support – Page 20 – The NEN – North Edinburgh News

Citizens Advice sees surge in young adults needing help with managing money as cost-of-living pressures soar

New research shows nine in ten (90%) under 25s feel uncomfortable discussing finances
“We’re here to help”: charity reveals the number of young people needing support with managing money has doubled since 2019
Citizens Advice to place 6m-tall elephant in Manchester city centre to address the ‘elephant in the room’ and encourage young people to talk about their money troubles

The number of young people needing help with managing money has doubled since 2019, Citizens Advice has reported. The charity, which supported 66,000 under 25s last year alone, says one in five (20%) young adults seeking its advice need help with debt.

Citizens Advice warns many young people are feeling particularly squeezed by the cost-of-living crisis as they face a triple whammy of soaring living costs, rising private rents and high inflation. The charity is helping record numbers of people amid rising financial pressures.

Despite this, the vast majority of young adults still feel uncomfortable discussing finances. According to the charity’s new research, nine in ten (90%) under 25s shy away from such conversations, and would rather talk about sensitive topics like health issues, politics or religion instead of money.

To address this ‘elephant in the room’, Citizens Advice has placed a giant 6-metre-tall inflatable elephant in Manchester city centre, aiming to create a talking point and encourage young adults to open up about their finances and seek support.

The elephant is being displayed in Exchange Square, by Manchester Victoria Station, on Saturday 17 February to try to break the silence young people experience when it comes to talking about money and raise awareness of the support Citizens Advice can offer. Staff and volunteers from the charity will be on the ground in Manchester to help answer questions from the public and give advice and support on money troubles.

The elephant’s colourful, money-related pattern has been designed by India Buxton, a Fine Art student at the University of Salford, who was commissioned by Citizens Advice after winning its competition.

India, who received £500 prize money, said: “It feels fantastic to win the competition. Many young people, myself included, are in the dark about finances and don’t know where to start, or who to ask for help. It can feel like an embarrassing conversation, but it’s so important to do it, and hopefully this artwork will help get people talking.”

In the Citizens Advice study, embarrassment was listed as the top reason why young adults feel uncomfortable discussing money, followed by the fear of comparison.

The top five reasons why young people feel uncomfortable talking about finances are:

Feeling embarrassed of their financial situation (35%)
Feeling worried how their finances compare to others (31%)
It’s too personal a topic to talk about (18%)
Not wanting the other person to feel uncomfortable in the conversation (15%)
Not knowing enough about finances to talk about the topic confidently (12%)

Jack, 24 from Derby, is in his first graduate job after finishing university and has around £2,000 in debt, mostly due to late payments on utility and council tax bills. He would love to pay off his debts and start saving, but is currently living “pay cheque to pay cheque”, as the cost of living crisis makes it even more challenging for him to manage his money.

Jack finds conversations about money difficult, but knows that avoiding the topic isn’t helping his financial situation.

Jack says: “My finances are not in a good position, and I feel terrible about it. My debt is going down gradually, but I don’t think it’s ever going to hit zero.

“I’d feel more comfortable talking about money if I had a clue what’s going on, but I don’t like discussing it. Even though I know that talking to people who have had similar experiences to me would probably do me the world of good, I still won’t do it, because it’s awkward and stressful.

“I’ve actually straight-up lied to avoid talking about my financial situation. For example, I didn’t have the heart to tell my flatmate that I couldn’t afford to go halves on a rental deposit, so I talked them into a zero-deposit option, even though I knew it put us in a worse position in the long term. It made me feel like a failure.

“A massive part of the problem is the cost of living. Everyone says, ‘Make a budget plan and stick to it.’ I would, but if my bills are going up by £100 every two months, where is the extra money going to come from?

“I fully think that my financial situation has been affected by not knowing where to get good advice. If I’d just spoken to someone and explained my current situation, they might have been able to tell me what to do.”

Rosi Avis, Partnership and Communication Lead at Citizens Advice Manchester, says: “All of us can struggle to find the words when it comes to talking about our finances. And we know young people are really feeling the pinch with rising costs and sky-high rents.

“At Citizens Advice we help thousands of people find a way forward every day. So whether it’s a dodgy landlord, a retailer who’s refusing to give you a refund, or help with credit card debt, we can support you.

“The most important first step is to speak to someone about your worries: whether it’s a family member, a mate or one of our trained advisers. We’re here to help and make you feel less alone.”

To support young people to feel more comfortable discussing finances, Citizens Advice has created an expert guide here:

https://wearecitizensadvice.org.uk/elephant-savings-your-starter-guide-to-talking-about-money-6fef0d8f4b6d

Supporting women out of prostitution

National hub will offer joined-up services

A national hub is to be created to support women out of prostitution.

A pilot of the hub will begin in summer followed by a phased national roll out. The hub will bring together specialist services which support women affected by commercial sexual exploitation (CSE) – linking them more closely with local mainstream services, such as housing, health and social security.

The national hub is part of a new strategy to support women to safely exit from prostitution and challenge men’s demand for prostitution. The strategy also includes actions to tackle stigma for those with experience of prostitution and challenge the normalisation of men purchasing sex.

Victims and Community Safety Minister Siobhian Brown said: “Prostitution is recognised as a form of violence against women and girls, and is exploitation. By linking mainstream and specialist services, we will make it easier for women to access the support they need so they can sustainably exit from prostitution.

“A key part of our new strategy is the need to tackle the drivers of commercial sexual exploitation, including social and economic inequalities and the need for collective leadership from government, the third sector and beyond to tackle these. A new multi-agency group on commercial sexual exploitation will be established in March to help progress this work.”

Linda Thompson, national co-ordinator of the Women’s Support Project (WSP), said: “The WSP is pleased to see the Scottish Government reiterate that commercial sexual exploitation in all forms is violence against women and that those exploited must have robust comprehensive support and exiting services across the country.

“We hope that national and local leadership, with commitment, partnerships and specific resources, will disrupt this industry and hold to account all those who benefit and profit from the exploitation of inequality and vulnerability.”

The hub will be rolled out in a phased approach across the following areas:

Edinburgh and Borders
Highland, Perth & Kinross, Aberdeen and Dundee
Glasgow and Ayrshire

Following this roll out, the Hub will provide a network of support where organisations across Scotland can seek advice.

The new strategy has been informed by a range of partners, including those with experience of prostitution.

Information on support for those affected by commercial sexual exploitation

St Columba’s: Supporting your child in grief

THURSDAY 8th FEBRUARY at 11am

Our next ‘Supporting your child in grief’ session takes place on Thursday 8th February at 11am.

The session offers an opportunity for you to join other parents and carers to talk, share feelings and connect with one another. You can simply say it how it is, seek advice and hopefully pick up some tips from each other.

Free digital support helpline provided by People Know How

The Connecting Scotland Helpline provides digital support to anyone in Scotland. It is free to call and is open from Monday to Friday, 10am to 4pm.

Anyone can call this freephone number and receive support and advice on topics including:

Using devices like smartphones, tablets, laptops or desktop computers
Connecting to the internet
Navigating the web and social media
Completing everyday tasks online
Connecting with the community, family and friends
Managing finances, paying bills and saving money online
Reducing costs (energy, data plans, shopping, etc.)
Finding opportunities for education and employment
Feeling less isolated and having someone to talk to

The helpline is run by charity People Know How, in partnership with the Scottish Government and the Scottish Council for Voluntary Organisations (SCVO). It forms part of the charity’s Reconnect service, which aims to improve digital inclusion across Scotland.

Part of the wider Connecting Scotland scheme set up during the pandemic, the helpline was set up to support those who received devices as part of that programme. It has since been expanded to help anyone in Scotland who needs digital support, regardless of whether they interacted with the original scheme.

“Thank goodness for Connecting Scotland…We felt we were living in the 19th century; now we’ve joined the 21st century, and we’re enjoying every moment of it!” – Greta & Heidi, helpline callers

The charity has supported thousands of people through the helpline.

Sisters Greta and Heidi received iPads that made their life in a rural part of Scotland much easier, with continual support from the helpline that allowed them do things like order food and essentials to their home instead of making the 60-mile round trip to the nearest shop.

David was able to solve connectivity issues after recently moving to Scotland, allowing him to apply for local college courses and build his skills as he supports his family.

Mary still calls in regularly for advice after the team supported her to regain access to her iPad, which is vital in her life to access medicine and food and to communicate with friends and family.

Rachel eased her worries online and improved her knowledge of online safety, learning about spotting spam emails and identifying trustworthy websites.

The helpline is available to anyone who needs it, whether you’re an individual in need of advice, or a support worker or community organisation looking for a helpful resource to refer those you support to.

Call the helpline today for free digital support and advice: 0800 0 590 690

Find out more at: https://peopleknowhow.org/reconnect/#connecting-scotland

Two in five parents in Scotland worried about impact of mental health on family, NSPCC finds

New survey reveals three in four (75%) UK parents with children under five are anxious about their child’s emotional and mental wellbeing.
Contacts to the NSPCC Helpline from UK adults with concerns about children’s mental health increased by 21% last year.
Majority of UK parents (57%) think parenting is harder now that it was when they were growing up.
Supported by TV presenter and author, Anna Williamson, and actor T’Nia Miller, NSPCC launches refreshed online parenting advice and TV ad campaign to help improve access to easy-to-understand advice for families, parents, and carers.

More than 40% of parents in Scotland said they were worried about the impact of mental health on their family, a new survey commissioned by the NSPCC has revealed.

The survey reveals top parenting concerns across the UK with issues such as mental health, bullying and social media use ranking highly.

It comes as the NSPCC launches a new campaign and refreshed advice for parents to help with many of the everyday challenges they face when raising children.

Across the UK, the issue that parents of children and babies aged five and under were most likely to be concerned about was their child’s emotional wellbeing and/or mental health, with 75% saying it was a worry. More than two thirds (67%) also cited learning development as a cause for concern.

For parents of six to 11-year-olds, 56% said they were anxious about their child’s mental health and 47% of parents of children between 12 – 17 also expressed the same concern.

The charity has also revealed that contacts to its helpline from UK adults with concerns about children’s mental health increased by a fifth last year.

Between April 2023 and December 2023, the NSPCC Helpline dealt with 2,499 child welfare contacts about child mental and emotional health. This is a 21% increase compared to the same time frame in 2022.

These statistics show that children’s emotional and mental wellbeing is especially worrying for parents with children under 5. Parents with very young children are thirsty for information about infant mental health and support with early childhood development which is why it is so important that free, expert advice is available online.

Everyone has a role to play to look after each other and keep children safe. From members of the community supporting families in their area, to local services and governments across the UK offering crucial support for new parents.

The NSPCC knows that being a parent is not easy. In fact, most parents across the UK (57%) said that parenting is harder now than when they were children. Many parents say they do not always know where to go for expert support, with half (53%) relying on advice from family members and two in five (41%) relying on friends.

That is why the charity wants all parents to know that everyone has options, and the NSPCC is always there when it comes to helping keep children safe and healthy on the phone and online.

The survey also revealed that more than twice as many parents across the UK think growing up is harder for girls than boys.

The new campaign, supported by TV presenter and author Anna Williamson, focusses on the NSPCC’s refreshed parenting pages on its website which help make the expertise and guidance they offer at every stage of parenting more accessible and user-friendly.

Available here is advice about babies and toddlers, family life, friends and relationships, health and wellbeing or navigating the digital world.

NSPCC Ambassador Anna Williamson said: “We live in a world where parents feel more anxious than ever which is why I’m so proud to support this campaign that is all about giving them free, non-judgement expert advice.

“As a mum myself, I too have worried about the impact of things like bullying, mental wellbeing and social media on my children so it’s great to see charities like the NSPCC taking positive steps to help give parents the tools they need to navigate tricky topics together.”

Actor and Director, Samantha Morton said: “Parents feel so much pressure to get things ‘right’ for their children – but parenting doesn’t look the same for everyone.

“It’s concerning to see that many parents don’t know where to turn for expert advice which is why I’m keen to support the NSPCC’ new campaign to give straightforward tips and help for every stage of parenting.”

The NSPCC has also launched a national TV ad campaign, in which actor T’Nia Miller, star of Years and Years, The Haunting of Bly Manor and Sex Education, reads a poem all about the many anxieties of parenthood.

The 60 second video is called ‘Not Letting Go’ and includes a graphic series of stills and animations from award-winning artist Martina Lang.

T’Nia Miller said: “It was such an honour to be a very small part of the really important work that the NSPCC does.

“When I first read the poem I was so moved and as a parent of two I related in many ways. Parenting isn’t easy. It’s the hardest job on earth – so it’s important that we start with parents so that children can grow and flourish.”

Sir Peter Wanless, CEO at the NSPCC, said: “Parents and carers tell us that raising their families is becoming increasingly difficult. With a cost-of-living crisis, new online threats to children and increasing mental health concerns among young people, there are a rising number of challenges in childhood today.

“We know that parents can be a vital positive influence in young children’s lives. I hope that our advice will help provide easy to understand support and help parents feel less anxious as they navigate family life.

“Don’t hesitate to ask for help if you are worried about a child or your ability to help. We must all work together to ensure that our children have happy and healthy futures.”

Free NSPCC parenting advice is only a click away and is designed to help families feel empowered to support their children before problems escalate. Visit it now on the NSPCC website.

My Name’5 Doddie Foundation grants £50,000 to help people with MND

MND Scotland has received £50,000 from My Name’5 Doddie Foundation to support people with MND across Scotland with the cost of living.

The money will be distributed by MND Scotland as a one-off cost of living support payment up to the value of £350.

Since 2018, the Foundation has committed a total of £480,000 to MND Scotland to further its work supporting people affected by the disease in Scotland.

Rachel Maitland, MND Scotland’s Chief Executive, said: “This one-off payment will be welcome news and we’re proud to partner with My Name’5 Doddie Foundation to deliver this additional financial support directly to the people who need it most.

“A diagnosis of MND can bring with it a financial strain so the current cost of living crisis may disproportionately impact those with the disease. This money will therefore provide extra help to people living with MND who may be struggling with household bills or the cost of food shopping at the current time.”

Jill Douglas, CEO of the My Name’5 Doddie Foundation, said: “We’re acutely aware of the impact that MND has on those living with the disease and their families. For many, the rising cost of living will make an already terrible diagnosis even more distressing.

“One of My Name’5 Doddie Foundation’s core pillars is ‘support’ and we’re proud to work with our friends at MND Scotland to provide assistance to those living with MND. These grants are made possible because of our brilliant supporters and thanks must go to them for their efforts.”

Fear of theft and violence putting a strain on tradespeople with more than nine in 10 targeted by criminals

More than nine in 10 tradespeople say they or someone they know have been victims of theft
Research shows 88% of those surveyed are concerned about the ongoing issue
Almost a third of tradespeople admit the fear of theft contributes to negative mental health
60% in the industry do not believe mental health is spoken about openly
NFU Mutual is a proud supporter of Samaritans, whose volunteers offer emotional support to anyone who is struggling

More than nine in 10 tradespeople have been targeted by criminals as the fear of theft and violence puts a strain on the industry, alarming stats reveal.

New research* from commercial insurer NFU Mutual found that more than nine in 10 tradespeople (92%) say they or someone they know have been a victim of theft.

In the last 12 months alone, 53% of those surveyed said they had experienced tool or equipment theft, just shy of half had materials pinched, almost three in 10 had a vehicle stolen and 23% were victims of organised crime.

And those figures clearly weigh heavily on those in the industry, with almost a third of tradespeople (29%) admitting that the fear of theft and violence on their business contributes towards difficulties with mental health.

The rising cost of living (42%), financial worries (41%), stress of the job (39%), long hours (35%) and a lack of regular work (33%) were the other factors.

With almost nine in 10 tradespeople concerned about the threat of their equipment being stolen, NFU Mutual is urging workers to remain vigilant.

Zoe Knight, Commercial Specialist at NFU Mutual, said: “Theft of tradespeople’s tools or equipment continues to blight the industry and the fact 92% of people surveyed say they – or someone they know – have been a victim speaks volumes.

“Tradespeople rely on this equipment for their income and livelihood, with crime hitting not just their pocket but, as our research shows, also having a huge and negative impact on their mental health.

“To see a third of tradespeople fearing theft or violence in their day-to-day job is worrying and we would urge tradespeople to do all they can to offput the threat of that happening – via security measures and recording serial numbers of equipment.

“We want tradespeople to feel supported and protected should the worst happen and know there is also help available for those struggling.”

A report by Builders Merchants News* revealed in December that texts to a construction charity helpline had seen an increase of 105% after the launch of an initiative to take the mental health message across the UK.

That could pave the way for more open conversations, with NFU Mutual’s survey showing that more than half of respondents believe that mental health isn’t spoken about openly in the trades industry.

While more than three-quarters of tradespeople did say they were confident or fairly confident they would know where to go for support if they were struggling, worryingly, almost four in 10 (36%) said it is unlikely they would seek help if they had mental health problems.

Commercial insurer NFU Mutual is a proud supporter of Samaritans, a charity which offers round the clock emotional support to anyone struggling to cope.

Jason Jaspal, Assistant Director of Business Development at Samaritans, added: “Samaritans offers a listening ear and a safe space to share how you’re feeling 24 hours a day, 365 days a year.

“It’s vital that tradespeople reach out for support when they are finding life tough, rather than letting things build up and potentially reaching a crisis point. It doesn’t matter what they’re finding challenging, Samaritans is here so they don’t have to face things alone.”

NFU Mutual Risk Management Services is sharing the following advice to tradespeople:

Minimise storage of tools and equipment in vans: a robust, lockable building is preferable. Consider intruder alarms for high value equipment.
If you have to leave tools and equipment in a van, make sure it’s alarmed and, as a minimum, park against a wall so that doors cannot be opened easily.
Don’t make it easy for thieves to guess that equipment is kept inside (a van or a building) e.g. by leaving items on display and leaving tools around which may assist an intruder.
Store portable items within a robust, lockable store that is fixed in place.
Restrict and control vehicular access to the work site.
Consider video security system (temporary systems and temporary intruder alarm systems are available for site use).
Security mark your tools and equipment (e.g. forensic, engraving or permanent marking) to deter thieves and aid recovery.
Don’t stockpile high value materials such as lead and copper or leave them around for longer than necessary.
For construction vehicles use CESAR marking, tracking and immobilisation to prevent and trace thieves.
Check all locks and security measures before leaving any site e.g. alarms switched on, cameras facing the right direction and security lights working.

For quality trades insurance to suit all sizes, search NFU Mutual Builders and Trades Insurance at www.nfumutual.co.uk/trades-insurance/.

For more information about Samaritans and the work the charity does, visit https://www.samaritans.org/

Free employability training course at Granton Hub

The Welcoming Edinburgh are providing a free course for parents to prepare New Scots (refugees and migrants) for working in the UK.

In this course, participants will learn how to search for jobs, write job applications and cover letters, improve interview skills, and learn about work culture in Scotland and UK employment rights.

The course takes place weekly every Thursday morning over 6 weeks and subsidies including childcare, and transport can be provided.

Classes start on Thursday 8th February at Granton Hub in Madelvic House and will run from 10:30am – 12:30pm.

Please book on Eventbrite on http://www.eventbrite.co.uk/e/798461207967

New report finds cost of dying has reached a record high in Scotland

Following the release of the latest funeral cost figures, a Scottish charitable organisation is calling on the Scottish Government to re-visit their financial support.

The latest Sunlife Cost of Dying Report 2024 has found that the average cost of a basic funeral in Scotland – which doesn’t even include a wake or other send-off costs like funeral cars or flowers – has risen to £4,030*.

As a result, Caledonia Funeral Aid – a charity-run social enterprise which supports those facing funeral poverty – has urged the Scottish Government to reconsider the average payout to those who are eligible.

Co-founder and chair John Halliday, explained: “The Scottish Government has made real gains in increasing the take-up of the Funeral Support Payment – which contributes somewhat towards the main basic funeral costs.

“However, the average payout to eligible residents in Scotland is £1,949,**. If someone is organising even a basic funeral, they are over £2,000 short. But then if you want flowers, sandwiches, a venue for a wake, transport, orders of service or a headstone that would all be additional costs.

“The report also finds that the average cost of dying (a funeral plus professional fees and send-off costs) has reached a record high of £9,658*. So, the Funeral Support Payment has become a drop in the ocean for people when presented with the final bill.

“We would ask the Government to consider that those who qualify for the payment are in receipt of benefits like Child Tax Credit, Universal Credit, Income Support or Jobseekers’ Allowance.

“These people are also experiencing additional financial pressure due to the cost-of-living crisis. Indeed, nearly half of those surveyed in the report people say the cost-of-living crisis impacted on how they organised or paid for the funeral and worryingly 1 in 6 bereaved people said they had to cut back on essential items like food, bills or rent.

“Many of those in receipt of the Funeral Support Payment will still struggle to pay the final bill and may resort to desperate measures, like using a credit card, taking out a loan or even selling belongings.

“Our not-for-profit funeral director, Caledonia Cremation, does provide a direct cremation option which is fully covered by the benefit, with money left over for a follow-up event. However, that type of funeral isn’t what some people want, and we do our best to support everyone to make the choice that is right for them. It is becoming increasingly hard to do so when the cost keeps rising.”

One person who struggled despite receiving the payment is James, who lost his partner Rachelle in 2022.

James was in receipt of Universal Credit, so was eligible for the Funeral Support Payment. However, he was still left with a massive bill, as he explains:

“Rochelle had contributed to a plan, so as a result I only received 99p from Social Security Scotland. The plan and that payment didn’t come close to covering the full cost of the funeral, and as a result I had to find £2,500.

“The payment doesn’t consider the true cost of a typical funeral, which is high by anyone’s standards.

“I also feel that the Government should consider the situation of those who are in receipt of the benefit. When you are on Universal Credit, £2,500 is a huge amount of money.”

As part of their campaign, Caledonia Funeral Aid are hosting a free online summit at the end of the month.

John explained: “We are inviting those who work with recently bereaved people, or those who support people experiencing hardship, to an online discussion around the financial support available and what the long-term plan should be.

“We are hosting this event in partnership with The Poverty Alliance and Down to Earth. Those interested can sign up online at the funerals.scot website.”

*Sunlife Cost of Dying Report 2024 https://www.sunlife.co.uk/funeral-costs/

** Funeral Support Payment: high level statistics to 30 September 2023 https://www.socialsecurity.gov.scot/asset-storage/production/downloads/Funeral-Support-Payment-publication-to-September-2023-867995435674.pdf