Real support. Real change.
At Your Pay Your Way we help people take control of their money, build confidence, and create work that fits their lives.
We offer friendly, practical support through financial education and social enterprise workshops across Scotland.
No jargon, no lectures, no showing off with fancy business terms. Just real-world support to help you move forward to create your pay, your way. We're shaped by you, adapting our approach to meet you where you are and where you need us most.
Our Vision: to create an equitable Scotland where everyone, regardless of background or circumstance, has the knowledge, tools, and opportunity to take control of their future.
Our Story
Your Pay Your Way was born out of frustration......and hope.
We kept hearing the same kinds of comments again and again: “I can’t afford new school shoes for my kid,” while buying a takeaway. “There’s no money for electricity this week,” said over a pint in the pub. Why?
These were real people, doing their best, but trapped in cycles of poor financial decision making, not because they were irresponsible, but because no one had ever taught them any different.
We realised something important: people weren’t being given the tools they needed to manage money well. There was a glaring gap in financial education. Schools prepared young people for exams, but not for real life. You could leave school with qualifications but not know how to open a bank account, create a budget, or understand how to get a mortgage. Worse still, in communities facing multiple disadvantages, money habits were often passed down through generations with no space to learn new ones.
We're a social enterprise on a mission to change everything. We deliver practical, non-judgmental financial education that empowers people to take control of their money. Whether someone’s trying to make ends meet, pay off debt, or build a business, we’re here to help them do it on their terms with support, dignity, and real-life know-how.
Our programmes have evolved, now incorporating ways to make money as well as manage it, in the way we know best. Through the power of social enterprise, we've been helping individuals and communities create employment opportunities while changing the world.
