The advice given is tailored to individual needs, regardless of income. The scheme can also benefit Universal Credit claimants who are finding it difficult to manage a monthly payment as Total Money Makeover can help them to find out how to ensure their monthly payment lasts for the full month.

The scheme was launched during Talk Money Week, an annual event which aims to get more people talking about money, and Future Skills took their new service on the road to showcase the help provided. This included a stall at Greenock Tesco, Central Library and at the Job Centre Plus.

Heather Mitchell, inclusive communities manager at River Clyde Homes, who manages the service, said: “Total Money Makeover is a new, fun and informative way to look at budgeting. We’re not here to lecture you on what you can and can’t spend but will work alongside you to make the most of your money and find out how to save for the things you want to do. We welcome any Inverclyde resident to have a Total Money Makeover and see how we can make life easier. If you are claiming Universal Credit and struggling then please get in touch with us today.”

Future Skills has been established in Inverclyde since 2014 and has long supported the residents of Inverclyde with digital skills. The service is funded by Inverclyde Council, River Clyde Homes, Oak Tree Housing Association, Cloch Housing Association and Larkfield Housing Association.