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
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Funding of £10 million to create more specially equipped toilets
Around 150 additional community toilet facilities for people with complex disabilities and health conditions will be created across the country thanks to £10 million Scottish Government funding over the next two years.
There are currently around 270 of the specially equipped facilities, known as Changing Places Toilets, in Scotland. This is an increase of 30% since 2019 when new legislation required these spaces to be included in large new buildings with public access.
Changing Places Toilets (CPT) offer a vital facility for people with disabilities and their families and carers whose needs cannot be met through standard accessible toilet provision.
We visited @gsc1 to hear from Jill and Laura about how CPT impacts their lives.
Mental Wellbeing and Social Care Minister Maree Todd said: “Access to toilet facilities is a fundamental human right. “This £10 million investment in Changing Places Toilets will make a huge difference to thousands of disabled people and their families and carers as it will enable them to participate fully in society and access community resources – things which most of us take for granted.
“The Fund will be open to all communities in Scotland and will prioritise areas which do not currently have adequate provision.
“Support from local bodies has been, and will continue to be, central to driving this work forward, and we look forward to receiving applications from all over Scotland when the Fund opens in the summer.”
Jill Clark, a Glasgow-based Changing Places Toilets user said: “It is really important to have changing places toilets across Scotland because it lets people like myself lead a normal life without worrying about getting access to a toilet everywhere we go!”
PAMIS (Promoting a more inclusive society) CEO Jenny Miller said: ““PAMIS is delighted that this fund is progressing.
“It is vital that we ensure that those who need this life changing resource and those who are keen to develop inclusive venues and services are involved in shaping the fund.
“Your insights are key, and we know that for the community PAMIS supports, those with a profound learning and multiple disabilities, the fund will make a huge difference to their inclusion within communities across Scotland.”
One Parent Families Scotland and Social Security Scotland link-up
Thousands of single parents are being offered a helping hand on National Single Parents Day (21 March), thanks to a link-up between One Parent Families Scotland and Social Security Scotland.
While 25% of children in Scotland live in poverty, the figure is much higher, 40%, for children in single parent families. A quarter of all the families with dependent children are single parent households.
Working together as part of One Parent Families Scotland’s “Single Parent Community” Campaign, both organisations are working to highlight the support that is available to eligible parents and carers. including Scottish Child Payment, Best Start Foods and Best Start Grant.
Scottish Child Payment, Best Start Foods and the Best Start Grant aim to give children the best start in life. They offer financial support to families, both in and out of work, who receive certain benefits and tax credits.
Best Start Grant consists of three payments designed to provide support at key stages in a child’s life: Pregnancy and Baby Payment, Early Learning Payment and School Age Payment.
Scottish Child Payment, unique to Scotland, is payable to eligible families in receipt of Universal Credit or certain other qualifying reserved benefits, for children aged under-16. Unlike the UK Government there is no limit to the number of children a family can receive the payment for
Social Justice Secretary Shirley-Anne Somerville said: “All parents know that bringing up children can be hard work – and doing so as a single parent household can be even more so. So I’m proud of the support that the Scottish Government offers single parent families.
“A report from the Fraser of Allander Institute, about health inequalities in Scotland, highlighted that single parents are much more likely to experience food insecurity than other household types. In stark terms food insecurity is when a person doesn’t have reliable access to enough affordable, nutritious, healthy food.
“That is why the support the Scottish Government provides is so crucial, especially for single parent families. Since it was introduced in August 2019, £65.6million has been paid in Best Start Foods to provide exactly the nutritious, healthy food children need.
“And over £1 billion worth of Scottish Child payments have been issued by 31 December 2024; putting money directly into the pockets of those families who need it most.”
Chief Executive of OPFS, Satwat Rehman said: “For too many single parents, the challenge of making ends meet is a daily struggle.
“With 38% of children in single parent families living in poverty, financial support like Scottish Child Payment and Best Start Grants can be life-changing.
These payments put money directly into the hands of families who need it most, helping to ease the pressure of rising costs and ensuring children have the essentials they deserve.
“One Parent Families Scotland is proud to work alongside Social Security Scotland to make sure single parents know about and can access the support they are entitled to.
Case Study
Sarah, a single mum of two, had been struggling to keep up with the rising cost of living. Every week, she worried about how she would stretch her budget to cover food, bills, and other essentials. When she reached out to One Parent Families Scotland Glasgow, she had no idea she was missing out on vital support.
During a benefit check with a One Parent Families Scotland adviser, Sarah discovered she was entitled to the Best Start Foods card—and even more incredibly, it had over £650 in unclaimed credit waiting for her.
“I was completely shocked! I had no idea that money was there. I kept thinking about all the times I had struggled to afford the basics and worried about how I’d manage. If I’d known about this sooner, it could have saved me so much stress. It’s a massive help and has given me some much-needed breathing space.
“This has made such a huge difference to my life. Instead of panicking at the checkout or having to put things back, I can actually do a proper food shop. I can buy the things my kids like and need without feeling guilty or stressed about every penny. It’s lifted such a weight off my shoulders.”
Support from One Parent Families Scotland, has not only allowed Sarah to access the financial support she was entitled to but also to gain peace of mind knowing she has extra help when she needs it.
Carers in full and part-time education could be entitled to over £4,900 a year in financial support from Social Security Scotland.
It is estimated that there are over 30,000 students at college or university in Scotland providing unpaid care for a family member, friend or neighbour. Research from Carers Trust Scotland shows student carers are four times more likely to drop out of their studies with a key reason being financial struggles.
Together, Carer Support Payment and Carer’s Allowance Supplement could provide over £4,900 a year to unpaid carers.
Carer Support Payment replaces Carer’s Allowance in Scotland, which was delivered by the UK’s Department for Work and Pensions (DWP). Unlike its predecessor, Carer Support Payment is available to many student carers in full-time education.
Carer’s Allowance Supplement, only available in Scotland, is paid twice a year to people receiving Carer Support Payment or Carer’s Allowance.
Students aged 16, 17 or 18 may be able to get Young Carer Grant if they aren’t eligible for Carer Support Payment.
Speaking to student carers and staff at Edinburgh College yesterday (Wednesday 19 March), Social Justice Secretary, Shirley-Anne Somerville, said: “We worked with carers and support organisations in designing Carer Support Payment to ensure it worked better for the people who receive it. Extending Carer Support Payment to more carers in education is an example of doing just that.
“I recognise the challenges many students face juggling their studies with caring responsibilities and hope the increased support available provides additional financial security and helps them to complete their course.”
Anna Vogt, Assistant Principal Student Experience at Edinburgh College said: “We are committed to supporting our student carers to be able to come to Edinburgh College and achieve their educational ambitions.
“We do this by individualising support for carers, engaging with carer organisations in our region and by designing systems that acknowledge our students have responsibilities and communities outside of college.
“Colleges change lives and we are pleased that this new benefit will support more carers to think about becoming a student at any institution across Scotland.”
Josh, a student at Edinburgh College, added: “The support from Edinburgh College has made a real difference to me and is very different from the support I received at school. It has been particularly helpful to be linked up with my local carer’s association – I didn’t know about them. Now I know about this new benefit, I’m going to explore a bit more about it.”
The £4,900 a year calculation is based on a carer receiving a full year entitlement for Carer Support Payment (52 weeks) and Carer’s Allowance Supplement (a payment in June and then in December) at the 2025-26 rates coming into effect from 1 April 2025.
State of Caring in Scotland 2024: Health and social care support for unpaid carers
36% of unpaid carers reported their mental health as ‘bad or very bad’– a 29% increase in 12 months.
65% stated they need more support with their health and wellbeing.
56% often or always feel overwhelmed by their caring role.
59% said that support services were not there when they needed them.
80% have been unable to take a break because of a lack of support from social services.
There is a growing mental health crisis in Scotland’s unpaid carer population – this is the message from Carers Scotland in ‘State of Caring in Scotland 2024: Health and social care support for unpaid carers’.
This new research, based on a survey of over 1,700 unpaid carers in Scotland, saw a 29% increase in the last 12 months of the number of unpaid carers who reported their mental health as “bad or very bad” – 36% of respondents in 2024, compared to 28% in 2023.
This statistic was even more severe when a carer reported struggling financially, with 59% of carers who are struggling to make ends meet saying they had “bad or very bad” mental health. 28% of respondents also rated their physical health as “bad or very bad”, with this number rising to 49% among carers struggling to make ends meet.
80% of unpaid carers from the research stated that the main challenge they will face over the next year is the impact of caring on their physical and/or mental health.
These new findings show that unpaid carers are not receiving the support they need to maintain their health and wellbeing whilst managing their caring responsibilities. More support with health and wellbeing was the number one need cited by unpaid carers in the research, with long waiting times for appointments, inflexible GP appointment systems, and insufficient replacement care all highlighted as barriers to support.
Another challenge is the inability of many unpaid carers to take a physical and mental break from their caring role. Taking a break from caring is essential for carers to recharge, spend time with family and friends, and engage with their own hobbies and interests to improve their wellbeing. However, 63% of carers who stated in the research that they felt overwhelmed in their caring role said that this was due to them not having a break from caring.
Richard Meade from Carers Scotland said: “Unpaid carers in Scotland are in a mental and physical health crisis, which only threatens to get worse without immediate action.
“Unpaid carers continue to bear the weight of an overstretched health and social care system as they are increasingly expected to fill the growing gaps in service provision without increased support for themselves.
“Whilst the Scottish Government has focused on reducing NHS waiting lists, improving hospital discharge delays and access to essential health services there still remains an urgent need for investment in social care and support for unpaid carers.
“Unpaid carers provide the equivalent of £15.9bn in health and social care support and without them the system would collapse, yet they receive a fraction of the support they need.
“The stalled National Care Service provided hope for many unpaid carers that things could change. However, many feel their needs have been lost to a wider political debate and little has changed to improve their lives.
“The Scottish Government, the NHS, and local councils must act now to ensure that carers can access the support they need to continue to care without such devastating consequences to their physical and mental health.”
The monetary value of the contribution of unpaid carers in Scotland estimated at £15.9 billion(1) a year. Despite this, unpaid carers face deteriorating physical and mental health, loneliness and isolation, with too many driven to despair and unable to access to the supports they need to maintain a healthy life.
Carers Scotland has included a range of recommendations alongside this research for the Scottish Government, NHS Boards and Health and Social Care Partnerships to ensure all unpaid carers get the support they need to look after their health and wellbeing and receive the right help for caring.
Download and read the report in full at the link below:
Community-led mental health and wellbeing projects are to benefit from £30 million Scottish Government funding over the next two years.
The Communities Mental Health and Wellbeing Fund for Adults – first launched in 2021 – supports local groups to deliver programmes for adults which build resilience and tackle social isolation, loneliness and mental health inequalities. It is expected the Fund will open to applications this Autumn.
In the first three years around 4,800 grants were made to a wide range of grassroots community projects focused on connecting people and providing peer support through activities such as sport, outdoor activities, and the arts.
The charity, Empower Women for Change, has secured grant awards in all rounds of the Fund to date. This year, the group is using its grant to support lone parents, families with a disabled family member, Minority Ethnic families, and young mothers.
Visiting their office in Glasgow Mental Wellbeing Minister Maree Todd said: “I am pleased to meet staff and service users at Empower Women for Change and hear more about the valuable work they do in the community they support. It is inspiring to see first-hand the impact that this funding can have.
“Since the fund was established, we have invested £66 million, reaching a variety of groups supporting those at increased risk of poor mental health and wellbeing – including people facing socio-economic disadvantage, older people and ethnic minority communities.
“I look forward to seeing the positive impact that this further £30 million investment will make to the wellbeing of people and communities across Scotland.”
Empower Women for Change CEO and Founder Asma Abdalla said: “We are delighted and honoured to welcome the Minister Maree Todd to our organisation.The Wellbeing Fund has played a transformative role in improving the lives of our service users of ethnic minority women and girls and our volunteers, members, and staff.
“Through our Inspired Women projects, we have provided vital mental health support, resilience, and community connection, changing lives and strengthening communities. We are looking forward to continuing this work, with support from the Wellbeing Fund.
“We welcome this unique opportunity to share Inspired Women participants’ testimonies, their voices highlight the urgent need for sustained investment in grassroots wellbeing services. Please join us in amplifying their stories and celebrating the power of community-led change.”
Partnership Manager at Glasgow Council for the Voluntary Sector Sheena Arthur said: “We are delighted that the Scottish Government’s Communities Mental Health and Wellbeing Fund is continuing.This fund delivers small grants which make a positive difference and so far, has supported over 900 Third Sector organisations and community groups across Glasgow.
“In increasingly challenging times, the Third Sector plays a crucial role. This fund enables the development of existing projects as well as emerging ideas from the community. It helps to bring people together- contributing to better health and wellbeing of people and families, strengthening social connections and tackling inequality and poverty.”
Number of people on the highest rate of Universal Credit with no support to look for work has almost quadrupled since the Covid pandemic
Figures show 1.8 million people now in Limited Capability for Work Related Activity (LCWRA) category as broken Work Capability Assessment continues to push people out of work
New figures emerge ahead of proposals to reform health and disability benefits and builds on the plan to get Britain working
1.8 million people on Universal Credit are getting no support to find work, according to new data released yesterday (Thursday 13 March).
The number has almost quadrupled since the start of the pandemic when 360,000 people were considered too sick to look for work – a 383% rise in less than five years. In the last year alone, the number has risen by from 1.4 million people to 1.8 million.
The number of young people aged 16 to 24 on LCWRA has risen by 249% from 46,000 to 160,000 since the pandemic – demonstrating a worrying increase in the number people becoming trapped in inactivity early in life, with almost one million young people not in education, employment, or training.
The government is already taking action to get people into work through its plan to get Britain working which will empower local mayors to tackle economic inactivity, overhaul Jobcentres, and deliver a Youth Guarantee so every young person is either earning or learning.
Building on the biggest employment reforms for a generation, Liz Kendall is due to announce radical welfare reforms to create a thriving and inclusive labour market – as part of the government’s Plan for Change to unlock work, boost growth and raise living standards.
Work and Pensions Secretary, Rt Hon. Liz Kendall MP, said: “Millions of people have been locked out of work by a failing welfare system which abandons people – when we know there are at least 200,000 people who want to work, and are crying out for the right support and a fair chance.
“This government is determined to fix the broken benefits system we inherited so it genuinely supports people, unlocks work, boosts living standards while putting the welfare bill on a more sustainable footing.”
In the current dysfunctional system, a person is placed in binary categories of either “fit for work” or “not fit for work” through the Work Capability Assessment (WCA) – an assessment the government has said it will either reform or replace, so it no longer drives people who want to work to a life on benefits.
Through this process, those not fit for work are told they have Limited Capability for Work Related Activity (LCWRA) – meaning they won’t receive employment support or further engagement from the system at any point following their assessment – effectively abandoning and locking them out of work indefinitely.
The current system, in which people 25 and over on the standard rate of UC get £393.45 a month and those with a health condition get an additional £416.19, gives an incentive for people to say they can’t work – and get locked out of help and support – simply to get by financially.
Over the past five years, 67% of people on Universal Credit who have been through a WCA were considered LCWRA – a symptom of the assessment system pushing people to prove their inability to work for a more generous payout.
The government says it has hit the ground running to tackle health-related inactivity at its root, improving the country’s wellness by investing £26 billion in the NHS, delivering 2 million extra appointments to tackle medical waiting lists, and hiring an extra 8,500 mental health workers, so people get the treatment they need to stay healthy and in work.
This comes alongside the £250 million plan to get Britain working and the recently announced 1,000 Work Coaches will be redeployed to offer intensive employment support to around 65,000 sick and disabled people – a ‘downpayment’ on our plan to restore fairness to our welfare system.
Junior school Children at @george_heriots_school once again chose ESUB to benefit from their Non-Uniform Day fundraiser which went ahead on Friday 7th February.
They raised an incredible £656.50 which will go a long way to support our work around Edinburgh.
Proposed regulations to support next phase of rollout
Families could get quicker access to free school meals under proposed new regulations laid at Holyrood.
If agreed by MSPs, the regulations would see Social Security Scotland given new powers, allowing them to share Scottish Child Payment data with local authorities. This would allow councils to ensure eligible pupils receive their free school meals.
The latest phase of the free school meals programme will include all pupils in receipt of the Scottish Child Payment in Primaries 6 to 7 and S1-S3 in eight local authority areas.
Education Secretary Jenny Gilruth said: “Free school meals are a crucial element of the Scottish Government’s ambition to eradicate child poverty, and the provision is currently available to over 273,000 pupils across Scotland, saving families who take up the offer around £400 per child per year.
“The next phase of the rollout will significantly build upon this, with an additional 25,000 pupils being able to benefit from this vital provision. Through further support for data sharing, local authorities will be able to more quickly identify those eligible for this next phase.
“That is why we have proposed these changes to streamline the process to help more families and remove any administrative burden for local authorities. I would encourage members of the Committee to back these proposals to ensure more families can easily access the support they need.”
Holyrood’s Education, Children and Young People Committee will vote on the regulations on Wednesday 2 April. If approved, they will come into effect from 19 May 2025.
Thank you all so much for your continued support
