Millions of people all across the UK are concerned about money and in particular making rent or mortgage payments in the new Year.
Research has shown that around 3.2 million people are concerned about making their mortgage payments this January.
However, ignoring money worries rather than seeking proper advice or guidance could mean your home is put at risk.
Shelter Scotland help thousands of people over the festive period each year. They have produced helpful guides to what you can do if you find yourself unable to pay your rent or mortgage.
To find out more about rent arrears from Shelter, click here.
To find out more about mortgage arrears from Shelter, click here.