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If you are disabled you may be entitled to a reduction or exemption of vehicle tax. The vehicle must be registered in your name or a specific driver’s name and must only be used for your personal needs.

You can apply for exemption if you get the:

• higher rate mobility component of Disability Living Allowance (DLA)
• Enhanced rate mobility component of Personal Independence Payment (PIP)
• enhanced rate mobility component of  Adult Disability Payment – mygov.scot
• War Pensioner’s Mobility Supplement
• Armed Forces Independence Payment

You can get a 50% reduction in vehicle tax if you get the Personal Independence Payment or Adult Disability Payment standard rate mobility component Adult Disability Payment – mygov.scot

You can find out more here Vehicles exempt from vehicle tax – GOV.UK (www.gov.uk)

Energy costs used to be a worry in winter but now bills can be a challenge all year round.

The good news is there are different grants and schemes available to help people improve the heating in their homes and keep heating costs down.

Home Energy Scotland is a free energy advice service funded by the Scottish Government to help people save money and keep their homes warmer. They offer simple energy saving tips, and know about funding schemes and how to access them.

Their website Home Energy Scotland offers help with finding funding, reducing your bills, making your home warmer and living a greener life. You can call them on  0808 808 2282