Citizens Advice Scotland says almost half of households have cut back on spending as energy bills soar.
Motorists have been urged to drive with care as Arctic air brings treacherous conditions.
Aberdeenshire Council urged people to plan ahead if they are travelling over the weekend. Police in Dumfries and Galloway also warned drivers to be braced for the freezing temperatures.Network Rail said a normal train service was planned, but with cold temperatures expected into next week, a meeting would be held to assess the forecast in detail.
"This cold feel with remain into next week, with snow showers developing more widely by the end of the week."
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