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A Citizens Advice report claims there are about half a million cases of people not claiming all the support to which they are entitled.
The Scottish Government is urging low-income families in Argyll and Bute to kick-start 2019 by finding out how they can maximise their income and reduce costs.
Offering free, impartial advice and support, the Financial Health Check is a one-stop personalised service on money matters.
One call to the free helpline is all it takes for families to find out what they are entitled to.
Low-income families in Argyll and Bute could benefit from the service from the Citizens Advice Network in Scotland and funded by the Scottish government.
People can access it by calling the free helpline on 0800 085 7145.
Hundreds have already been offered free financial advice since the Financial Health Check was launched last November.