First-time buyers and others on low to medium incomes are being encouraged to take advantage of the Open Market Shared Equity Scheme to help buy a home in 2023.
The scheme allows people to buy a home without having to fund its entire cost and is available across Scotland to these people who face particular barriers to the housing market:
people aged 60 and over
first time buyers
social renters (people who rent from the council or a housing association)
disabled people
members of the armed forces
veterans who have left the armed forces within the past two years
widows, widowers and other bereaved partners of service personnel for up to two years after their partner has lost their life while serving
Housing Secretary Shona Robison said: “We recognise the challenges people are facing in this cost of living crisis and we want to help as many people as possible to buy an affordable home this new year.
“This scheme puts applicants on a more level playing field with other buyers when purchasing an affordable home. Buyers can purchase a share of a property while holding the full title, with the Scottish Government funding the remaining share under a shared equity agreement.
“Scotland continues to be a great place to buy a first home and has led the way in the delivery of affordable housing across the UK. We have now delivered almost 113,000 affordable homes since 2007, over 79,000 of which were for social rent.
“If you’re from one of the priority groups and would like to own a home, I’d encourage you to consider the Open Market Shared Equity scheme.”
Sleep experts at Bestmattress-brand analysed multiple scientific studies that have been medically reviewed and found three fruits that aren’t just good for improving your health but also improving your quality of sleep.
With 40% of the UK and 35% of America suffering with symptoms of insomnia there are growing nationwide health concerns. This is due to the range of mental and physical issues that can arise from a lack of sleep.
Diet and sleep are both complex, and every individual responds differently to foods and other remedies that are supposedly good for sleep. However, through meticulous testing these foods have been proven to help give people a great night’s sleep.
Tart Cherries
Tart cherries (Montmorency cherries) or tart cherry juice have been found in studies to have great sleep benefits. In one study It was discovered that consuming two one-cup portions of tart cherry juice daily resulted in the ability to fall asleep faster, more overall sleep time and significantly less awakenings. Thus, the outcome is overall increased sleep efficiency. The same effects have been reported in other tests as well.
The benefits mentioned in these studies may come from the fact that tart cherries have higher concentrations of melatonin, which is a hormone that regulates circadian rhythm (the natural, internal process that regulates the sleep–wake cycle) and promotes healthy sleep. Tart cherry juice also increases the bioavailability of tryptophan which has been found to decrease the time taken to fall asleep. The enzymes within the cherries keep the tryptophan in the body longer so not only do you fall asleep quicker but stay asleep longer.
It’s important to note that tart cherry juice can contain added sugar, when too much sugar is incorporated into a diet can be harmful, so it’s recommended to choose no added sugar options if available. However, the pure fruit is full of antioxidants, vitamins and fibre so can offer many other health benefits such as
Reduces muscle soreness
Reduces inflammation
Improves brain function
Strengthens immune system
When adding the fruit or the juice into your bedtime routine it’s advised to consume daily in the morning and 1-2 hours before bedtime for optimal effect.
Kiwi
Kiwifruit are well known for their significant number of nutrients and antioxidants as well as high levels of fibre, folate and potassium. However beyond just their health values, kiwis have been said to have sleep inducing qualities, allowing those who eat it before bed to fall asleep faster and for longer. It’s been hypothesized that the high antioxidant capacity, serotonin and folate content of kiwifruit may contribute to the observed sleep benefits of kiwifruit consumption.
Serotonin is one of the key chemicals that is found in high doses in kiwis. It is an end product of L-tryptophan metabolism, which is related to rapid eye movement (REM) sleep and low levels may cause insomnia.
Folate deficiencies can also lead to symptoms of insomnia and fatigue, thus the levels of folate in kiwis could improve sleep quality for those who suffer with sleep conditions. It’s also been suggested that the anti-inflammatory antioxidants in kiwis, such as vitamin C and carotenoids, may be partly responsible for their sleep-promoting effects as well.
The research shows in this study that when kiwi was consumed over a period of 4 weeks it was found to improve sleep onset, duration and efficiency. Although it’s been noted more research is currently required into kiwis, the current studies suggest that eating 1-2 kiwis an hour before bed may help people to fall asleep faster and stay asleep longer.
Bananas
Along with being a good source of magnesium, vitamin B6, and protein, Bananas are widely known for having a lot of potassium. The hormones serotonin and melatonin that are produced as a result of these nutrients are key to falling asleep faster and staying asleep longer.
Tryptophan, an important amino acid that can be found in bananas, has been shown to enhance the quality of sleep. Since tryptophan cannot be produced by the body, eating a banana helps to increase levels of the amino acid. Serotonin is a neurotransmitter that promotes relaxation by slowing down signals to nerve cells, and tryptophan aids in the production of serotonin. Melatonin, a hormone that induces sleep and regulates our circadian rhythm, often known as the sleep-wake cycle, is regulated by serotonin.
Bananas are also a good source of magnesium, which supports a healthy circadian cycle, the body’s internal clock. Magnesium also impacts the hypothalamus, a region of the brain that regulates the pituitary and adrenal glands. These glands enhance the stress hormones when magnesium levels are low. A banana can be the ideal food to help you relax before bed because stress and worry are frequently linked to sleep issues including insomnia.
Given that bananas are among the top sources of potassium, it is important to note the health advantages of potassium. Low potassium levels make your muscles rigid, which leads to cramps and spasms, making it difficult to get a good night’s sleep. A banana’s additional potassium aids in successfully stopping and starting muscle contractions, reducing the likelihood that cramps and spasms may keep you awake.
The combined nutrients and chemicals, and impacts these have on the body, make bananas a great bedtime snack to help those who struggle to sleep.
A spokesperson from Bestmattress-brand commented:“With a growing number of people suffering from sleep related medical issues it’s important that people are aware of small lifestyle and diet changes that could potentially help them get the sleep that they need.
“These foods are not only delicious but can be incorporated easily into any diet for kids and adults, with studies and research proving that it’s not just quality of sleep that is enhanced but overall health as well.
Diet can be an excellent tool in managing mental and physical health issues and it has been extensively documented by researchers and medical professionals, in many cases diet being proven to offer great natural remedies to health issues including sleep. Although it’s worth consulting your GP before making any drastic changes to your diet.”
Millions of the lowest-income households across the UK will get up to £1,350 from the Government in 2023/4 to help with the cost of living
Millions will receive new cost of living support from Spring 2023, following up to £1,200 in support for over eight million low-income households in 2022
£900 Cost of Living Payment for means-tested benefit claimants will go direct to bank accounts in three payments over the financial year
Extra cash support for disabled people and pensioners will see some households receive extra cash
The Department for Work and Pensions (DWP) has announced more detail on the payment schedule for the next round of cost of living support unveiled in the Chancellor’s Autumn Statement, building on payments made to over eight million people in 2022.
The new £900 cash boost for over eight million eligible means-tested benefits claimants, including those on Universal Credit, Pension Credit and tax credits, starts in Spring and will go direct to bank accounts in three payments over the course of the financial year. There will also be a separate £150 for over six million disabled people and £300 for over eight million pensioners on top of their Winter Fuel Payments.
Exact payment windows will be announced closer to the time, but are spread across a longer period to ensure a consistent support offering throughout the year. They will be broadly as follows:
£301 – First Cost of Living Payment – during Spring 2023
£150 – Disability Payment – during Summer 2023
£300 – Second Cost of Living Payment – during Autumn 2023
£300 – Pensioner Payment – during Winter 2023/4
£299 – Third Cost of Living Payment – during Spring 2024
Work and Pensions Secretary, Mel Stride said: “We are sticking by our promise to protect the most vulnerable and these payments, worth hundreds of pounds, will provide vital support next year for those on the lowest incomes.
“The government’s wider support package has already helped more than eight million families as we continue to deal with the global consequences of Putin’s illegal war and the aftershocks of the pandemic.
Chancellor of the Exchequer, Jeremy Hunt added: “I know these are tough times for families across the UK who are struggling to meet rising food and energy costs, driven by the aftershocks of Covid and Putin’s war in Ukraine.
“That’s why we’re putting a further £900 into the pockets of over 8 million low income households next year. These payments are on top of above inflation increases to working-age benefits and the Energy Price Guarantee, which is insulating millions from even higher global gas prices.
“Tackling inflation is this government’s number one priority and is the only way to ease the strain of high prices, drive long term economic growth and improve living standards for everyone.”
If individuals are eligible they will be paid automatically, and there will be no need to apply. Claimants who are eligible for any of the Cost of Living Payments and receive tax credits, and no other means-tested benefits, will receive payment from HMRC shortly after DWP payments are issued.
These payments build on the Government’s extensive support package to help households tackle the globally rising cost of living stemming from the pandemic and the war in Ukraine.
The Government’s Energy Price Guarantee continues to cap energy costs, saving the average household around £900 this winter and a further £500 in 2023/24.
Benefits, including working age benefits and the State Pension, will also rise in line with inflation from April 2023, ensuring they increase by over 10%. April will also see the biggest ever cash rise to the National Living Wage, bringing it to £10.42 an hour, and a further year-long extension of the Household Support Fund in England and associated devolved nation funding worth £1 billion in total.
This comes on top of the 2022 support package, which included:
A £650 Cost of Living payment for means-tested benefit claimants, split into two payments, each of which supported over eight million households
Further £300 and £150 payments, which reached over eight million pensioners and over six million disabled people respectively
A £150 Council Tax rebate for all households in Council Tax bands A-D
A £400 energy bill discount for all households, which will continue to run through March
The most recent PDSA Animal Wellbeing (PAW) Report – the longest running annual survey of pet wellbeing in the UK – revealed 30% of owners worry how they’ll pay for vet bills if their furry family member fell ill or became injured.
With the report also detailing that 61% of cats and 39% of dogs are currently uninsured, thousands of owners could find themselves with an unexpected vet bill should the worst happen.
PDSA Vet Nurse, Nina Downing, said: “The cost-of-living crisis is affecting all of us in one way or another, meaning we’re looking for ways to save money wherever we can – and this is no different for costs associated with our pets.
“Veterinary treatments can become costly, so one of the best ways to safeguard your furry friend and avoid unplanned vet bills is by keeping on top of their preventive healthcare. The following tactics could help you save in the long-term:
Stay up to date with vaccinations
“While cutting back on annual booster vaccinations or regular flea and worming treatments may seem like saving money in the short-term, it can cause issues down the line. Avoiding these measures can put your pet’s overall health at risk, meaning they may need intensive veterinary care, which can soon add up.
“Keeping vaccinations up to date provides your furry family member with antibodies to fight off serious but preventable conditions. Using regular flea treatment prevents your pet from developing uncomfortable skin problems, while buying products to treat all types of worms including lungworm, can be lifesaving.
The benefits of neutering
“Neutering your pet will not only prevent unwanted pregnancies, but it also reduces the likelihood of developing certain health issues too, including some types of cancer or life-threatening infection of the uterus which can affect unneutered females.
“Castrating male dogs helps reduce their risk of prostate disease and stops them from developing testicular cancer. Male cats and dogs are less likely to roam looking for females and male cats are less likely to get into fights if neutered, too. Up to 80% of unspayed female rabbits will also develop uterine cancer by the time they’re five or older, so the procedure is highly beneficial for pets, big and small.
Watch weight gain
“It’s important to monitor your pet’s weight and take action if you believe they are gaining a few too many pounds – this will help avoid weight related health problems which may require costly lifelong medication.
“The best way to help your furry friend maintain a healthy weight is by incorporating daily exercise into their routine and ensuring they eat a complete, well-balanced, nutritious diet.
Don’t ignore insurance
“Having the correct insurance plan in place will be vital to avoid expensive bills, should the worst happen.
“There are several types of cover and the monthly cost will depend on a range of factors, including your pet’s breed and age. Cheaper policies are often ‘accident only’ and won’t cover anything illness related.
Lifetime cover policies are usually more expensive, however, they do provide cover for any accidents or illnesses (they don’t cover vaccinations or other preventive treatments) as long as the policy is continued, without a break.
“It is a good idea to insure your pet as soon as you bring them home – don’t wait for them to get ill – as pre-existing conditions are not typically covered. If you insure them while they are young and healthy, many providers will continue to cover them as they get older. However, you may find changes to excesses for older pets, so – it’s important to read the policy, so you know what to budget for.
Explore additional resources
“There are lots of free resources available on PDSA’s website, which provide helpful advice and low-cost ways to care for furry family members.
“Personal circumstances can change at any time and if you do find yourself struggling to afford your pet’s veterinary care, see if you are eligible for free or low-cost support by using the eligibility checker on the PDSA website.”
PDSA relies on donations to deliver vital treatment to hundreds of thousands of pets across its 48 Pet Hospitals in the UK.
To keep families together this winter, the charity is urgently calling on the public’s support more than ever to prevent vulnerable people having to make a truly heart-breaking decision.
Funded places to ensure inclusivity and support for a society where all forms of neurodiversity are embraced, and no mind is left behind
The organisers of It Takes All Kinds Of Minds – ITAKOM, the global conference advancing insights into neurodiversity, have announced a special bursary scheme aimed at making the event accessible to all those who wish to attend, regardless of financial constraints
Salvesen Mindroom Centre, the Edinburgh charity behind the conference, is offering up to 65 places, either fully or partially funded, for the international event set to take place in the Edinburgh International Conference Centre at the heart of the Scottish capital (13-14 March 2023).
Alan Thornburrow, Chief Executive Officer of Salvesen Mindroom Centre said: “Inclusion is hard-wired into how we think, act and convene. And in these difficult times, we’re acutely aware of the impact of the cost of living crisis and we’re determined to do everything that we can to make sure that this spirit of inclusion, which we hold so dear, applies to our global conference.
“We’re delighted to launch a bursary fund to make attendance affordable to potential delegates who would otherwise not be able to attend ITAKOM – and we’d encourage anyone interested to apply.”
The two-day event will bring together different perspectives, enabling us to better understand neurodiversity and work together towards our vision of a society where all forms of neurodiversity are embraced, and no mind is left behind.
The conference will draw together HR workplace professionals, practitioners, academics, the care sector—and of course, parents, siblings and families and will present the latest knowledge and visions for the future of embracing neurodiversity.
More than 50 speakers from around the world, including experts on neurodiversity in the workplace, neuroscientists, clinicians, educators and comedians, among them Edinburgh’s satirical impressionist Rory Bremner, a neurodiversity advocate after being diagnosed with ADHD – will address delegates.
The It Takes All Kinds Of Minds conference will be held both in-person and virtually and assistance is available as a bursary for complimentary registration or as discounted registration at a reduced rate. Awards will be made on an individual’s circumstances and availability within the fund.
To apply email ITAKOM@integrity-events.com stating the reasons for the application. Group discounts are also available with one free delegate place offered for every five conference passes purchased. To apply for a group discount email ITAKOM@integrity-events.com.
Lloyds Bank has appointed Jamie Kemp to the role of Invoice Finance Area Director for Scotland and the North East, as it strengthens its support for businesses across the region.
Jamie has over 11 years of experience in the finance sector, with experiencing spanning across retail, private and commercial banking. Over the last 4 years, Jamie has specialised in Invoice Finance and has been recognised by UK Finance as their Top Foundation and Certificate student.
In his latest role, Jamie held the title of Business Planning Manager for the Invoice & Asset Finance Sales division where he was responsible for overseeing and supporting national delivery and performance.
Jamie Kemp commented:“I am delighted to lead a team of highly experienced Invoice Finance professionals to deliver bespoke solutions for small to medium sized enterprises. The current climate is making the cost of operating more and more challenging for businesses.
“I’m looking forward to supporting those businesses based in the North East and Scotland through these challenging times as much as possible in my new role alongside my team.”
Ben Stephenson, the Head of Specialist Client Solutions at Lloyds Bank, added:“We are pleased to welcome Jamie into the role of Invoice Finance Area Director. He brings with him a wealth of banking and finance experience, which will stand him in good stead to excel in this role and provide exceptional service for our clients.”
While starting his new role, Jamie is also hiring for an Invoice Finance Field Sales position (Associate Director level) based in and around Glasgow. The role has been designed to attract enthusiastic and talented individuals which may be new to the Invoice Finance industry.
It offers a substantial period of training, supported by a comprehensive learning plan, which includes undertaking the Invoice Finance Foundation Course, UK Finance’s entry-level qualification. This should ensure that the successful candidate has the best possible start to a career in Invoice Finance.
Households are being offered 23 money-saving hacks to use in 2023 as experts reveal the best ways to save little and often throughout the year
Consumer experts at NetVoucherCodes.co.uk have identified useful ways to save cash by completing monthly saving challenges as well as advice on how to knock hundreds off holiday expenses.
The cost-of-living crisis spiralled over the last year and the rising costs of food and expenses have left families worried about how they can manage their finances in the new year.
Brits can save little and often by taking early preventive steps to save their cash, from sticking to a digital budget planner to track how much they’re spending, to investing in a smart meter so they can monitor how much gas and electricity is being used in the home.
Lucinda Fox, online consumer expert at NetVoucherCodes.co.uk said: “December is one of the most expensive months of the year, which is why many families are left tight for cash when it comes to January.
“We’ve faced one of the toughest years when it comes to saving money, as every household expense has been rising from petrol to food and of course our energy bills.
“As we head into 2023, we’re offering households simple tips on how to stick to measurable budgets so they don’t have to worry about overspending or be left strapped for cash towards the end of the year.
“We’ve found various ways to save over the next year such as following budget planners and booking holidays a year in advance.”
Start the year off by investing in a digital budget planner so you can visually track how much you’re spending and in which areas. This way you can monitor which outgoings can be cut down to help save hundreds off your monthly budget.
Get a smart meter
Having the physical amount in front of you can let you see clearly how much is being spent on gas and electricity. It means you can knock £20 off the electric bill if devices that aren’t being used are still turned on.
Start a side hustle
A savvy way to earn extra cash in the new year is to earn more and spend less by starting a side hustle. This can simply be done from home whether it’s selling clothing on apps or completing free online surveys to earn rewards.
Enter free giveaways
Social media giveaways are also an easy way to grab a freebie. While it’s all down to chance, it’s worth doing as the only effort you’ll likely be putting in is following the company’s social page and tagging a friend in the comments.
Set measurable savings goals
While it’s great to save as much as possible, don’t just throw everything into savings only to realise there’s not enough money left to pay for the bills. Be reasonable with how much you can save and by putting aside a steady amount to start with.
Shop during sale events
January sales are one of the prime sales events over the year, where many retailers knock down their prices after the Christmas rush. If you have family or friends with birthdays coming up, make the most out of the sales to save on the costs.
Book 2024/25 holidays now
When it comes to travel prices, the earlier you book, the better. Many companies offer zero deposit schemes where you pay the holiday off on a cheaper monthly basis rather than all in one go. Have a look at travel voucher codes to save up to 30% on future trips.
Shop around for deals
Have a look at different outlets offering the same type of products, both online and in-person. This also applies to supermarkets during seasonal events where better promotions can be found by shopping around.
Join community groups for free activities
Signing up for online community groups means you have access to wider information about free local activities going on in the area. This will help even further when it comes to half term to prevent overspending on days out.
Sign up for loyalty schemes
Each time you decide to shop at a retailer, have a look if they have an app available or go straight to their website and join their reward schemes. This can result in freebies or discounts on your next visit.
Book free cancellation trips
Booking free cancellation trips can provide extra insurance to get money back on a cancelled trip. This can be extremely helpful if there are ongoing strikes over the course of 2023 that could impact you getting to your destination.
Sign up for email subscriptions
Even if they end up in your junk mail, it’s worth signing up for email subscriptions every time you purchase an item online, as you can be offered exclusive free items or early discounts before they go live to other consumers.
Freeze leftovers from Sunday roasts
Freezing food and meal prepping is always a handy way to save on food costs. With prices set to rise again in the new year, it’s also worth saving the leftovers from a Sunday roast and batch-cooking them into lunches for the rest of the week to save a few quid.
The 50:30:20 split
A popular TikTok trend from 2022 is one to follow through in the new year. When the monthly wage comes through, allocate 50% of it on bills and essentials, 30% on leisure and 20% on savings.
Use a credit card
When buying a large purchase item, pay for it on finance or directly by credit card to build up your credit score. But only do so if you can realistically manage to fit the payment into the monthly budget.
Have spend-free weekends
Dedicate one weekend a month where you’re going to have a spend-free weekend, where you can go for long walks in the park, get crafty in the kitchen with existing cupboard ingredients, or even just settle down and binge-watch a new TV show.
Use fakeaway recipes
A fakeaway is always a delicious budget treat to have on a Saturday night. Fried chicken and homemade pizzas might take a little longer to make but the rewards are just as tasty.
Notepad mystery box
Write down different amounts you’d like to put into your savings on separate pieces of paper and put them into a bowl. Every Sunday, draw out a different amount to determine how much money you will be putting into your savings that week. This is a great way to save little and often, just remember to keep it realistic!
Check for tax rebates
Often many find themselves accidentally paying too much tax, which can be reclaimed on the Government website. Even if it’s £30 – it’s still worth a look.
Take part in free subscription trials
Brands offer freebies by signing up for subscription deals, whether it’s entertainment packages or beauty products. These can often be cancelled shortly after, so make sure to do so to prevent being charged.
Stick to non-branded foods
These can cost nearly 50% less compared to other products even if there’s a lack of difference in price and quality. Veggies and meats often taste the same so it’s worth investing in the non-branded versions to cut down on weekly meals.
Put locks on banking pots
Virtual banks often allow for savings pots to be locked and only accessible on certain dates. Having the visual lock on display can help prevent the temptation of taking cash out on a frequent basis.
Stick to the plan
Don’t just stick to the budget for January and forget about it for the rest of the year, make it a personal goal that you’ll stick to the saving targets so that the rewards will be greater by the end of next year.
Scotland’s ambition to become Europe’s leading space nation by 2030 is being given a boost under the guidance of a group of global experts from the space industry.
The Scotland International Space Advisory Committee (SISAC) consists of members of the Scottish Government’s GlobalScot programme – a network of Scots in business around the world – who have come together voluntarily to provide advice and identify opportunities to achieve a £4 billion share of the global space market and 20,000 jobs in the sector over the next seven years.
Scotland is making huge advances in the space sector, with the first orbital launch from Scottish soil due in 2023.
Both SaxaVord Spaceport in Shetland and Space Hub Sutherland – working alongside Scottish-based launch manufacturers – are months away from lift off. Space Hub Sutherland will host launches by owners Orbex from next year.
SaxaVord Spaceport will offer a multi-pad, multi-user, launch facility with multiple launch partners, including Scottish-based Skyrora which has developed its own eco-friendly fuel, Ecosene, made of waste plastics.
As well as its launch capabilities, Scotland is also world leading in small satellite manufacturing, with Glasgow building more satellites than any other place in Europe. Expertise in data gathering and analysis makes Scotland the data driven capital of Europe, hosting the largest centre for informatics and having more than 170 data sciences companies.
And our world class research institutions have been demonstrated, as Scottish skills and innovation played an important role in the development of the instruments on board the James Webb Space Telescope.
Business Minister Ivan McKee said: “Space brings great opportunity for Scotland in terms of the economic development it delivers, its relevance for the climate change agenda and the power it has to inspire the next generation. That is why the Scottish Government has identified it as a priority in our National Strategy for Economic Transformation.
“The space sector is a key opportunity for the future, and we will continue to build on our strengths. The expertise and insight offered by the members of SISAC will be hugely beneficial to our progress.
“I am grateful to the members of this new committee for volunteering to come together to help Scotland live up to its full potential in growing the space sector.”
Chair of SISAC Joanna Peters said: “It is the intent of the SISAC to help fuel and ignite a national passion toward a space-based economy by capitalising on its strong heritage of exploration, innovation, and entrepreneurship.
“Working with the GlobalScot organisation and our network of national and international leaders, we aim to develop strategic recommendations, building upon precise and transparent advocacy, influence, consultation, and development.”
