It is important to understand that the current state of Scotland's finances, when almost all revenue and taxes raised go to Westminster,y decide how much we are going to get back, bears little or no relation to how the economy would fair under Independence. Under the Barnett Formula if there are cuts to the Education, Welfare or Health Budgets for England and Wales (because of the Tories' austerity policies) then the Scottish Budget is cut too, The Scottish Government has no control or influence over how much their block grant will be from year to year. They are at liberty to increase, say, spending on Education, but in order to do so they must make savings or cuts elsewhere. If Scotland were Independent then all taxes, revenues, duties and such things as Oil Licences would go direct to the treasury in Edinburgh and could be spent, saved or invested as the SG saw fit. Currently Scotland is bound to spend within the limits of the block grant - any surplus left over at year end must be returned to the UK treasury and they are not allowed to borrow money, issue bonds, etc. This makes it extremely difficult to plan ahead or invest in infrastructure which will eventually help the economy.
Legislation has been passed by the SG this week, which sets out the path towards a future referendum. NS is aiming for a late 2020 date, when (surely) we will know if the UK is In or Out of Europe.