For Debt Awareness Week, we’re highlighting how debt affects mental health – and the support that is available to help.
Throughout the cost-of-living-crisis many people have had to turn to lenders and may be struggling to keep up with their repayments. The mental health toll can be really challenging, with increased feelings of anxiety keeping you up at night or making it harder to enjoy your relationships. It can make existing mental health problems like depression worse and all together, feel overwhelming.
The mental health effects of debt can make navigating it an even more isolating and lonely experience. It’s important to remember that you are not alone, and that there is support available to you.
Want to know more? Join us for our Reddit ‘Ask Me Anything’ 26-28 March r/ukpersonalfinance. We’ll be joined by StepChange to answer all your questions on mental health and debt.
GRANTON INFORMATION CENTRE: FEEDBACK SURVEY
There is only one week remaining to compete our 24/25 client feedback survey. If you have used our service since April 2024, and haven’t already done so, please take a couple of minutes to complete our questionnaire:
If you are anxious about debt or struggling to keep on top of bills, you are definitely not alone! Rising costs in energy, groceries and fuel has resulted in lots of people struggling to cope.
Granton Information Centre is here to help you with free, confidential, and impartial advice. If you would like to make an appointment with one of our advisers, please get in touch on 0131 551 2459 or 0131 552 0458 or email appointments@gic.org.uk
EDINBURGH INTEGRATION JOINT BOARD PLANS TO END £4.5 million GRANTS TO 63 COMUNITY PROJECTS
SCOTTISH COUNCIL of VOLUNTARY ORGANIATIONS (SCVO)
SCVO response to proposal by Edinburgh Integrated Joint Board to remove grant-funding from voluntary organisations:
Letter to Councillor Cammy Day, Leader of City of Edinburgh Council,
Professor John Connaghan OBE, Chair of NHS Lothian
cc Pat Togher, Chief Officer EIJB
Proposal by Edinburgh Integrated Joint Board to remove grant-funding from voluntary organisations
I am writing to add SCVO’s voice to the protests regarding the IJB’s proposal to withdraw funding in-year from charities and community groups. 37 of our members are impacted by this decision.
The intention outlined in the board paper to take a more strategic and collaborative approach in the future has been totally undermined by the impact of reneging on this year’s grant funding.
Trust is a fragile thing, and it will take a long time to rebuild any sense that the council and the health board have an understanding of, or respect for, the voluntary organisations that do so much to support our communities.
When you look to build your strategic partnership in 2025, many of them simply won’t be there because they will have gone out of business.
Far from saving money, this will generate significant costs to public services as people fall through the cracks, and the additional millions of pounds voluntary organisations bring in from trusts and foundations or the private sector through match funding and other fundraising activities will disappear. A truly strategic approach would be looking to maximise that income-generation, not cut it off.
It appears that over 100 people who were already in a precarious enough position will lose their jobs. And the discretionary effort of hundreds more volunteers will be lost.
It is evident that when money is tight, which I recognise it is, the council and the health board have retrenched and focused on short-term savings rather than the public good.
The table in the board paper which illustrates where the money could be “better spent” says it all – to the IJB, acute services matter more than prevention or early intervention. As well as being short-sighted ethically and financially, it flies in the face of all the evidence around what communities need and the rhetoric around person-centred services and prevention.
I would urge you to intervene and stop the IJB making a decision everyone involved will regret.
Yours sincerely,
Anna Fowlie Chief Executive, SCVO
BIG HEARTS: “The value the charity sector brings to our local communities should never be in doubt.”
VOLUNTARY HEALTH SCOTLAND:
VHS Chief Executive @MistryTej has commented on the recent cuts being proposed by Edinburgh IJB.
What will it take for recognition of the crucial work the third sector are doing to reduce health inequalities?
Along with the rest of the sector we are extremely concerned by the proposed early cessation of EIJB grant funding to 64 voluntary sector organisations. As well as the loss of important services and the associated job losses, this will impact volunteering.
Volunteers are at the heart of the affected organisations, contributing 206,000 hours of support to people in the community worth over £2m. These volunteering opportunities are not only a lifeline to people they help support.
They also enable local people to be active in their communities, build confidence, develop skills, reduce isolation – all of which contribute to better health outcomes for volunteers themselves.
The impact of the loss of these volunteering opportunities cannot be understated.
LIVING RENT:
64 charities are at the risk of closure due to £4.5 million worth of proposed cuts. This will have devastating effects for tenants, for workers and for communities across Edinburgh.
Let’s defend our community centres, services & jobs.
Join us to say NO to Labour-led cuts!
SCOTT ARTHUR MP:
I have today (Wednesday) written to the Cheif (sic) Officer of the EIJB opposing the proposed cuts to the third sector in my constituency – I expressed my concerns in the strongest possible terms.
I support @cllrcammyday fully in his call for fair funding for Edinburgh.
Edinburgh Integration Joint Board meets TOMORROW (Friday 1 December) in the Dean of Guilds Room at The City Chambers at 10am.
The following organisations will make their case against the cuts at the meeting:
SUPPORT and ADVICE from GRANTON INFORMATION CENTRE
THE Scottish Government has confirmed it will no longer provide Winter Fuel Payments to all pensioners in Scotland. Replicating the recent decision announced by the UK Government, Winter Fuel Payments will now be means-tested, which means only individuals in receipt of Pension Credit and certain other benefits will receive it.
Because Pension Credit is a ‘gateway benefit’, which opens up access to other support including Winter Fuel Payments, it is now more crucial than ever that individuals claim Pension Credit so that they don’t miss out on additional money they are entitled to.
If you’ve reached State Pension age, you can claim Pension Credit if your weekly income is less than:
£218.15 if you’re single
£332.95 if you’re a couple.
Even if your weekly income is higher than these thresholds, you could still claim Guarantee Credit if you meet one of the following criteria:
*you’re a carer
*you have a severe disability
*you have certain housing costs, such as service charges
*you’re responsible for a child or young person who usually lives with you.
If you have £10,000 or less in savings and investments this will not affect your Pension Credit. If you have more than £10,000, every £500 over £10,000 counts as £1 income a week. For example, if you have £11,000 in savings, this counts as £2 income a week.
MANY, MANY, ELIGIBLE PENSIONERS ARE MISSING OUT ON PENSION CREDIT!
To claim Pension Credit, you can either:
*claim online on GOV.UK (if you already claim State Pension and there aren’t any children or young people included in your claim)
*call the Pension Credit claim line on 0800 99 1234 and they can fill in the application for you over the phone (lines are open Monday to Friday, 8am-6pm).
To discuss your benefit entitlements and to find out what you can claim, get in touch with us at Granton Information Centre.
Our Welfare Rights Advisers are here to help!
Call 0131 551 2459 or 0131 552 0458 or email info@gic.org.uk
As many people return to their jobs following the festive break, those in part-time and full-time work have been reminded that they can qualify for Scottish Government benefits.
People in work can receive many of the payments administered by Social Security Scotland, including those designed to help low-income families.
The Scottish Government also delivers Job Start Payment – a one-off payment to help young people who haven’t been working meet the costs of starting a new job.
In Scotland, around one in three people getting Universal Credit are in work, and Universal Credit is a qualifying benefit for several other payments.
Thousands of working people get Scottish Child Payment and the other benefits which make up Social Security Scotland’s five family payments.
These consist of three Best Start Grants – Pregnancy & Baby Payment, Early Learning Payment and School Age Payment – and Best Start Foods.
People with jobs can also qualify for Adult Disability Payment, with qualification not based on employment or income, and one-off payments including Winter Heating Payment and Funeral Support Payment.
Cabinet Secretary for Social Justice Shirley Anne Somerville said: ““In January there are lots of people starting new jobs or returning to work for the first time in a while and I’d urge them to check what benefits they may be eligible for.
“I’d particularly highlight the support available to young people starting in work via Job Start Payment.
“This one-off payment can make a difference with the costs of getting up and running in a new job and again we want to make sure it reaches as many eligible people as possible.
“We are helping people across Scotland through the cost-of-living crisis by committing £6.1 billion in social security benefits and payments. That’s £1.1 billion more than the Block Grant Adjustment received due to spend on comparable benefits by the UK Government.”
Job Start payment helps with the costs of starting a new job such as paying for travel, work clothes or childcare. Eligible people receive a one-off payment of £294.70 or £471.50 if they are a main carer of any children.
It is available to those between the age of 16 to 24 who are already getting qualifying benefits and have been out of paid work for six months prior to finding a job. Care leavers can apply for a further year (up to the day before their 26th birthday) and only need to be out of work and receiving a qualifying benefit on the day of the job offer, not for the previous 6 months.
Are you missing out on benefit entitlements? Call Granton Information Centre on 0131 551 2459 or 0131 552 0458 to arrange an appointment for a benefits check – email appointments@gic.org.uk
People struggling to manage their household finances can now benefit from increased support in a range of community settings thanks to a new accessible advice fund.
Almost £1 million has been distributed to partnerships between advice agencies and other local services such as schools, charities, hospitals and mental health services.
The fund will build on the success of the Welfare Advice and Health Partnerships initiative that put dedicated advisers into 180 GP practices in some of Scotland’s most deprived and rural areas – helping to reach those most in need.
Granton Information Centre launched the very first pilot in Scotland when they partnered with Muirhouse Medical Centre. Since that first successful partnership the outreach service has been expanded and GIC now delivers advice at GP practices across the city in Crewe Medical Centre, Ladywell, Barclays Medical Practice at East Craigs and Restalrig Park.
The new funding will enable Granton Information Centre to deliver new services in partnership with Pilton Community Health Project, The Ripple Project and Saheliya.
Two other Edinburgh projects have also received accessible advice funding. CHAI Edinburgh will partner with Rock Trust, and Harbour Homes (formerly Port of Leith Housing Association) with YMCA Edinburgh.
There will be a particular emphasis on providing advice to those who are traditionally hardest to help or who have not sought advice before.
Housing Minister Paul McLennan said: “The cost of living crisis is putting many households across Scotland under huge strain. Advice services play an increasingly critical role across Scotland’s communities by helping people to access support and benefits they may be entitled to, as well as helping them to understand their rights.
“This funding is part of more than £12.3 million that the Scottish Government is providing this year to support income maximisation, welfare and debt advice services. It will ensure we provide people with advice in places where they are more likely to already be, and we will focus particularly on reaching families.
“We know that early access to advice can make a dramatic difference to people’s financial situation and prevent issues – including debt – escalating.”
Grants are being distributed on behalf of the Scottish Government by Advice UK, the largest support network for independent advice organisations in the UK.
Projects with a focus on families, including disabled or single parents, those caring for a disabled person and parents from minority ethnic communities are among those which have been successful in securing funding.
The scheme is funded in part through the Scottish allocation from the Debt Advice Levy, which is raised by the UK Financial Conduct Authority by applying a levy to UK Clearing banks and consumer credit businesses.
Evidence from the Glasgow Centre for Population Health has highlighted the success of embedding welfare advice in GP surgeries. Initial findings from an interim report, conducted by the Improvement Service and covering the period between January 2022 and March 2023, showed that 89% of the almost 10,000 Welfare Advice and Health Partnership service users were ‘new’ users of advice – highlighting that the provision of welfare advice in accessible and trusted settings is allowing wider populations to engage with vital services.
The Scottish Government estimates that more than 60,000 people were supported by Scottish Government-funded debt advice services in 2022-23.