Tag: advice

Virgin Money teams up with Good Things Foundation to tackle digital poverty in Edinburgh

Virgin Money has teamed up with leading digital inclusion charity Good Things Foundation to help tackle digital poverty in Edinburgh and surrounding areas, by giving people access to free sim cards provided by the innovative National Databank Programme in their Edinburgh store, as part of the bank’s nationwide support of the initiative.

The National Databank, founded by Virgin Media O2 and Good Things Foundation, is like a foodbank but provides free mobile data, texts and calls for people in need. Virgin Money is the first bank in the UK to sign up to the programme and will distribute O2 sim cards that will be loaded with 20GB of free data every month for six months, from 16 stores across the country.

Users can request a voucher from a local community support organisation registered with the National Databank and take it to their nearest Virgin Money store delivering the programme. Specially-trained hosts will work with users to register their sim cards, which provides enough data for around 220 hours of internet browsing per month, show them how to get online and offer tips on how to stay safe when browsing.

Other Virgin Money stores taking part in the programme include Aberdeen, Birmingham, Blackpool, Cardiff, Glasgow Hillhead, Grimsby, Inverness, Kilmarnock, Leeds, Manchester, Montrose, Newcastle and Peterborough, Rotherham and Sheffield.

Hugh Chater, Chief Commercial Officer at Virgin Money, said: “For many low or no-income households, paying for data is simply another bill that they can’t afford.

“Without it however, they are missing out on accessing essential money management and support services such as benefits calculators, online job boards and price comparison sites that can help to reduce their monthly outgoings.

“Through our new partnership with Good Things Foundation and Virgin Media O2, we are working to tackle this digital divide and taking one step closer to ending the poverty premium.”

Helen Milner OBE, Group Chief Executive at Good Things Foundation: “Having enough data in our increasingly digital society is not a nice to have, it’s an absolute essential.

“If you’re not online you can’t save money on products and services, help your children participate in home-learning, or apply for jobs. There are 2 million households struggling to afford internet access in the UK today, and 10 million adults lack the most basic digital skills.

“We’re very proud to be working together in partnership with Virgin Money and Virgin Media O2 to help tackle this and help even more people access the National Databank. Together, we can come together to help address the issue of data poverty in the UK once and for all.”

Partnering with Good Things Foundation is the latest in a number of actions Virgin Money is taking to help eliminate the poverty premium among its customers and wider communities by 2030. Earlier this year the bank joined forces with Turn2Us to offer access to a free online benefits calculator.

Virgin Money has also developed an online cost of living hub with advice on dealing with price rises and cutting bills. The bank also provides regular, free financial advice to its 6.5 million customers and signposting to support services for people that need extra help – whether they’re a customer or not.

To access Virgin Money’s cost of living support services, visit: 

https://uk.virginmoney.com/service/support-hub/cost-of-living/

To find out more about National Databank or locate your nearest community organisation taking part in the programme, visit: 

https://www.goodthingsfoundation.org/databank/

For more information on Good Things Foundation visit 

www.goodthingsfoundation.org.

Winter wellbeing: How to stay positive when things seem pretty bleak

Psychologists give advice and tips this winter

Holding on to small moments of joy and positivity is going to be particularly important this winter, with the cost of living and energy crises likely to continue making things difficult for people across the UK.

Psychologists from the British Psychological Society have given their advice and tips for finding the light this winter when things are feeling tough.

“We often see a rise in people feeling down or struggling as winter hits, particularly after the clocks go back, making our evenings darker, and as the cold weather begins to bite”, says Dr Joan Harvey, a chartered member of the BPS.

“This year we have more stresses and challenges than normal, with the cost of living crisis causing incredibly difficult decisions for people as they struggle with soaring prices. Increased stress in the run up to Christmas is normal, and this year even more so with budgets stretched and many re-assessing their plans.

“We hear a lot about Seasonal Affective Disorder (SAD), which people sometimes experience during the winter months, and this year we might expect to see more people struggling with a combination of SAD and cost of living induced stress and worry,” adds Dr Harvey.

“There are things that we can do to manage our mental health this winter. While these tips will not tackle the incredibly difficult challenges and choices they have to make, I hope they will serve to help a few people.”

  • Set small goals and targets – don’t try and set yourself massive to-do lists or targets, but instead keep goals small and achievable. The sense of achievement from achieving your targets and goals can be a real boost.
  • Get as much daylight as possible – where you can, get outside in daylight hours for a walk or some fresh air, the more light the better. If you have flexible hours at work try to schedule some time in for a walk on your lunchbreak.
  • Lamps similar to daylight – these can be really effective if you are struggling to get enough daylight and it is impacting your mood. These can come on in the morning in time to wake you up, or they can be used in the evening.
  • Manage expectations around seasonal festivities – for many, this year will pose a really difficult financial challenge. A way to combat some of the problems we are all facing might be to go for more personalised presents, including some that you can make yourself. Anything practical can help us feel more hopeful about what we can achieve and for less money too.
  • Seek support if you are struggling – if you are struggling then do reach out to either a friend, family member or your GP. There is support out there and you don’t have to struggle through on your own.

PDSA: Road Safety 101

Keeping dogs safe while out and about

Heading out for a walk is great, not only for our own mental and physical health, but for our dogs’ wellbeing, too.

But with the dark evenings drawing in, walking along roads can become increasingly unsafe for us and our furry family members – each year, vet charity PDSA treats thousands of pets who have been involved in road traffic accidents.

As we mark Road Safety Week (14 – 20 November), PDSA Vet Nurse, Nina Downing, has shared some top tips for keeping furry friends safe while out and about:

Keep them on the lead

“The easiest way to keep your pooch safe while out walking, especially near roads, is to use a lead. A short lead, attached to a well-fitted collar or harness, will give you more control and keep your pup close by – this is particularly important as the nights grow darker.

“If you let your pooch off the lead to run around, only do so in a secure, enclosed area where they can’t run onto nearby roads or become disorientated and lost. It’s also vital and a legal requirement that, should the worst happen and you get separated, your pet is wearing a collar and tag and that their microchip details are up to date.”

Stop, look, and listen

“Our four-legged friends aren’t naturally street smart when it comes to avoiding traffic, so it’s important to train them to stop and wait to help prevent them rushing onto an unsafe road. To do this you’ll need three separate commands – ‘sit’, ‘wait’, and ‘go’.

“When approaching a curb, ask your pet to sit and wait while you check the road is clear, rewarding them when they’re calm and sitting. Once the coast is clear, instruct them to cross safely and reward them when they reach the other side. Make sure you do this each time you cross the road to help your pet learn the routine, and understand that it’s more rewarding to wait than to dash across the road.”

Stay visible

“It’s always best to walk your dog during daylight hours but, as the days get shorter, this may become trickier, so making sure you and your pup are both visible on your walks is important. 

“Wearing a high visibility jacket is great for this, as is brightly coloured clothing, so that drivers can spot you. You can also use a reflective lead, harness and LED collar for your pooch.

Remember to take a torch to help keep your surroundings illuminated when you venture out, too, and choose roads with pavements where you can”

Master key commands

“It’s a good idea to consider teaching your dog an emergency ‘stop’ command – as an extra safety precaution. Even if they aren’t let off the lead, being able to control them in an emergency is important for their safety.

“It only takes something small to spook your dog and for them to run towards the road, so training them to obey this verbal instruction is another safeguard to keep you both happy and safe while out and about.”

For more information on ensuring your dog gets enough exercise, visit:

https://www.pdsa.org.uk/what-we-do/blog/6-road-safety-tips-for-dog-owners

Support for people living in Edinburgh to tackle energy bills and fuel poverty

There are now an estimated 860,000 fuel-poor households in Scotland following the latest increase in energy bills on 1 October

As more and more people across the country continue to worry about the cost of living, Zero Carbon Buildings Minister Patrick Harvie wants people living in Edinburgh to know that free impartial advice and financial support is available to help make home energy improvements.

Home Energy Scotland’s ‘Warmer Homes Scotland’ programme could provide funding of up to £5,000 to help support homeowners in Edinburgh to make their homes warmer, greener and more efficient to heat. This latest Scottish Government campaign aims to raise awareness of the support available to tackle energy bills and fuel poverty. 

Commenting on the launch of the Home Energy Scotland 2022/23 campaign, Zero Carbon Buildings Minister Patrick Harvie said: “Many people across the country including Edinburgh continue to worry about the cost of living crisis and the big rise in energy bills caused by surging gas prices.  

“Our latest estimates indicate that there are around 860,000 fuel-poor households in Scotland, of which 600,000 will experience extreme fuel poverty, following the latest increase in energy bills on 1 October. 

“We are making sure that anyone in Edinburgh worried about or struggling to pay their energy bills can get the right support and advice.  

“Our Home Energy Scotland service, delivered by the Energy Saving Trust, provides free and impartial advice, support and funding to help households in Scotland to better insulate their homes saving on energy costs while at the same time reducing their impact on the environment.  

“The Home Energy Scotland team are on hand to advise how our Warmer Homes Scotland programme could provide funding of up to £5,000 to help make your home warmer, greener and more efficient to heat.  

“A range of measures – big and small – to improve energy efficiency around your home are likely to be available, and I’d urge all households to find out more and get advice as soon as possible.”  

PDSA: Remember, remember your pets this November

Five top tips to help your pets this fireworks season

Bonfire Night is fast approaching, so PDSA, the vet charity for pets in need, is urging pet owners to take steps to help prevent their furry family members from becoming anxious this fireworks season.

Many of our pets’ senses are far more acute than ours, so loud noises and bright flashes can be overwhelming, making fireworks season a potentially traumatic and anxious time. In fact, the 2022 PDSA Animal Wellbeing (PAW) Report revealed that 41 per cent of dog owners and 30 per cent of cat owners said their pets were afraid of fireworks*.

PDSA Vet Nurse Nina Downing said: “In 2021, in our 48 Pet Hospitals across the country we saw 1,200 animals with firework related issues such as phobias and injuries, highlighting the real impact on our furry friends.

“November can be an especially scary period for our pets because of this, but taking the time to prepare them for our celebrations can make a huge difference. Luckily, there are some simple steps you can take to help four-legged family members feel more comfortable this November. 

  1. Start early

“Talk to your vet if you know your pet becomes distressed by fireworks – they may be able to prescribe medication to help. The earlier you begin desensitising pets to the sounds that come with Bonfire Night, the less likely they are to have a negative association with them. Play firework noises quietly throughout the house and reward your pet with praise and a healthy treat when they remain calm. Gradually increase the noise but stop immediately if they begin to show any signs of distress – try again at a lower volume once they feel at ease. It’s important to go at your pet’s pace – remember some animals may have a lower tolerance to loud noises than others.

  1. Use music and pheromones

“Music can be really helpful to drown out the sound of bangs, but if your pet isn’t used to the tunes, that could be a surprise in itself. Use your own playlist, or try one we’ve created, and play it around the house in the days leading up to Bonfire Night, then when you need the music to mask the noise, your pet should be used to it. Remember that plug-in pheromone diffusers can also help to relax your pet – for the best results these need to be set up as far in advance of Bonfire night as possible.

  1. Keep them safe

“Make sure dogs have been to the toilet and cats are indoors well before dark – you can offer their dinner a bit earlier so they know what time to come home. Remember, cats will need litter trays, so they can stay safely indoors. Frightened pets can go into fight or flight mode and may try to escape when they hear loud bangs, so make sure windows, doors, cat flaps, and doggy doors are secure so that your pet stays safely inside. Check for any small holes or gaps in fence panels that your pet may be able to squeeze through in a panic if the worst happens and they escape from the house, and make sure your microchip details are up to date!

  1. Set up a retreat

“Creating a space where your pet feels safe and secure will give them somewhere to go if they feel anxious. Choose a quiet room where they feel comfortable. Create a ‘den’ they can retreat into that has thick blankets, bedding, and pillows which can help to muffle the sound of loud bangs – cats may prefer these up on high shelves. Their favourite toys may also help take their mind off the noise.

  1. Plan ahead

“Writing the dates and times of any local displays in your calendar or setting a reminder on your phone means you can plan to be home to provide reassurance. Knowing what’s on in advance also allow you to ensure your pet is safely indoors before fireworks begin, and gives you plenty of time to prepare their safe space.”

For more advice on how to prepare for Bonfire Night with your pets, please visit

https://www.pdsa.org.uk/fireworksready

PDSA is the UK’s largest vet charity. We’re on a mission to improve pet wellbeing through prevention, education and treatment.

Support from players of People’s Postcode Lottery helps us reach even more pet owners with vital advice and information. 

www.pdsa.org.uk

Tenant Protection Act becomes law

Rents frozen and most evictions prevented

Emergency legislation giving tenants increased protection from rent increases and evictions during the cost of living crisis has become law after receiving Royal Assent.

The Cost of Living (Tenant Protection) Act gives Ministers temporary power to cap rent increases for private and social tenants, as well as for student accommodation.

This applies to in-tenancy rent increases, with the cap set at 0% from 6 September 2022 until at least 31 March 2023, effectively freezing rents for most tenants during this period.

Enforcement of eviction actions resulting from the cost crisis are prevented over the same period except in a number of specified circumstances, and damages for unlawful evictions have been increased to a maximum of 36 months’ worth of rent.

Tenants’ Rights Minister Patrick Harvie said: “Many people who rent their homes are facing real difficulties as a result of the cost of living crisis. While bills are rising for all of us, many tenants are more exposed as they are more likely to be on low incomes or living in poverty than other people.

“These measures aim to give tenants greater confidence about their housing costs and the security of a stable home.

“Some landlords may be feeling the effects of this crisis too. So while the primary purpose is to protect tenants, the emergency measures also include safeguards for those landlords who may be impacted. 

“For anyone struggling with their rent, I would urge you to contact your landlord, an advice organisation or a tenants’ union to get help as early as possible.”

Edinburgh Lettings Agent Clan Gordon has been looking at what this means for the landlords and tenants that they represent.

Clan Gordon Managing Director, Jonathan Gordon, was part of the Scottish Government’s working Group which consulted on and helped them develop the Private Residential Tenancy (PRT) regime in 2017 which transformed the sector, introducing far greater protection for tenants and simpler procedures for landlords.

He said: “It is reassuring to hear Ministers say the new Cost of Living (Tenant Protection) Bill balances the protections that tenants need, with safeguards for those landlords who may also be impacted by the financial crisis.

“Under the new law, rents for existing private and social housing tenants cannot be increased until at least the end of March 2023 and can be extended for up to a further 12 months in two six-month blocks.” 

So, what does this mean for landlords? Although the rent cap can continue at the current 0% rate or can be varied at ministers’ discretion, there is no cap or limit on increasing the rent when advertising for new tenants.

Jonathan continued, “Despite the media attention when this was announced this is not a ban on landlords ending tenancies.  Landlords can still serve notice as normal if they wish to end a tenancy.

“Most tenants leave during the notice period when they find alternative accommodation so this restriction will have little effect here. If the tenant doesn’t leave during the notice period, the landlord can apply to the tribunal for an eviction order as normal.

“However, the legislation delays a landlord from enforcing an eviction order issued by the tribunal in some circumstances for up to six months.

“Tenants can still be evicted for anti-social behaviour, lender reposition,  abandonment, substantial rent arrears or if the landlords intend to sell or move back in to the property to alleviate financial hardship.

“We are also very pleased to see that as well as considering the tenants in this legislation, there are new safeguards for private landlords who find themselves impacted by the cost-of-living crisis.

“In certain circumstances, Landlords will be able to apply to Rent Service Scotland to increase the rent on a property to cover up to 50% of a limited number of specific costs, including increased mortgage interest payments and increases in landlords insurance or service charges. 

“Interestingly the rent cap also applies to university halls of residence and other student accommodation where energy costs may be included in rent payments.

“There has been widespread concerns about increases to fuel prices, but the legislation prevents landlords passing on gas and electricity cost rises, in increased rents within the next six months unless the landlord can prove excessively high use of any utilities. 

“Students are also covered by the same eviction laws and can only be evicted in cases of anti-social or criminal behaviour. 

“Our approach has always been to encourage landlords to help us support any tenant who faces any difficulties including financial ones and in conjunction with  our landlords we worked to support a lot of tenants financially and otherwise during the Covid pandemic and lockdowns.

“This is going to be a difficult road ahead and we are pleased that the government has put some measures in place to support and protect landlords and tenants. 

The government  advice  website www.costofliving.campaign.gov.scot offers helpful tips, advice and guidance and our team will be very happy to offer advice about the new legislation to those affected by the current cost of living crisis.”

To schedule a call with a Clan Gordon  advisor, visit www.clangordon.co.uk

The Cost of Living (Tenant Protection) (Scotland) Act was approved by the Scottish Parliament on 6 October. It delivers a Programme for Government commitment.

Further information about the Act is available on the Scottish Government website.

Ministers have the power to vary the rent cap while it is in force, and the measures could be extended over two further six-month periods.

Healthy Tip: Cholesterol – Don’t Let it Scare you

Heart Research UK Healthy Heart Tip, written by the Health Promotion and Education Team at Heart Research UK

Healthy Heart Tip: Cholesterol – Don’t Let it Scare you

Cholesterol is a fatty substance found in our blood. There are two main types, LDL, sometimes termed ‘bad cholesterol’, and HDL, sometimes termed ‘good cholesterol’. 

We need some of both types to be healthy, but an incorrect balance can be harmful. Being told we have high cholesterol can be scary and leave us worried.

This Halloween we encourage you to become informed and take positive action to restore a healthy cholesterol balance, and to reduce the fear that goes hand in hand with a diagnosis:

Increase fibre intake

Fibre is a type of carbohydrate that comes from plants, and research tells us that those people who have more fibre in their diet have lower cholesterol.

Aim to eat fibre from a variety of different sources such as fruits, vegetables, wholegrain, nuts, seeds and pulses (lentils and beans).

Pumpkins are a great source of fibre, when you are carving your pumpkins this week why not use the flesh to make a fibre-rich pumpkin soup.

Exercise more

We should be aiming for at least 150 minutes of exercise per week.

Aerobic exercise such as running or cycling can help increase the levels of ‘good cholesterol’ in our blood.

Aiming for 30 minutes moderate physical activity, five times per week will help restore a healthy cholesterol balance, among many other health benefits.

Limit alcohol consumption

Alcohol can raise the levels of cholesterol in our blood. Cutting back on how much we consume can improve the health of our liver, meaning we can better remove bad cholesterol from our blood.

The good news is there are many alcohol-free alternatives available in the supermarkets and in pubs nowadays.

It is recommended that we limit our alcohol consumption to 14 units per week (about six pints of average strength beer or about five 250ml glasses of wine).

For more tips on how to stay healthy, sign up for our weekly healthy tips at www.heartresearch.org.uk/healthy-tips.

To help keep your heart healthy, why not try out some of our Healthy Heart recipes from our website: https://heartresearch.org.uk/heart-research-uk-recipes-2/.

Or have a look through our Healthy Heart cookbook filled with recipes from top chefs, celebrities and food bloggers:https://heartresearch.org.uk/heart-research-uk-cookbook/.

Cost of car insurance in Scotland increases by 18% in the last 12 months

Drivers currently paying £463 on average following a recent spike

  • Drivers in central Scotland have seen the biggest increase to their car insurance premium over the past 12 months. The current cost stands at £505, on average, following a £73 (17%) rise.
  • Drivers in the Scottish borders are currently paying the cheapest rates for their car insurance. Premiums are £391, on average, despite a 20% price increase in the past 12 months.
  • Although FCA changes to regulation have made pricing fairer to customers at renewal, further research highlights that this does not necessarily protect customers from price increases. More than 2 in 5 (41%) UK drivers who received a renewal quote in the past 3 months said that they saw an increase of £38, on average(1).
  • However, those who shopped around using a price comparison website were able to save £50 on their car insurance, on average.
  • With the current cost-of-living crisis affecting millions across the UK, Confused.com recently launched its money saving hub to support consumers and give advice on how to manage recent price hikes.
  • In light of the recent price increases, Louise O’Shea, CEO at Confused.com emphasises the importance of shopping around for the best deals and why drivers shouldn’t settle for auto-renewal.

That means motorists are seeing a £69 increase compared to this time last year. That’s according to the latest car insurance price index (Q3 2022) from Confused.com, powered by WTW. Based on 6 million quotes a quarter, it’s the most comprehensive car insurance price index in the UK. 

However, some drivers in Scotland could be paying more than the national average, depending on the region in which they live. The latest data shows that drivers in central Scotland are currently paying the most for car insurance.

Their current premium is £505, following a £73 (17%) year-on-year increase. Despite facing an annual increase of £64 (20%), drivers living in the Scottish Borders pay the cheapest rates for their car insurance, with an average premium of £391. 

Meanwhile, drivers in East and North East Scotland are paying £431, on average, for their car insurance. That’s as drivers faced a £69 (19%) increase in the past 12 months. And as for drivers in the Scottish Highlands and Islands, the current car insurance premium is £420, on average, following an increase of £61 (17%).

RegionAverage PremiumYOY £YOY %
Scottish Borders£391£6420%
Central Scotland£505£7317%
East & North East Scotland£431£6919%
Scottish Highlands & Islands£420£6117%

It’s a similar picture across the rest of the UK, where prices continue to rise. In fact, premiums have risen by £72 (14%) in the past 12 months alone.

The current UK premium stands at £586, on average, and is the highest annual increase in the past 5 years. 

Q3 2022 - PI graph for publishers

With the latest data revealing that premiums are on the rise, some drivers might think that they’re better off sticking with the same insurer when it comes to renewal. But further research conducted by Confused.com finds that some insurers don’t seem to be doing enough to protect their existing customers.

In a survey of 2,000 UK drivers, data reveals that more than 2 in 5 (41%) drivers who considered sticking with their current insurer received renewal quotes £38 more expensive than the previous year, on average(1). That’s despite the fact that more than a quarter (28%) of drivers who have renewed so far this year thought that their insurance quote would be cheaper this time around. 

However, some motorists are taking action after receiving a more expensive renewal and are really seeing the benefits of switching. More than a quarter (27%) of drivers who chose to shop around using a price comparison site were able to save £50, on average. In fact, the Financial Conduct Authority (FCA) is actively advising consumers to shop around when it comes to buying insurance for this very reason. 

Earlier this year, the FCA made important changes to stop ‘price walking’ and ensure all customers were treated fairly, but it seems some motorists remain complacent as a result. One in 5 (20%) drivers told Confused.com that they were less inclined to shop around because of these changes.

However, these new regulations don’t mean that better deals still can’t be found elsewhere and, as research shows, consumers are saving money by switching.

While the cost of car insurance premiums is on the up, there’s no ignoring the fact that the general cost of living is increasing, too. That’s why it’s more important than ever to shop around for the best deals. And as we head into the colder months, it’s clear that money will be tight for many.

With difficult months ahead, Confused.com has launched a money saving hub to help people understand where they can save money on bills to balance out price hikes. The hub focuses on a variety of insurance options, but also includes advice on how to be more fuel efficient and keep car costs down.

Its aim is to provide useful and digestible information that will help customers save money, without necessarily having to compromise and give up essentials. 

Louise O’Shea, CEO at Confused.com, comments: “With costs currently rising all around us, I’m sure it comes as no surprise that the cost of car insurance is increasing, too.

“However, the pace at which it’s rising will be a real worry for many. The latest figures reveal a true example of how volatile the market currently is, which is why I need to stress just how important it is to shop around when it comes to renewing any insurance policy. 

“As we head into winter, money is going to be tight. With concerns over the rising costs of energy, fuel and even food, millions of us will be looking for new ways to number-crunch and save money where we can. In recent months, the FCA have really amplified the importance of shopping around to help find some of the best deals out there during this time. 

“Research shows that customer loyalty doesn’t always pay off, which is why it’s always encouraged to shop around and see what else is out there. If you switch insurers using Confused.com, there’s some fantastic rewards available that could help during a difficult time.

“A £20 voucher could pay towards a food shop in Lidl or even go towards an MOT or service in Halfords. And we even guarantee to beat your renewal(5). If we can’t, we’ll give you £20, plus the difference. Either way, you’re better off just by using a price comparison service. 

“I cannot emphasise enough just how important it is to take time, do your research and compare insurance prices. You might be missing out on fantastic deals and it will really help in the long run.”