Tag: advice

Citizens Advice sees surge in young adults needing help with managing money as cost-of-living pressures soar

  • New research shows nine in ten (90%) under 25s feel uncomfortable discussing finances
  • “We’re here to help”: charity reveals the number of young people needing support with managing money has doubled since 2019
  • Citizens Advice to place 6m-tall elephant in Manchester city centre to address the ‘elephant in the room’ and encourage young people to talk about their money troubles

The number of young people needing help with managing money has doubled since 2019, Citizens Advice has reported. The charity, which supported 66,000 under 25s last year alone, says one in five (20%) young adults seeking its advice need help with debt.

Citizens Advice warns many young people are feeling particularly squeezed by the cost-of-living crisis as they face a triple whammy of soaring living costs, rising private rents and high inflation. The charity is helping record numbers of people amid rising financial pressures.

Despite this, the vast majority of young adults still feel uncomfortable discussing finances. According to the charity’s new research, nine in ten (90%) under 25s shy away from such conversations, and would rather talk about sensitive topics like health issues, politics or religion instead of money.

To address this ‘elephant in the room’, Citizens Advice has placed a giant 6-metre-tall inflatable elephant in Manchester city centre, aiming to create a talking point and encourage young adults to open up about their finances and seek support. 

The elephant is being displayed in Exchange Square, by Manchester Victoria Station, on Saturday 17 February to try to break the silence young people experience when it comes to talking about money and raise awareness of the support Citizens Advice can offer. Staff and volunteers from the charity will be on the ground in Manchester to help answer questions from the public and give advice and support on money troubles.

The elephant’s colourful, money-related pattern has been designed by India Buxton, a Fine Art student at the University of Salford, who was commissioned by Citizens Advice after winning its competition. 

India, who received £500 prize money, said: “It feels fantastic to win the competition. Many young people, myself included, are in the dark about finances and don’t know where to start, or who to ask for help. It can feel like an embarrassing conversation, but it’s so important to do it, and hopefully this artwork will help get people talking.”

In the Citizens Advice study, embarrassment was listed as the top reason why young adults feel uncomfortable discussing money, followed by the fear of comparison.

The top five reasons why young people feel uncomfortable talking about finances are:

  1. Feeling embarrassed of their financial situation (35%)
  2. Feeling worried how their finances compare to others (31%)
  3. It’s too personal a topic to talk about (18%)
  4. Not wanting the other person to feel uncomfortable in the conversation (15%)
  5. Not knowing enough about finances to talk about the topic confidently (12%)

Jack, 24 from Derby, is in his first graduate job after finishing university and has around £2,000 in debt, mostly due to late payments on utility and council tax bills. He would love to pay off his debts and start saving, but is currently living “pay cheque to pay cheque”, as the cost of living crisis makes it even more challenging for him to manage his money.

Jack finds conversations about money difficult, but knows that avoiding the topic isn’t helping his financial situation.

Jack says: “My finances are not in a good position, and I feel terrible about it. My debt is going down gradually, but I don’t think it’s ever going to hit zero. 

“I’d feel more comfortable talking about money if I had a clue what’s going on, but I don’t like discussing it. Even though I know that talking to people who have had similar experiences to me would probably do me the world of good, I still won’t do it, because it’s awkward and stressful. 

“I’ve actually straight-up lied to avoid talking about my financial situation. For example, I didn’t have the heart to tell my flatmate that I couldn’t afford to go halves on a rental deposit, so I talked them into a zero-deposit option, even though I knew it put us in a worse position in the long term. It made me feel like a failure.

“A massive part of the problem is the cost of living. Everyone says, ‘Make a budget plan and stick to it.’ I would, but if my bills are going up by £100 every two months, where is the extra money going to come from?

“I fully think that my financial situation has been affected by not knowing where to get good advice. If I’d just spoken to someone and explained my current situation, they might have been able to tell me what to do.”

Rosi Avis, Partnership and Communication Lead at Citizens Advice Manchester, says: “All of us can struggle to find the words when it comes to talking about our finances. And we know young people are really feeling the pinch with rising costs and sky-high rents.

“At Citizens Advice we help thousands of people find a way forward every day. So whether it’s a dodgy landlord, a retailer who’s refusing to give you a refund, or help with credit card debt, we can support you.

“The most important first step is to speak to someone about your worries: whether it’s a family member, a mate or one of our trained advisers. We’re here to help and make you feel less alone.”

To support young people to feel more comfortable discussing finances, Citizens Advice has created an expert guide here: 

https://wearecitizensadvice.org.uk/elephant-savings-your-starter-guide-to-talking-about-money-6fef0d8f4b6d

Health Board urges people not to visit hospitals if they have symptoms of vomiting or diarrhoea 

Members of the public are being urged not to visit hospitals if they are displaying symptoms of vomiting or diarrhoea, or if they have been in contact with anyone who is unwell. 

NHS Greater Glasgow and Clyde (NHSGGC) issued the advice to those who are planning to visit loved ones in hospital. 

The health board said anyone with vomiting or diarrhoea symptoms, or anyone who has been in recent contact with someone with these symptoms, should not visit until they feel better. 

It comes amid a rise in winter related illnesses including Norovirus, Gastroenteritis, COVID-19 and flu across Scotland. 

Visitors are also reminded to practice good hygiene by ensuring they regularly wash their hands to prevent the spread of viruses. 

Nausea, vomiting and diarrhoea are common symptoms of these illnesses, along with headaches, fever and muscle or limb pain.  

Symptoms of Gastroenteritis include: 

  • Suddenly feeling sick 
  • Projectile vomiting 
  • Watery diarrhoea 
  • Slight fever 
  • Headaches 
  • Painful stomach cramps and aching limbs

Symptoms of COVID-19 include:

  • Continuous cough 
  • High temperature, fever or chills 
  • Loss of, or change in, your normal sense of taste or smell 
  • Shortness of breath 
  • Unexplained tiredness, lack of energy 
  • Muscle aches or pains that are not due to exercise 
  • Not wanting to eat or not feeling hungry 
  • Headache that’s unusual or longer lasting than usual 
  • Sore throat, stuffy or runny nose 
  • Diarrhoea 
  • Feeling sick or being sick 


Symptoms of flu include: 

  • A sudden fever 
  • A dry, chesty cough 
  • A headache 
  • Tiredness and weakness 
  • Chills 
  • Aching muscles 
  • Limb or joint pain 
  • Diarrhoea or abdominal (tummy) pain 
  • Nausea and vomiting 
  • A sore throat 
  • A runny or blocked nose 
  • Sneezing 
  • Loss of appetite 
  • Difficulty sleeping 


In recent years, taking precautions against viral infections have become part of our daily life and we can all continue to help each other by following guidance around slowing the spread of viruses and practicing good hygiene.

You can protect yourself and others by staying at home if you are unwell and by cleaning hands and surfaces regularly.  


Dr Aleksandra Marek, Consultant Microbiologist and Infection Control Doctor, said: “We are asking anyone with symptoms including vomiting or diarrhoea, or anyone who has been in contact with someone who has these symptoms, not to visit our hospitals. 

“During the winter months, illnesses such as Norovirus, Gastroenteritis, COVID-19 and flu, can add to the pressures that staff face across our sites. 

“To help protect yourself, your loved ones and our services, we are asking members of the public not to visit our hospital sites if they are displaying symptoms of any of these viruses.  

“We are also asking anyone who does attend a site to follow infection control guidance, such as washing your hands regularly.”

NHSGGC is urging people to only attend Emergency Departments (A&E) if their condition is very urgent or life-threatening.  

Any patient unsure of who to turn to has a range of options available to them: 

1. Visit the NHS Inform website:
https://www.nhsinform.scot/ 

2. Call NHS24 on 111 

3. Visit the NHSGGC website: https://www.nhsggc.scot/your-health/right-care-right-place/ 

For very urgent or life-threatening emergencies, the public should continue to call 999 or attend A&E. 

Fear of theft and violence putting a strain on tradespeople with more than nine in 10 targeted by criminals

  • More than nine in 10 tradespeople say they or someone they know have been victims of theft
  • Research shows 88% of those surveyed are concerned about the ongoing issue
  • Almost a third of tradespeople admit the fear of theft contributes to negative mental health
  • 60% in the industry do not believe mental health is spoken about openly
  • NFU Mutual is a proud supporter of Samaritans, whose volunteers offer emotional support to anyone who is struggling

More than nine in 10 tradespeople have been targeted by criminals as the fear of theft and violence puts a strain on the industry, alarming stats reveal.

New research* from commercial insurer NFU Mutual found that more than nine in 10 tradespeople (92%) say they or someone they know have been a victim of theft.

In the last 12 months alone, 53% of those surveyed said they had experienced tool or equipment theft, just shy of half had materials pinched, almost three in 10 had a vehicle stolen and 23% were victims of organised crime.

And those figures clearly weigh heavily on those in the industry, with almost a third of tradespeople (29%) admitting that the fear of theft and violence on their business contributes towards difficulties with mental health.

The rising cost of living (42%), financial worries (41%), stress of the job (39%), long hours (35%) and a lack of regular work (33%) were the other factors.

With almost nine in 10 tradespeople concerned about the threat of their equipment being stolen, NFU Mutual is urging workers to remain vigilant.

Trade theft pie chart1

Zoe Knight, Commercial Specialist at NFU Mutual, said: “Theft of tradespeople’s tools or equipment continues to blight the industry and the fact 92% of people surveyed say they – or someone they know – have been a victim speaks volumes.

“Tradespeople rely on this equipment for their income and livelihood, with crime hitting not just their pocket but, as our research shows, also having a huge and negative impact on their mental health.

“To see a third of tradespeople fearing theft or violence in their day-to-day job is worrying and we would urge tradespeople to do all they can to offput the threat of that happening – via security measures and recording serial numbers of equipment.

“We want tradespeople to feel supported and protected should the worst happen and know there is also help available for those struggling.”

A report by Builders Merchants News* revealed in December that texts to a construction charity helpline had seen an increase of 105% after the launch of an initiative to take the mental health message across the UK.

That could pave the way for more open conversations, with NFU Mutual’s survey showing that more than half of respondents believe that mental health isn’t spoken about openly in the trades industry.

While more than three-quarters of tradespeople did say they were confident or fairly confident they would know where to go for support if they were struggling, worryingly,  almost four in 10 (36%) said it is unlikely they would seek help if they had mental health problems.

Trade theft pie chart2

Commercial insurer NFU Mutual is a proud supporter of Samaritans, a charity which offers round the clock emotional support to anyone struggling to cope.

Jason Jaspal, Assistant Director of Business Development at Samaritans, added: “Samaritans offers a listening ear and a safe space to share how you’re feeling 24 hours a day, 365 days a year.

“It’s vital that tradespeople reach out for support when they are finding life tough, rather than letting things build up and potentially reaching a crisis point. It doesn’t matter what they’re finding challenging, Samaritans is here so they don’t have to face things alone.”

NFU Mutual Risk Management Services is sharing the following advice to tradespeople:

  • Minimise storage of tools and equipment in vans: a robust, lockable building is preferable. Consider intruder alarms for high value equipment.
  • If you have to leave tools and equipment in a van, make sure it’s alarmed and, as a minimum, park against a wall so that doors cannot be opened easily.  
  • Don’t make it easy for thieves to guess that equipment is kept inside (a van or a building) e.g. by leaving items on display and leaving tools around which may assist an intruder.
  • Store portable items within a robust, lockable store that is fixed in place.
  • Restrict and control vehicular access to the work site.
  • Consider video security system (temporary systems and temporary intruder alarm systems are available for site use).  
  • Security mark your tools and equipment (e.g. forensic, engraving or permanent marking) to deter thieves and aid recovery.
  • Don’t stockpile high value materials such as lead and copper or leave them around for longer than necessary.
  • For construction vehicles use CESAR marking, tracking and immobilisation to prevent and trace thieves.
  • Check all locks and security measures before leaving any site e.g. alarms switched on, cameras facing the right direction and security lights working.

For quality trades insurance to suit all sizes, search NFU Mutual Builders and Trades Insurance at www.nfumutual.co.uk/trades-insurance/.

For more information about Samaritans and the work the charity does, visit https://www.samaritans.org/

Health charity urges Edinburgh residents to share experiences of successful quit smoking attempts

People in Edinburgh who have successfully given up smoking in the last couple of years are being encouraged by a campaigning health charity to share their experiences about how they managed to quit.

As part of the charity’s preparations for No Smoking Day which takes place on 13 March, ASH Scotland is urging Edinburgh residents to share details of their journeys to live a tobacco-free life by highlighting the motivating factors which prompted their quit smoking attempts and if they gave up through sheer willpower and personal determination or the types of support they found to be most useful.

Sheila Duffy, Chief Executive of ASH Scotland, said: “Ahead of No Smoking Day on 13 March, we would love to hear from people in Edinburgh about their successful experiences in the last couple of years or so of giving up smoking for good.

“We look forward to discovering everyone’s inspirational stories, which could encourage others to quit smoking for the first time or try again to live a life free from tobacco and enjoy a healthier future with opportunities to spend their money in other ways.” 

The charity is asking people to share stories up to a maximum of 200 words by emailing: comms@ashscotland.org.uk or via ashscotland.org.uk/your-story.

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.

January Sales? Take Five!

Remember the #TakeFive advice to avoid purchase scams in the January Sales:

⚠️Be suspicious of any ‘too good to be true’ offers or prices

⚠️Use the secure payment method recommended by reputable online retailers and auction sites

⚠️Where possible, use a credit card when making purchases over £100 and up to £30,000 – as you receive extra protection

⚠️Do your research and read online reviews to check websites and sellers are genuine

#StopChallengeProtect✋☝️👊

#TakeFive

Businesses urged to ‘be prepared’ as Britain set for snow and cold snap

  • Snow and sub-zero temperatures predicted in parts of UK this week
  • Commercial insurer NFU Mutual issues advice to businesses and retailers with cold snap set to hit
  • Businesses warned of risks of frozen pipes and dangerous ice on premises

Commercial insurer NFU Mutual is urging businesses to be prepared for heavy snow and freezing temperatures as icy weather is predicted this week.

After weeks of unsettled weather, a cold snap is expected throughout the week, with the Met Office warning of plunging temperatures and snow.

A yellow warning for snow and ice was issued on Monday, with snow showers and sub-zero temperatures predicted – bringing risks for businesses and the high street.

Zoe Knight, Head of Commercial at NFU Mutual, said: “While businesses will have rightly been focusing on the potential flood risks due to recent storms, we are now facing a period of colder weather and possible snow showers, which will bring a different set of risks.

“Retailers, hospitality, and independent businesses should all be prepared and take essential steps to keep themselves, their premises and their customers safe during adverse weather.

“NFU Mutual urges business owners to clear and grit pathways and car parks, include warning signage for customers, check your boilers have been serviced, ensure pipes are insulated and check your roof in preparation for the strain caused by potential snowfall.

“Don’t be complacent about the risks cold weather can pose to businesses and customers. As well as causing disruption across the UK, cold weather and snow storms can bring devastating damage to businesses, so it’s well worth taking simple steps to reduce the risk.”

Commercial insurer NFU Mutual’s cold-weather and snow advice to businesses

Safe premises:

  • Clear and grit pathways and car parks to ensure the surface isn’t dangerously slippery.
  • Use warning signs if safe to do so and where they do not obstruct pathways
  • Check your boiler has been serviced as winter months will put more strain on parts
  • Ensure pipes are insulated in unheated areas to avoid the risk of costly damage due to frozen pipes often resulting in water leaks
  • Make sure your heating is on a temperature setting high enough to prevent freezing of pipework when the premises are unattended
  • If a pipe does become frozen, turn off the water supply and then gently heat the relevant area. Flame producing equipment should not be used for this.
  • Make sure you know where the stopcock is in case you need to turn off your water supply. Have buckets or other containers available in case of emergency
  • Maintain roofs, gulleys, gutters and downpipes in good condition. The weight of accumulated snow can put added pressure on roofs, particularly if they are in poor condition.
  • Clear drains or ditches outside your business to allow melting snow to run away.

Safe people:

  • Make sure there is a place for your staff to keep warm or warm up, such as a rest room or kitchen where they can make a hot drink
  • If work rooms are cold, consider providing temporary extra heating – make sure they are in good working order and checked for electrical faults
  • Provide your staff with warm weather clothing if their work involves long spells of exposure to the cold
  • Avoid making non-essential business journeys in your vehicles unless it is safe to do so
  • If you decide to close your premises, notify customers and keep in touch with staff to avoid unnecessary journeys
  • Make sure you assess the risks from cold and adverse weather for all the work that is done as part of your business – don’t carry out a task if it’s not safe to do so.

PDSA: Arctic blast warning

COLD WEATHER ADVICE FOR PETS

Winter can be a fun time for pets, but with forecasts of an ‘arctic blast’ on the way, PDSA experts are warning owners to keep our four-legged friends safe and warm in the wintry conditions. Pets can be at risk of hypothermia if they get too cold, but it’s also important to ensure they stay active during freezing temperatures. 

PDSA, the vet charity for pets in need, asked their Vet Nurse Nina Downing to put together her top tips on keeping our pets cosy and safe through the big freeze:

Dogs

  • Giving dogs their daily walks is important for their physical and mental health, even during the colder months. Try to do this during daylight hours if possible, and consider getting a good dog coat.
  • LED collars or high-vis leads are a good investment, to help keep both you and your pooch visible if you’re braving the dark nights and mornings.
  • If your dog gets wet while out, dry them off as soon as possible. If you drive your dogs to walks, then keeping a towel in the car is a good idea.
  • Check their paws after walks too, as snow can build up and form clumps on the fur between dogs’ toes, which can be painful. Salt and grit can also irritate their pads, so when they return from winter walks it’s a good idea to wash their paws in warm water. Keep the fur between their toes trimmed short, and you can even use some paw butter or pet-friendly skin cream which may prevent their pads becoming dry and sore.
  • Don’t leave dogs in cars – the inside temperature can quickly become as cold as the outside, even if you’ve just been driving with the heating on.
  • Never leave dogs locked outdoors, ensure they can always access shelter and warmth.
  • Watch out for ice, this can be slippery for them as well as us, and if it’s broken it can even cut their paws. Keep dogs off icy surfaces, and definitely keep them away from any frozen lakes and ponds.
  • If your dog is very young, elderly, skinny or poorly then they are at higher risk of hypothermia. They can’t control their body temperature well so need extra care to keep them warm. High risk pets should only go outside for short times in cold weather, and should be closely supervised. Give them extra bedding and consider getting a pet-safe heat mat.

Nina added: “It’s worth considering whether your dog would benefit from a good winter coat to keep them warm and dry.

“Pets that are young, old, unwell, or that have very thin fur, can all benefit from this extra protection. Make sure coats fit well and don’t restrict your dog’s movement.”

Cats

  • Make sure your cat has a warm, comfy bed, in a draught free area of the house. If possible, make sure this is raised off the floor – cats are often more comfortable when higher up and it will keep them out of the coldest draughts.
  • Never leave cats locked outdoors, ensure they can always access shelter and warmth.
  • If your cat prefers to stay indoors during very bad weather, help them stay active by providing toys and enrichment activities. This will ensure they don’t miss out on vital exercise. Also make sure they have a litter tray that’s kept clean, so they don’t have to go outside if they don’t want to.
  • If your cat prefers to spend time outside, make sure they can always come inside when they want to. Providing an alternative option, in case cat flaps get frozen shut or blocked by snow, is also a good idea.

Nina continued: “It’s really important that our pets stay active during the winter – don’t let them become a coach potato! This can be challenging when the weather is uninviting, but many dogs and cats still enjoy exploring the great outdoors even during the cold and the wet.”

She also has some advice for keeping smaller pets like rabbits, guinea pigs and ferrets cosy in the cold weather:

Small pets

  • Bring hutches under shelter – a shed or car-free garage is ideal, to protect them from draughts, rain and snow. Pets that are used to living outdoors can find a centrally heated home a stark contrast, so a cooler room is better, if you bring them indoors. Make sure they have access to natural light and an exercise run.
  • Bulk up bedding – give small pets extra bedding during the winter, so they can snuggle right down to keep warm.
  • Provide protection – if there’s no option than to keep hutches outdoors, then drape a blanket or piece of carpet over the mesh door to keep out the worst of the weather. You could also use plastic sheeting, but make sure any covers don’t obstruct ventilation.
  • Don’t forget to check water bottles or bowls several times a day to make sure they’re not frozen.

For more advice from PDSA experts, go to PDSA’s website pdsa.org.uk/winterhealth

ROSPA: Drive with added caution amid looming cold weather

  • The Royal Society for the Prevention of Accidents has issued urgent guidance to those travelling in cold and snowy weather
  • Disruptive conditions are set to hit many areas of the UK
  • Road experts warn of increased chance of collisions

With icy temperatures and ‘disruptive’ snow hitting large parts of Britain, and parts of the UK still grappling with flooding, leading road experts The Royal Society for the Prevention of Accidents (RoSPA) has issued some vital road safety advice.

Advising on winter driving, Rebecca Guy, RoSPA’s Road Safety Manager for England, said: “Snowy conditions can pose a real challenge for drivers so it’s worth knowing how to prepare yourself so your journey can be as smooth as possible.

“Before you set off, check the weather conditions to ensure you’re not caught out, and don’t forget to wipe off snow from the top and windows of your car. This will avoid snow falling onto your windscreen while driving and impacting your line of sight. In very bad conditions, avoid driving completely, unless you absolutely have to make the journey and driving is the only option.

“It’s also a good idea to leave more time than usual for your journey, and to check your tyres, fluid levels, lights and fuel or charge levels before you set off. If your journey is essential, packing some warm clothing, a fully charged mobile phone, some food and a drink can help you to be prepared if you do break down – and even a pair of sunglasses can stand you in good stead in case the sun comes out and reflects on the road ahead.

“If you can, try and move off in second gear and change to a higher gear as soon as possible once the car is moving. Ensure you accelerate gently and smoothly, using low revs. Ideally, stay in a steady gear and leave as much room in front of you as possible so you can maintain a constant speed – and don’t forget that stopping distance can be increased up to 10 times in snowy weather.”

Other factors to consider if driving in snow or ice:

  • Slow down in plenty of time before bends and corners
  • Braking on an icy or snow-covered bend is extremely dangerous. The centrifugal force will continue to pull you outwards and the wheels will not grip very well. This could cause your vehicle to spin
  • Increase the gap between you and the vehicle in front. You may need up to 10 times the distance for braking in good conditions
  • Visibility will probably be reduced, so use dipped headlights

If you get stuck in snow:

  • If you get stuck in snow, revving your engine to try to power out of the rut will just make the rut worse. Instead, move your vehicle slowly backwards and forwards out of the rut using the highest gear you can
  • If this doesn’t work, you may have to ask a friendly passerby for a push or get your shovel out.

Rebecca went on to advise those encountering flood water: “The past few weeks have seen a concerning level of flooding in many areas of the UK. It is essential to have the latest information at hand to avoid roads or pathways that are submerged in water.

“Not only can a flooded car be costly, it can lead to drowning so it is important to never attempt to drive through a waterlogged area, especially If the road has been closed off.

“Before leaving the house, consider whether your vehicle really is in a roadworthy condition for extreme weather, and check its tyres, brakes, lights and fluid levels.

“If your vehicle is not in tip-top condition, you are more likely to break down and get stranded. Therefore, keep an emergency kit in your car, especially if you’re going on a long journey. If this seems unnecessary, take a moment to imagine yourself stranded in your car overnight. ”

If you’re in a flooded area, it is also worth considering the following when nearing an affected road:

  • Avoid the deepest water – which is usually near the kerb
  • Don’t attempt to cross if the water seems too deep
  • If you are not sure of the water’s depth, look for an alternative route
  • If you decide to risk it, drive slowly in first gear but keep the engine speed high by slipping the clutch – this will stop you from stalling
  • Be aware of the bow wave from approaching vehicles – operate an informal ‘give way’ with approaching vehicles.

For more information, please visit our Winter Driving Tips page here.

winter-driving-factsheet-copy_1Download

NFU Mutual: Five tax tips for self-assessment returns 

After HMRC revealed 5.7million people still need to submit their tax return before the January 31 deadline, NFU Mutual Chartered Financial Planner Sean McCann shares five top tips:

1. Don’t forget to claim higher rate tax relief on pension contributions

Sean said: “Millions more people are paying a higher rate of income tax thanks to the long-term freeze on the £50,270 threshold, and the Office for Budget Responsibility estimate six million paid higher or additional rate income tax in 2022/23.

“When you pay into your pension, for every £80 you pay in, your pension provider will get another £20 direct from HMRC. If you pay 40% or 45% income tax you’ll need to claim the extra 20% or 25% tax relief via your tax return.

“Many higher and additional rate taxpayers do not do this, potentially missing out on thousands of pounds in unclaimed tax relief. Those who crossed the 40% threshold for the first time in the last tax year may be unaware that they are entitled to a rebate.

“Additionally, if you haven’t claimed on previous year’s tax returns, you can go back up to four years and claim any higher rate relief due by contacting HMRC direct.”

You can claim it here

2. Get help with the cost of professional subscriptions

Sean said: “If you need to be a member of a professional organisation to do your job, and your employer hasn’t paid the subscription for you, you may be able to claim tax relief on the cost. There is a long list of approved professional organisations on HMRC’s website.”

Available here.

3. Watch out for the Child benefit tax trap

Sean said: “If you’re the highest earner in your household with an income of more than £50,000, and you or your partner claim child benefit, you’ll need to pay the child benefit tax charge. For every £100 of income you have over £50,000 you pay back one per cent of the child benefit. Once your income reaches £60,000 you repay the full amount.

“You can become subject to the charge if you moved in with someone who is claiming child benefit, even if they’re not your children. The good news is anything you’ve paid into your pension is knocked off your income before the charge is assessed. If it reduces your income below £50,000 you won’t need to pay the charge.  

“HMRC sent out more than 127,850 reminders in 2022/23 to people who needed to pay the High Income Child Benefit Tax Charge. Ignoring these letters could land you with interest payments and a fine. HMRC has collected nearly £20m in fines from people who failed to pay this tax since its introduction in 2013.”

4. Charitable donations

Sean said: “If you’ve given to charity via gift aid and you pay higher rate tax, you can claim back additional tax relief through your tax return.

“For example, if you donate £100 via gift aid, the charity will claim an additional £25, to make the total gift £125. If you pay 40% tax, you can reclaim up to an extra £25 for yourself (£125 x 20%).

“Previous research has indicated that only 22% of higher and additional rate taxpayers who donate to charity claim this relief because the perceived effort involved puts many people off.

“However, it is relatively simple to do via a self-assessment tax return and could be worth a lot of money for those who donate significant sums.

“Because more people are being dragged into paying higher rate of income tax, the amount of charity tax relief claimed by higher rate taxpayers has rocketed 34.5% in the past two years from £550m in 2020/21 to £740m in 2022/23.”

5. Don’t forget any capital gains

Sean said: “If you sold or gave away shares in the 2022/23 tax year, you need to declare and pay any tax due on gains made.

“Many people don’t realise that they can face a Capital Gains Tax bill when they gift shares or property – other than their main home – to anyone other than their spouse or civil partner.

“It’s worthwhile checking if you have any losses available to offset any potential bill. Any shares or investment held within an ISA or Pension are normally exempt from Capital gains tax.”

Fans heading to Euro 2024 in Germany warned of new travel rules

As Euro 2024 approaches, excitement is building among UK football fans planning to visit Germany for the tournament. However, post-Brexit travel rules and potential additional costs are crucial considerations for UK travellers.

Travel experts from Football Ticket Pad, delve into the key aspects UK fans need to be aware of to ensure a smooth and enjoyable experience:

Passport Validity and Visas

Since Brexit, UK passports must meet specific criteria for travel within the Schengen Area, including Germany:

Validity: Your passport must be valid for at least six months beyond your planned date of return.

Issue Date: Passports older than 10 years, even with validity remaining, might not be accepted.

For stays up to 90 days in a 180-day period, UK citizens do not require visas for tourism, including attending sports events. However, keep an eye on any changes in visa policy as the event draws closer.

ETIAS Requirement (Expected from 2024)

The European Travel Information and Authorization System (ETIAS) is expected to be operational by 2024. UK citizens may need to apply for this pre-travel authorization, similar to the US ESTA system. The process involves a small fee and is completed online.

Health and Travel Insurance

With the UK no longer part of the EU, European Health Insurance Cards (EHIC) issued in the UK are not valid. It’s vital to have comprehensive travel insurance that includes health coverage. Failure to have appropriate insurance might result in significant costs if medical care is needed.

Roaming Charges and Connectivity

Since Brexit, the guarantee of free roaming within the EU no longer applies to UK mobile users. Check with your provider for specific roaming policies and consider purchasing a local SIM card in Germany for cost-effective data and calls.

Driving in Germany

If you plan to drive:

International Driving Permit (IDP): Depending on the type of UK licence you have, you may need an IDP.

Vehicle Insurance: Ensure your vehicle insurance covers travel in Germany.

Emission Stickers: Some German cities require an emissions sticker to drive in certain areas.

Cultural Etiquette and Local Laws

Understanding local customs and laws can help avoid unintentional disrespect or fines:

Recycling Laws: Germany has strict recycling laws. Improper disposal of waste can result in fines.

Public Behaviour: Disorderly behaviour, especially in public spaces, is frowned upon and can attract penalties.

Managing Costs and Budgeting

Currency Exchange: Remember, Germany uses the Euro. Keep an eye on exchange rates and consider using travel cards to manage currency exchange fees.

Accommodation and Travel: Book NOW, to secure better rates. Consider alternative accommodations like hostels or Airbnb.

Final Tips for a Hassle-Free Experience

Emergency Numbers: Familiarise yourself with local emergency contacts. In Germany, 112 is the emergency number.

Language: While many Germans speak English, learning basic German phrases can enhance your experience.

Event Tickets and Local Transport: Ensure your event tickets are booked in advance and research local transport options.

James O’Leary, from Football Ticket Pad says: “While the post-Brexit era has brought changes to travelling from the UK to EU countries like Germany, with adequate preparation and awareness of the new rules and potential costs, UK fans can look forward to an exciting and memorable experience at Euro 2024.

“Remember, the key to a smooth trip lies in planning ahead and staying informed!”