GRANTON Information Centre welfare rights advisers Elvira and Pui-Kei will be delivering an advice and information session tomorrow at Royston Wardieburn Community Centre.
Come along if you have any questions about debt/benefits or housing!
People are being encouraged to check they are not missing out on money and to find out if they could be eligible for any of the 12 benefits administered by Social Security Scotland. Seven of these are only available in Scotland.
The benefits which have been introduced over the past four years are available to people on low incomes responsible for children under 16, for people who need help paying for a funeral, disabled people, carers, young people entering the workplace and to help heat their homes.
Four of these payments are made automatically to people who get other qualifying benefits. To make sure people are maximising their income they should check what DWP benefits they could be eligible for too.
Payments made automatically include Carer’s Allowance Supplement and Child Winter Heating Payment as well as Best Start Grant Early Learning Payment and Best Start Grant School Age Payment for those in receipt of Scottish Child Payment.
In addition, the new Winter Heating Payment will be paid automatically to an expected 400,000 people across Scotland when it is introduced in February.
Minister for Social Security Ben Macpherson said: “January is traditionally a month where people find it harder financially than the rest of the year. This pressure can be more acute for people on low incomes or who face additional costs due to a disability or ill-health condition. The cost of living crisis also means that people are facing difficult financial decisions day in and day out.
“We are committed to making sure that people are getting all of the money that they are entitled to. That is why we are making payments automatically where we can. Where people need to apply, we are working hard to promote these payments and make the process of accessing them as straightforward as possible.
“Social Security Scotland works with partners and through advertising to promote our benefits and our next campaign will start this month to encourage parents and carers to apply for Scottish Child Payment.
“People can apply for all our benefits online, by phone, through the post or in person – whatever works best for them. We’ve designed the way we promote and deliver these benefits with the people who they are for to make sure that what we do works for them.
“We want people to talk with others they know about the support that is available. These payments are a shared investment in building a fairer society and no one should think twice about accessing what they are entitled to. Please look into what is available and apply if you think you could be eligible.”
WORRIED about your energy bills?
Find out about help you can get to heat your home more efficiently and reduce your heating bills at: http://homeenergyscotland.org
You can find local support and advice at:
http://edinburgh.gov.uk/costofliving
Advice on welfare rights, housing, rent arrears, debt and money.
Call 0131 551 2459 or 0131 552 0458
Email info@gic.org.uk
· Overall, nearly a third of adults in Scotland have less than £100 put away.
· Almost half of people who use credit are anxious about how much they owe.
· Over a third are anxious about the number of credit products they have.
· Free help is available, but six in seven people still struggle to talk about money.
Almost a million people across Scotland have no savings and another 450,000 have less than £100, according to new research from the Money and Pensions Service (MaPS).
The survey of 301 adults, carried out for Talk Money Week (November 7-11), shows that one in five (20%) have nothing put away and another one in ten (10%) have £100 or less.
This leaves almost a third of adults living without a financial safety net to cope with the rising cost of living or unexpected bills, meaning some may have to use credit.
MaPS says although credit is an important tool when used and managed well, it’s crucial that people understand what they can afford and have a plan to pay it off.
However, the figures also reveal that many people are already finding this difficult. Among the 82% of Scotland residents who use credit, two in five (43%) are now anxious about how much they owe. Two in five (40%) are worried about the number of different products they have.
As cost of living pressures start to hit home, MaPS says it’s more important than ever to talk about money before problems set in. However, the survey also reveals that 85% of people still avoid discussing their finances.
Asked why, the most common responses were ‘not wanting to be judged’ (24%), ‘shame or embarrassment’ (20%) and ‘fear of burdening others’ (17%).
During Talk Money Week, MaPS is encouraging everyone to open up about money, plan for their financial future and take free debt advice as soon as they need it.
The organisation says its MoneyHelper service can be people’s first port of call, offering free guidance on topics like everyday money, savings and where to find free debt advice.
It also provides a range of information on dealing with money issues, including step-by-step guides on how to talk to your creditors or discuss money with family and friends.
Allison Barnes, Scotland Manager at the Money and Pensions Service, said: “Over a million people across Scotland find it a challenge to save and this leaves them vulnerable when sudden expenditure items arise. When you add in the anxiety that they feel with their credit commitments, the weight of that worry can quickly become overwhelming.
“This Talk Money Week, we want everyone to start the conversation with family or friends and share the burden of any money worries. By dealing with the problem head on, people can discover just how helpful free debt advice can be and see the importance of talking to their creditors early. They can also begin to find a way forward, no matter how difficult their situation might feel.
“Free help and guidance on how to do all of this is available via our MoneyHelper service and I’d urge everyone who needs it to get in touch today.”
About Talk Money Week
The week is an opportunity for everyone to get involved with events and activities across the UK which help people have more open conversations about their money – from pocket money to pensions – and continue these conversations year-round.
This year’s Talk Money Week will focus on the theme of ‘credit’ – to help demystify some of the jargon, build people’s understanding of credit products, and what their options are, including other forms of support that might be suitable. However, we encourage people to use the week as an opportunity to talk about any aspect of money.
More information is available at https://maps.org.uk/talk-money-week/.
A new annual publication with estimated take-up rates of Scottish social security benefits has been published for the first time.
The report will help track progress against the Scottish Government’s Benefit Take-up Strategy which is a requirement of the 2018 Social Security (Scotland) Act.
The Scottish Government is committed to delivering a transparent social security system and reporting annually on progress will support that aim. This first publication covers estimates from introduction of the benefits up to the end of March in the 2021-2022 financial year and will sit alongside existing performance reporting on Social Security Scotland.
Minister for Social Security Ben Macpherson said: “We are committed to making sure everyone gets the financial support they are entitled to and our benefit take-up strategy outlines how we are doing this.
“We actively work to encourage take-up of Scottish social security benefits by promoting our 12 benefits, collaborating with various organisations and removing barriers to access.
“This new publication of estimated take-up rates provides us with valuable insights, and will help us to identify where we can do more. Our commitment to continuous improvement ensures we are making progress in breaking down the barriers to access, and in reducing stigma that may have previously led to people not accessing the benefits they are entitled to.
“For example, we have been working with supermarket retailers to promote Best Start Foods, we have shared over 42,000 leaflets about our five family payments and Child Disability Payment in NHS Scotland’s baby boxes, and we have included information on Scottish social security benefits in welcome packs supporting refugees.
“Our efforts to maximise incomes and support benefit take-up are even more important during the current cost of living crisis. Our new cost of living website is a trusted ‘one stop shop’ for advice and information about financial support available in Scotland, including all our Scottish benefits.
“I would encourage everyone to use and share this website, to make sure people are accessing the financial support they are entitled to.”
Benefits and grants may help you increase your income. Check if you’re eligible for payments like:
Scottish Child Payment
Carers Allowance Supplement
Disability payments
Pension Credit Full list and benefits calculators at http://bit.ly/BenefitsAndIncome
Granton Information Centre can make sure you are receiving all the benefits you are entitled to. To make an appointment telephone 0131 551 2459 or 552 0458, or email: appointments@gic.org.uk
Families and friends have a crucial role to play in ensuring Scotland’s social security payments reach those who need them most.
On a visit to a Citizens Advice Bureau, as part of Challenge Poverty Week, Social Security Minister Ben Macpherson said talking about benefits would help drive take-up and reduce stigma about accessing benefits. The Scottish Government urges people to make sure they get the benefits they are entitled to.
These payments provide support to people on low incomes, people with disabilities, carers, and young people entering the workplace.
During the visit to the Citizens Advice Bureau in Muirhouse, Mr Macpherson met staff and volunteers who provide information and advice about available financial assistance and wider support.
Minister for Social Security Ben Macpherson said: “We are urging as many people as possible to talk to family, friends and other people they know to encourage them to apply for benefits they may be entitled to. We want people to get any support that they are eligible for.
“We know that word of mouth helps to raise awareness of Social Security Scotland’s payments, and those provided by the UK Government which may be needed to access Scottish benefits. We also want anyone who thinks they might be eligible for payments to check what’s available to them.
“While several of our payments are designed for people on low incomes there are also others which provide support to disabled people, young people starting their careers after a period of unemployment, and carers including young carers.
“Social security is a shared investment in people and supports building a fairer, more equal society. The current cost of living crisis shows that any of us could need this support at some point in our lives. That is why it is right that we invest in social security together.
“The Scottish Government is grateful for the impactful role that Citizens Advice advisers play in promoting and supporting access to social security.”
The Scottish Government’s new website provides information on the wide range of advice and financial support available.
Find out more at http://gov.scot/costoflivingsupport…
Citizens Advice Edinburgh Chief Executive Benjamin Napier said: “The Citizens Advice network in Scotland encourages everyone to check that they are receiving the income they are entitled to.
“Every year, millions of pounds of welfare entitlement go unclaimed. At a time of increasing costs and pressures on household budgets, we strongly encourage people to get in touch with their local Citizens Advice Bureau or use our online tools like www.moneymap.scot to see if they could be receiving more money.
“Last year the CAB network across Scotland helped over 174,000 people and 2.4 million people checked our online advice pages.
“Advice from CABs is free, impartial and confidential. We never charge people for advice and are for everyone regardless of background or circumstance. Social Security Scotland have 12 new benefits and we want to make sure everyone knows their rights of access them.”
#ChallengePovertyWeek
GRANTON Information Centre remains committed to tackling the injustice of poverty in Edinburgh. We do this by:
* Ensure that our service users are getting all the financial assistance they are entitled to by carrying out ‘benefit checks’ and ‘income maximisation’ appointments
* Assisting our clients to make benefits claims and apply for grants on their behalf
* Assisting our service users to challenge decisions if their benefit has been stopped/ sanctioned/ reduced/ refused or overpaid
* Discuss various options with our clients who are struggling to cope with debt, including liaising with lenders and arranging bankruptcies
* Organising food and clothing bank referrals.
We are here to help! Contact us: appointments@gic.org.uk / 0131 551 2459 / 0131 552 0458
We are currently looking for a Welfare Rights Adviser to join our organisation.
This role is ideal for someone who is passionate about helping people and understands the importance of individuals having access to free and impartial advice, advocacy and representation on matters relating to benefits, welfare rights and debt issues.
Although experience in a similar role is preferred, full training will be provided and we are looking to hear from anyone who has useful transferable skills and an interest to work in this field (including graduates).
Apply at https://goodmoves.com/…/a4s3z000…/Welfare-Rights-Adviser
It is difficult to watch the events happening in Ukraine on the news without feeling helpless.
The charity GOCC Edinburgh are organising a collection for Ukrainians in need.
If you are able to help, you are welcome to leave donations of UN-OPENED toiletries, packets of nappies/sanitary products at Granton Information Centre’s office (134-138 West Granton Road, EH5 1PE) tomorrow morning between 9.30 – 12 midday and Thursday morning between 9.30 – 12 midday.
We will ensure all donations are safely delivered to GOCC Edinburgh on Thursday afternoon.
PLEASE NOTE we are only able to accept donations of the items listed above (no clothes, medicines, monetary donations, etc will be accepted at our office).
Additional items can be donated directly at the Foodplus stores mentioned in the flyer (below):
As we start this new year, many people across Scotland are struggling with the increased cost of living impacting all areas of life. The cost of a food shop has increased alongside significantly higher fuel and energy costs. The upcoming removal of the energy price cap is set to see prices soar.
Christians Against Poverty (CAP) Scotland is deeply concerned that many low income families will see their debts rocket as they struggle to afford the basics. CAP surveyed around 900 clients across the UK during the pandemic and over a third (37%) said they regularly had to go without meals. Over half (56%) had borrowed money to pay for food, clothing and other essential living costs.
TIME TO SEEK FREE DEBT HELP
CAP Scotland is encouraging more people to seek help with problem debt now and not to wait until things get worse. Their message is clear, it is never too early or too late to get debt help.
CAP Scotland’s National Director, Emma Jackson, explains why this is so vital: “Over the past year we’ve seen the devastating impact of the cost of living increase hitting low income families hard. Before getting debt help, many of our clients were having to prioritise which bills to pay.
“No one should have to make the impossible choice between whether to heat their home or feed their children but sadly too many people in Scotland are having to do this right now.
“Too often shame and stigma keep people trapped in problem debt, 50% of CAP clients wait for over a year to get debt help. We are urging everyone who is struggling with problem debt not to wait until things hit crisis point.
“CAP Scotland provides free, professional and community based debt help. Our Debt Coaches can meet you in the comfort of your own home and stay with you every step of the way until you become debt free.
“Many other trusted debt help charities are also offering vital support with free debt help. The most important thing isn’t which charity someone chooses to call, it’s just making the call for help as soon as possible.”
Local charity Granton Information Centre is one of the organisations that are here to help.
Email info@gic.org.uk or telephone 0131 551 2459 or 0131 552 0458 to make an appointment or enquire about our outreaches.
