Day: March 26, 2022

Spring Forward: Personal finance expert shares daylight savings tips

Personal Finance Expert at CashLady.com, Paul Wilson, has released eight tips to help save money during the warmer weather and longer nights.

We’ve all been there – at the first signs of summer, we rush to a beer garden with friends or splurge on picnic supplies without a second thought. However, with months of sunshine and lighter evenings to come, it’s important to not get ahead of ourselves and spend beyond our means.

There are lots of little things you can do to make your money go further as Daylight Savings begins and the days get longer, and you’ll soon find that you can budget effectively whilst still having fun.

1. Waste less food

With the warmer weather incoming, who doesn’t enjoy a spontaneous picnic in the park? However, over-buying food can lead to an increase in food waste. According to recycling charity WRAP, the UK throws away 6.6 million tonnes of food waste a year- three-quarters of which could have been eaten.

Save your money and save the planet by packaging up any food you buy and repurposing it later as leftovers.

Stick firmly to use-by dates, but for items with best-before dates, trusting your taste and smell to determine food is still good to eat rather than rigidly sticking to the dates means your food stretches further, and so do your finances.

2. Round up your savings

One of the most commonly used methods of saving money is the ‘skimming’ method, where each time you get money into your account, you automatically ‘skim’ some off the top and deposit it straight into a savings account – acting as though it never existed.

Banking providers such as Monzo offer ‘pots’ where you can deposit money into separate locked away ‘pots’ and see your main funds separately. Throughout Daylight Savings, you could set a goal of depositing spare change into savings every time you spend, and by October you’ll be set for Winter.

3. Check your taxes

The tax year officially ends on the 5th of April, just one week after Daylight Savings begins, so now may be a good time to check your tax code with HMRC and ensure you are paying the right amount of tax.

If you’ve been overpaying on your tax for a period of time then you could be due a rebate, putting money straight back into your pocket.

4. Take advantage of the long nights

Instead of running home to escape the cold and curl up on the sofa, use extended daylight hours to enjoy the outdoors. You’ll save money on electricity by not running indoor lights and gadgets and benefit from the fresh air and sunshine.

After work, why not use these long nights to walk or cycle home if possible? Make use of the improved weather and save money on petrol, whilst also getting some easy exercise.

5. Keep track of your house’s heating

The return of Spring often brings with it sudden heat waves in stark contrast to freezing winter nights. Make sure that your thermostat has been adjusted for the weather, and that you’re not paying for automatic heating whilst you’re sweltering in the garden.

You can even go one step further and ensure that you’re getting the best possible deals with your energy provider by using comparison sites such as energyhelpline.com or uswitch.com.

6. Get cheap flights                                                                                                                                                           
Hotter weather and longer nights will have you lusting after a getaway before too long, and the temptation to book a spontaneous holiday might grow. If this sounds like you, make sure you’re getting the best possible deals on your trip by using price comparison sites and flight alerts.

Skyscanner allows you to search everywhere in the world for the cheapest destination and compare flight prices.

Making use of websites such as lastminute.com makes all the difference in saving your money for the actual holiday.

7. Dress smart

A new season may have you yearning to shop for new season clothes, but ask yourself – do you need to? Upcycling your old clothes and re-inventing your previously loved styles could save big bucks on unsustainable ASOS orders.

If you decide you do need some new styles, then try shopping in your local charity shop. Places like the British Heart Foundation even stock old Pretty Little Thing stock for less than half the original price!

 8. Save on nights out

An increase in socialising often leads to spending your money in pubs, bars and clubs. There are many ways to save when out partying, for example, only take cash on a night out.

This will stop you from tapping away on your card without really adding up what you’re spending. Use free ATMs and avoid buying rounds whilst you’re out to manage your budget effectively.

Paul Wilson is a consumer finance expert at Financial Conduct Authority authorised and regulated credit broker at Cash Lady.com

MSP welcomes increase in support for families across Edinburgh

Pentlands SNP MSP Gordon MacDonald has welcomed the package of measures announced yesterday by the Scottish Government to provide immediate support and break the cycle of child poverty for people across Edinburgh.

Shona Robison, the Cabinet Secretary for Social Justice, Housing and Local Government, announced an increase of a further £5 to the ‘game-changing’ Scottish Child Payment – bringing the total payment to £25 per week per child at the end of the year, following the increase to £20 next week.

This move will see the SNP Government’s package of five family benefits for low income families, including the increased Scottish Child Payment, now totalling over £10,000 to low income families by the time a first child turns 6, and £9,700 for subsequent children.

It directly benefits 7,995 of children across Edinburgh already in receipt of the payment.

In contrast, families in England and Wales receive less than £1,800 for the first child and under £1,300 for subsequent children.

The SNP Cabinet Secretary also announced: 

·         an increase in employment services with the aim of supporting up to 12,000 parents into fair and sustainable work, backed by investment of up to £81 million in 2022-23

·         investment of up to £15 million in a new fund to tackle the financial barriers parents face when they enter the labour market

·         immediate steps to mitigate the Tories’ Benefit Cap, which is impacting many families already struggling to make ends meet, backed by up to £10m 

It is estimated that, through these and current Scottish Government actions, 60,000 fewer children will be living in relative poverty in 2023/24 compared with 2017.


Gordon MacDonald said: “This package of measures to tackle child poverty is hugely welcome and the impact it will have on households across Edinburgh cannot be underestimated – increasing the Scottish Child Payment even further, to £25 per week per child, will make such a difference to families struggling to cope with the Tory cost of living crisis right now.

“This stands in stark contrast to the Tory Chancellor’s spring statement which utterly failed to provide any meaningful lifeline support for people across Edinburgh who are facing soaring energy bills and a cost of living crisis now – and that was a political choice.

“I am glad that families across Edinburgh have an SNP Scottish Government taking serious, life-changing action to protect them where it can within limited powers and a fixed budget. The significant parental employment package also announced will help people across Edinburgh into fair and sustainable work.

“Other political parties must now recognise the reality that whilst the SNP is doing what it can to put money in people’s pockets in Scotland and tackle poverty, Westminster is consistently undermining Scotland’s efforts through their damaging policy agenda.

“These actions from the Scottish Government make it crystal clear that Edinburgh and the people that live here, would be better off with independence and all the levers to tackle poverty and hardship.”

Disabled Livingston support worker ‘feels alive again’ thanks to dog walking mobility scooter

The joy of owning dogs has remained for Lorraine, 61 from Livingston, thanks to a disability beating off-road TGA Breeze mobility scooter nicknamed ‘Daisy’.

Living near Edinburgh, Lorraine is a former support worker for those with additional needs, who owns two characterful Goldendoodles Katie and Sophie. Walking her dogs is a massive part of her life so when she started to have mobility difficulties following cancer treatment side effects, Lorraine worried how Katie and Sophie would get the exercise they needed.

The answer appeared to be a mobility scooter however Lorraine needed one that could cope with going off road in the countryside, especially in the winter. The Murieston Trail right next to her home was a favourite walk that was now not possible especially as severe fatigue was a problem. She was having to conserve energy and couldn’t risk not being able to get home. The search for a scooter with high ground clearance and good suspension led to the TGA Breeze.

Lorraine spent months shielding at home. She lost her freedom which was hard to cope with as she explains: “In 2020 my back garden becomes my world. Not anymore, I have my freedom back and I don’t feel disabled. Why should I? Cancer was a setback, but I’d say not being able to go out is a bigger set back.

“A scooter gives you your life back. With Daisy I can go anywhere, she often comes back covered in mud when we’ve been out. The Scottish term is bogging. It is so important to be able to escape from whatever is in your head. Going out and seeing things around you takes your mind off worrying.

“Being outside, hearing the birds singing, breathing fresh air, it all takes you to a positive place. My scooter makes me feel alive again.

“Before I had to choose whether I went for short walks with my husband around the shops or to take the dogs out. I didn’t have the energy to do both. Now I can save energy on my scooter and still do other things.

“I have more energy reserves. I can go out in the car knowing the dogs have had a good walk. Katie and Sophie got used to walking next to me on my Breeze really quickly, they weren’t bothered at all as it is quiet.

“What does it feel like to drive a Breeze? Well, it’s stress-free independence, accessibility and not getting tired. I can get home without worrying I won’t make it. I couldn’t do this without my scooter. If you also look at it from a safety point of view, I can get back home quickly if needed.”

The TGA Breeze is an 8mph scooter that has been involved with world record attempts and appeared on BBC Top Gear.

It is popular with ramblers who need power and stability to tackle mud, puddles and uneven ground.

This performance gives Lorraine confidence around the shops or in the countryside and tends to surprise most people as she adds: “I see people’s reaction when I’m coming along a woodland trail and they think they’ll need to get out of the way but no, no, no, I can drive around them on the grass no bother.

“Time and again they have been so surprised thinking that I’m going to get stuck, no chance with my Breeze. I love seeing their faces when I do a sharp turn into the undergrowth. They have no idea what this baby can do!

“I think the design of the Breeze is spot on, it ticks so many boxes that other scooters do not. I would add Harry from TGA who supplied the scooter was so good, no hard sell at all. He just left me to make my own decisions, there was never any chasing on the phone.

“So many companies harangue you these days and won’t leave you alone. This always makes me think they know their product is not good. It’s clear TGA have confidence in their products. When buying a scooter, it can be an emotional time for people. Often, they are vulnerable and the last thing they want is a salesman on their back with a high-pressure pitch. I had no phone calls chasing me, TGA have been brilliant.”

The future for Lorraine is looking bright as she is keen to ‘extend her horizons’. She is hoping to get a trailer for her Breeze so she can tow it to their caravan on the coast at Dunbar.

Lorraine is also pro-actively getting barriers and gates adjusted by her local council so fellow scooter owners can access the many picturesque walks around Livingston. This reflects many other initiatives across the UK including Miles with Stiles and Access the Dales – both supported by TGA.

Lorraine concludes: “Getting fresh air is so important. You can do it on a car boot scooter and that’s ok, but with dogs and wanting to go off road you need something more substantial. 

“People should never look at having a scooter as a negative, there is no loss of dignity, not at all. Exactly the opposite. It’s all about finding new capabilities and opportunities.”

UK to provide vital food supplies to encircled Ukrainian cities

Foreign Secretary Liz Truss confirmed that the UK will provide Ukraine with £2 million in essential food supplies for people trapped by Russian advances

The UK is set to provide £2 million in vital food supplies for areas of Ukraine encircled by Russian forces, Foreign Secretary Liz Truss confirmed today (26 March).

The announcement comes following a direct request from the government of Ukraine, with the UK funding a rapid donation of dried food, tinned goods and water.

Warehouses in Poland and Slovakia are being readied to supply these goods to the government of Ukraine from early next week. Around 25 truckloads will then be transported by road and rail to the local Ukrainian communities in greatest need.

It is estimated over 12 million people are currently in need of humanitarian assistance across Ukraine, with the actual figure likely to be much higher.

This rapid donation is essential, with the window to reach towns and cities already encircled, as well as those at high risk, closing.

Foreign Secretary Liz Truss said: “This vital donation of food and supplies will help support the Ukrainian people in the face of Russia’s barbaric invasion.

“Our teams are working day and night with our Polish and Slovakian friends and the government of Ukraine to ensure those at most risk get the essential supplies they so badly need.”

Alice Hooper, FCDO Humanitarian Adviser said: “The need on the ground in Ukraine is clear, with so many people in encircled areas trapped in basements without access to food or water. Nearly 6 million children remain in Ukraine, many sheltering inside buildings which are coming under attack.

“We are working with partners at the borders to ensure these vital UK supplies reach the places they are needed most as quickly as possible.”

Access to food, water and cooking facilities for those trapped by Russian advances is becoming increasingly difficult, with people taking refuge in basements from shelling.

This latest donation comes as part of the £400 million committed by the UK, with £220 million of this on humanitarian aid.

The Foreign Secretary today announced the allocation of the first tranche of this funding, which will be shared amongst trusted humanitarian delivery partners on the ground, including:

  • £25 million to the UN Refugee Agency UNHCR to support surrounding countries to receive and care for refugees from the conflict
  • £20 million to the UN Office for the Coordination of Humanitarian Affairs (OCHA) and the OCHA-managed Ukraine Humanitarian Fund (UHF), to provide coordinated lifesaving humanitarian assistance, protection and basic services to those remaining in Ukraine
  • £10 million to International Federation of Red Cross and Red Crescent Societies to deliver healthcare and water, sanitation and hygiene provision amongst other support

Water Safety Action Plan for Scotland

New safety measures introduced to protect the public

Extra funding, improved signs and lesson plans for pupils are all part of a new Water Safety Action Plan. The plan has been drawn up by the Scottish Government and a range of key organisations following a number of tragic water deaths.

Partners on the Water Safety Stakeholder Group have committed to further develop partnership working to help prevent drownings and agreed a range of key actions including:

  • new water safety promotions targeted at areas with a higher risk of drowning, improved signage at popular locations including lochs and reservoirs and a risk assessment of beaches
  • additional funding of £60,000 for Water Safety Scotland to develop its co-ordination role for all organisations with an interest in water safety
  • roll-out of a drowning incident review scheme to ensure lessons are learned from all fatal and non-fatal incidents
  • lesson plans on water safety for pupils
  • continued development of the National Learn to Swim Framework delivered with local authorities
  • Scotland’s Water Safety Code developed to ensure consistency of public messages on key issues including hidden hazards and cold water shock
  • training for businesses and the public on how to use rescue equipment and review of 999 procedures

Community Safety Minister Ash Regan – who chaired the stakeholder group – said: “The Scottish Government takes water safety very seriously and this Action Plan includes a range of key steps agreed with our partners to further mitigate the risks from Scotland’s coastal and inland waters.

“Scotland’s beaches, rivers, reservoirs and lochs are amongst our finest natural resources, but beautiful as they are they can be a source of lethal danger and we continue to see the tragic consequences of that.

“The actions in the plan are targeted at creating a safer environment in Scotland. But whether it’s sailing, swimming, diving or fishing, anyone undertaking recreational activities in and around water must be fully aware of the risks and take every possible precaution.”

Chair of Water Safety Scotland Michael Avril said: “We would like to thank the Minister for taking a proactive approach to the prevention of drownings in Scotland. The release of this Action Plan – created in partnership with member organisations – compliments Scotland’s Drowning Prevention Strategy.

“Today, we have published the Interim Review of the strategy and we are hopeful this, combined with the Action Plan and increased collaboration from partners, will help Scotland meet its key targets to reduce accidental drowning fatalities by 50 per cent by 2026 and contribute  to reduction of water-related suicide.”

Water Safety Stakeholder Group Action Plan

From one biker to another: a message to motorcyclists and other road users

Ahead of the good weather forecast this weekend and upcoming motorcycle safety campaign, biker and deputy head of road policing Stewart Mackie has a message for road users:

Superintendent Stewart Mackie, deputy head of road policing, said: “Being a biker myself, I know the enjoyment that is gained from being out and about on your bike.

“Scotland has some of the best biking roads in the world. However my colleagues and our road safety partners are working towards Scotland also having the best road safety performance in the world by 2030. We all need to play our part.

“We’ll launch our motorcycle safety campaign next month. This will see education, engagement and enforcement take place across Scotland throughout the spring and summer months. But I wanted to reach out to you now.

“As the good weather comes along, more motorcyclists are taking to the roads to make the most of their weekends. I would urge all bikers to think of the personal consequences of taking risks when biking.


“Equally I would remind all road users that the safety of bikers and other vulnerable road user groups depends on each and every one of us.

“Around 90% of all motorcycle casualties are male and almost a third of those killed are aged 40 – 49 years. There has been a marked recent increase in motorcycle ownership and use, particularly those returning to biking after many years.

“Motorcycle riders will always be more vulnerable on the roads than car drivers. More than 85% of all motorcycle casualties happen in rural areas, during the daytime and in good weather.

“Motorcycling is an excellent way to explore the country. I want riders to enjoy their free time out and about, just as I will be doing. More importantly, I want us all to get home safe.”

Scotland for Ukraine event at Spartans

SUNDAY 3rd APRIL from 12.00 – 4pm at AINSLIE PARK

The World Cup play-off between Scotland and Ukraine was meant to take place on the 24th of March. It was postponed due to the Russian invasion of Ukraine.

Moved by the recent events, Spartans have decided to team up with the Edinburgh-based charity, Dnipro Kids Appeal, and host a five-a-side football tournament to raise money to support Ukrainian orphans forced away from their home.

Join us on the 3rd of April at Ainslie Park Stadium and support our cause.

Get your friends together and play football for those in need!!! ⚽️💛💙

Get your team tickets at: https://www.eventbrite.co.uk/…/scotland-for-ukraine…

Find us on Instagram: https://www.instagram.com/scotlandforukraine/

No barriers to Scottish healthcare for fleeing Ukrainians

People who ordinarily live in Ukraine will be able to access NHS services at no charge on the same basis as people living in Scotland.

An amendment to current legislation will ensure that people who have fled Ukraine can access services such as maternity care, mental health services and treatment for specific conditions at no charge while they remain here.

This will also apply to people from Ukraine who were in Scotland on short-term visas when the conflict began and who apply to extend or switch visas because they cannot return home. 

Anyone in Scotland, regardless of their nationality, residence status or length of time they will be in the country, is already entitled to receive emergency treatment at an A&E or casualty department, and can register with a GP Practice to receive general medical services, at no charge.

In addition, emergency legislation which came into force on Tuesday 22 March will allow people coming to Scotland from Ukraine to meet residency conditions for Scottish social security benefits.

This means that those fleeing war in Ukraine, and who are eligible, will have immediate access to benefits such as Scottish Child Payment and Child Disability Payment.

Health Secretary Humza Yousaf said: “We are determined to do everything in our power to give displaced people from Ukraine the warmest welcome possible when they arrive and this includes offering healthcare to those who need it.

“We fully recognise that they may have been through very traumatic experiences and could require specialist treatment and care. Removing charges for healthcare and providing access to benefits is a practical step in ensuring those who have been forced to flee their homes and country can live safely and comfortably in Scotland for as long as they need to.”

Grassroots football facilities across Scotland to be regenerated

Grassroots football facilities across Scotland will benefit from an initial £2 million of UK government funding to improve grassroots football facilities, as part of a major commitment to levelling up access to physical activity across the nation.

  • Beneficiaries of an initial £2 million direct investment in grassroots football facilities across Scotland this year announced
  • Spartans is one of 18 projects to benefit from first tranche of £230 million investment in football facilities across the UK to level up access to quality sport provision
  • Improvements to be made in partnership with the Scottish Football Association

SPARTANS Community Football Academy is one of eighteen projects across Scotland to receive funding to create and improve pitches, changing rooms and pavilions, so that more local communities can access high-quality facilities.

Projects have been chosen for their ability to deliver improved facilities in deprived areas, support multi-sport use and increase participation among currently under-represented groups, including women, girls and disabled players.

As well as North Edinburgh social enterprise Spartans Community Football Academy, other examples include:

  • Drumchapel United in Glasgow – a community club powered by volunteer coaches, which keeps the local community active at all ages from nursery to walking to football, who will use this £150,000 grant to regenerate their pitch;
  • Kilwinning Community Football Academy in Kilwinning, North Ayrshire – who have just signed the community asset transfer of the pitch and pavilion and are using this funding to regenerate the pitch as part of wider plans to improve the site. The pitch will support everything from school PE to mental health programmes for the local community. The £120,000 grant will be combined with the club’s own funds and funding from North Ayrshire Council.
  • Buckie Thistle High School where, combined with funding from the council, the renewed 3G pitch will support year round use for the ladies team there.

A full list of funded projects can be found here.

The funding, combined with contributions from clubs and other local partners, will improve the quality of community facilities, bring people together to enjoy playing sport in their local area, regenerate communities and enhance social cohesion.

It forms part of a £25 million UK-wide investment in grassroots facilities during this financial year, out of a total of £230 million set to be invested to help to build or upgrade up to 8,000 quality pitches across the UK over the next four years. The funding will also support the construction or refurbishment of clubhouses, changing facilities and community buildings.

The Scottish Football Association is delivering the programme on behalf of the UK government in Scotland.

UK Sports Minister Nigel Huddleston said: “We are committed to improving access to high quality sports facilities for the underprivileged and underrepresented in Scotland.

“From Almswall Park in Kilwinning, to pitches in Buckie and Stenhousemuir, this will ensure more people can enjoy the physical and mental health benefits of sport at top class facilities in their local community.”

Secretary of State for Scotland Alister Jack said: From the Borders to Moray and from Inverclyde to Dundee, this £2million UK government funding will breathe new life into grassroots football facilities right across Scotland.

“The investment will help communities all over Scotland become winners on and off the pitch by inspiring people from all walks of life to get active and enjoy the physical and mental health benefits that playing the beautiful game can bring.”

Chief Executive Officer of the Scottish Football Association Ian Maxwell said: “Our goal in Scotland is to harness the power of football, with the positive physical and mental wellbeing benefits that football offers being perfect examples of this.

“This funding will open opportunities for increased participation across many different demographics, including boys’ and girls’ football and para-football disciplines, some of which will be in areas that currently suffer from severe deprivation.

The announcement follows a joint ‘Expression of Interest’ submitted to UEFA by the Football Associations of England, Northern Ireland, Republic of Ireland, Scotland and Wales on Wednesday (23 March).

The governments of the UK, Ireland, Scotland and Wales have confirmed their support for the EOI submission and, given the Northern Ireland Executive is currently not meeting formally, officials there continue to observe the process closely.

Formal discussions on the technical specifications for the tournament are expected to take place with European football’s governing body over the coming weeks, before a final decision is made on submitting a formal bid.

On the prospects of hosting UEFA EURO 2028, Sports Minister Nigel Huddleston added: “This is welcome news from the FAs, and the government remains committed to working closely with them and our partners in the government of Ireland and the Devolved Administrations to bring UEFA’s flagship festival of international football to the UK and Ireland.

“Our unprecedented partnership creates the potential for the best EUROs ever, and we are passionate about bringing another world-leading sporting event here, creating a real celebration of football for people across the UK and Ireland.

“The government continues to demonstrate its commitment to sport and recreation, recently announcing that it is also investing £30 million to refurbish more than 4,500 tennis courts across the UK.”

Weekend wildfire warning from the Scottish Fire and Rescue Service

With the risk of wildfires rated as ‘very high’ in Scotland this weekend and into next week, the Scottish Fire and Rescue Service has urged the public to take the utmost care in the countryside.

The wildfire warning follows a series of wildfires across Scotland over the past week including a large fire on Ben Lomond which took two days to extinguish.

The weather pattern over the next few days – dominated by high-pressure, variable winds and temperatures peaking at 17°C – increases the risk. 

The warning applies from today, Friday 25 March and lasts until Wednesday 30 March.

·      Central and North East Scotland. Risk rating – VERY HIGH until 28 March
·      Central and South Scotland. Risk rating – VERY HIGH until 30 March

Accumulated dead grass, leaves, twigs and heather on the ground at this time of year dries quickly in light winds and, when ignited, acts as fuel which can spread wildfires over a wide area.

People who live, work or are visiting rural areas, in particular, are being urged to exercise the utmost caution to avoid fires breaking out. 

SFRS Group Commander, Niall MacLennan said: “Numerous wildfires across Scotland this week, including large fires on Ben Lomond and near Mallaig have shown how real the danger of fire is in the countryside and how damaging it can be to the environment, wildlife and nearby communities.

“With rising temperatures this weekend and further dry conditions into next week, wildfires could burn and spread with very high intensity in high-risk areas.

“Therefore, we are asking people to act responsibly when enjoying the outdoors and please think twice before using anything involving a naked flame.”