A new survey from Royal Bank of Scotland has found that a third (33%) of people in Scotland don’t feel financially secure or believe they have enough money to live comfortably and afford essential payments (e.g. groceries, utility bills, mortgage and rent payments) in the current Covid-19 climate.
Despite this, three in ten (29%) Scots surveyed admitted that they would be uncomfortable speaking to friends and family about their current financial status and three in ten (30%) said they have previously lied to make themselves seem more financially secure than they are.
Almost two-thirds (63%) of Scots surveyed also acknowledged that they would feel embarrassed to ask family or friends to borrow money, however, more worryingly, three in ten (29%) said they often and always feel depressed when they think about their current financial situation.
The research comes as Royal Bank of Scotland launches its new Financial Flex campaign that will encourage Scots – especially younger generations – to start talking more openly and honestly about their finances to combat growing worries around money. Through a Royal Bank Financial Health Check, anyone, whether a customer or not, can get free advice on how to manage their money better.
Psychotherapist Kelly Hearn, an accredited UK Council for Psychotherapy (UKCP) member, reviewed the findings. She said: “Financial anxiety is high and increasing in this pandemic, particularly among young adults.
“Money worries can lead to enormous shame and so are difficult to discuss. They cut straight to issues of self-worth and feelings of ‘not enough.’ Often people suffer in silence which only compounds the issue. A vicious cycle emerges where financial stress causes mental stress which affects physical health as well, particularly when coping mechanisms like binge drinking or eating are enacted.
“Financial anxieties affect most of us and yet are rarely discussed. It is time to address the taboo subject of money more openly as financial wellbeing is an important pillar of mental and physical health.”
The free financial health check service is available from Royal Bank. It is a review with a highly trained senior personal banker and is currently offered by video.
During the appointment, the senior banker will consider all areas of finances to help customers make the best decisions about what they feel is right for them. The review can also be completed by telephone if required.
Scots are being urged to seek support and advice from Home Energy Scotland to reduce heating bills and make their homes warmer and more energy efficient, as increasing numbers of households seek advice on ways to cut energy bills.
A recent survey shows that with more people working from home since the start of the pandemic, almost half of those (44%) worry this will lead to an increase in unaffordable energy bills.
The Scottish Government-funded Home Energy Scotland advice service has seen a significant increase in demand since July 2020. The average number of calls to the free advice service has risen by 95% compared with the same six-month period last year. In its busiest weeks, calls were up more than 200% on the same dates in 2019.
Through Home Energy Scotland, the Scottish Government offers support and funding to help reduce bills and save energy. This includes help worth up to £5,000 to make homes more energy efficient through the Warmer Homes Scotland programme.
Help is still available for householders throughout lockdown, with strict safety protocols in place for installation of essential home heating measures under this programme.
People are also encouraged to contact Home Energy Scotland to find out how they can make their home more energy efficient. Interest-free loans with cashback of up to 75% are available for a variety of measures such as solid wall insulation, double glazing or a new renewable heating system.
Loan offers are valid for a year so householders in mainland Scotland can prepare now for installations when lockdown is lifted.
Minister for Local Government, Housing and Planning, Kevin Stewart, said: “We want to ensure that people are able to get all the help and support available to them to keep warm and safe in their home especially during the winter.
“That is why we acted quickly and have taken action to ensure that appropriate support is available for those struggling with increased household energy bills as a result of the pandemic.
“I am really pleased that our award winning Home Energy Scotland service has adapted its approach during the pandemic and has continued to provide a range of free impartial advice and support for anyone concerned about paying their energy bills. I would urge anyone struggling with their fuel bills to get in touch with Home Energy Scotland.”
Harry Mayers, Head of Home Energy Scotland, said: “Home Energy Scotland helps householders with both practical and financial support. This year calls to our helpline have risen sharply, with more than 2,000 people turning to us each week for advice on how to reduce their heating bills, save money and keep their household warm.
“As well as financial support, our advisors help customers identify practical savings they can make at home, either by changing the way they use energy or carrying out energy-saving home improvements. We can also help people access further support through our network of partners across health, social care and other areas of advice.”
Home Energy Scotland from the Scottish Government provides clear and impartial advice on reducing bills and saving energy – call 0808 808 2282 or visit www.homeenergyscotland.org
• If you have a garage “use it” and lock it. If you have gates ensure these are locked. Consider using an alarm for you garage and gates.
• Leaving items on show is an invitation – Mobile phones, electronic equipment, coins, sunglasses, tools, clothing and bags should be removed from the vehicle or placed in the boot.
• Keys and ignition fobs should be kept safe and out of sight and reach – a common way to steal a car or van is to take the keys or ignition fob, either when left in the vehicle or from your home through burglary
• Always lock and close the windows of your vehicle when unattended – on the drive, the petrol station forecourt or when parking an unlocked vehicle is the easiest to steal or steal from. When away from home, consider using a Park Mark approved car park
• Fit theft resistant number plate fittings – stolen number plates are commonly used to hide the identity of stolen vehicles. Use one-way clutch head screws to secure plates
• Use a steering wheel lock and/or a lock that fits over the gear lever. Alternatively a security box can be fitted over the pedals to prevent thefts when the vehicle is parked up
• Double check: Listen out for the sound of your doors locking, lights flashing and/or mirrors closing. If you don’t hear or see this it make sure to double check
• Fit a tracker: These devices can alert you when your car is active and if it’s travelling in a new area.
Due to the pandemic restrictions the main North Edinburgh Arts venue will remain closed, but the NEA Pantry (in the old Co-op building on Pennywell Road) is open today from 10-2pm for new members, resuming usual hours from next Wednesday 13 January.
FRESH START PANTRY
New opening hours for Fresh Start Pantry on Ferry Road Drive
If you need help or advice, please call our North Edinburgh phoneline on 0131 356 0220 and we will help or signpost to who can!
GRANTON:HUB PANTRY
The first pantry of the New Year took place yesterday (Wednesday 6th January) from 11 – 12pm.
The pantry will continue to run on Wednesday’s on a fortnightly basis – next one will be Wednesday 20 January.
Working from home, especially during extended periods can be difficult to adjust to. For many of us, it means learning how to manage our different areas of work under new circumstances.
While we all experience and learn to adapt to new situations and environments differently, there are some challenges that we are all facing.
We’ve put together some top tips on how to get the most out of working from home while looking after yourself and your mental health.
Create your morning routine
Create a morning routine that brings you up until the moment you begin work for the day. It may sound trivial, but this helps you mentally prepare for the day ahead and get into the “I’m going to work” mindset.
You probably have a routine when you get to work, so creating a routine at home is also a good idea.
It could be making a cup of coffee. It might be returning home after a jog, or doing some mindfulness sessions. It could be getting dressed (although it may be tempting to stay in your pyjamas, it may not be the best look for those video conference calls!).
Whatever it is, setting yourself up for the day can improve your state of mind and psychologically prepare you to start work.
It is easy to lose track of time when working from home, so set a schedule, and stick to it…where you can.
Having clear guidelines for when to start work and when to call it a day helps maintain your life-work balance. Aim to start and finish at your normal working times.
We know that those in self-isolation, who have childcare or other caring responsibilities, may need to be more flexible in the times they might work. For example, you may need to switch to some evening work so you can spend time with children during the day. Speak to your line manager about agreeing a new temporary work schedule.
3. Create your own workspace
Although it’s tempting to head to your sofa with a laptop, you’re may find setting up a work area helps you stay focused. If you can, try to set aside a specific area or space where you can work. If you don’t have a desk, use a table or worktop.
Besides making you feel like you’re at an “office,” this helps you maintain good posture, avoid distractions, and mentally leave your work behind at the end of the day. The NHS advice is that you should adjust your chair so you can use the keyboard with your wrists and forearms straight and level with the floor.
4. Set ground rules with the people you share your space with
There might be other people in your home during these exceptional times. They may be working from home too or self-isolating. You may all need to share a limited amount of space so it’s important to set some ground rules. For example, when you need access to a certain area of your home; or designated times for ‘quiet time’.
Working with limited childcare options
With schools and nurseries closed, you may find yourself needing to come up with new routines not only for your working life, but within your personal life for your children or siblings. Talk to your employer or manager about potential flexible working opportunites at your place of work. You may want to consider the following:
Are the children old enough so you can still continue to work?
Can someone supervise the children some of the time?
Can you alter your working times?
Do I want to consider using some annual leave to spend time with children?
If children are at home, then try set some ground rules. Have clear rules about what they can and cannot do during that time, when they can come and speak to you and when you need left alone.
We also know that many schools have reminded parents not to set unrealistic expectations or goals. Its important parents take time to look after themselves too. If you are social care staff or co-parent with someone classed as a key worker, your children may still be able to go to school. Follow the Government’s most up to date advice.
5. Take breaks
Remember to take normal breaks, including your lunch break. Get up and move about, go for a short walk or make a coffee. Try setting a timer or alarm on your computer screen or mobile phone to remind you to take a break.
6. Connect with colleagues
Loneliness, disconnect, and isolation are common problems in remote work life, especially in the current uncertain and worrying situation. Making the effort to speak to your colleagues regularly can make a difference.
Conference calls, Zoom, Skype, and Microsoft Teams are all examples of how you can keep connected. Try to pick up the phone for a real conversation rather than relying on email or instant messaging all day. Video calls in particular can help you still feel connected to your colleagues.
7. Get some fresh air when you can
For those who need to self-isolate, opening the window may help you get as much fresh air as possible. Try to choose a spot with lot of natural light to work if you can.
Follow Government advice and do some exercise outside, even a short walk can benefit you both mentally and physically. Make sure to keep a distance from others when outside and be sure to wash your hands as soon as you return home.
8. Drink plenty of water
People get dehydrated when they sit, and if you’re heating is still on in your home, then you’ll need the extra water to keep yourself physically and mentally healthy.
To ensure that you are consuming a sufficient amount of water, keep bottles of water handy to make sure you drink your recommended 1.5-2 litres per day. You can also download apps on smartphone or tablet to remind you to drink regularly.
9. Stand up and stretch
Sitting all day isn’t healthy even if you’re at the office, but working from home means you skip your commute and have fewer reasons to get up from your chair throughout the day.
If it’s possible in the area you have set up for home working, try standing up to do your work for a change of pace. Standing uses more muscles and burns more calories than sitting and it’s good for your back and posture.
If you can’t stand and work, stretching is vital for maintaining good posture, especially when working at a desk for several hours a day. Try standing up every 30 minutes or so to stretch your chest and extend your spine to reverse the hunched position of sitting.
Standing and stretching can also help to reduce back and neck pain. Here are some suggestions to help you move and be mindful: a
Desk workout: 10 stretches to help ease aches and pains
10. Listen to music
If you find working from home to be a little too quiet, you miss the buzz of the office and find it difficult to focus, listen to music, turn on the radio, or put the TV on quietly in the background
11. End your day with a routine
Just like you should start your day with a routine, create a habit that signals the close of the workday. You might have a simple routine such as shutting down your computer and turning on a favourite podcast, or writing the next day’s to-do list.
Whatever you choose, do it consistently to mark the end of working hours. Put your work away or shut your laptop so you know you are back in your personal home time and place.
12. Reflect on your mental health
Ensure you take time to reflect on and try to be mindful of your mental health. Look out for changes in your feelings, practice self-care and be aware of any triggers or symptoms surrounding your mental health.
Make sure you keep in touch with support networks, even a text, phone call or video chat can make a difference.
For more ways to protect your mental health during these challenging times, check out our online information hub: www.samh.org.uk/coronavirus.
Citizens of the European Union who live in Scotland are being urged to apply to the EU Settlement Scheme.
In an open letter and video message, First Minister Nicola Sturgeon said it is vital that every EU citizen who wishes to stay in Scotland completes an application by 30 June, 2021.
While it is the Scottish Government’s view that EU citizens should not need to apply to protect the rights they already have to live, work and study here, the UK Government has made it a requirement.
First Minister Nicola Sturgeon said: “My message to everyone from the EU who lives and works here remains this: Scotland is your home, you are our family, and we’d be privileged if you would stay here with us.
“We are drawing close to the end of the Brexit transition period, and the end of a year in which we have together faced the unprecedented challenge of the COVID-19 pandemic.
“In these times of uncertainty and disruption, I would like to once again re-assure EU citizens that Scotland values you for the contribution you make to our society, our culture and our economy.
“While I don’t agree that you should have to go through an application process to secure rights that you should automatically have, I do want to ensure that you are able to stay in Scotland.
“Many EU citizens have already applied for the Settlement Scheme – but many more do still need to apply.
“My message is a simple one. Please apply. Scotland is a better place because you are living here.”
The open letter and video mark International Migrants Day, Friday 18 December.
The First Minister’s video message is available to view on @scotgov social media channels including Twitter, Facebook and Instagram from 18 December.
The open letter has been translated into Italian, Lithuanian, French, Polish, Romanian, Spanish and German, and is being made available to public and third sector stakeholders.
Stay in Scotland social media graphics have also been translated into Italian, Lithuanian, Polish, Romanian, Spanish, French and German.
Full text of the open letter from the First Minister:
Dear European Union citizens living in Scotland,
I wrote to you last in October 2019 at a time of considerable uncertainty leading up to our exit from the European Union. Since then all of us in Scotland and across Europe and the wider world have faced the huge challenge of the COVID-19 pandemic.
I would like to thank you for all you have done during this time as we have faced, and continue to face, this challenge together. You are of course our friends, family and neighbours in a year when the importance of these relationships cannot be overstated.
I believe that EU citizens in Scotland should not need to apply to protect the rights you already have to live, work and study here, but nevertheless there is a requirement, however unwelcome, to apply to the UK Government’s EU Settlement Scheme.
Thankfully, many of you have now applied to the EU Settlement Scheme and secured your status. Yet many of you are still to secure your status, and I must sadly reiterate that it remains critical that everyone who wishes to stay in Scotland must complete an application by 30 June 2021. Any EU citizen who is resident in Scotland before 31 December 2020 is eligible to apply, and I encourage you to do so.
The Scottish Government’s Stay in Scotland campaign provides practical guidance and support to help you protect your rights and complete your application to the UK EU Settlement Scheme.
Working with our partners we fund an EU Citizens’ Support Service with a telephone helpline which is free to use and staffed by qualified advisors. In addition we part-fund a network of advisors in Citizen Advice Bureaux throughout Scotland.
Accurate information about your rights is crucial. That’s why the Scottish Government commissioned the human rights charity, JustRight Scotland, to produce a series of accessible guidance notes on EU citizens’ rights. These are available in six languages and will help you better understand your rights to healthcare, housing, banking and other services in Scotland after 31 December.
You can find information on all the different support available to you at mygov.scot/stayinscotland, or contact the helpline for free on 0800 916 9847.
In light of the devastating impact of the pandemic, I hope that these resources will help you understand and exercise your rights. Please use them and encourage others to do the same.
My message to you remains the same: Scotland is your home, you are welcome here, we want you to stay.
Police are aware of incidents of Sextortion in the Edinburgh area. They encourage anyone experiencing this to contact them:
Many people use webcams for business, gaming or to enhance their online chat experience but sometimes people you meet online aren’t always who they say they are.
Sextortion is a type of cyber-enabled extortion which involves the threat of sharing sexual information, images or clips to extort money from you, whether images actually exist or not.
The extortion often takes place when the unknown person (offender) persuades you (the victim) to remove your clothes in front of your webcam and/or perform sexual acts.
You believe this to be a private act – but it is not. The offender, unbeknown to you (the victim) is recording everything that you do.
Very soon afterwards the offender will threaten you. They may demand money and threaten to share the images or videos with your friends on social media, or share publicly.
What can YOU do to reduce the likelihood of it happening?
Be sensible when using the internet. Only activate your camera when you want to. Make sure it is ‘off’ at all times when not required. Never allow yourself to be duped into activity that you will later regret.
If using video chat apps, be alert to the fact that ‘contacts’ are not always who they say they are. If you allow a relationship to develop be guarded if unusual requests are made of you.
If you use online chat rooms looking for a person to chat with – be careful about any relationship that you form and in particular if you are asked to transfer to a different chat platform.
Some online chat rooms have a visual contact facility so if you are looking for a person to chat with and allow a relationship to form – be guarded on what you say and do.
Relationships are quick to develop. End any that you are not comfortable with – stay in control of what you do.
If you make a mistake, you have doubts or you need support or advice – contact the Police or a support agency immediately.
REMEMBER – what goes on the internet stays on the internet – forever.
What to do if you’re a victim of sextortion
Do NOT panic. You have already taken the first big step by recognising you are the ‘victim’ in this and that you may require support to help you through this difficult time. The Police will take your case seriously, will deal with it in confidence, and you will not be judged
Do NOT pay. Although some victims who have paid what the offenders have demanded and hear no more about it, many others who have paid have then continued to receive further and often increasing demands. In some cases, even when the demands have been met the offenders will still go on to post the videos or images anyway
Do NOT communicate further with the offenders. Obtain screen shots of any communication, preserve evidence. Make a note of all details provided by the offenders, for example; the Skype name (particularly the Skype ID), the Facebook URL; the Western Union or MoneyGram Money Transfer Control Number (MTCN); any photos/videos that were sent, etc. Be aware that the scammer’s Skype name is different to their Skype ID, and it’s the ID details that police will need. To get that, right click on their profile, select ‘View Profile’ and then look for the name shown in blue rather than the one above it in black. It’ll be next to the word ’Skype’ and will have no spaces in it.
Deactivate your social media account and use the online reporting process to report the matter to the platform to have any video blocked and to set up an alert in case the video resurfaces. Deactivating the Facebook account rather than shutting it down will ensure data is preserved and will assist law enforcement in obtaining evidence. The account can also be reactivated at any time ensuring online memories are not lost forever
Report the matter to the Police and your online service provider. If the blackmail is occurring through a social network, also alert the administrator.
Remember that you’re the victim of organised criminals – you’re not alone and confidential support is available. You can get through this.
Further help and support
If this has happened to you and you’re under 18 please talk to an adult that you trust. It may feel like there is no way out, but there are professionals who can help you. Whether you are a concerned Parent, a worried friend or a child or young person who has been affected by online sexual abuse you can report your concerns to CEOP.
If you have already reported your concern to your local statutory service, including children’s social services or the police, you do not need to make a report to CEOP. Further information available HERE.
Additional information, help and support available from:
PAPYRUS provides confidential advice and support and works to prevent young suicide in the UK.
Samaritans to talk any time you like in your own way and off the record
As the days get shorter and colder, motorists are being offered advice on what they should do if they breakdown.
The experts at LeaseCar.uk have put together their tips to give drivers a helping hand if they find themselves ground to a halt.
Advice varies slightly depending on whether cars are on the motorway or driving in the countryside, but the overriding rule is to find somewhere safe to stop.
Among other advice is to get out of the vehicle and ensure the car is visible to others on the road.
Tim Alcock from LeaseCar.uk said: “Breaking down can be overwhelming particularly if it’s cold, the weather conditions are poor and you’re not sure where you are.
“The general rules are to pull over somewhere safe and to make sure the vehicle is visible to other road users. If you have breakdown cover, call them to get the recovery in process.
“What you do next very much depends on where you’ve broken down and how vulnerable you and your passengers feel.”
It’s important to get your car off the road, if you can, to avoid obstructing traffic and causing any unnecessary incidents. That can be harder on a motorway but where possible pull off at the next exit or onto the hard shoulder, stopping as far to the left as you can.
2. Make your car visible
Your car needs to be visible to other motorists, particularly if it’s dark or the weather conditions are poor. Make sure hazard lights are on and sidelights if it’s dark or foggy. Do not put a warning triangle out – the priority is to get off the road.
3. Stay safe
The advice is to get out of your car using the doors furthest away from the traffic and wait behind a barrier. If you’re on a motorway, try and move up a bank where possible. Leave any animals in the car.
4. Be seen if you have high vis jackets or waistcoats, put them on so you’re seen.
5. Warning triangles
If you’re on a motorway, do not use a warning triangle – your priority is to get away from traffic. If you’re on a quieter road and it’s safe, a triangle can be placed at least 45m behind your vehicle.
6. On a smart motorway
Smart motorways use technology to manage and keep an eye on the flow of traffic. The hard shoulder may be used as an extra lane, so if you breakdown and can’t get off the road, pull into one of the emergency refuge areas. If it’s safe, get out of the car. If you breakdown in a live lane, stay in the car with your seatbelt on and call for help.
7. In a city
Try to find a safe spot and put on your hazard lights. Open the bonnet if you can to show others you’ve broken down and you’re not just waiting by the side of the road.
8. In the countryside
If you are not causing an obstruction, there’s no need to put your hazard lights on. Instead stay in your car until recovery arrives. If you feel at risk, lock the doors.
9. In a car park
This is one of the safest places to breakdown. Open your bonnet so the recovery vehicles can find you. If you don’t want to stay with your car, wait by the entrance and you can guide the breakdown team to your vehicle.
This winter will be one of the most difficult in living memory with lockdown and increasing unemployment forcing more people to spend time in homes they can’t afford to heat and potentially ending up in hospital. Many people will use more, pay more and owe more, while earning considerably less.
Yesterday was Fuel Poverty Awareness Day and Scottish Gas Networks is raising awareness of how we can make sure our communities stay safe and warm this winter.
This includes our Help to Heat scheme, which supports those struggling to make ends meet by providing funding to connect some households to our gas network for free. In some cases, we can also fully or partially fund a gas central heating system.
According to National Energy Action (NEA), the same health conditions impacted by cold indoor temperatures will place people at greater risk of contracting COVID-19.
Coping strategies which people normally use to get through the cold winter months, such as only having one heated room for the family to socialise in, could also increase the spread of infection.
This not only threatens even more lives but hampers collective efforts to reduce infection and prevent the NHS from being overwhelmed. Some households also take risks by using unsafe heating sources such as a cooker or outdoor patio heater to get warmed up, which can cause carbon monoxide poisoning or start fires.
It’s important to us that our communities are safe and warm this winter and we want to help people to reduce their heating costs.
Heating a home with electricity is proven to be three times more expensive than it would be with a gas central heating system, so could you or someone you know benefit from a free connection to our gas network?
Mr R, a father of two from Winchester, received funding for a gas connection and A-rated central heating system from SGN’s Help to Heat Scheme. Mr R said: “I found the scheme while my heating was being temperamental. When we found out we could get the funding me and my wife were very happy, it was a huge relief. The heating system install was actually rushed through because eventually our old oil boiler just broke.”
The family had their brand new energy efficient heating system installed during the coronavirus pandemic, with emergency work continuing to ensure they weren’t left without heating.
“The contractors were great, I was really happy with the installation, it all ran very smoothly. I was really happy with Felicity on the phone, she took control of my install and I’m thrilled with the outcome, it worked out brilliantly!”
To find out if you or someone you know is eligible for a free gas connection and gas central heating from our Help to Heat scheme, visit sgn.co.uk/HelptoHeat, or call YES Energy Solutions on 0800 015 5174 to speak to a Help to Heat advisor.
You can also email our team at HelptoHeat@sgn.co.uk with your name and contact details.
If you’re already connected to our gas network, you can receive free independent support to assess your energy bills and consumption.
We work with established partners to help you to reduce your utility costs and help you to stay safe and warm this winter. Find out more at sgn.co.uk/extra-help
