And finally…Fifth of Scots keep partners in the dark over debt

The study, conducted on behalf of the Debt Advisory Centre, found nearly two-thirds of Scots in a relationship have unsecured debt, with £3400 the average amount owed.

It found 17 per cent of those questioned said their partner is not aware of the full extent of their borrowing.

And almost one in ten (7 per cent) admitted they do not know if their partner has any unsecured debt.

More than a third of respondents said they hide debt out of embarrassment, however money experts advised couples to be open about their finances.

Melanie Taylor, spokeswoman for the Debt Advisory Centre, said: “Discussing finances, especially debts, can be daunting, especially in a new relationship. However, hiding debt from your spouse or fiance is storing up a problem that could seriously threaten the future security and happiness of both of you.

“Once plans turn to marriage, it’s essential that you understand each other’s financial position and that includes any debt that you bring into the marriage.

“I would advise setting aside time to go through your finances together and to put in place clear plans to manage money, including household budgeting and paying off debt.

“And if you are worried about the amount that you owe, then seek professional advice together. Feeling worried about money is bound to seep into your relationship, so don’t struggle on your own.”

Almost two-thirds of those who plan to get married said they owe money on credit cards, loans and overdrafts.

And almost a third of Scots who are married or planning to get married said they do feel it is important to tell their partner about their debts at all.

The research, carried out by Red Dot, questioned 2,000 adults aged 18 and over between July 17 and July 23, of whom 634 were Scottish residents.