All grown up: Child Benefit goes digital

New parents can now claim Child Benefit online for the first time since it was launched 47 years ago, helping millions of families with the cost of raising their children, HM Revenue and Customs (HMRC) has announced.

Since 1977, families claiming Child Benefit had to fill out a paper form, post it, and wait as long as 16 weeks for their first payment. Now, the quick and easy claims process on GOV.UK takes about 10 minutes and payments could be made in as little as 3 days.

Child Benefit is worth £24 a week – or £1,248 a year – for the oldest, or only child. The rate for each additional child is £15.90 a week – or almost £827 a year. Claims can be backdated for up to 12 weeks and families are encouraged to apply as soon as possible so they don’t miss out.

Nigel Huddleston, Financial Secretary to the Treasury, said: “Family time is precious, especially when you have a newborn baby, so it’s great news that HMRC is enabling parents to save time on claiming their child benefit online so they can focus on what truly matters.”

Suzanne Newton, HMRC’s Interim Director General for Transformation, said: “We know how much parents and guardians rely on Child Benefit to help with essential costs. We’ve made it far easier and quicker for families to claim this crucial help by making it digital.

“Parents and guardians can apply online when it suits them and be paid within days, not weeks. Go to GOV.UK and search ‘Claim Child Benefit online’ and follow the simple steps to apply.”

Natalie Smith, blogger, Frugal Mum, said: “No more paper forms for new parents – hurray! You can complete your application when it suits you online at GOV.UK and your Child Benefit can be backdated by up to 3 months – so don’t put it off!”

Parents or guardians can get Child Benefit if they are responsible for bringing up a child who is under 16, or under 20 if they stay in approved education or training. There is no limit on the number of children parents can claim for.

Claiming Child Benefit means that the parent will receive National Insurance credits which count towards their State Pension. It also means their child will automatically receive a National Insurance number when they turn 16 years old, which they will need for key milestones including getting their first job, taking a driving test and applying for university finance.

Tips for applying online

  • parents can claim Child Benefit from the day after a child’s birth has been registered; make sure to have the birth certificate to hand when claiming.
  • create a Government Gateway account when making a claim for Child Benefit, with a passport and other proofs of ID. This can also be done in advance of a child’s birth to save time later on. A full list of the documents needed for proof of identity can be found on GOV.UK.
  • when creating a new account, HMRC will send you an activation code via email. Once received, you can then apply for Child Benefit online.

When ready to make the claim, applicants should have the following documents to hand:

  • the child’s birth certificate
  • your bank details
  • your National Insurance number
  • your partner’s National insurance number (if you have a partner)

Families with adopted children, or whose child’s birth was registered outside the UK, can claim for Child Benefit online but will need to send additional information through the post to support their application.

Parents with children over 3 months old who have yet to claim are urged to do so as soon as possible as they can receive up to 3 months’ backdated Child Benefit. Parents with children over 6 months’ old may be required to download and print their completed claim form and send it through the post.

The government is offering help for households. Check GOV.UK to find out more about cost of living support, including help with childcare costs.  

Customers need to be aware of the risk of falling victim to scams and should never share their HMRC login details with anyone. HMRC scams advice is available on GOV.UK.  

‘The lungs of the world are collapsing at an alarming rate’

Westminster committee urges UK Government to act with urgency to tackle global deforestation

UK consumption is unsustainable, with the nation’s appetite for commodities including soy, cocoa, palm oil, beef and leather putting enormous pressure on forests, Westminster’s Environmental Audit Committee (EAC) warns today.

Forests host 80% of the world’s terrestrial biodiversity, support the livelihoods of 1.6 billion people and provide vital ecosystem services to support local and global economies. Deforestation threatens irreplaceable biodiverse habitats and contributes 11% of global carbon emissions.

The intensity of UK consumption on the world’s forests – its footprint per tonne of product consumed – is higher than that of China.

The EAC is calling on Ministers to develop a Global Footprint Indicator to demonstrate this impact to the public, and a target to reduce the UK’s impact on global deforestation. Such a measure will only be meaningful if sufficient monitoring and reporting is embedded for forest risks – including mining – so EAC recommends that the Government work with international partners to improve oversight in the UK and globally.

Through legislative provision in the Environment Act, the Government has committed to establishing a regime  to require forest-based commodities to be certified as ‘sustainable’ if they are to be sold into UK markets. At COP28 the Government announced that the first four of these commodities are to be cattle products (other than dairy), cocoa, palm oil and soy, which the EAC was pleased to see.

While the Government’s intention to tackle sustainability concerns of products is welcome, EAC is concerned  over the seeming lack of urgency about the implementation of this regime, given global commitments to halt and reverse current deforestation trends by 2030.

For instance, no timeline has been offered as to when this important legislation will be introduced, and its phased approach of incorporating products gradually into the regime does not reflect the necessity of tackling deforestation urgently.

The Government should also bring other forest-risk commodities, such as maize, rubber and coffee, into the certification regime as soon as possible to be ‘sustainable’. 

The Committee recommends that the Government strengthens the existing legislative framework so as to prohibit financial sector businesses from trading or using commodities linked to deforestation.

At global COP summits, the UK has been instrumental in delivering ambitious agreements to address global deforestation. However, despite this, the world does not appear to be on track to halt deforestation by 2030: a key commitment made during COP26 and at the Kunming-Montreal COP15 summit in December 2022.

The Government has announced large sums for programmes on climate and nature, amounting most recently to £11.6 billion with £1.5 billion earmarked for deforestation.

However, the Committee has heard concerns that  there is a lack of transparency over how this investment will be spent. The Committee is therefore calling for clarity from Ministers as to how the money will be used to support activities to halt and reverse deforestation.

The Committee was alarmed to hear from Global Witness that one person is killed every other day defending land and the environment. Indigenous peoples are protectors of the world’s forests and can possess detailed knowledge on biodiversity and ecosystem trends. It is therefore critical that they are facilitated to participate fully in negotiations to address deforestation activity.  

To fulfil its commitment to put environmental sustainability measures at the heart of global production and trade, the Government must ensure that biodiversity considerations are more consistently applied into its trade agreements and operations.

EAC therefore repeats its earlier calls for sustainability impact assessments to be conducted for all future trade agreements. Ministers must also develop strategies to monitor effectively and deliver environmental net gains in the UK’s international activity, including gains through halting and reversing deforestation.

Environmental Audit Committee Chair, Rt Hon Philip Dunne MP, said: “UK consumption is having an unsustainable impact on the planet at the current rate. UK markets must not be flooded with products that threaten the world’s forests, the people whose livelihoods rely on them and the precious ecosystems that call them home.

“Yet despite the recent commitment before and at COP28 to invest more in reforestation measures and The Amazon Fund to help halt the speed of global deforestation, the UK needs to take tangible steps to turn the dial at home.

“The Government’s ambition and stated commitment at COP26 to halt deforestation by 2030 was very welcome: but it is not on track now. Its legislation for a regime to require certain products to be certified as ‘sustainable’ before they can be sold in UK markets was welcome: but the implementing legislation has still not come forward. There is little sense of urgency about getting a rapid grip on the problem of deforestation, which needs to match the rhetoric.

“Countries all around the world contribute to deforestation, and the international community of course needs to do much more to tackle deforestation. Yet on some measures the intensity of UK consumption of forest-risk commodities is higher than that of China: this should serve as a wake-up call to the Government.

“To demonstrate genuine global leadership in this critical area, the UK must demonstrate domestic policy progress, and embed environmental and biodiversity protections in future trade deals.”

Edinburgh sets 29 January date for pavement parking ban

Enforcement against parking on pavements, parking at dropped kerbs and double parking will begin in Edinburgh on Monday, 29 January.

National regulations giving councils the power to enforce the new rules came into effect on 11 December. The change addresses the inconvenience inconsiderate parking causes to all road users, in particular those with mobility issues, visual impairments, and people with pushchairs.

Following an assessment of more than 5000 roads officers have identified a small number of streets where there is significant pavement parking and have written to these properties to help them prepare for the measures.

Once the ban is in place monitoring will continue to ascertain whether any of these streets require mitigation measures, such as double-yellow lines, to minimise potential negative impacts on the wider road network.

Councillor Scott Arthur, Transport and Environment Convener, said: “These new rules are about making our streets safer and more accessible for everyone, in particular those with visual impairments or mobility issues.

“I’ve heard from many people who say the change will make their day-to-day life much easier. I have also been pleased to hear that, as a result of our publicity campaign, pavement parking is already reducing in some areas.

“Officers have been working hard over recent months to prepare for the changes coming into force and have been in contact with residents on streets where pavement parking is a real problem. I am proud that Edinburgh is leading the way on enforcing the ban, and that all political parties here agree that no street should be exempt.

“I would expect everyone to adhere to the new prohibitions once in place, but we’ll continue to monitor streets across the city to make sure the impacts on the wider network are minimal.”

The Council has always supported a ban on pavement parking and has collaborated closely with Living Streets and Guide Dogs Scotland to lobby for the introduction of controls in Scotland. This will help ensure Edinburgh’s roads and footways are accessible for all, which is central to our vision of an equal, accessible and sustainable city as part of the City Mobility Plan.

The prohibitions first featured in the Transport (Scotland) Act 2019, though the necessary regulations required to support the enforcement and appeals procedures have only recently been finalised by Transport Scotland.

Anyone found to be parked on a pavement, double parked, parked at a crossing point or parked on a verge between roads and pavements could be subject to a £100 fine, reduced to £50 if paid within the first 14 days. There are no exemptions in place.

Find out more about the new parking rules, and report incorrectly parked vehicles, on the Council website.

Choudhury plea to Scottish Government: Make housing a priority

Scottish Labour MSP Foysol Choudhury has implored the Scottish Government to make housing a priority in 2024.  

Mr Choudhury has raised concerns over the festive period that hundreds could sadly be faced with rough sleeping this winter, with many more at risk of homelessness or living in what he says is unsuitable temporary accommodation.  

Mr Choudhury says he is often inundated with casework where constituents are in poor quality temporary housing and are concerned about the lengthy waits for housing.  

It is reported that there could be almost 30,000 people facing homelessness this year. Recent budget plans, however, will see a real-terms cut in homelessness prevention funding for local authorities of £500,000. Mr Choudhury says that this is unacceptable and that the Scottish Government must make it a priority in 2024 to give local authorities sufficient funding.  

Mr Choudhury said:  “I am reiterating my plea yet again this festive season to the Scottish Government to increase funding to local authorities, so that Councils can ensure that they can meet the demand for housing and have the capacity to build more social housing. 

“We also must ensure that Councils have enough funding to make improvements and upgrades to current properties such as retrofitting, which could help improve conditions such as mould and damp which my constituents often report to me. 

“Nobody in Scotland should be forced into homelessness or have to endure seemingly endless waiting in unsuitable housing. 

“I am imploring the Scottish Government to ensure fair funding for local authorities so that they can invest what is needed in our social housing sector and I will continue to make it a priority to campaign for this in 2024.” 

RoSPA: Beware of button batteries this January

Following a potential influx of toys and gadgets into people’s homes after Christmas, the Royal Society for the Prevention of Accidents (RoSPA) is reminding people of the dangers of button batteries.

While toys are required to have a secure compartment for button batteries, other items like electronic car keys, novelties and light up accessories are not. And after the UK has seen some tragic deaths and injuries in recent years, there has never been a more important time to learn about the dangers.

What are the dangers of button batteries?

  • When mixed with saliva, live or dead batteries release caustic soda which can easily burn through flesh.
  • This can burn through organs, such as from the oesophagus to the heart.
  • It can cause catastrophic internal bleeding, and a child might not always be able to articulate how they are feeling or that they have ingested one.
  • Children are particularly at risk due to having a smaller digestive tract which makes it more likely button batteries can get lodged.
  • If a parent or carer suspects their child has swallowed a button battery, get immediate medical attention.

What are some of the signs to look out for?

-Suddenly developing a cough, gagging or drooling a lot

– Being sick and having an upset stomach

– Pointing to their throat or stomach

– Having tummy, chest or throat pain

 -Being quiet or more clingy than usual

– Having a reduced appetite and not wanting to eat.

Phillip LeShirley, Product Safety Advisor at RoSPA, said: “The dangers posed by button batteries should not be underestimated, and RoSPA welcomes the news that Standards for Toys have been strengthened recently to reduce further the risks that button batteries pose. 

“We are advising parents to be mindful that it is not just toys that contain button batteries, and to be extra vigilant.”

Letters: Volunteering with RNID

Dear Sir/Madam, 

Have you made your new year resolutions yet? Need one more? Why don’t you sign up as an RNID volunteer? 

RNID, the charity supporting people who are deaf, have hearing loss or tinnitus are looking for volunteers to support our vital work across Scotland. 

Last year, our volunteers gave more than 9,000 hours of their time to support people in their communities with practical information and essential hearing aid care. But with one in five adults in the UK being deaf or having hearing loss or tinnitus there is much more to do to make sure everyone in the UK gets support 

Volunteering for RNID could involve providing information to local organisations and community groups, helping people get the most out of their hearing aids, or giving a friendly welcome to everyone who passes through the door at one of our support sessions.  

Many of our volunteers have hearing loss themselves or in their family, and volunteering with us is a great way to meet new people, gain new skills and experience, try something new and help people in your community.  

What are you waiting for? For more information, visit rnid.org.uk/join or contact us on 0808 808 0123.  

Yours sincerely, 

Jackie White, Director at RNID 

How young drivers can save in 2024

2023 was particularly harsh on young drivers, with premiums soaring by over 50% as the cost-of-living pressures took effect.

The sky-high cost of learning to drive combined with these higher insurance premiums and new emissions costs for older cars, are all making it a struggle for young drivers to get on the roads.

Data shows the average car insurance premium for young 18-year-old drivers increased to £1207 in 2023. 

The experts at Quotezone.co.uk  have revealed ten savings hacks to help young drivers give their finances a fresh start for the new year.

One of the most important things for young drivers is to be safe and avoid penalty points, a fifth of convicted drivers in the UK have been driving for a year or less – according to a sample of over 15,000 convicted drivers, analysed by Quotezone.co.uk. 

Penalty points on a licence may not only result in a steep fine but will also bump up the insurance costs. Drivers can expect premiums to rise by 5% for three points and 25% for six points if they’re starting from a clean licence.

Young drivers or those with penalty points may be able to get cheaper insurance by opting for a telematics policy, or black box insurance.

Black box insurance starts collecting data on their driving immediately, if they’re a safe driver, this can help the insurer see them as less of a risk and may result in a more competitive price.  Although, like all premiums this year, prices are on the rise, in 2023 telematics was still able to save young drivers an average of £75 annually. 

Age group 18-24NO telematicsYES telematics
2021£1199£938
2022£1047£1050
2023£1230£1155

Quotezone.co.uk CEO Greg Wilson said: “Young drivers had a tough 2023 with delays to driving tests and backlogs for lessons plus the rising cost of everything associated with motoring – insurance, repairs, fuel – we’re hoping 2024 is a much better and cheaper year for those new to the road.

“There are lots of things young drivers can do to help bring the cost of driving down, from knowing how to avoid even the most unusual fines and penalty points to installing a black box and keeping modifications and mileage to a minimum. 

“We’re researched the top 10 ways we think will help young drivers save in 2024 along with the essentials such as shopping around and comparing product details, annual payments if possible and reviewing when exactly is the best time to buy, normally three weeks before the policy is due for renewal is the most competitive.

“Passing your test and taking to the road for the first time is a rite of passage and it would be worrying if new drivers started to struggle to make driving a reality due to cost, hopefully our money saving tips go some way to making a more affordable 2024.”

Quotezone.co.uk’s Top ten hacks that could help young drivers save:

1.         Do check your mileage

When taking out insurance, you will be asked to estimate your annual mileage. The costs will rise in incremental bands so the more miles you drive, the more you pay so try to be accurate and realistic with your prediction.

2.         Do park in a safe place

Car owners that make use of their garages, driveways or carports for overnight parking could make big savings on their car insurance – parking on driveways rather than on the road can save you over £140 on average every year and carports could save you even more, with £230 savings on average.

3.         Do consider switching to a smaller engine

Be sure to check your vehicle’s engine size and horsepower, both can impact the cost of your premium. Also, some small engines are turbocharged and that can give them more power than might be expected, which will likely cause the premium to increase.

4.         Do keep modifications to a minimum

It comes as no surprise that adding a custom exhaust or putting in lowered suspension might cause insurance premiums to rise, but even seemingly innocuous changes such as adding branding to a vehicle can affect the cost.

5.         Do consider a black box

A telematics policy, or black box insurance – starts collecting driving data immediately, this can help the insurer with their risk analysis, safer driving increases the chances of a competitive price for young drivers.

6.         Don’t over pack the vehicle

Packing items above the seat line will impair vision, while heavy loads are likely to affect a car’s handling and stopping distances.  Overloading a car past its capacity is a punishable offence, with a fine of up to £300 and 3 points. Driving without full visibility out all windows is also punishable and could result in a £50 fixed penalty.

7.         Don’t forget your sunglasses

Sunglasses are labelled with a ranking from zero to four in order to determine their strength and the time of day they can be worn. The average pair of sunglasses is categorised as a number two – these are recommended for daytime driving.  Driving with inappropriate eyewear could be detrimental to other road users, leaving drivers unable to detect dangers.  Motorists could be hit with a £100 on-the-spot fine and up to three penalty points for driving without due care or attention. 

8.         Don’t use the wrong fuel

Misfuelling is one of the most expensive mistakes motorists make. Pumping diesel fuel into a petrol car can lead to engine failure, leaving motorists to pick up the maintenance costs.   Rule 97 of the Highway Code states before drivers set off, they should ensure they have ‘sufficient fuel or charge for your journey, especially if it includes motorway driving’.  Careless or dangerous driving caused by low fuel will see motorists face fines of up to £100 and three points on their license. 

9.         Don’t leave the car switched on while waiting for friends

‘Idling’ or leaving the engine running unnecessarily while stationary on a public road goes against Section 42 of the Road Traffic Act.  Drivers risk a £20 penalty notice that will double if not paid in full within 28 days.  According to research conducted by Quotezone.co.uk, almost 11% of drivers fail to turn off their engines while waiting.** 

10.       Don’t splash pedestrians

Splashing pedestrians is actually illegal under section three of the Road Traffic Act, 1988 – and is considered to be driving ‘without reasonable consideration for other persons using the road’ – resulting in a fine of £100 and three penalty points on the licence, in some cases, fines can reach as much as £5,000 for driving without reasonable consideration for others on the road.

Quotezone.co.uk can help if you’re looking for learner drivers or  young drivers insurance.  If you live in Northern Ireland, CompareNI.com can help.  

Engagement sessions support Forbes nursery staff health and wellbeing

Staff wellbeing is very important to the management of the Forbes nursery group in Edinburgh. 

The group has four nurseries across the city, and they wanted to introduce a positive way of bringing all of the staff together.  This was so that staff could engage with one another away from work and help them to reconnect after the pandemic.

They are very fortunate that the nurseries are close to a large park and with the help of a local fitness trainer, staff were invited to take part in weekly outdoor fitness classes. 

These classes have enabled staff to mix with one another, have fun and get fit together with a lot of laughter during their workouts.  These classes have been very successful with some staff attending regularly and others dropping in when they can.  On occasion, other family members and even a family pet has turned up and joined in with the fun.

The nursery management were keen to support staff to feel good about themselves and have made sure that the sessions were accessible to everyone.

There is no expectation on staff to have a certain level of fitness, and the atmosphere is very relaxed.  The exercises have been different each week and have included a silent disco, hula hooping, bootcamp and boxercise.  They also try to build in time at the end for relaxation.

These sessions have been a great success with staff engaging with each other and encouraging each other to come along.  Staff have said that it’s helped them to feel more motivated, pick-up old hobbies and sports and get moving a bit more.

Annabel Higgins, admin team said: “Having our weekly sessions with Kim is an incredible employee benefit at Forbes nursery. 

“Not only has it helped with my general energy and fitness levels it’s also a lovely hour to catch up with staff from across the nursery group.”

Abby Whigham, assistant manager said: “Not only have Kim’s classes helped with physical fitness, but it also has a positive impact on our general mental health.

“It’s great coming together each week and seeing team members who work at our other nurseries too. Kim’s positivity and energy is very motivating and inspirational, which is the perfect lift after a busy day at work.”

Recently, they have also returned to visiting the local care home where the residents and children have exercised together.  These activities have included parachute games and sensory balls with children’s songs and music from the 50s, 60s and 70s for the residents to enjoy.

Edinburgh residents who smoke urged to make quitting their goal in 2024

 People who smoke in Edinburgh are being urged to set the goal of leaving tobacco behind in 2024. 

Charity ASH Scotland is campaigning to improve the physical and mental health of people who smoke by encouraging them to use free expert stop smoking support provided by the NHS. 

Quitting is one of the biggest proactive steps people in Edinburgh who smoke can take to quickly improve health and mental wellbeing, reduce the risk of longer term illness and also save money. 

If a person who smokes decides to make a New Year’s resolution and starts to quit, not only will they find their health will improve by the end of January, in one month an average smoker could also save in the region of £250. 

Sheila Duffy, Chief Executive of ASH Scotland, said: “Tobacco is highly addictive and, although it can take a number of attempts to quit, some people find giving up cigarettes or tobacco easier than they had thought. 

“Don’t be discouraged if you’ve tried before, you’ll have learned something valuable about what did and didn’t work for you it is the best thing you can do for your health, finances and for those around you. 

“You don’t have to quit on your own in the New Year. We’re encouraging people in Edinburgh to seek person-centred support from local stop smoking services or the national stop-smoking service Quit Your Way Scotland. Getting support will give you the confidence to move forward with your quit journey and the tools you need to make the best possible start to 2024.” 

Contact Quit Your Way Scotland by visiting www.QuitYourWay.Scot or by calling the free helpline on 0800 848484. 

ASH Scotland is tackling tobacco head-on by campaigning to reduce the harms caused by smoking.

For more information, follow the health charity’s social media channels on Instagram and Facebook.