A new television and advert campaign aimed at highlighting the help available for people struggling with debt, has been launched by the Scottish Government.
The Debt Arrangement Scheme (DAS) is an initiative which helps people to pay back their debts over a reasonable period of time, based on the amount they owe and their current financial position.
DAS stops creditors using debt enforcement action and safeguards people's homes- as long as they keep up mortgage repayments.
Recent changes to the scheme means it also now freezes interest, fees and charges to prevent debts mounting up.
"The Scottish Government continues to take action, where it can, to address these problems and introduce measures to help those people in Scotland who are struggling under the burden of debt.
"The Debt Arrangement Scheme is the only government-backed scheme to help people pay back their debts in a dignified way, protecting them from the threat of action by their creditors.
"Our aim with this campaign is to raise awareness of DAS which helps people faced with the difficulties of debt to take control of their finances and get help out of the hole."
From October next year shoppers in Scotland will have to pay 5p for carrier bags, Environment Secretary Richard Lochhead has announced.
The charge will be applied to all forms of carrier bags- not just plastic ones.
Mr Lochhead said that Scots use around 750 million bags every year and says the new scheme will show that the Scottish Government is taking "decision action" to cut down on the amount of bags being thrown out.
The proceeds from the bag charges will go to charity, with good causes expected to receive up to £5 million as a result of the scheme.
"Discarded carrier bags highlight our throwaway society. We use more carrier bags per head in Scotland than any other part of the UK and this is unsustainable.
"Carrier bags are a highly visible aspect of litter and we are taking decisive action to decrease their number. By reducing the amount being carelessly discarded we can cut litter and its impact on our environment and economy.
"A small charge should also encourage us all to stop and think about what we discard and what can be re-used.
"We have seen elsewhere that carrier bag charging has been effective in encouraging people to reuse bags.
"This charge is not a tax but will see retailers donating the proceeds to charity - this could be up to £5 million per year after retailers have covered their costs.
"Thousands of Scottish people already use bags for life and some retailers already charge. It is now time, however, for a national effort."
People in South West Scotland will be getting a brand new hospital, at a cost of £200 million.
The Scottish Government has agreed to the plan from the local NHS trust.
Matthew Taylor reports.
The Scottish Government have approved a business plan for a £200 million hospital to be built near to the A75 in Dumfries.
It will provide 350 beds and is due be completed in five years.
The Scottish health secretary, Alex Neil, said it would provide high quality health care services for the people of Dumfries and Galloway.
The campaign aimed at getting Scots to say yes to independence has revealed it has received over £1.7 million in donations.
£1,000,000 came from a couple who won the lottery.
The news comes on the same day a House of Lords committee criticised politicians on both sides of the debate, for failing to spell out the full consequences of the vote, whatever the outcome.
Kathryn Samson has this report:
The Cabinet Secretary for Finance, John Swinney, has been commenting on the latest report from Westminster on Scottish Independence:
"It will be no surprise to people across Scotland that out of touch unelected Lords think Scotland is too small and too poor.
“All the evidence, including in this report, shows Scotland is in a far stronger financial position than the UK as a whole.
"What the Lords fail to mention is that a No vote would see Scots, within the UK, responsible for over two trillion pounds of debt and liabilities worth 145% of GDP, significantly more than an independent Scotland would face under any calculation."
The Lords Economic Affairs Committee has criticised the UK and Scottish Governments for failing to be open with Scottish voters about the economic impact of a ‘Yes’ vote to Scottish independence in the 2014 referendum.
“We took evidence from both Governments, other key politicians, a wide range of businessmen, and business organisations, academics and other economic experts. Our Report is based on their evidence.
"Nearly all of them shared our concerns."
"We hope that our report provides a road map for all the key issues – single market, division of assets and liabilities, North Sea oil, currency, taxation and debt, international issues including membership of the EU and defence."
Firm proposals on the future of Sheriff Courts in Peebles, Duns and Kirkcudbright will be revealed today.
The Scottish Courts Service says it needs to reduce the number of court buildings to save money after a twenty per cent reduction in its budget.
The Justice of the Peace Court in Annan is also under threat of closure.
Opponents argue that visible access to local justice will be compromised.
There are also concerns that many people living in rural areas will struggle with transport costs.
A final decision on court closures will be taken by the Scottish Government.
Civil servants are striking outside of the Scottish Government headquarters ahead of the budget.
It is thought that up to 250,000 Public and Commercial Services union (PCS) members could walk out today in protest over pensions, pay and working conditions.
The Scottish Government is being urged to get the single police force 'back on track' before it launches next month.
The Liberal Democrats say a power struggle between the Chief Constable and the Scottish Police Authority (SPA) over who will control staff in the new service has not been resolved.
Scotland's eight police forces will merge into one on April 1st.
Speaking ahead of a Holyrood Debate on this afternoon, Liberal Democrat Justice Spokeswoman Alison McInnes said:
"The power struggle with the SPA has been allowed to drag on for months with staff none the wiser over who will ultimately have responsibility for human resources or finances.
"I'm concerned that the ongoing battle of wills is going to hinder the new police force in carrying out its duties.
"Scottish Liberal Democrats are asking the Scottish Government to review whether the legislation could be amended now to ensure success for the new single force."