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    Be honest about choices ahead as Starmer claims Swinney ‘insulting intelligence’ of Scots

    Be honest about choices ahead as Starmer claims Swinney ‘insulting intelligence’ of Scots

    Scots union boss warns Rachel Reeves ‘must pick a side’ ahead of Budget as households struggle

    Scots union boss warns Rachel Reeves ‘must pick a side’ ahead of Budget as households struggle

    Thousands of Scots pupils forced to learn in crumbling school buildings rated ‘bad’ or ‘poor’

    Thousands of Scots pupils forced to learn in crumbling school buildings rated ‘bad’ or ‘poor’

    Palestine’s ambassador to the UK to address SNP conference as peace deal hopes grow

    Palestine’s ambassador to the UK to address SNP conference as peace deal hopes grow

    Total freeze urged on Michelle Mone-linked assets including Scots properties after £122m PPE ruling

    Total freeze urged on Michelle Mone-linked assets including Scots properties after £122m PPE ruling

    Rachel Reeves decision to axe two-child benefit cap would impact millions of Scottish families

    Rachel Reeves decision to axe two-child benefit cap would impact millions of Scottish families

    Anas Sarwar’s woes are about to get worse but Labour still has path to victory

    Anas Sarwar’s woes are about to get worse but Labour still has path to victory

    Seagull summit goes ahead days after SNP minister was forced to quit in row over feathered menaces

    Seagull summit goes ahead days after SNP minister was forced to quit in row over feathered menaces

    Scotland becoming more intolerant amid immigration debate, warns Humza Yousaf

    Scotland becoming more intolerant amid immigration debate, warns Humza Yousaf

    Alexander Dennis to continue bus building in Scotland as SNP Government offers £4m furlough scheme

    Alexander Dennis to continue bus building in Scotland as SNP Government offers £4m furlough scheme

    Peter Mandelson facing sacking calls by SNP over links to paedophile Jeffrey Epstein

    Peter Mandelson facing sacking calls by SNP over links to paedophile Jeffrey Epstein

    Greyhound racing set for total ban in Scotland after ministers back MSP’s bill

    Greyhound racing set for total ban in Scotland after ministers back MSP’s bill

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    • 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
      Celtic women’s boss in eerie Brendan Rodgers echo as she sends board emphatic message

      Celtic women’s boss in eerie Brendan Rodgers echo as she sends board emphatic message

      Celtic activists escalate campaign to hit under-fire board in the pocket as they warn ‘not another penny’

      Celtic activists escalate campaign to hit under-fire board in the pocket as they warn ‘not another penny’

      Who the F is Danny Rohl? Anonymous claim about Rangers next manager favourite is anything but a wild rumour

      Who the F is Danny Rohl? Anonymous claim about Rangers next manager favourite is anything but a wild rumour

      Celtic fans take board aim in fresh banner protest at Parkhead as they tell supporters ‘give them hell’

      Celtic fans take board aim in fresh banner protest at Parkhead as they tell supporters ‘give them hell’

      Kasper Schmeichel call made as Celtic make three changes in predicted XI vs Motherwell

      Kasper Schmeichel call made as Celtic make three changes in predicted XI vs Motherwell

      Brendan Rodgers knows my one Celtic regret but he’s the best I’ve worked under and a true perfectionist

      Brendan Rodgers knows my one Celtic regret but he’s the best I’ve worked under and a true perfectionist

      Hearts chief demands ‘calm’ amid Rangers pile on as Celtic title tilt sparks knowing warning

      Hearts chief demands ‘calm’ amid Rangers pile on as Celtic title tilt sparks knowing warning

      Ex Man Utd star faces prison for failure to pay child maintenance

      Ex Man Utd star faces prison for failure to pay child maintenance

      Dermot Desmond to ‘take a lead’ in Celtic fan row and ditch golden rule for first time in three years

      Dermot Desmond to ‘take a lead’ in Celtic fan row and ditch golden rule for first time in three years

      Raging Ally McCoist slaughters Rangers chiefs for ‘unacceptable’ sin

      Raging Ally McCoist slaughters Rangers chiefs for ‘unacceptable’ sin

      Mikel Arteta claim about Ange Postecoglou rings louder than ever as Arsenal boss tosses rivalry aside

      Mikel Arteta claim about Ange Postecoglou rings louder than ever as Arsenal boss tosses rivalry aside

      Chris Sutton reacts to ‘misguided’ Celtic transfer declaration as UEFA spending cap claim torpedoed

      Chris Sutton reacts to ‘misguided’ Celtic transfer declaration as UEFA spending cap claim torpedoed

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      • Technology
        Apple unleashes M5 as ‘next big leap in AI’ but many ask ‘what’s the difference?’

        Apple unleashes M5 as ‘next big leap in AI’ but many ask ‘what’s the difference?’

        Pig’s liver transplanted to human in world first as medics declare ‘new era has started’

        Pig’s liver transplanted to human in world first as medics declare ‘new era has started’

        Xbox Game Pass ‘gets biggest update yet’ but could lead to ‘mass unsubscribing’ for one reason

        Xbox Game Pass ‘gets biggest update yet’ but could lead to ‘mass unsubscribing’ for one reason

        ‘Compact’ power bank that is ‘perfect for on the go’ drops to £29 in limited time deal

        ‘Compact’ power bank that is ‘perfect for on the go’ drops to £29 in limited time deal

        Sky Mobile throws in £210 freebies with Samsung’s new £9 Apple iPad rival

        Sky Mobile throws in £210 freebies with Samsung’s new £9 Apple iPad rival

      • Health
        Simple steroid creams ‘could help the body fight cancer’ in unexpected discovery

        Simple steroid creams ‘could help the body fight cancer’ in unexpected discovery

        Over a third of Brits lie about their drinking on medical forms, research shows

        Over a third of Brits lie about their drinking on medical forms, research shows

        NHS atorvastatin warning over common ‘nosebleed’ symptom

        NHS atorvastatin warning over common ‘nosebleed’ symptom

        NHS doctor shares common mistake people make at GP appointments

        NHS doctor shares common mistake people make at GP appointments

        ‘Our son, 18, died when curly hair hid deadly disease – now we’re taking action’

        ‘Our son, 18, died when curly hair hid deadly disease – now we’re taking action’

      • Entertainment
        Dunelm’s £15 milk frother is ‘game changer for morning coffees’ in cold weather

        Dunelm’s £15 milk frother is ‘game changer for morning coffees’ in cold weather

        Full list of New and Basic State Pension weekly payments due from April

        Full list of New and Basic State Pension weekly payments due from April

        New update on calls for weekly State Pension payments of £586 for people over 60

        New update on calls for weekly State Pension payments of £586 for people over 60

        DWP timeline for PIP eligibility changes for new and existing claimants

        DWP timeline for PIP eligibility changes for new and existing claimants

        Debenhams cuts price of ‘beautiful’ £845 watch perfect for Christmas gifting to £99

        Debenhams cuts price of ‘beautiful’ £845 watch perfect for Christmas gifting to £99

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        Welsh Government accused of being ‘asleep at the wheel’ on major reforms

        Welsh Government accused of being ‘asleep at the wheel’ on major reforms

        Tearful support worker denies grabbing student and colleague during fire drill

        Tearful support worker denies grabbing student and colleague during fire drill

        Police investigate alleged attack on boy at top Welsh secondary school

        Police investigate alleged attack on boy at top Welsh secondary school

        Welsh council explains how and when schools will search pupils for weapons

        Welsh council explains how and when schools will search pupils for weapons

        Best universities in Wales and the UK named in prestigious rankings

        Best universities in Wales and the UK named in prestigious rankings

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        Be honest about choices ahead as Starmer claims Swinney ‘insulting intelligence’ of Scots

        Be honest about choices ahead as Starmer claims Swinney ‘insulting intelligence’ of Scots

        Scots union boss warns Rachel Reeves ‘must pick a side’ ahead of Budget as households struggle

        Scots union boss warns Rachel Reeves ‘must pick a side’ ahead of Budget as households struggle

        Thousands of Scots pupils forced to learn in crumbling school buildings rated ‘bad’ or ‘poor’

        Thousands of Scots pupils forced to learn in crumbling school buildings rated ‘bad’ or ‘poor’

        Palestine’s ambassador to the UK to address SNP conference as peace deal hopes grow

        Palestine’s ambassador to the UK to address SNP conference as peace deal hopes grow

        Total freeze urged on Michelle Mone-linked assets including Scots properties after £122m PPE ruling

        Total freeze urged on Michelle Mone-linked assets including Scots properties after £122m PPE ruling

        Rachel Reeves decision to axe two-child benefit cap would impact millions of Scottish families

        Rachel Reeves decision to axe two-child benefit cap would impact millions of Scottish families

        Anas Sarwar’s woes are about to get worse but Labour still has path to victory

        Anas Sarwar’s woes are about to get worse but Labour still has path to victory

        Seagull summit goes ahead days after SNP minister was forced to quit in row over feathered menaces

        Seagull summit goes ahead days after SNP minister was forced to quit in row over feathered menaces

        Scotland becoming more intolerant amid immigration debate, warns Humza Yousaf

        Scotland becoming more intolerant amid immigration debate, warns Humza Yousaf

        Alexander Dennis to continue bus building in Scotland as SNP Government offers £4m furlough scheme

        Alexander Dennis to continue bus building in Scotland as SNP Government offers £4m furlough scheme

        Peter Mandelson facing sacking calls by SNP over links to paedophile Jeffrey Epstein

        Peter Mandelson facing sacking calls by SNP over links to paedophile Jeffrey Epstein

        Greyhound racing set for total ban in Scotland after ministers back MSP’s bill

        Greyhound racing set for total ban in Scotland after ministers back MSP’s bill

        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
          Celtic women’s boss in eerie Brendan Rodgers echo as she sends board emphatic message

          Celtic women’s boss in eerie Brendan Rodgers echo as she sends board emphatic message

          Celtic activists escalate campaign to hit under-fire board in the pocket as they warn ‘not another penny’

          Celtic activists escalate campaign to hit under-fire board in the pocket as they warn ‘not another penny’

          Who the F is Danny Rohl? Anonymous claim about Rangers next manager favourite is anything but a wild rumour

          Who the F is Danny Rohl? Anonymous claim about Rangers next manager favourite is anything but a wild rumour

          Celtic fans take board aim in fresh banner protest at Parkhead as they tell supporters ‘give them hell’

          Celtic fans take board aim in fresh banner protest at Parkhead as they tell supporters ‘give them hell’

          Kasper Schmeichel call made as Celtic make three changes in predicted XI vs Motherwell

          Kasper Schmeichel call made as Celtic make three changes in predicted XI vs Motherwell

          Brendan Rodgers knows my one Celtic regret but he’s the best I’ve worked under and a true perfectionist

          Brendan Rodgers knows my one Celtic regret but he’s the best I’ve worked under and a true perfectionist

          Hearts chief demands ‘calm’ amid Rangers pile on as Celtic title tilt sparks knowing warning

          Hearts chief demands ‘calm’ amid Rangers pile on as Celtic title tilt sparks knowing warning

          Ex Man Utd star faces prison for failure to pay child maintenance

          Ex Man Utd star faces prison for failure to pay child maintenance

          Dermot Desmond to ‘take a lead’ in Celtic fan row and ditch golden rule for first time in three years

          Dermot Desmond to ‘take a lead’ in Celtic fan row and ditch golden rule for first time in three years

          Raging Ally McCoist slaughters Rangers chiefs for ‘unacceptable’ sin

          Raging Ally McCoist slaughters Rangers chiefs for ‘unacceptable’ sin

          Mikel Arteta claim about Ange Postecoglou rings louder than ever as Arsenal boss tosses rivalry aside

          Mikel Arteta claim about Ange Postecoglou rings louder than ever as Arsenal boss tosses rivalry aside

          Chris Sutton reacts to ‘misguided’ Celtic transfer declaration as UEFA spending cap claim torpedoed

          Chris Sutton reacts to ‘misguided’ Celtic transfer declaration as UEFA spending cap claim torpedoed

          Trending Tags

          • Technology
            Apple unleashes M5 as ‘next big leap in AI’ but many ask ‘what’s the difference?’

            Apple unleashes M5 as ‘next big leap in AI’ but many ask ‘what’s the difference?’

            Pig’s liver transplanted to human in world first as medics declare ‘new era has started’

            Pig’s liver transplanted to human in world first as medics declare ‘new era has started’

            Xbox Game Pass ‘gets biggest update yet’ but could lead to ‘mass unsubscribing’ for one reason

            Xbox Game Pass ‘gets biggest update yet’ but could lead to ‘mass unsubscribing’ for one reason

            ‘Compact’ power bank that is ‘perfect for on the go’ drops to £29 in limited time deal

            ‘Compact’ power bank that is ‘perfect for on the go’ drops to £29 in limited time deal

            Sky Mobile throws in £210 freebies with Samsung’s new £9 Apple iPad rival

            Sky Mobile throws in £210 freebies with Samsung’s new £9 Apple iPad rival

          • Health
            Simple steroid creams ‘could help the body fight cancer’ in unexpected discovery

            Simple steroid creams ‘could help the body fight cancer’ in unexpected discovery

            Over a third of Brits lie about their drinking on medical forms, research shows

            Over a third of Brits lie about their drinking on medical forms, research shows

            NHS atorvastatin warning over common ‘nosebleed’ symptom

            NHS atorvastatin warning over common ‘nosebleed’ symptom

            NHS doctor shares common mistake people make at GP appointments

            NHS doctor shares common mistake people make at GP appointments

            ‘Our son, 18, died when curly hair hid deadly disease – now we’re taking action’

            ‘Our son, 18, died when curly hair hid deadly disease – now we’re taking action’

          • Entertainment
            Dunelm’s £15 milk frother is ‘game changer for morning coffees’ in cold weather

            Dunelm’s £15 milk frother is ‘game changer for morning coffees’ in cold weather

            Full list of New and Basic State Pension weekly payments due from April

            Full list of New and Basic State Pension weekly payments due from April

            New update on calls for weekly State Pension payments of £586 for people over 60

            New update on calls for weekly State Pension payments of £586 for people over 60

            DWP timeline for PIP eligibility changes for new and existing claimants

            DWP timeline for PIP eligibility changes for new and existing claimants

            Debenhams cuts price of ‘beautiful’ £845 watch perfect for Christmas gifting to £99

            Debenhams cuts price of ‘beautiful’ £845 watch perfect for Christmas gifting to £99

          • Life Style
          • Travel
          • Education
            Welsh Government accused of being ‘asleep at the wheel’ on major reforms

            Welsh Government accused of being ‘asleep at the wheel’ on major reforms

            Tearful support worker denies grabbing student and colleague during fire drill

            Tearful support worker denies grabbing student and colleague during fire drill

            Police investigate alleged attack on boy at top Welsh secondary school

            Police investigate alleged attack on boy at top Welsh secondary school

            Welsh council explains how and when schools will search pupils for weapons

            Welsh council explains how and when schools will search pupils for weapons

            Best universities in Wales and the UK named in prestigious rankings

            Best universities in Wales and the UK named in prestigious rankings

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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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