The coronavirus pandemic has affected every household in Scotland. Additional financial pressures are being felt by thousands, especially those placed on furlough, put on unpaid leave, on a reduced salary or made redundant.
It's important for everyone to understand what financial resources are available to them - even First Minister, Nicola Sturgeon, has been encouraging Scots to check that they are receiving all the welfare support they are entitled to.
The problem is that a lot of people believe that advice like this means applying for Universal Credit and automatically assume they won't qualify for the state-funded benefit - but there is other support out there. Universal Credit is an umbrella term for the payment that is replacing