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    Labour MP blasts ‘coked-up yobbery’ of far right protestors as she hits out at ‘disaster’ of asylum hotels

    Labour MP blasts ‘coked-up yobbery’ of far right protestors as she hits out at ‘disaster’ of asylum hotels

    Blow for Scottish Conservatives as MSP quits party in protest at ‘reactionary politics’

    Blow for Scottish Conservatives as MSP quits party in protest at ‘reactionary politics’

    SNP Government ‘failing stroke patients’ as average treatment waiting time over two hours

    SNP Government ‘failing stroke patients’ as average treatment waiting time over two hours

    MSP demands Donald Trump pay up to cover costs of policing for Scottish visit

    MSP demands Donald Trump pay up to cover costs of policing for Scottish visit

    Glasgow domestic waste sent to Spain as part of SNP council recycling drive

    Glasgow domestic waste sent to Spain as part of SNP council recycling drive

    Scots selling counterfeit goods less likely to face prosecution as conviction rate plummets

    Scots selling counterfeit goods less likely to face prosecution as conviction rate plummets

    Librarian cuts at Glasgow schools will ‘rob kids of opportunities’ as SNP Government urged to intervene

    Librarian cuts at Glasgow schools will ‘rob kids of opportunities’ as SNP Government urged to intervene

    Nicola Sturgeon agrees to TV special as ex-SNP leader to be grilled on ‘striking revelations’ in new book

    Nicola Sturgeon agrees to TV special as ex-SNP leader to be grilled on ‘striking revelations’ in new book

    Donald Trump diary reveals exact time he will arrive in Scotland

    Donald Trump diary reveals exact time he will arrive in Scotland

    Scots ‘forced to wait years’ for hernia operations as NHS struggles to meet demand

    Scots ‘forced to wait years’ for hernia operations as NHS struggles to meet demand

    System must work to protect public as report finds chances missed with Southport killer

    System must work to protect public as report finds chances missed with Southport killer

    NHS in Scotland ‘stuck in analogue age’ as health boards shell out millions on pagers

    NHS in Scotland ‘stuck in analogue age’ as health boards shell out millions on pagers

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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’

    • Sports
      Raging Fabrizio Romano fires back at fan for branding him a ‘fraud’

      Raging Fabrizio Romano fires back at fan for branding him a ‘fraud’

      Scotland’s plunging coefficient faces threat from Sweden as Champions League abyss awaits

      Scotland’s plunging coefficient faces threat from Sweden as Champions League abyss awaits

      Rangers brutally mocked by Belgian big mouth as rebuilding Brugge told UCL rivals aren’t ‘serious’

      Rangers brutally mocked by Belgian big mouth as rebuilding Brugge told UCL rivals aren’t ‘serious’

      Jamie Vardy handed Celtic transfer pitch as two deals reach endgame

      Jamie Vardy handed Celtic transfer pitch as two deals reach endgame

      Etienne Youte breaks cover as Celtic issued Jakob Breum red flag before key transfer deadline

      Etienne Youte breaks cover as Celtic issued Jakob Breum red flag before key transfer deadline

      Lyall Cameron slammed for ‘disrespect’ as Rangers new boy comes under fire for Dundee ‘jibes’

      Lyall Cameron slammed for ‘disrespect’ as Rangers new boy comes under fire for Dundee ‘jibes’

      Celtic risk blowing £1.6m transfer windfall as defensive duo head out on loan – Parkhead news bulletin

      Celtic risk blowing £1.6m transfer windfall as defensive duo head out on loan – Parkhead news bulletin

      Prince William’s firm five-word statement to Chloe Kelly about Euros goal uncovered by lip reader

      Prince William’s firm five-word statement to Chloe Kelly about Euros goal uncovered by lip reader

      Kieran Tierney genius exposes ‘sloppy’ Ajax as Celtic earn rival acclaim despite Como Cup hammering

      Kieran Tierney genius exposes ‘sloppy’ Ajax as Celtic earn rival acclaim despite Como Cup hammering

      Andrej Bacanin makes Celtic transfer intentions clear amid Rangers claim as direct link with Lennon Miller emerges

      Andrej Bacanin makes Celtic transfer intentions clear amid Rangers claim as direct link with Lennon Miller emerges

      Rangers strongest XI for Panathinaikos as Thelo Aasgaard injury blow opens door for Euro history-maker

      Rangers strongest XI for Panathinaikos as Thelo Aasgaard injury blow opens door for Euro history-maker

      Celtic could ‘renew interest’ in Evan Ferguson as transfer hijack follows Yamada hint and Ambrosino U turn

      Celtic could ‘renew interest’ in Evan Ferguson as transfer hijack follows Yamada hint and Ambrosino U turn

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        Shoppers leave Sky for ‘easy to use’ TV recorder that lets you watch telly for free

        Shoppers leave Sky for ‘easy to use’ TV recorder that lets you watch telly for free

        Google Pixel 10 pre-orders go live with up to £700 off from Sky, O2, Amazon and EE

        Google Pixel 10 pre-orders go live with up to £700 off from Sky, O2, Amazon and EE

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        Tech fans say ‘brilliant fit’ £18 noise cancelling earbuds work ‘as well as Apple Airpods’

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        Tech fans rush to buy £30 Acer Chromebook tablet that is ‘perfect for work and play’

        Apple fans rush to buy MacBook for only £99 after 54% price slash

        Apple fans rush to buy MacBook for only £99 after 54% price slash

      • Health
        Jessie J postpones UK tour and cancels US gigs amid ongoing cancer battle

        Jessie J postpones UK tour and cancels US gigs amid ongoing cancer battle

        Boots protein powder shoppers say ‘takes away cravings and cuts bloating’

        Boots protein powder shoppers say ‘takes away cravings and cuts bloating’

        Changing the way you walk could help knee arthritis and delay surgery

        Changing the way you walk could help knee arthritis and delay surgery

        Nicotine pouches packaged like kid’s sweets sold in Glasgow shop

        Nicotine pouches packaged like kid’s sweets sold in Glasgow shop

        Tesco recalls popular beauty and skincare product over nasty infection risk

        Tesco recalls popular beauty and skincare product over nasty infection risk

      • Entertainment
        DWP warning to people on State Pension, PIP or other benefits using a mobile phone

        DWP warning to people on State Pension, PIP or other benefits using a mobile phone

        DWP urges people in their 60s to check State Pension age before changes start next year

        DWP urges people in their 60s to check State Pension age before changes start next year

        ‘Attractive’ £100 fire pit that’s ideal for long summer nights drops to £44

        ‘Attractive’ £100 fire pit that’s ideal for long summer nights drops to £44

        Triple drawer air fryer that ‘cooks to perfection’ gets £40 price slash in limited time sale

        Triple drawer air fryer that ‘cooks to perfection’ gets £40 price slash in limited time sale

        Sainsbury’s ‘gorgeous’ £25 jacket shoppers say is ‘good for all weather’

        Sainsbury’s ‘gorgeous’ £25 jacket shoppers say is ‘good for all weather’

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        The top state schools in Wales for GCSE results

        The top state schools in Wales for GCSE results

        Cardiff releases GCSE grades as city schools beat Wales-wide results

        Cardiff releases GCSE grades as city schools beat Wales-wide results

        Swansea schools beat Wales average for A-level results

        Swansea schools beat Wales average for A-level results

        Of the 67 paramedics trained in Wales this year, only 20 have been given jobs

        Of the 67 paramedics trained in Wales this year, only 20 have been given jobs

        Schoolgirl achieved something incredible and made everyone proud

        Schoolgirl achieved something incredible and made everyone proud

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        Labour MP blasts ‘coked-up yobbery’ of far right protestors as she hits out at ‘disaster’ of asylum hotels

        Labour MP blasts ‘coked-up yobbery’ of far right protestors as she hits out at ‘disaster’ of asylum hotels

        Blow for Scottish Conservatives as MSP quits party in protest at ‘reactionary politics’

        Blow for Scottish Conservatives as MSP quits party in protest at ‘reactionary politics’

        SNP Government ‘failing stroke patients’ as average treatment waiting time over two hours

        SNP Government ‘failing stroke patients’ as average treatment waiting time over two hours

        MSP demands Donald Trump pay up to cover costs of policing for Scottish visit

        MSP demands Donald Trump pay up to cover costs of policing for Scottish visit

        Glasgow domestic waste sent to Spain as part of SNP council recycling drive

        Glasgow domestic waste sent to Spain as part of SNP council recycling drive

        Scots selling counterfeit goods less likely to face prosecution as conviction rate plummets

        Scots selling counterfeit goods less likely to face prosecution as conviction rate plummets

        Librarian cuts at Glasgow schools will ‘rob kids of opportunities’ as SNP Government urged to intervene

        Librarian cuts at Glasgow schools will ‘rob kids of opportunities’ as SNP Government urged to intervene

        Nicola Sturgeon agrees to TV special as ex-SNP leader to be grilled on ‘striking revelations’ in new book

        Nicola Sturgeon agrees to TV special as ex-SNP leader to be grilled on ‘striking revelations’ in new book

        Donald Trump diary reveals exact time he will arrive in Scotland

        Donald Trump diary reveals exact time he will arrive in Scotland

        Scots ‘forced to wait years’ for hernia operations as NHS struggles to meet demand

        Scots ‘forced to wait years’ for hernia operations as NHS struggles to meet demand

        System must work to protect public as report finds chances missed with Southport killer

        System must work to protect public as report finds chances missed with Southport killer

        NHS in Scotland ‘stuck in analogue age’ as health boards shell out millions on pagers

        NHS in Scotland ‘stuck in analogue age’ as health boards shell out millions on pagers

        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
          Raging Fabrizio Romano fires back at fan for branding him a ‘fraud’

          Raging Fabrizio Romano fires back at fan for branding him a ‘fraud’

          Scotland’s plunging coefficient faces threat from Sweden as Champions League abyss awaits

          Scotland’s plunging coefficient faces threat from Sweden as Champions League abyss awaits

          Rangers brutally mocked by Belgian big mouth as rebuilding Brugge told UCL rivals aren’t ‘serious’

          Rangers brutally mocked by Belgian big mouth as rebuilding Brugge told UCL rivals aren’t ‘serious’

          Jamie Vardy handed Celtic transfer pitch as two deals reach endgame

          Jamie Vardy handed Celtic transfer pitch as two deals reach endgame

          Etienne Youte breaks cover as Celtic issued Jakob Breum red flag before key transfer deadline

          Etienne Youte breaks cover as Celtic issued Jakob Breum red flag before key transfer deadline

          Lyall Cameron slammed for ‘disrespect’ as Rangers new boy comes under fire for Dundee ‘jibes’

          Lyall Cameron slammed for ‘disrespect’ as Rangers new boy comes under fire for Dundee ‘jibes’

          Celtic risk blowing £1.6m transfer windfall as defensive duo head out on loan – Parkhead news bulletin

          Celtic risk blowing £1.6m transfer windfall as defensive duo head out on loan – Parkhead news bulletin

          Prince William’s firm five-word statement to Chloe Kelly about Euros goal uncovered by lip reader

          Prince William’s firm five-word statement to Chloe Kelly about Euros goal uncovered by lip reader

          Kieran Tierney genius exposes ‘sloppy’ Ajax as Celtic earn rival acclaim despite Como Cup hammering

          Kieran Tierney genius exposes ‘sloppy’ Ajax as Celtic earn rival acclaim despite Como Cup hammering

          Andrej Bacanin makes Celtic transfer intentions clear amid Rangers claim as direct link with Lennon Miller emerges

          Andrej Bacanin makes Celtic transfer intentions clear amid Rangers claim as direct link with Lennon Miller emerges

          Rangers strongest XI for Panathinaikos as Thelo Aasgaard injury blow opens door for Euro history-maker

          Rangers strongest XI for Panathinaikos as Thelo Aasgaard injury blow opens door for Euro history-maker

          Celtic could ‘renew interest’ in Evan Ferguson as transfer hijack follows Yamada hint and Ambrosino U turn

          Celtic could ‘renew interest’ in Evan Ferguson as transfer hijack follows Yamada hint and Ambrosino U turn

          Trending Tags

          • Technology
            Shoppers leave Sky for ‘easy to use’ TV recorder that lets you watch telly for free

            Shoppers leave Sky for ‘easy to use’ TV recorder that lets you watch telly for free

            Google Pixel 10 pre-orders go live with up to £700 off from Sky, O2, Amazon and EE

            Google Pixel 10 pre-orders go live with up to £700 off from Sky, O2, Amazon and EE

            Tech fans say ‘brilliant fit’ £18 noise cancelling earbuds work ‘as well as Apple Airpods’

            Tech fans say ‘brilliant fit’ £18 noise cancelling earbuds work ‘as well as Apple Airpods’

            Tech fans rush to buy £30 Acer Chromebook tablet that is ‘perfect for work and play’

            Tech fans rush to buy £30 Acer Chromebook tablet that is ‘perfect for work and play’

            Apple fans rush to buy MacBook for only £99 after 54% price slash

            Apple fans rush to buy MacBook for only £99 after 54% price slash

          • Health
            Jessie J postpones UK tour and cancels US gigs amid ongoing cancer battle

            Jessie J postpones UK tour and cancels US gigs amid ongoing cancer battle

            Boots protein powder shoppers say ‘takes away cravings and cuts bloating’

            Boots protein powder shoppers say ‘takes away cravings and cuts bloating’

            Changing the way you walk could help knee arthritis and delay surgery

            Changing the way you walk could help knee arthritis and delay surgery

            Nicotine pouches packaged like kid’s sweets sold in Glasgow shop

            Nicotine pouches packaged like kid’s sweets sold in Glasgow shop

            Tesco recalls popular beauty and skincare product over nasty infection risk

            Tesco recalls popular beauty and skincare product over nasty infection risk

          • Entertainment
            DWP warning to people on State Pension, PIP or other benefits using a mobile phone

            DWP warning to people on State Pension, PIP or other benefits using a mobile phone

            DWP urges people in their 60s to check State Pension age before changes start next year

            DWP urges people in their 60s to check State Pension age before changes start next year

            ‘Attractive’ £100 fire pit that’s ideal for long summer nights drops to £44

            ‘Attractive’ £100 fire pit that’s ideal for long summer nights drops to £44

            Triple drawer air fryer that ‘cooks to perfection’ gets £40 price slash in limited time sale

            Triple drawer air fryer that ‘cooks to perfection’ gets £40 price slash in limited time sale

            Sainsbury’s ‘gorgeous’ £25 jacket shoppers say is ‘good for all weather’

            Sainsbury’s ‘gorgeous’ £25 jacket shoppers say is ‘good for all weather’

          • Life Style
          • Travel
          • Education
            The top state schools in Wales for GCSE results

            The top state schools in Wales for GCSE results

            Cardiff releases GCSE grades as city schools beat Wales-wide results

            Cardiff releases GCSE grades as city schools beat Wales-wide results

            Swansea schools beat Wales average for A-level results

            Swansea schools beat Wales average for A-level results

            Of the 67 paramedics trained in Wales this year, only 20 have been given jobs

            Of the 67 paramedics trained in Wales this year, only 20 have been given jobs

            Schoolgirl achieved something incredible and made everyone proud

            Schoolgirl achieved something incredible and made everyone proud

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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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