SunLife Cost of Dying annual report finds rises in professional fees and send-off costs has pushed the overall cost of dying to £9,200
The cost of a basic funeral remains historically high, but has fallen by 0.6% to £3,953 in Scotland.
The recent news that the overall cost of dying has increased to well over £9,000 will be making a lot of people worry how they will pay, should a loved one pass away without any financial plans in place.
However, the Sunlife Cost of Dying Report 2023 https://www.sunlife.co.uk/funeral-costs/ has found the cost of a basic funeral has dropped. This appears to be partly the result of the growing acceptability of simpler funerals and direct cremations.
Despite this, the funeral poverty charity Caledonia Funeral Aid is still advising bereaved people to contact them for support, before resorting to drastic measures such as using loan sharks, fundraising, or selling possessions.
Co-founder and chair John Halliday explains why: “Despite the glimmer of good news here, our relentless fight to try to push down funeral prices will need to continue. It isharder than ever for people facing a cost-of-living crisis to find even the money for a basic funeral.
“We are particularly concerned about the growing problem of funeral directors requiring deposits – we have heard time and time again people turned away from every funeral directors because they don’t have the hundreds or thousands of pounds of cash required for the initial deposit.
“Others take on a huge debt they can’t afford because they feel like there is no alternative. Indeed, the report has found that there has been a rise in the number of people taking out a debt to pay for the funeral.
“At Caledonia Funeral Aid, we provide free advice on how to organise and pay for a funeral, what financial help is available and how to cope with a recent bereavement.
“We offer simple,dignified and cremations through our not-for-profit funeral directors Caledonia Cremation, which we set up in 2018 to support those facing funeral poverty.”
Donna turned to Caledonia Funeral Aid after her friend Adam died earlier this year:
“I approached several funeral directors who turned me awaywhen they heard money was an issue. I was so worried as I wanted to honour Adam’s wishes and give him a decent send-off.
Luckily, I called Caledonia Funeral Aid, and they advised me of more affordable options and the financial assistance that was available. As a result, I managed to organise a dignified and caring funeral for my dear friend. I don’t know what I would have done if I hadn’t had that help.”
With demand for their services anticipated to continue in the current financial climate, John has issued an urgent callout to the public for help:
“We are charity-owned, and only have finite resources, sowe are looking for kind-hearted Scots to join our team as volunteer funeral and bereavement guides.
“It may sound daunting, but the work we do is both important and rewarding. Dealing with a bereavement can be an overwhelming and distressing experience, especially when finances are an issue, so the clients we support really do appreciate having us to turn to, during these tough times.
“So, if you are bereaved or looking to make a real difference to people’s lives, please do call our advice line now 03000 113301. Our team are compassionate, friendly and will be there for you for as long as it takes.”
The lingering stress of the cost-of-living crisis weighs heavily on the shoulders of many, and with temperatures dropping, food prices skyrocketing, and Christmas credit card bills arriving, it is bound to have an added impact on the stresses of everyday life.
Therefore, people up and down the country are looking for tips and tricks to ease and eliminate as much stress as possible.
CBD experts Simply CBD have revealed some tips that will help encourage stress relaxation and a stress-free routine that you can implement into your weekly routine.
New analysis reveals that searches in the UK for ‘reduce stress’ increased by 216% over the past month, proving just how desperate we are to find solutions for feelings of overwhelming stress.
In fact, searches for ‘is stress normal’ has seen a huge 635% increase over the past month in the UK, showing just how concerned people are about stress levels and how they can impact their health.
Self-care
Being mindful of your own needs is essential and focusing on self-care will help reduce stress and anxiety tremendously. Some forms of self-care include maintaining a balanced diet and sustaining a healthy sleep schedule but indulging in pampering is often overlooked.
Pampering doesn’t have to break the bank. Forget spa days or trips away; you can easily indulge in pampering at home:
Take a hot bath or shower.
Pop on a face mask and read your favourite book – time away from blue light from your phone also helps relax the mind.
Light some candles and listen to a meditation podcast.
Treat yourself to your favourite home-cooked meal (or take away if you prefer!).
Exercise
Although the thought of exercise can sometimes be exhausting, with long workdays feeling tiring enough, finding the time to get a good workout in can often be the release from a lot of pent-up stress.
Sometimes getting past the mental barrier of doing physical activity is the only thing holding you back from releasing tension and endorphins, aka the body’s natural painkillers.
The exercise doesn’t necessarily need to be intense, and there are many options when it comes to fitting in an hour of increased heart rate:
Go on a walk – Whether with friends, family or just by yourself, getting out for some fresh air and moving your body will work wonders.
Take part in a local exercise class – there are many different options, such as low intensity Yoga and Pilates, which are great options if you don’t want to do an intense workout.
Take part in an online exercise class! – if physically leaving the house to exercise fills you with dread, you will be pleased to know there are thousands of online classes and pre-recorded free videos of workouts that you can do in the comfort of your own home.
Listen to music
Listening to music gives the brain a total workout, and we all know how vital brain health is. By listening to music, you can:
Reduce blood pressure.
Improve memory.
Reduce anxiety.
Improve sleep quality.
Not only can it reduce stress, but it can elevate moods and clear the way for emotional expression; this is why it is great that there are so many genres of music to choose from; just pick whatever gets you out of a funk and makes you feel good!
Experiment with hobbies
By experimenting with hobbies that you might have put on the back burner, you are allowing your body to remind itself of something you enjoy and take pride in. Hobbies are a great distraction and can be the perfect way to relax and forget about the stresses of everyday life.
If you’re struggling to think of a hobby, it’s never too late to find one! By making a list of all the hobbies you would love to try, you are already one step closer to expanding your knowledge, widening your range of skills, keeping your brain working and mind off all things stressful.
Turn the phone off and stay off social media
In a world dominated by technology, we have everything at the push of a button, making it hard to imagine life without it, but keeping so up-to-date and caught up on social media can sometimes be exhausting and lead to unhealthy comparisons.
By turning off your phone or limiting the time spent on social media, you can shut off the constant updates and remain solely focused on other things that might bring you joy. Instead of getting distracted by technology, you could be reading your favourite books, spending time with family and friends, giving yourself a well-deserved pamper or just taking a nap, whatever relieves stress from your day!
Lloyds Bank has appointed Jamie Kemp to the role of Invoice Finance Area Director for Scotland and the North East, as it strengthens its support for businesses across the region.
Jamie has over 11 years of experience in the finance sector, with experiencing spanning across retail, private and commercial banking. Over the last 4 years, Jamie has specialised in Invoice Finance and has been recognised by UK Finance as their Top Foundation and Certificate student.
In his latest role, Jamie held the title of Business Planning Manager for the Invoice & Asset Finance Sales division where he was responsible for overseeing and supporting national delivery and performance.
Jamie Kemp commented:“I am delighted to lead a team of highly experienced Invoice Finance professionals to deliver bespoke solutions for small to medium sized enterprises. The current climate is making the cost of operating more and more challenging for businesses.
“I’m looking forward to supporting those businesses based in the North East and Scotland through these challenging times as much as possible in my new role alongside my team.”
Ben Stephenson, the Head of Specialist Client Solutions at Lloyds Bank, added:“We are pleased to welcome Jamie into the role of Invoice Finance Area Director. He brings with him a wealth of banking and finance experience, which will stand him in good stead to excel in this role and provide exceptional service for our clients.”
While starting his new role, Jamie is also hiring for an Invoice Finance Field Sales position (Associate Director level) based in and around Glasgow. The role has been designed to attract enthusiastic and talented individuals which may be new to the Invoice Finance industry.
It offers a substantial period of training, supported by a comprehensive learning plan, which includes undertaking the Invoice Finance Foundation Course, UK Finance’s entry-level qualification. This should ensure that the successful candidate has the best possible start to a career in Invoice Finance.
Households are being offered 23 money-saving hacks to use in 2023 as experts reveal the best ways to save little and often throughout the year
Consumer experts at NetVoucherCodes.co.uk have identified useful ways to save cash by completing monthly saving challenges as well as advice on how to knock hundreds off holiday expenses.
The cost-of-living crisis spiralled over the last year and the rising costs of food and expenses have left families worried about how they can manage their finances in the new year.
Brits can save little and often by taking early preventive steps to save their cash, from sticking to a digital budget planner to track how much they’re spending, to investing in a smart meter so they can monitor how much gas and electricity is being used in the home.
Lucinda Fox, online consumer expert at NetVoucherCodes.co.uk said: “December is one of the most expensive months of the year, which is why many families are left tight for cash when it comes to January.
“We’ve faced one of the toughest years when it comes to saving money, as every household expense has been rising from petrol to food and of course our energy bills.
“As we head into 2023, we’re offering households simple tips on how to stick to measurable budgets so they don’t have to worry about overspending or be left strapped for cash towards the end of the year.
“We’ve found various ways to save over the next year such as following budget planners and booking holidays a year in advance.”
Start the year off by investing in a digital budget planner so you can visually track how much you’re spending and in which areas. This way you can monitor which outgoings can be cut down to help save hundreds off your monthly budget.
Get a smart meter
Having the physical amount in front of you can let you see clearly how much is being spent on gas and electricity. It means you can knock £20 off the electric bill if devices that aren’t being used are still turned on.
Start a side hustle
A savvy way to earn extra cash in the new year is to earn more and spend less by starting a side hustle. This can simply be done from home whether it’s selling clothing on apps or completing free online surveys to earn rewards.
Enter free giveaways
Social media giveaways are also an easy way to grab a freebie. While it’s all down to chance, it’s worth doing as the only effort you’ll likely be putting in is following the company’s social page and tagging a friend in the comments.
Set measurable savings goals
While it’s great to save as much as possible, don’t just throw everything into savings only to realise there’s not enough money left to pay for the bills. Be reasonable with how much you can save and by putting aside a steady amount to start with.
Shop during sale events
January sales are one of the prime sales events over the year, where many retailers knock down their prices after the Christmas rush. If you have family or friends with birthdays coming up, make the most out of the sales to save on the costs.
Book 2024/25 holidays now
When it comes to travel prices, the earlier you book, the better. Many companies offer zero deposit schemes where you pay the holiday off on a cheaper monthly basis rather than all in one go. Have a look at travel voucher codes to save up to 30% on future trips.
Shop around for deals
Have a look at different outlets offering the same type of products, both online and in-person. This also applies to supermarkets during seasonal events where better promotions can be found by shopping around.
Join community groups for free activities
Signing up for online community groups means you have access to wider information about free local activities going on in the area. This will help even further when it comes to half term to prevent overspending on days out.
Sign up for loyalty schemes
Each time you decide to shop at a retailer, have a look if they have an app available or go straight to their website and join their reward schemes. This can result in freebies or discounts on your next visit.
Book free cancellation trips
Booking free cancellation trips can provide extra insurance to get money back on a cancelled trip. This can be extremely helpful if there are ongoing strikes over the course of 2023 that could impact you getting to your destination.
Sign up for email subscriptions
Even if they end up in your junk mail, it’s worth signing up for email subscriptions every time you purchase an item online, as you can be offered exclusive free items or early discounts before they go live to other consumers.
Freeze leftovers from Sunday roasts
Freezing food and meal prepping is always a handy way to save on food costs. With prices set to rise again in the new year, it’s also worth saving the leftovers from a Sunday roast and batch-cooking them into lunches for the rest of the week to save a few quid.
The 50:30:20 split
A popular TikTok trend from 2022 is one to follow through in the new year. When the monthly wage comes through, allocate 50% of it on bills and essentials, 30% on leisure and 20% on savings.
Use a credit card
When buying a large purchase item, pay for it on finance or directly by credit card to build up your credit score. But only do so if you can realistically manage to fit the payment into the monthly budget.
Have spend-free weekends
Dedicate one weekend a month where you’re going to have a spend-free weekend, where you can go for long walks in the park, get crafty in the kitchen with existing cupboard ingredients, or even just settle down and binge-watch a new TV show.
Use fakeaway recipes
A fakeaway is always a delicious budget treat to have on a Saturday night. Fried chicken and homemade pizzas might take a little longer to make but the rewards are just as tasty.
Notepad mystery box
Write down different amounts you’d like to put into your savings on separate pieces of paper and put them into a bowl. Every Sunday, draw out a different amount to determine how much money you will be putting into your savings that week. This is a great way to save little and often, just remember to keep it realistic!
Check for tax rebates
Often many find themselves accidentally paying too much tax, which can be reclaimed on the Government website. Even if it’s £30 – it’s still worth a look.
Take part in free subscription trials
Brands offer freebies by signing up for subscription deals, whether it’s entertainment packages or beauty products. These can often be cancelled shortly after, so make sure to do so to prevent being charged.
Stick to non-branded foods
These can cost nearly 50% less compared to other products even if there’s a lack of difference in price and quality. Veggies and meats often taste the same so it’s worth investing in the non-branded versions to cut down on weekly meals.
Put locks on banking pots
Virtual banks often allow for savings pots to be locked and only accessible on certain dates. Having the visual lock on display can help prevent the temptation of taking cash out on a frequent basis.
Stick to the plan
Don’t just stick to the budget for January and forget about it for the rest of the year, make it a personal goal that you’ll stick to the saving targets so that the rewards will be greater by the end of next year.
An increasing number of respiratory viruses in Lothian is heaping extra pressure on the hospital system.
Cases of Flu are surging and there are still high levels of COVID andRespiratory Syncytial Virus (RSV), as well as norovirus, causing hospitals and GPs in Lothian to be stretched beyond capacity.
Calum Campbell, Chief Executive, NHS Lothian, said the sector as a whole was already experiencing significant pressures because of an increase in emergency patients and large numbers of delayed discharge patients, before this latest increase in infection rates.
He added: “Our teams across the health and social care system are facing sustained and relentless challenge. The system is under horrendous pressure and the challenges our teams are facing are uncharted.
“We are experiencing more cases of infection – flu, COVID and RSV, as well as norovirus – than ever before.
“In order to maintain our patient flow through the hospital and retain beds for the most urgent of cases, we need to support people to go home quicker after their treatment and reduce any preventable admissions. That is where the public can help.
“Please take sensible precautions to prevent infection, especially if you have underlying health conditions or plan to be with those that do””
The Royal Infirmary of Edinburgh, St John’s Hospital, the Western General Hospital and the Royal Hospital for Children and Young People are all at full capacity.
Dona Milne, Director of Public Health and Health Policy, NHS Lothian, urged people to help reduce the spread of infections to protect themselves and the most vulnerable in their communities.
She said: “Although they can be mild infections for many, RSV and Flu can be extremely serious for some people causing them to require urgent hospital treatment. We have now reached extraordinary levels of flu in Scotland that we haven’t seen for many years.”
“We are asking anyone who has cold or flu like symptoms to help limit the spread of infection and reduce the chances of passing it to someone who will become very unwell.
“Stay at home if you feel unwell. And if you do have to go out, please wear a mask. People should also remember to wash their hands, and cough or sneeze into a tissue and bin it.”
People in Lothian are also being reminded to stock up their medicine cabinets with paracetamol and cold remedies so they can treat common illnesses at home.
Anyone who has cold type symptoms, such as a runny nose or mild cough, or who has a sore throat without a temperature and can eat and drink, is likely to have a viral illness and does not need to contact their GP. They should drink plenty of fluids and rest and get additional help and advice from NHS Inform or their local pharmacy.
The most up to date information on Strep A can be found at:
The City of Edinburgh Council and national homelessness charity Bethany Christian Trust are operating a Welcome Centre this winter.
The Centre is providing accommodation of last resort, tailored support and positive move on options for people who would otherwise be sleeping on the streets. Since opening in October, it has already supported and accommodated over 500 people and will continue to operate over Christmas until May 2023.
Founded by Bethany Christian Trust in partnership with the Council, and supported by the Scottish Government, the Welcome Centre was pioneered in 2020 in an emergency response to the outbreak of Covid-19, providing en-suite rooms as a deliberate move away from congregate shelter provision, and has since helped to establish a new model of tailored support for people rough sleeping.
The Welcome Centre takes an innovative and person-centred approach, providing 24 hour tailored support for individuals all in one place. Guests receive their own en-suite room and 3 meals a day, including a hot evening meal prepared by volunteers.
They are also able to work with dedicated staff and visiting professional services with support to access longer term accommodation as well as on site assistance with mental health, addiction, wellbeing, health needs and accessing benefits.
Councillor Jane Meagher, the Council’s Convener of Housing, Homelessness and Fair Work, said:“When temperatures drop to this extent it’s more important than ever that we do all that we can to support anyone who may be at risk.
“With Bethany we’re operating a Welcome Centre this winter to provide an additional 65 beds for people with wrap around support, and demand for this service this winter has already been high.
“We’re also offering street-based outreach seven days a week through our partners to anyone we see rough sleeping and this involves checking in with people three times a night, specialist pharmacy and mental health services available on street and supporting people directly into Rapid Access Accommodation.
“The rise in homelessness we’re witnessing in Edinburgh is deeply concerning and the Council has a campaign to spread awareness of the support which exists for people who are struggling financially. We need to prevent more people from becoming homeless as far as we possibly can.”
Commenting on the increase in demand for the service, Alasdair Bennett, Chief Executive at Bethany Christian Trust said: “The Welcome Centre provides emergency en-suite accommodation of last resort for anyone who would otherwise be sleeping rough in Edinburgh.
“We have accomodated over 500 different people with the majority staying less than seven nights as they are assisted to rapidly move on to more appropriate accommodation. The centre is a place of warm welcome, hospitality and intensive support, tailored to the individual and involving multiple health, housing and charitable partners to respond to individual needs.
“We are seeing an increase in the number of people attending and being referred for this crisis intervention, even prior to the colder weather coming in, and we are working with all partners to find alternative options when there are no available bed spaces at the Centre. With a focus on rapidly re-accommodating people, new bedrooms become available at a rate of about 50 each week, or 7 a day, in order to support individuals in crisis that night.
“Even when we are full we are able to provide food, warm clothing and access to support here at the Welcome Centre, so we encourage anyone who is at risk of rough sleeping that night to come and we will do all that we can to support them, including linking them up with partner agencies and local authority housing options.”
Relying on the financial support of the general public, local churches, trusts, businesses, the City of Edinburgh Council and the Scottish Government, the Welcome Centre shows what can be possible when the people of Edinburgh come together to create change.
With a large professional staff team, over 1,000 Bethany volunteers and more than 20 visiting partner services, the Welcome Centre saw remarkable success in 2021 – 2022 in helping people recover from the crisis of homelessness and move on to a more stable situation.
The service accommodated and supported over 860 individuals who had fallen into homelessness because of a wide range of circumstances as well as those rough sleeping, with 97% of known outcomes positive.
Bethany’s Buy a Bed campaign, which is vital in enabling the service, is also in place again this year and gift vouchers can be purchased in Bethany Shops and online:
ELECTRICAL BODY ISSUES ‘THE 12 SAFETY TIPS OF CHRISTMAS’
As we move through the festive period and the echoes of Christmas cheer begin to spread, it’s that time when homeowners dust off their Christmas decorations and set themselves to untangling dazzling arrays of fairy lights. Yet many householders fail to recognise the lurking dangers that can stem from seasonal décor.
Whilst the 2022 Yuletide may be less elaborate than recent years, there is sound advice at hand for those still decking out their homes to brighten the December nights.
NICEIC, the UK’s leading body for certified electrical businesses, provides here its 12 tips for keeping safe this Christmas.
After months of being stored away, Christmas lights can easily get damaged. Check your Christmas lights thoroughly to ensure they are not broken or damaged before use
Use only replacement bulbs (lamps) of the same type and rating as those originally supplied
Always switch lights off before you go to bed or go out
Do not be tempted to keep them on too long as they can overheat
Keep lights away from flammable decorations and materials that can burn easily
Avoid using extension leads or adapters wherever possible
Never attempt to repair lights by using tape
Avoid tampering with lights to string sets together
Check the wiring of the plug and make sure no bare wires are visible
Only use outdoor lights that have been specifically designed to be used outdoors. If you are unsure, check the manufacturers’ instructions
All outside sockets must be RCD protected for safety. An RCD (residual current device) works by switching off the flow of electricity when a cable or flex is damaged
We would advise that any fixed or permanent outside lighting should be installed by a certified electrical installer to ensure it complies with the appropriate safety standards
Paul Collins, Head of Technical Services for NICEIC, comments: “Faced with soaring energy prices, 54% of Brits unsurprisingly have admitted to playing down their illuminations this year and some local authorities have opted for dimming municipal lights, or culling them entirely.
“But as the countdown to Christmas begins, we will still no doubt enter that prime time for electrical catastrophes when wiring has degraded while in storage, socket outlets get overloaded, or homeowners riskily explore creative ways to illuminate their outdoor areas.
“Our message is simple: deck the halls without the folly. Carry out our basic safety checks and be sensible when using electricity around the home; but always call in the professionals if you need any new socket-outlets installed or rewiring carried out.”
With less than two weeks to go until Christmas day, there is a lot to get ready – from buying last minute gifts and wrapping presents, to picking up a turkey.
If you will be spending time over Christmas with family or friends who are deaf or have hearing loss, it’s important to consider how to make sure the seasonal celebrations are enjoyable for them too.
RNID, the national charity for deaf people and people with hearing loss, asked their supporters for their top tips of how family and friends can make communication easier at Christmas.
They are:
1. Ask how you can help
Everyone is different, so ask the person who is deaf or has hearing loss what you can do to make communication easier. For example, they might need to see your face when you’re talking, or they might need the subtitles on if you’re watching a film together.
2. Make lipreading easier
Make sure the room you are in for your Christmas get together is well lit – candles and fairy lights alone won’t be much use to people who lipread. Don’t cover your mouth when you’re speaking, and face the person who is lipreading. Try not to speak with your mouth full as this will make it harder for them to lipread you.
3. Take it in turns to speak
Try not to speak over each other – it’s impossible to lipread more than one person at a time and your family member will quickly get lost in the conversation. Speak clearly and not too slowly, and don’t shout as this can be uncomfortable for hearing aid users. If someone doesn’t understand what you said, try repeating or explaining it a different way.
4. Keep background noise low
If you’re playing festive music or if there is background noise, keep the volume low. This will make it much easier for people to hear, and it will help anyone who lipreads to focus on what you are saying.
5. Help people follow the conversation
If the topic of conversation suddenly changes, make sure everyone is aware – maybe ask them a question to check.
And crucially, if someone who is deaf or has hearing loss asks you to repeat something, never say “it doesn’t matter”. If you do that, you’re taking away their opportunity to be part of the conversation, and you might make them feel like they don’t matter.
Harriet Oppenheimer, Deputy Chief Executive at RNID, said:“For lots of us, Christmas is a time of big family get togethers, noisy work Christmas dos and catching up with old friends. But we also know that Christmas can be an isolating time if you are deaf or have hearing loss or tinnitus, and our supporters have told us that they can feel left out of the festive fun going on around them.
“Being deaf aware at Christmas doesn’t have to mean making big changes; there are small things you can do which will make the day a lot more enjoyable for your deaf family member or friend and allow them to be part of the celebrations.”
The 12 Signs of Christmas
RNID have made a video to help everyone learn some festive phrases in British Sign Language (BSL).
From learning how to sign ‘Happy Christmas’ to asking someone to ‘meet me under the mistletoe’ or ‘pass the chocolates’, the charity’s 12 signs of Christmas will help to get everyone in the family signing and having fun together, whilst taking an important step to be more deaf aware.
For more information on how you can be deaf aware at Christmas, visit RNID’s website.
