one week

        Pensioners claiming new health benefit could get payment decision in one week

        Scots react to American called Scotland and whether name is ‘cool or just dumb’

        Scots react to American called Scotland and whether name is ‘cool or just dumb’

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        People urged to apply for £200 grant with deadline in days

        People urged to apply for £200 grant with deadline in days

        School leaders want to see more fines for parents to tackle major problem

        School leaders want to see more fines for parents to tackle major problem

        Children were violently attacked in a school and college – this is the response

        Children were violently attacked in a school and college – this is the response

        Second private school in Wales faces closure as pupil numbers fall

        Second private school in Wales faces closure as pupil numbers fall

        Strike action at Cardiff University called off

        Strike action at Cardiff University called off

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      • Politics
        Angela Rayner accuses Reform of ‘politics of hatred’ as she insists Labour can win bitter Holyrood by-election

        Angela Rayner accuses Reform of ‘politics of hatred’ as she insists Labour can win bitter Holyrood by-election

        SNP complain about Reform’s ‘race-baiting’ advert on Scottish Labour leader Anas Sarwar

        SNP complain about Reform’s ‘race-baiting’ advert on Scottish Labour leader Anas Sarwar

        Two Israeli embassy staff shot dead in Washington DC, sparking massive anti-terror response

        Two Israeli embassy staff shot dead in Washington DC, sparking massive anti-terror response

        Reform chief rules out IndyRef and claims party will be second biggest in Scotland

        Reform chief rules out IndyRef and claims party will be second biggest in Scotland

        Scotland being held back by chronic shortage of housing with calls for 25,000 new builds a year

        Scotland being held back by chronic shortage of housing with calls for 25,000 new builds a year

        Keeping Royal Family in Scotland ‘can no longer be justified’, claims Patrick Harvie

        Keeping Royal Family in Scotland ‘can no longer be justified’, claims Patrick Harvie

        Reform UK defeat Labour in crunch by-election by six votes after recount

        Reform UK defeat Labour in crunch by-election by six votes after recount

        Labour Government accused of ‘closing down’ Aberdeen over oil and gas jobs and ‘betrayal’ on GB Energy

        Labour Government accused of ‘closing down’ Aberdeen over oil and gas jobs and ‘betrayal’ on GB Energy

        Donald Trump dream of bringing Open Championship back to Turnberry is about more than golf

        Donald Trump dream of bringing Open Championship back to Turnberry is about more than golf

        Nigel Farage says Reform would prefer SNP to win next Holyrood election instead of Labour

        Nigel Farage says Reform would prefer SNP to win next Holyrood election instead of Labour

        SNP and Labour race for Hamilton ‘too close to call’ as parties set for crunch by-election

        SNP and Labour race for Hamilton ‘too close to call’ as parties set for crunch by-election

        Rapist Isla Bryson ‘is a woman’ says Green by-election candidate in Clydebank

        Rapist Isla Bryson ‘is a woman’ says Green by-election candidate in Clydebank

        Trending Tags

        • Business

          Salesforce boss Marc Benioff joins Weev.

          What is a virtual office and why you need one in Central London – Your Company Formations Ltd

          What is a virtual office and why you need one in Central London – Your Company Formations Ltd

          Inflation rises again to new 40-year high

          Inflation rises again to new 40-year high

          Bank of England hikes interest rates to 1.25%

          Bank of England hikes interest rates to 1.25%

          Hiring activity in Scotland slows amid steep decline in staff availability

          Hiring activity in Scotland slows amid steep decline in staff availability

          Scottish retail footfall growth ‘worst in UK compared to pre-pandemic’

          Scottish retail footfall growth ‘worst in UK compared to pre-pandemic’

        • Sports
          Rangers placed on Vaclav Cerny red alert over Wolfsburg ‘fire sale’ as Cyriel Dessers makes transfer stance clear

          Rangers placed on Vaclav Cerny red alert over Wolfsburg ‘fire sale’ as Cyriel Dessers makes transfer stance clear

          Mathias Kvistgaarden waves Brondby farewell but Celtic hit with transfer blow as boss throws spanner in works

          Mathias Kvistgaarden waves Brondby farewell but Celtic hit with transfer blow as boss throws spanner in works

          World A-listers go nuts for Ange as Roy Keane drops the mic, McCoist breaks down barriers and Salah keeps receipts

          World A-listers go nuts for Ange as Roy Keane drops the mic, McCoist breaks down barriers and Salah keeps receipts

          How a ferry and a forklift helped Celtic boss Brendan Rodgers reach the top as SFWA Manager of the Year relives his journey

          How a ferry and a forklift helped Celtic boss Brendan Rodgers reach the top as SFWA Manager of the Year relives his journey

          How Celtic fans can still land Aberdeen Scottish Cup Final tickets as second chance emerges

          How Celtic fans can still land Aberdeen Scottish Cup Final tickets as second chance emerges

          Ante Palaversa tells Aberdeen pals how they can turn Rangers atmosphere early as Jimmy Thelin message revealed

          Ante Palaversa tells Aberdeen pals how they can turn Rangers atmosphere early as Jimmy Thelin message revealed

          Kieran Tierney hit by brutal takedown as Arsenal star ‘finds his level’ at Celtic

          Kieran Tierney hit by brutal takedown as Arsenal star ‘finds his level’ at Celtic

          Scott McTominay picks out incredible favourite Napoli nickname as swooning team-mate stunned by the golden guy

          Scott McTominay picks out incredible favourite Napoli nickname as swooning team-mate stunned by the golden guy

          Alan Brazil risks wrath of Celtic fans as he fears Tottenham or Leeds United await Brendan Rodgers

          Alan Brazil risks wrath of Celtic fans as he fears Tottenham or Leeds United await Brendan Rodgers

          Daizen Maeda and a forgotten transfer as Celtic top boy sold to best teams on planet like a superstar signing

          Daizen Maeda and a forgotten transfer as Celtic top boy sold to best teams on planet like a superstar signing

          Neil Critchley admits new Hearts signing is injured as he reveals plan to get him up and running for Tynecastle arrival

          Neil Critchley admits new Hearts signing is injured as he reveals plan to get him up and running for Tynecastle arrival

          Celtic squad revealed as Brendan Rodgers looks for edge factor sorely missing to force Rangers’ hand

          Celtic squad revealed as Brendan Rodgers looks for edge factor sorely missing to force Rangers’ hand

          Trending Tags

          • Technology
            IMGP4O: Pioneering Sustainable and Innovative AI Ecosystems for the Future

            IMGP4O: Pioneering Sustainable and Innovative AI Ecosystems for the Future

            Apple AirPods Pro 2 hit lowest price since Black Friday at five different retailers

            Apple AirPods Pro 2 hit lowest price since Black Friday at five different retailers

            Experts issue warning to households that have certain type of toaster

            Experts issue warning to households that have certain type of toaster

            Amazon slashes 52% off ‘brilliant’ Samsung Tablet now only £80 in limited time deal

            Amazon slashes 52% off ‘brilliant’ Samsung Tablet now only £80 in limited time deal

            Amazon Tech Week Sale sees £100 off Apple Watch, LG Smart TV down 45% and more

            Amazon Tech Week Sale sees £100 off Apple Watch, LG Smart TV down 45% and more

          • Health
            ‘I lost 6stone with weight loss jabs but there’s one side-effect no one tells you about’

            ‘I lost 6stone with weight loss jabs but there’s one side-effect no one tells you about’

            One surprising food ‘you should eat 3 times a week’ to lower heart disease risk

            One surprising food ‘you should eat 3 times a week’ to lower heart disease risk

            Women thought she had a sore neck – then was diagnosed with cancer

            Women thought she had a sore neck – then was diagnosed with cancer

            ‘I lost 3stone and 5 dress sizes with weight loss jabs but there’s a big drawback’

            ‘I lost 3stone and 5 dress sizes with weight loss jabs but there’s a big drawback’

            Test your brain health with 30-point cognitive exercise taken by Donald Trump

            Test your brain health with 30-point cognitive exercise taken by Donald Trump

          • Entertainment
            Film fans have just days to watch ‘most perfect film ever made’ before it’s axed from BBC

            Film fans have just days to watch ‘most perfect film ever made’ before it’s axed from BBC

            ‘Time saving’ robot vacuum drops below £100

            ‘Time saving’ robot vacuum drops below £100

            Shoppers ‘blown away’ by ‘excellent’ mist fan perfect for heatwave

            Shoppers ‘blown away’ by ‘excellent’ mist fan perfect for heatwave

            Pensioners claiming new health benefit could get payment decision in one week

            Pensioners claiming new health benefit could get payment decision in one week

            Scots react to American called Scotland and whether name is ‘cool or just dumb’

            Scots react to American called Scotland and whether name is ‘cool or just dumb’

          • Life Style
          • Travel
          • Education
            People urged to apply for £200 grant with deadline in days

            People urged to apply for £200 grant with deadline in days

            School leaders want to see more fines for parents to tackle major problem

            School leaders want to see more fines for parents to tackle major problem

            Children were violently attacked in a school and college – this is the response

            Children were violently attacked in a school and college – this is the response

            Second private school in Wales faces closure as pupil numbers fall

            Second private school in Wales faces closure as pupil numbers fall

            Strike action at Cardiff University called off

            Strike action at Cardiff University called off

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          10 ways to take control of your finances this year and see a difference by Christmas

          by Mary F. Almanza
          February 11, 2022
          in Life Style
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          Most people are aware they should be paying off their debts, saving more or spending less, but the reality of tackling your finances and making important lifestyle choices can be daunting – especially when millions of households across the country are facing a cost of living crisis.

          This year already looks like another financially challenging one for many people due to rising inflation, increased bills and soaring energy costs, all of which will put extra pressure on household budgets.

          However, now is the perfect time to take a deep drive into your outgoings and spending habits and work out how you are going to pay for those increased repayments.

          Read More
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          And if you do it rigidly, focused entirely on staying in the black, your finances could be better off by the end of the year.

          WEALTH at work, a leading financial wellbeing and retirement specialist, has shared a list of things that people can do to help them take control of their finances in 2022.

          10 ways to improve your finances in 2022

          Create a budget

          Work out exactly what your income is, and what liabilities you have – for example, mortgage, debt, childcare, insurance and utility bills. If the amount of money you need each month is more than the amount you have coming in, you can then work out what action you need to take to cover your costs.

          Review all your outgoings

          It is important to check bank statements and make a list of what is being spent each month. It is also helpful to divide these into utility bills, mortgage or rent costs, Council Tax, supermarket shopping, monthly contracts for TV, broadband and mobiles, insurance, regular subscriptions, and other spending.

          This will highlight where money is going and where savings could be made.

          Cancel any unused subscriptions, or unused memberships you have forgotten about. If you can’t afford them or don’t use them, now is the time to get rid of them.

          Make managing debt a priority

          There are many different types of debt with varying rates of interest, and it is often a good idea to make paying off expensive debts a priority.

          Credit cards and overdrafts can have rates of 18-40%,

          A good option could be to consolidate any debts into a 0% or low interest balance transfer card, as more money will go towards paying the debt off and enable you to clear it over a shorter time period.

          Be a savvy shopper

          By switching brands it might be possible for you to significantly reduce the price of your regular shop. In addition, by planning for your weekly shop in advance, it may help you to search for deals and reduce expenditure on non-essential items.

          Discount vouchers are often available through voucher and discount websites, and some people have access to discount vouchers through their employer. This could be crucial if you have to make a big purchase, such as if your washing machine breaks.

          Check if you can save on your household bills

          It is possible to make significant savings on a range of household bills such as car, home and pet insurance, and broadband and mobile suppliers.

          Price comparison websites can help to make it easy to compare the different deals available. Increases in wholesale energy costs mean fewer deals are available right now, so it may not be a good time to try to change utility suppliers, but there are still significant savings available on other bills.

          Watch out for auto-renewals

          Many insurance policies for cars, homes and travel, automatically renew each year but people may be paying more than they need to if they allow this to happen.

          To get the best deal and avoid any potential price hikes with auto-renewals, make sure you find out when your contract is due to end, and put it in your diary for a few weeks earlier, so you have plenty of time to shop around and switch or haggle where appropriate.

          Set up a savings Direct Debit

          If your expensive debts are paid off, and you can afford to save, it is often a good idea to set up a direct debit for saving into an ISA, pension or company share scheme. Often this means that you don’t notice that the money is going into your savings.

          Start saving early

          Starting to save when you are younger means that the money has time to grow. ISAs are a great way to start saving, and mean you have access to your savings in the future should you need them.

          It is also important to make sure that you’re saving into your pension from early on. Many are already paying 5% of their salary into their workplace pension through auto-enrolment, with an additional 3% employer contribution. However we know that many employers match additional contributions (up to certain limits).In fact, if you are in your 20s, by saving an extra 1% a year with your employer matching this, it is possible to increase your pension pot in retirement by 25%.

          Beware of scams

          Scammers can often sound completely legitimate when they contact you, so it’s easy to see why so many people are fooled and it isn’t small amounts of money which are being taken.

          Action Fraud reported a doubling of the average amount lost by pension scam victims between January and May 2021 to almost £51,000 from around £23,689 in 2020.

          If someone contacts you with an offer which seems too good to be true, it’s vital to check whether the company is registered with the Financial Conduct Authority (FCA). You can also visit the FCA’s ScamSmart website which includes a warning list of companies operating without authorisation or running scams.



          There are a number of ways you can stay up to date with the latest stories from the Daily Record.

          You can join the conversation on our Money Saving Scotland Facebook group for money-saving tips, benefits news, consumer help and advice, plus the latest shopping deals.

          Sign up to our Record Money newsletter to get the top stories sent straight to your inbox every Tuesday and Friday – you can sign up here.

          You can also follow our Twitter account @Recordmoney_ for regular updates throughout the day.

          Take action

          Don’t worry if you don’t know where to start as there is plenty of help available. It’s always worth speaking to lenders to see if they can help if you are struggling with repayments and Citizens Advice can help you understand how to deal with any debts. Many employers offer their staff help through financial education and guidance, so make sure you speak to them to find out what is available.

          Commenting on the tips, Jonathan Watts-Lay, Director, WEALTH at work, said: “Most people would benefit from having a better understanding of money, but are confused where to start. Too many struggle to pay bills, or repay expensive debt. Often people have direct debits for products and services they no longer use, and policies often auto renew at much higher rates than the original deal.”

          He added: “If you are able to save, you need to understand what the best method is for your saving goals.

          “Now is a great time to commit to understanding what your financial situation really is, and taking action to make sure you are in control of your finances in 2022.”

          Get the latest money-saving and benefits news sent straight to your inbox. Sign up to our weekly Money newsletter here.





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