I'm fundraising for Money Advice Scotland because everyone deserves access to free, independent advice when they're struggling with money or debt. Financial difficulties can affect anyone. A change in circumstances, illness, redundancy, rising living costs, or an unexpected crisis can quickly leave people feeling overwhelmed. For many, debt doesn't just affect their finances – it impacts their mental health, relationships, confidence and overall wellbeing. Money Advice Scotland works to improve the lives of people across Scotland by supporting the delivery of free, high-quality money advice and helping advisers develop the skills they need to support those facing financial hardship. Through training, education and partnership working, they help ensure that people can access the advice they need when they need it most. Every donation, no matter how small, will help support this important work and contribute to a future where everyone has access to trusted money advice. Thank you so much for your support – it really does make a difference.