The end of another year inevitably brings with it a period of soul-searching and reflection over events which have touched and shaped our lives during the past 12 months.
Undoubtedly, 2021 has been another challenge for millions of households across Scotland and the rest of the UK due to the ongoing impact of the coronavirus pandemic, both personally and financially.
The health crisis has forced most of us to reassess our finances and take a deeper dive into our outgoings and with many people hoping to improve their credit score in the New Year, personal finance experts at Ocean Finance have created a handy guide highlighting 30 ways to improve it for good.
Read more on dailyrecord.co.uk
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