JRF: No end in sight for living standards crisis

JOSEPH ROWNTREE FOUNDATION’s COST OF LIVING TRACKER – WINTER 2024

The Government must tackle stagnant levels of hardship as part of their mission for growth, with worse living standards to come if no action is taken.

As Rachel Reeves unveiled her first budget for the new Labour Government, the 7th wave of our cost of living tracker captured the experiences of low-income households in the UK.

Collected between 8 and 31 October, surveying 4,065 households in the bottom 40% of incomes, our key measures of hardship remain entirely unchanged from 6 months ago, despite some key economic conditions easing. We find in October 2024 (see Figure 1):

  • 7 million low-income households (60%) were going without the essentials in the previous 6 months, including 5.4 million experiencing food insecurity in the previous 30 days 
  • 4.3 million low-income households (37%) were in arrears on at least one household bill or credit commitment. 

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We also find around a 3rd of households (34% or 4 million households) held a loan they originally took out to pay for food, housing or essential bills worth around £9.6 billion in October 2024.

These findings of stalled progress track with our microsimulation modelling, which shows that disposable incomes after housing costs are forecast to fall over the rest of this parliament. Households in the bottom 40% of incomes are projected to be £440 worse off per year in real terms by October 2029, compared to October 2024.

If the Government are serious about ending the need for emergency food parcels, tackling child poverty and growing the economy, they must take bold action to prevent living standards from deteriorating further, and build strong foundations for household economic security for the future.

Economic context: flatlining disposable incomes

Our modelling shows that disposable incomes after housing costs for households in the bottom 40% of incomes fell in October 2021 and have flatlined since (see Figure 2).

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This is caused by a complex economic picture of high prices and recovering wages:

  • Inflation has returned broadly to target since April 2024, at around 2%, however high inflation since the end of 2021 has baked in higher prices in areas such as food, and other costs such as energy are rising again.
  • Private rents have continued to increase ahead of inflation, up 8.7% in the year to October 2024.
  • Interest rates have now seen two cuts, to 4.75%, but the full impact of elevated interest rates is still feeding through to mortgage costs.
  • Real earnings growth returned from mid-2023, but has slowed this year, while the National Living Wage increased by 9.8% in April 2024.
  • From April 2024, benefit rates were uprated by 6.7%, and LHA was unfrozen with an average annual increase of £785 per household, so our data reflects several months of these uprated payments.

Going without essentials

The number of low-income households going without essentials like food, heating and showers remains at 7 million in October 2024, entirely unchanged from 6 months ago. This number has not dropped below 7 million since October 2022, showing persistent and embedded hardship in the UK (see Figure 3a).

Low-income households are routinely going without enough food, with 5.4 million unable to afford enough food in the 30 days prior to the survey in October 2024 (46%). This includes 5.2 million families cutting down or skipping meals (44%), and 3.8 million going hungry (32%) (see Figure 3b). While food insecurity is down from a peak of 5.9 million households, or half of all low-income households in October 2023, it is unchanged from May 2024 (46%).

Some groups within low-income households continue to face very high risk of going without essentials. In October 2024, 86% of low-income households on Universal Credit (UC) went without essentials and 82% of low-income private renters in receipt of housing benefits.

Neither group has seen any improvement since the last survey, with uprating and unfreezing of housing benefits in April 2024 only maintaining existing levels of hardship. Other demographics at high risk of going without essentials include 87% of lone parents and 85% of families with 3 or more children, around 8 in 10 households with a black respondent (81%) and around three quarters of private (76%) and social renters (75%) (see Figure 3c).

For the first time, we can report on families in receipt of different health and disability related elements of UC, who will be amongst those subject to the Government’s benefit reform.

We find around 9 in 10 low-income households receiving the Limited Capability for Work element (90%) and Limited Capability for Work and Work-Related Activity element (88%) were going without essentials in October 2024.

The recent Get Britain Working white paper signalled a welcome reset in approach to supporting disabled people into work. But making arbitrary cost savings of £3 billion the starting point for reforms risks undermining this and leaves uncertainty hanging over disabled people at greatest risk of hardship.

We have also seen no progress on the depth of hardship, with the number of essentials households are going without flatlining. Of those who are going without essentials, we have consistently seen around a 3rd going without 4 or more essentials in every wave of the survey (see Figure 3d). Families on Universal Credit are almost twice as likely to be going without 4 or more essentials than families not on any benefits in October 2024 (45% compared to 24%).

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Falling behind on your bills

There has been no progress on the number of households in arrears, with 4.3 million low-income households (37%) behind on at least one household bill or credit commitment in October 2024, completely unchanged from the 6 months before (see Figure 4a).

Overall low-income households owe around £6.1 billion in arrears across all household bills and credit commitments. £2.3 billion of this is owed on bills with high consequences if you fall behind, including council tax, rent or mortgage payments and energy bills. For example, falling behind on council tax bills could make you liable to pay a years’ worth of council tax immediately. In October 2024 12% of low-income families are in arrears on their council tax, owing an average amount of £540.

Around 1.5 million low-income households (13%) are currently in arrears on their energy bills before we even head into winter. Those who are behind owe an average of around £500, and 58% of these households are in arrears with 4 or more different bills. A member of JRF’s Grassroots Poverty Action Group told us how normally over the summer period they are able to get on top of energy bills they have fallen behind on during the winter, but this summer that wasn’t possible.

Rent arrears also remain stubbornly high, with 18% of renters behind on their rent, largely unchanged since October 2021. They owe an average of £620 in arrears for rent alone. We find 13% of renters prioritised their housing bills over their other bills in the last 12 months, but 38% of those who did that were unfortunately still in arrears with their rent, showing that many low-income renters are out of options. Arrears for mortgage holders have improved however, with 12% in arrears in October 2024 compared to 16% a year ago in October 2023.

Within low-income families, some groups experience far greater risk of being in arrears. Families where someone has caring responsibilities are almost twice as likely to be behind on their bills compared to families where there are no carers (55% compared to 29%), and are unsurprisingly more likely to be going without essentials too (76% compared to 53%).

Other groups continue to be at elevated risk of being behind on their bills, including 66% of households with a black respondent, and 6 in 10 families with 3 or more children (62%) (see Figure 4b).

However there are some positive trends with some of the most at-risk groups seeing a sustained fall in the proportion in arrears, including households with respondents aged 18-24, families on Universal Credit and lone parents. While still incredibly high, these are at least moving in the right direction.

As with the overall picture of arrears, progress on the depth of arrears has stalled. There had been a steady downwards trend in the amount of money families owed following a peak in October 2022 of £1,630, but this had stopped in October 2024. Of those in arrears, the average amount owed was around £1,430.

In May 2024 we saw a promising sign of the proportion of households behind on 4 or more bills falling, however this hasn’t continued in October 2024 with 3 in 10 or 1.3 million families who are in arrears behind on 4 or more bills (31%) (see Figure 4c). Being behind on multiple lending commitments and bills to different providers negatively impacts people’s credit file and their ability to borrow in future.

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Taking on debt to get by

Being behind on your bills is one type of debt, while another is where families have used credit to pay for things. Taking on a loan in and of itself isn’t a bad thing, however it becomes concerning when families rely on credit to cover essentials, can only access high-cost credit, or fall behind on repayments.

While many of our key measures of hardship have remained unchanged, the proportion of low-income families who hold loans they took out to pay for essential costs has moved in the wrong direction. In October 2024, 4 million low-income households (34%) held £9.6 billion of loans they originally took out to pay for food, housing or essential bills like council tax or energy (see Figure 5a).

This is very similar to a year ago, when 3.8 million low-income households (32%) owed £9.2 billion for these essentials loans. Taking on debt to pay for essentials has not been enough to prevent hardship, with nearly 9 in 10 of these families going without essentials in October 2024 (88%) and 7 in 10 behind on their bills (71%).

In October 2024, 2.2 million low-income families (19%) held high-cost credit loans, from unregulated lenders (loan sharks), doorstop lenders, payday lenders or pawnshops (see Figure 5b). The proportion who hold these loans had been falling since October 2022, but it has now risen for the first time. While the value of high-cost credit and unregulated loans has increased to £3.2 billion in October 2024, it is still lower than a year ago, at £4.1 billion in October 2023.

The total amount of debt across all unsecured loans and credit (see methodology note) currently held by low-income households has also increased in October 2024 to £23 billion, up from £19 billion in May 2024 (see Figure 5c). While still less than the £26 billion peak in October 2022, debt levels are now back to levels seen in October 2023 (£22 billion). The proportion of families who hold each type of debt in October 2024 mirror our findings in October 2023. It is largely the proportion of households holding each type of loan which has driven the total amount of debt held back up, rather than the amount of debt held for each loan type increasing.

During the cost of living crisis there was a tightening in the availability of affordable credit, due to stricter eligibility requirements, high interest rates and regulatory changes. These factors are likely to have contributed to the fall in loans between October 2022 and May 2024. As interest rates now ease, the availability of unsecured credit now appears to be increasing according to lenders surveyed by the Bank of England.

The proportion of low-income families who applied for loans or credit stayed the same from May to October 2024 at 55%, with three quarters of those who applied approved (75%). However there was a decrease in the proportion of those who applied and were declined in the previous 6 months, down from 14% in May 2024 to 9% in October 2024. We will continue to monitor this, a greater availability of credit may allow more families to take on loans, as seen in the reduction in families being refused credit in the last 6 months.

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A deeply concerning outlook

The October 2024 Budget was big in terms of the increased tax take and investment, but in reality will deliver very little change for low-income households. There were some positive changes such as restoring spending on public services, reducing the amount of deductions from benefits and extending the Household Support Fund (albeit at a lowered level). However our modelling shows these changes will only have limited impact for low-income families and Government must go much further to meaningfully shift the dial on hardship.

Using microsimulation modelling we converted macroeconomic forecasts from the OBR into household-level impacts for the bottom 40% of incomes to show the outlook over the rest of this parliament1. We find that average disposable incomes after housing costs are projected to be £440 per year lower in real terms in 2029, than they are in October 2024. This is largely being driven by rising housing costs, which we can see (from Figure 6a) means that relatively flat gross incomes lead to declining net (post-tax, disposable) incomes once housing costs are taken into account.

Our latest modelling shows the variation in experiences for households across the income distribution. While households across the income distribution are forecast to see their living standards fall throughout the rest of the parliament, households in the bottom 20% of incomes see a significantly larger proportional drop (see Figure 6b).

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Government Spending Review must tackle hardship

This story has yet again set out the embedded levels of hardship facing low-income households in the UK, alongside modelling which shows a stark warning that things are projected to get much worse over the rest of this parliament.

JRF is calling for the Government to place economic security for households at the centre of their mission for growth, to place growth on a surer footing and ensure change is felt by households who need it the most.

Firstly, the Government must make immediate progress on bringing down hardship by:

  • introducing a protected minimum amount of support 15% below Universal Credit’s current basic rate, as a first step towards an Essentials Guarantee – this would restrict the amount of reductions to benefit payments, including from debt repayments and the benefit cap
  • reforming the Household Support Fund and Local Welfare Assistance in England so everyone has somewhere to turn for immediate cash help in a crisis
  • unfreezing LHA and permanently relinking it to local rents
  • expanding the Warm Home’s Discount, to increase the level of support and widen eligibility to include people in receipt of disability benefits
  • increasing the rate of means tested benefits for carers, to help protect those on the lowest incomes from poverty
  • from 2025, not pursuing similar cuts to those planned by the previous Government, and committed to by Labour, to Universal Credit’s Work Capability Assessment ‘activities and descriptors’
  • scrapping the ‘two-child limit’ on support for children in Universal Credit and tax credits.

Secondly, the Government must also build the foundations of a stronger social settlement that can provide real economic security for families now and in the future. This would mean an Essentials Guarantee in Universal Credit to ensure everyone has a protected minimum amount of support to afford essentials like food and household bills.

It would also mean reform to the housing system, including increased funding for social house building. It would mean introducing an energy social tariff, that will support low- and middle-income households through the transition to net zero, by targeting the high and rising energy costs families are facing.

It would mean reducing risks for disabled people wanting to work and improving trust in the social security system, by working with disabled people to develop a replacement for the Work Capability Assessment and implementing a comprehensive Work Transition Guarantee.

And finally, a rethink of our care infrastructure so that parents have access to the right kind of childcare that allows them to work if they want to, as well as proper financial support for people who need to temporarily step away from work to help care for a loved one.

Together, these changes build strong foundations in the social security system to build lasting economic security for all, so that we can finally stop reporting that 7 million low-income households are going without essentials.

Tesco customers in Edinburgh thanked for generous Winter Food Collection support as 1.9 million meals donated

Stores across the country have been overwhelmed by the generosity of customers who donated at the Tesco Winter Food Collection.

An incredible 1.9 million meals’ worth of long-life food items were donated at the collection between 25th November and 30th November in all the retailer’s large and Express stores.

In Edinburgh, the collection saw customers donate 24,451 meals to make a difference in their local community.

Every item donated provides much-needed support for charities FareShare and Trussell in the run up to Christmas.

Donations to Trussell help food banks to provide emergency food parcels to people who cannot afford the essentials, while donations to FareShare support thousands of frontline local charities in communities across the country.

This winter will see heightened levels of need for both charities’ services with the Christmas holidays being a particularly difficult time for families due to the increased costs that occur at this time of year. With this in mind, Tesco provided an extra £500,000 of funding to FareShare and Trussell to meet this acute need.

Tesco CEO Ken Murphy said: “I just want to say a huge thank you to every single person who donated items at this year’s Winter Food Collection. Their generosity is always so amazing and really helps to make a huge impact in communities across the UK supported by Trussell and FareShare.”

Throughout the year Tesco donates unsold food to FareShare as part of its Community Food Connection scheme. That means so far this year Tesco and its customers have given the equivalent of more than 39 million meals to both charities.

In addition to the donations of food, the pre-Christmas Winter Food Collection saw more than £340,000 donated to the charities by customers rounding up their bills at the till and donating through a link from Tesco’s online groceries website.

Kristopher Gibbon-Walsh, CEO at FareShare, said: “Every year, we are blown away by the generosity of Tesco customers at the Winter Food Collection, and this year is no exception.

“Thank you to every single person that volunteered in store, donated an item of food, topped up their shopping bill, or made a donation to FareShare. Your kind support will ensure we can continue getting food out into the community, bringing people together and strengthening communities this winter.” 

Emma Revie, CEO of Trussell, said:“We are so grateful to Tesco for supporting food banks to get through this season by organising this year’s Winter Food Collection. Thank you to Tesco customers for coming out in support of your local food bank, to ensure they can continue helping everyone in your local community who is facing hunger and hardship this winter.

“Thanks to your efforts, we have collected 1.8 million meals to support people who need a food bank this winter. Thank you for your generosity – together we can end hunger for good.

“Food banks in the Trussell community are a last resort for people who’ve been left facing hunger and hardship. They’re a lifeline, offering a warm welcome and space to be heard. But with so many people unable to afford the essentials right now, food banks continue to provide exceptionally high levels of emergency food, with many telling us they are at breaking point.

“Just over 1.4 million emergency food parcels were provided across the UK by food banks in our community, between April and September this year.”

With both charities continuing to need support, Tesco shoppers can continue to donate food at permanent collection points at every Tesco store in the UK or make a donation after their online shop.

You can also donate at https://fareshare.donr.com/tesco until February 2025.

£5 Christmas Appeal: itison founder calls for action to help children who will have nothing this winter

SCOTTISH BUSINESS OWNER SPEAKS OUT ABOUT THE TRAGIC STATE OF POVERTY IN SCOTLAND: “CHILDREN ACROSS THE COUNTRY WILL SPEND CHRISTMAS DAY WITHOUT A HOT MEAL, GIFT OR SAFE PLACE TO CALL HOME – WE NEED YOUR HELP TO BREAK THIS CYCLE OF HOMELESSNESS”

Founder of Scottish business, itison, Oli Norman, has spoken out about the ‘devastating’ level of poverty in Scotland this festive season. To tackle this, the company has once again launched its £5 Christmas appeal in a bid to raise thousands for people who are vulnerable and homeless this winter, in partnership with Social Bite.

The annual initiative, which allows generous Scots to buy a person, family, or child who is homeless or vulnerable a hot Christmas meal or gift for just £5, comes amidst news that more children in Scotland will be homeless and hungry this Christmas than ever before.

Over the last decade, the itison £5 Christmas Appeal campaign has raised more than £3 million, with 700,000 donations made, meaning hundreds of people each year are able to enjoy a hot meal or a gift on Christmas Day at one of Social Bite’s coffee shops. Every year, the number of people accepting these meals increases, with more and more people visiting Social Bite on Christmas Day to enjoy good company, warmth, and a hearty meal.

Social Bite and itison have surveyed the drastically declining rate of security for vulnerable people across Scotland since last year and work closely with people who receive support from Social Bite’s services to hear their stories.

Two regular attendees of the festive meals are father and son Jim and Billy. The pair have attended the Social Bite Christmas meals, in partnership with itison, for over five years. The meals mean so much to them that in past years, Jim and Billy have walked from as far as Rutherglen in to Glasgow to have their festive celebrations with the charity.

Billy said: “Every year that we’ve been has been brilliant. There’s no public transport on Christmas Day, so for a few years we walked in until my dad got a bit older.

“They welcome you in, you get a nice meal. It’s turkey, potatoes, you get your dessert. It’s good portions. Not too big, but it’s not too wee. And the gifts you get are unbelievable.”

Jim added: “Last year we got a charger for our phone, a pair of slippers, sweeties. Hats, scarves, gloves, a thermal to keep you warm when you’re outside. For a lot of people who are otherwise by themselves, who don’t get anything, they’re over the moon.”

Over the years they’ve got to know some familiar faces. But it’s the ones who don’t return – reflecting the instability and dangers of homelessness – that stick most with Jim and Billy.

Jim commented: “The thing that’s quite sad is you see a lot of people and then you don’t see them, because of their situations. You get to know people, and then you’re told ‘they’re no longer here.’

“It’s the young ones. One minute you see them, and the next year they’re not here.”

It was revealed earlier this year that the increase in homelessness in Scotland poses a ‘serious risk’ to life as a lack of accommodation is leaving people without somewhere safe to call home, forcing them to endure freezing temperatures and extreme weather conditions.

Oli Norman, owner of itison, said: “It’s 2024, and people are still going hungry, still without a decent home, still living on the streets, and still at serious risk because there is not enough accommodation for people who need it. The cost of living is still increasing, pushing more people into devastating poverty.

“There is simply not enough support for people who are, or are at risk of becoming, vulnerable and homeless. Families and children across the country will be spending Christmas Day without a hot meal, gift or safe place to call home – more must be done.

“We hope that once again our £5 voucher can bring some comfort to people who need it this festive season. We are urging people to please go online and buy a voucher for the same price as a coffee or a meal deal – we need your help to break this cycle of homelessness. Let’s act now.”

Social Bite founder Josh Littlejohn MBE said: “Social Bite is experiencing unprecedented rise in demand from people who are homeless across the country due to the national housing emergency and the increasing cost of living.

“The itison £5 Christmas appeal is a simple way for people to get involved and help bring some joy to people and families who are homeless and need it most this winter.

“For many people across the country, Christmas Day can be extremely challenging, but with the itison £5 voucher, you can give someone the chance to have a hot meal and enjoy some good company on what should be the most joyful day of the year.

“This year, you also can make a child’s day with a Christmas gift for £5. Thank you to the amazing Scottish public for your continued support this Christmas.”

The £5 vouchers are available now at itison.com.

In addition to the itison £5 Christmas Appeal, donations and gifts can be made to Social Bite’s Festival of Kindness online or at one of the Trees of Kindness located throughout the UK.

For a full list of essential items needed, and to make a donation online, visit: social-bite.co.uk/festival-of-kindness/.

  • Dundee – Union Street
  • Glasgow – Vinicombe Street
  • Edinburgh – Castle Street & The Pitt Market, Granton
  • London – the Strand, outside Charing Cross station
  • Aberdeen – outside the Bon Accord Centre

Football helping to tackle poverty

Extra Time partnership delivering for families

An initiative to provide free after school and holiday clubs for families on low incomes has helped more than 3,500 children to attend football and other sport sessions, increasing access to sports and improving their mental health during its first year.

An impact report published by the Scottish FA shows a £4 million investment from the Scottish Government is helping efforts to end child poverty by supporting parents and carers to increase their working hours, thereby maximising the effect of any financial savings, and has been especially successful in supporting lone parent families.

The report also shows that the number of parents and carers benefitting from the Extra Time initiative rose by 80% in the first six months of the programme, with increased funding helping thousands of children attend regular services which provide childcare options for their parents.

Extra Time is a joint initiative between the Scottish Government and the Scottish FA that provides funding for 31 local football clubs and trusts to provide free access to before school, after school and holiday clubs for targeted primary school children from families on low incomes.

Attending the first anniversary celebration of the launch of the project at Hampden Park, with Extra Time Ambassadors and former professional players Stephen O’Donnell and Suzanne Winters, Minister for Sport Maree Todd said: “Extra Time is having a positive impact right across Scotland by providing affordable and accessible childcare options in local communities for thousands of families.

“The First Minister has made clear we will continue to prioritise action to end child poverty by removing barriers to affordable and accessible childcare. This initiative will contribute to this.

”We know it is working for those most at risk of living in poverty, supporting parents to maintain their current employment or gain new employment.

“It is making a real difference for children and young people too, with mental health benefits for participants – improved confidence, happiness, and social skills – and the provision of food at sessions is helping to tackle food insecurity and to promote healthy food choices.”

Scottish FA Chief Executive Ian Maxwell said: “At the Scottish FA we regularly speak of the power that football has to positively benefit society and the Extra Time programme is a shining example of the social benefits that football is able to provide off the pitch.

“We are grateful to the Scottish Government for their support in delivering this programme over the past twelve months and look forward to continuing our work on the programme to deliver tangible benefits to families and communities across the nation.” 

Former Scotland Women’s International and Extra Time Ambassador Suzanne Winters said: “Through my work with Queens Park Football Club I have witnessed first-hand the incredible impact that this programme has had on the families involved with it.

“It is a fantastic example of football making a difference off the pitch.”

Former Scotland Men’s International and Extra Time Ambassador Stephen O’Donnell said: “It is heart warming to see the children in this programme enjoying their access to football through this programme while also benefitting them and their families through the free childcare.” 

Scottish FA Extra Time Annual Impact Report

More than 1.42 MILLION emergency food parcels distributed in past six months

Food banks in our community gave out just over 1,428,000 emergency food parcels across the UK between April and September this year, charity Trussell Trust reports today.

This includes 508,000 parcels provided for children facing hunger across the UK.

The majority of food parcels were distributed to families with children, with 63% of the total number of parcels going to households with children aged 0–16, the charity reports. More than 277,000 people visited a food bank in the Trussell community for the first time between April and September.  

The total number of parcels provided across the UK is 67,000 fewer when compared to the same period last year, representing a 4% decrease. Trussell says there are a number of possible reasons for this recent small dip, such as the gradual slowdown in the extortionate price hikes we experienced on food and bills in recent years, and an end to the Local Housing Allowance freeze in April, bringing support for private renters back in line with local rents. 

However, Trussell says it’s difficult to say if there has been an actual drop in hunger and hardship. The need for emergency food is still persistently high, and the number of parcels provided is 69% greater than the same period in 2019. 

In fact, some UK regions saw a marginal increase in the number of food parcels provided. East of England and London saw increases of 1% and 4% respectively in the numbers of parcels provided.  

Trussell says while food banks are a last resort for people who’ve been left isolated, facing hunger, and without enough money to live on, many are at breaking point due to years of growing numbers of people forced through their doors. 

Winter is often the busiest time for food banks and Trussell is calling on the public to continue to play their part and support their local food banks to meet this urgent need, by volunteering, donating, fundraising or campaigning to help end hunger in the UK. 

Food banks offer hope, dignity and relief to people facing hardship. Many need vital funds to provide services beyond distributing emergency food, such as advice and support that unlocks money someone should be getting and services aimed at helping people out of financial hardship.    

Trussell says the evidence is clear that hunger in the UK isn’t a food problem, it’s an income problem. People are being forced to turn to food banks because incomes from work, and social security payments, do not cover the cost of the essentials, such as food, bills, and toiletries.

That’s why Trussell has also joined forces with hundreds of communities, food banks and charities including the Joseph Rowntree Foundation, in calling on the UK government to take urgent action now.  

Today, food banks across the UK have joined together to rally for change and are giving out a newspaper, the Hardship Times, in Westminster. The newspaper is made up of messages of hardship and hope, collected from hundreds of food banks across the UK.   

The charity says there is hope and it knows we can end hunger, if positive action is taken. The UK government must act swiftly to follow up announcements in the recent Budget, with a clear plan to meet its manifesto commitment to end the need for emergency food and ensure that we do not see even more people facing hunger and hardship on its watch.  

This plan should include investment in our social security system, at the very least introducing a protected minimum floor in Universal Credit to limit the amount of reductions that could be applied to a household’s Universal Credit. This would ensure, for the first time, that there would be a real safety net below which no one could fall.

The charity says this would be a low cost but concrete step towards ensuring our social security system protects people from facing hunger and hardship.  

Emma Revie, Chief Executive of Trussell, said: “The sheer numbers of people still facing hunger and hardship across the UK is heartbreaking. This cannot go on and we refuse to stand by while so many of us are pushed to the brink, left without enough money to live on.  

“Our food banks are a lifeline, offering a warm welcome and space to be heard. They need everyone to play their part to move us towards ending the need for emergency food in the UK.

“You can help make sure food banks can continue to provide warm, compassionate, practical support and advice this winter by volunteering, donating, fundraising or campaigning to help end hunger in the UK. 

“Meanwhile, alongside our community of food banks campaigning today in Westminster, we will continue to call for change.

“The UK Government was elected with a manifesto pledge to end the need for emergency food and the time to act is now. There have been promising steps, but we need a clearer plan with more decisive action to invest in our social security system, if we are to end hunger once and for all.” 

Number of emergency food parcels distributed by food banks in the Trussell community: 1 April – 30 September 2019, 2023, and 2024:      

        1 April – 30 September 2019 1 April – 30 September 2023 1 April– 30 September 2024 
For adults For children   Total   For adults For children Total   For adults For children Total   
UK 534,786 309,203 843,989 952,394 542,915 1,495,309 920,960 507,721 1,428,681 
England 411,598 243,697 655,295 785,489 451,713 1,237,202 764,077 424,758 1,188,835 
Scotland 75,361 36,891 112,252 87,485 42,136 129,621 82,424 39,967 122,391 
Wales 37,262 21,199 58,461 56,496 32,209 88,705 53,878 28,907 82,785 
Northern Ireland 10,565 7,416 17,981 22,924 16,857 39,781

Over 6 million children face going to bed cold this winter

Research reveals over 6 million British children could be facing cold bedtimes this winter, with half of parents (49%) worried their children will be cold at home when temperatures drop.

The new data indicated that almost a quarter of Brits (24%) cannot keep their house warm when it’s cold, no matter what they try.

As a result, a third of parents (32%) admit they’ve had to put their children to bed in a cold room and a further 39% worry the temperature of their house is bad for their family’s health on cold days.

The research, conducted by the home heating experts at SpeedComfort, reveals the scale of British homes’ cold crisis, with many homes falling short of recommended healthy temperatures.

On average, Brits anticipate the temperatures inside their homes will drop to 12.8°C this winter. This is five degrees colder than the recommended healthy temperature for adults to live and sleep in (18°C) and three degrees colder than the minimum safe temperature for infants to sleep in (16°C), according to the World Health Organisation (WHO).

The impact of this on families across the UK is significant. According to the NHS, consistently being cold can have a detrimental impact on you and your family’s physical health.

The latest findings support this. 43% claim being cold at home causes them physical discomfort, over a quarter (28%) say they’re ill more often when it’s cold, and 41% report feeling down when they’re cold.

In addition to affecting families, the research found that cold temperatures are set to have a big impact on the UK’s most vulnerable citizens, with older people most likely to be cold at home this winter (37%).

This is concerning, given that they are more susceptible to the mental and physical effects of the cold. Half of over 65s say the cold causes discomfort and almost the same proportion (49%) state it makes them feel low (8% higher than the average Brit).

Wouter Heuterman, CEO of SpeedComfort, comments: “With the cost of living crisis continuing to affect so many families across the UK, it’s heartbreaking to see that so many people are worried about keeping their families safe and warm at home this winter.

“The cold has a huge impact on how we feel both physically and emotionally. For families with children and vulnerable people, the impact of cold temperatures is even further exacerbated.

“So, if you’re worried about the health of your family this winter, it’s well worth considering alternative ways of keeping your home warm when temperatures drop. To help with this, we’ve created a guide for staying warm without increasing energy usage this winter.”

Find out how to stay warm on a budget this winter.

Community support from Fresh Start

SATURDAY NIGHT SUPPER and ENGLISH CLASSES

FRESH START are running our Saturday Night Supper cook at home programme again for anyone who wishes to learn cooking skills and may have already attended our classes.

These sessions build on the skills learned in class, feel free to share and to sign up by contacting cooking@freshstartweb.org.uk

We also have spaces in our English classes – Beginners and Intermediate, please contact me to sign up: abigail@freshstartweb.org.uk

Please share with your networks!

Edinburgh celebrates the commitment of Living Wage employers

Employers in Edinburgh continue to lead efforts in Scotland to make sure people in work can earn a decent wage that is enough to live on.

The real Living Wage is an independently calculated rate based on the cost of living and is paid voluntarily by employers.  This pay rate is updated every year to make sure hourly pay keeps up with the costs of housing, childcare, transport, and heating costs for workers in Scotland.

Efforts to boost the number of businesses paying the real Living Wage has led to a total of 746 accredited employers in the city. This means that a total of 217,887 employees are covered by a Living Wage commitment.

Figures shared ahead of Living Wage Week 2024 (4 – 12 November) reveal that the Living Wage movement in Edinburgh is continuing to grow. Since October last year, there have been 91 new accreditations in the city, and this has uplifted the pay of 686 staff.

Living Wage week provides an opportunity to reflect on the achievements of the movement to date, and to express gratitude to employers for maintaining their commitment, despite challenging business conditions.

Councillor Jane Meagher, Edinburgh’s Housing, Homelessness and Fair Work Convener, and Co-Chair of Edinburgh Living Wage Action Group, said:Over 80,000 people are living in poverty in Edinburgh and many have been pushed into deprivation because of insecure work. It really can happen to any of us and that is why the Living Wage is such a powerful tool, for making sure people get a fair day’s pay for a fair day’s work.

“In 2024 we’re more determined than ever to work with employers to encourage them to sign up, and it feels like we’re witnessing a real movement. Edinburgh is now home to 20% of Scotland’s Living Wage employers and since October last year more than 90 businesses have signed up. I’d like to express my gratitude to every single one.

“The next few months and years will be critical because we know more Edinburgh-based businesses want to help tackle low pay and insecure work, but that they are under increasing pressure.

“So, as the rate of the Scottish Living Wage rises to £12.60 an hour, the events hosted here in Edinburgh and across the country provide an opportunity to showcase how far we’ve come, while acknowledging that more work is needed.”

Kat Brogan, Managing Director of Mercat Tours and Co-Chair of the Edinburgh Living Wage Action Group commented:In Edinburgh, the Living Wage movement has continued to grow.

“This is a massive achievement for the city, particularly as many employers are facing difficult circumstances with rising business costs. In this context, committing to the real Living Wage can seem daunting. Yet, it is more important than ever.

“It is not only the cost of business that is rising; the cost of living is also on the up. More and more workers are struggling to keep up with this and are finding themselves unable to afford necessities like food and heating.

“By accrediting as Living Wage employers, organisations are doing their bit to support their employees and to reduce levels of in-work poverty.”

Poverty and Equality Commission produces Workshop Report

As part of its approach to the Commission’s 2023-24 scrutiny of the Scottish Government’s progress in reducing child poverty, the Poverty and Inequality Commission wanted to hear from parents and carers who were a member of the Scottish Government’s ‘priority family types’. These are households types who are at greater risk of poverty.

The Commission worked with eight organisations to organise workshop discussions (and in one case a survey) to gather parent and carer participant views on:

  • What policies to reduce child poverty they were aware of
  • How well they felt policies were working
  • What else they felt was needed to reduce child poverty

This report summarises the views of participants on the three topics above, expanding on the material the Commission published earlier in 2024 as part of its 2023-24 child poverty scrutiny.

The Commission is very grateful to all the participants in our workshops who took time to discuss these issues, and the organisations who we worked with to arrange them.

Download: Report of workshops with priority families in Scotland and their ideas to reduce child poverty (pdf, 422kb)

Budget: Charities unite in call to scrap two child limit

UK Government must scrap the unfair two-child limit at the Budget, say leading children’s charities

Since the Labour party took office on 4th July, and by the time the Budget is announced, a staggering 12,500* children have been plunged into poverty due to the two-child limit on benefit payments. This shocking surge adds to the 1.6 million children already suffering under this unnecessary policy.

Leading children’s charities (the End Child Poverty Coalition, Save the Children, Action for Children, Child Poverty Action Group (CPAG), Centre for Young Lives, Gingerbread, Barnardo’s and the National Children’s Bureau) have joined together to call on the government to include scrapping the two-child limit in the Budget on 30th October. Two of these organisations, Save the Children and CPAG, are also assisting the government with evidence gathering ahead of the publication of the Child Poverty Strategy in Spring 2025.**

These charities are supported by the 120 members of the End Child Poverty Coalition, an alliance of national, regional and local anti-poverty organisations, united in the view that child poverty in the UK can be addressed via government action.

Joseph Howes, CEO of Buttle UK and Chair of the End Child Poverty Coalition said:The two-child limit must be scrapped: children cannot wait any longer for government action.

“We don’t say only two children in a family can go to school, or that the third sibling cannot receive hospital treatment, so why do we limit benefit payments to only two children? By scrapping this policy, this government would be recognised as one that turns the tide on rising levels of child poverty across the UK’.

Victoria Benson, CEO of Gingerbread said: ‘Scrapping the two-child limit is a quick and cost-effective way to lift children out of poverty and it’s disappointing that our Government hasn’t committed to doing this.

“The majority of families hit by the two-child limit are single parent families who are already almost twice as likely to be living in poverty, compared to couple parent families.

“There is no doubt it is a cruel policy that has done little to meet its aim of increasing employment levels and yet it has left hundreds of thousands of single parent households in poverty. 

“If our Government wants to tackle child poverty it must scrap the two child limit as soon as possible.’

Becca Lyon, Head of Child Poverty for Save the Children UK, said: ‘The time for action on the two-child limit to benefits is now and the UK Government must scrap this cruel policy.

“Children cannot wait any longer to receive the same amount of money as their siblings. Our society should be one where being born after your siblings shouldn’t exclude you from support. These are political choices, and the Budget is a chance for the UK Government to right the record for thousands of children.” 

The two-child limit to benefit payments is an unfair policy which limits the amount of money families in receipt of social security payments receive for the third or subsequent child born after April 2017. Families affected by it miss out on up to £3455 per child per year.

The policy pushes families into poverty. Recent analysis published by CPAG has shown that for every day this policy remains in place, 109 children are being pulled into poverty.* End Child Poverty Coalition analysis has shown there is a strong positive correlation between child poverty figures and the number of children living in families impacted by the two-child limit.***

Unless this issue is urgently addressed, the government’s upcoming Child Poverty Strategy will fall short of delivering meaningful change. Lifting the two-child limit is a critical step towards to halting the harmful cycle of deprivation and despair.

Children can no longer wait for change. The ‘sibling tax’ must be scrapped.

*More information on the government’s plans to engage on the Preventing Child Poverty Strategy here: https://www.gov.uk/government/publications/tackling-child-poverty-developing-our-strategy

**109 children a day are pulled into poverty by this policy every day, research has found https://cpag.org.uk/news/10000-children-dragged-poverty-two-child-limit-labour-took-office

*** More information on this research can be found here: https://endchildpoverty.org.uk/child-poverty-2024/

Today we have signed a joint statement with:

@CPAGUK

@ncbtweets

@Gingerbread

@savechildrenuk

@actnforchildren

@CfYoungLives

@barnardos

calling for @RachelReevesMP to scrap the 2-child limit in the #Budget on Wednesday.

This is also supported by 120+members of @EndChildPoverty