Things are tough just now. That’s why the Money Talk Team are here, They can help you find out what benefits you may be entitled to and how to save money on household bills. They can also advise on debt and other financial support available to families in Scotland. As well as providing online advice on the Money Talk Team website, they can also be reached by phone on 0800 028 1456 or via their chatbot. Or you can visit your local Citizens Advice Bureau for in person support.
Who are the Money Talk Team?
We all know that being a parent can cost a lot of money. If you’re struggling to make your money last to the end of the week or month or you’re worried about how you’ll pay your bills or manage your debts, you’re definitely not alone.
That’s why the Citizens Advice Network in Scotland are offering families the opportunity to get a little help from the Money Talk Team. It’s nothing scary, just a chat with their friendly advisers to see what you might be entitled to, and advice to help you make the most of your money. They’ll check whether you’re getting as much income as you possibly could, and help find ways that you could pay out less each month, like:
- Ways you might be able to save cash.
- Claiming benefits you might not know you’re entitled to.
- Grants or exemptions you may be entitled to.
- Ways to manage debt.
If you have any money worries, or if you’re in debt and you want some advice, the Money Talk Team can help you find the best way forward.
The Money Talk Team is funded by the Scottish Government.
In this short video, Money Talk Team Advisor Jamie Martin from Pollok in Glasgow, explains how his organisation can provide free money and debt advice to help families maximise their income.
Who can access the Money Talk Team?
Anyone. You can go online at MoneyTalkTeam.org, talk to the team on the phone, chat with their virtual assistant or set up a meeting to pop in to your local Citizens Advice Bureau.
There are lots of different grants, benefits and exemptions for parents across Scotland and we want to make sure you are making the most of them. So, no matter whether you have a small or large family, a new family, a single parent family, or are a parent of a child with disabilities – there could be something to help you.
How do I get in touch?
It’s free, easy and confidential to call the Money Talk Team. You can access online advice at MoneyTalkTeam.org or call the freephone number 0800 028 1456 for a chat. You can also talk to their virtual assistant, or pop in to your local Citizens Advice Bureau.
You can find out more about contacting the Money Talk Team here.
Some common questions
What money issues can an adviser help me with?
What money issues can an adviser help me with?
How long does it take?
How long does it take?
Do I need to have any bills or bank statements ready?
Do I need to have any bills or bank statements ready?
Will I need to have a credit check?
Will I need to have a credit check?
What happens if I should be claiming any benefits/grants/entitlements?
What happens if I should be claiming any benefits/grants/entitlements?
Do I get to backdate any benefits/grants/entitlements I am owed?
Do I get to backdate any benefits/grants/entitlements I am owed?
Will benefits be taken away from me?
Will benefits be taken away from me?
Can the Money Talk Team help me with Universal Credit?
Can the Money Talk Team help me with Universal Credit?
Who are the Citizens Advice Network in Scotland?
Who are the Citizens Advice Network in Scotland?
What parents are saying about the Money Talk Team
“Without your help I would have struggled a lot and been really stressed… The information we got was the best and boosted my confidence.”
“Fast service and advice given, gave me confidence to apply for benefits.”
“Thank you for all your help, I could not have filled in the form myself and we have now gotten the allowance”.
“Thanks to my local [Citizens Advice] bureau, myself and my partner are now receiving our correct benefit payments which has helped us tremendously through the most difficult time of our lives.”
“My everyday life has been made so much easier going forward thanks to the advisor helping me claim the correct benefits.”

Cost of living support
You can find more advice on coping with increasing energy bills, managing rent, support for families, health and wellbeing and benefits and one-off payments and more at gov.scot/costoflivingsupport