Tag: support

Scottish Government launches debt advice campaign

If you are struggling with problem debt and worried about how best to deal with it, you’re not alone. That’s the message from a new Scottish Government campaign, encouraging people in Edinburgh to get the help they need and are entitled to get their finances back on track.

Problem debt could come from credit card debt that has gotten out of control, overdraft fees or from unpaid bills. Anyone can run into debt problems, and it can quickly spiral to unaffordable costs. But there is a wide range of trusted organisations, free support and advice available to help Edinburgh locals take control of their debt and ease their money worries.

As a starting point to living and enjoying a healthier financial lifestyle, you can follow seven simple top tips and useful guides from the Scottish Government’s partners.

A new website, moneysupport.scot, from the Scottish Government includes information and links to free and impartial debt advice to help people take control and live a healthier financial life. There’s also information on other financial matters such as affordable credit options and eligibility for benefits.

Sharon Bell, Head of StepChange, said: “With many Scots worried about money and debt problems, it’s important that people don’t fear seeking support before they reach financial crisis.

“By getting in touch with us, it’s a small and vital first step to getting your finances back on track and dealing with your worries. We can help people access and utilise the resources they are entitled to and will be there to support for as long as they need.

“StepChange is proud to partner with the Scottish Government on this campaign to raise awareness of the free support and advice available. Our skilled team of debt experts will help people achieve long-term financial control.”

DEBT ADVICE TOP TIPS

  1. DON’T IGNORE PROBLEM DEBT

It’s hard facing up to problem debt and it’s easy for it to spiral. From missing payments to not opening bills or checking your statements you can quickly run into trouble and be left feeling anxious. By facing up to the facts, you can get the support you need and take back control of your finances.  Go to moneysupport.scot for help.

  1. SEEK ADVICE

The sooner you ask for help, the sooner you can work towards tackling your debt and easing your money worries. Free and impartial advice is available from a range of trusted sources including Christians Against Poverty (CAP) who can advise you on practical solutions to a healthier financial life.

  1. TALK TO A MONEY ADVISER

Everyone’s circumstances are different. By calling StepChange, you’ll be put straight through to an expert money advisor, who can provide free debt advice tailored specifically to your needs and they will be there for as long as you need them.

  1. WORK OUT A BUDGET

Creating a budget detailing your income and what you spend each month, let’s you clearly track your finances. National Debtline’s, StepChange’s and Business Debtline all have useful planners available to download for free.

  1. RECOGNISE YOUR PRIORITY DEBTS

Understanding your ‘priority debts’ including rent can stop you facing serious consequences like being evicted. Citizens Advice Scotland has a useful guide to identify different types of debt and which ones you need to handle first.

  1. CONSIDER THE BEST OPTIONS TO PAY BACK YOUR DEBT

Various schemes can assist you in paying back your debt with step-by-step assistance available from StepChange and National Debtline.

  1. CONSIDER TEMPORARY SOLUTIONS

If your circumstances change such as losing your job, temporary solutions are in place to help manage your debt in the short term. National Debtline offer a useful digital guide on the various schemes in place to support you in seeking the help you may be entitled to.

For local advice and support contact Granton Information Centre – telephone 0131 552 0458 or 0131 551 2459 or email info@gic.org.uk

Help for people living with dementia

Extra £1 million will help people shape the services they need

A £1 million investment over two years will fund work with people with dementia and their families to design and shape the support they need following diagnosis.

The funding, part of the £120 million Mental Health Recovery and Renewal fund, will see the Scottish Government working with Age Scotland to enhance support giving people a bigger say in what works for them.

COVID-19 has had a disproportionate impact on people with dementia. Through this partnership with Age Scotland, the Scottish Government will grow the community support that have been so critical to people and their families during the pandemic.

Early investment will be focused on building community capacity with a small grant programme, with a broader community grant programme to follow in the second year.

Social Care Minister Kevin Stewart said: “During the latest phase of the pandemic I have listened to people with dementia and their families about the need for additional flexible support and investment to help address some of the particular challenges they are facing.

“COVID-19 has impacted all of us but I know just how challenging it has been for people living with dementia, their families and carers.

“Trying to reduce this impact is the basis of our Dementia and Covid Action Plan, which we have worked with a wide range of partners to implement, since its publication in December 2020.

“There is a lot of positive work to point to, and the pandemic has particularly highlighted the importance of community-led work, responding to local need. I want to build on this work and enable more local people and communities to design and shape the support they need.

“Through this partnership with Age Scotland we will invest an extra £1 million over two years to support local communities to do that.”

Brian Sloan, Chief Executive of Age Scotland, said: “We’re delighted to be working with the Scottish Government to deliver this funding, which will support the development of dementia-friendly communities across Scotland.

“The pandemic has compounded challenges faced by people living with dementia and their unpaid carers. This funding will help address some of these challenges by shaping communities that work for those who have lived experience of dementia.

“Our role is to bring the voices of carers and people living with dementia to the forefront as plans are developed, ensuring those voices are heard at every stage of the design and delivery process. By doing so, we can build communities that truly support and empower people living with dementia and those who care for them.”

Dementia and COVID-19: Action Plan

One in three people struggling to keep up with bills and credit commitments – double the pre-pandemic number

Millions driven to harmful desperation borrowing as financial pressure on households deepens

The number of people finding it hard to keep up with bills and credit commitments has doubled since the start of the pandemic according to new research from StepChange Debt Charity.

The charity has found the proportion of people struggling is now nearly one in three (30%) GB adults – 15 million people – compared to 15% (7.5m people) who say they were struggling in March 2020.

The findings are part of a new report – Falling behind to keep up: the credit safety net and problem debt – which reveals the pandemic has further entrenched the use of consumer credit to make ends meet.

The report finds 8.6 million people in financial difficulty in Britain borrowed £26 billion to cover their basic needs in the last year. This includes 3.5 million people who have used credit to pay essential bills.

The number of people resorting to credit is expected to increase as the cost-of-living crisis pushes up the price of basic household essentials.

StepChange’s research reveals a credit market that does not always work for people in financial difficulty, with two-thirds (65%) of those in difficulty having kept up with credit repayments by missing bills, borrowing from family and friends or being forced to cut back to the point of hardship.

Despite rules designed to ensure those in financial difficulty access support, fewer than one in four of those struggling with credit repayments are in contact with their bank or credit firm.

Strikingly, half of GB adults (53%) say that they would be reluctant to seek help with financial difficulty from a bank or credit firm due to concerns about credit reporting and the anxiety and stigma of talking about financial difficulty.

The report finds that rather than access help, people struggling with debt can instead experience steps that make their situation worse. Among Stepchange clients who responded to an online survey, 26% were offered further credit after they were in financial difficulty, 35% had a payment taken they could not afford and 51% had interest added to a debt.

The lack of effective early intervention to identify and provide those in financial difficulty with a safe, fair way out of unaffordable debt is causing social harms, with 6.4 million struggling GB adults saying credit has had a negative impact on their health, relationships or ability to work in the last 12 months.

The research, based on a national survey of GB adults and an online survey of StepChange clients, highlights poor practice in the credit market such as ineffective affordability checks and automatic credit limit increases that draw financially vulnerable households into unmanageable debt.

With the cost-of-living crisis now further squeezing budgets StepChange is warning that many more people are likely to use credit to pay for essentials in the coming months. Urgent action is needed to support households to meet essential costs without resorting to credit.

The Financial Conduct Authority recently announced proposals to implement a new Consumer Duty that will require firms to focus on delivering good outcomes for consumers. StepChange is calling for the FCA to ensure the Duty changes practices that are failing consumers, including:

  • Raising standards of lending and addressing unaffordable credit limit increases so that fewer stretched households build unaffordable credit card debt
  • Requiring firms to intervene proactively and provide a widely available and safe offer to customers unable to keep up with repayments, building on learning from payment deferrals offered during the pandemic.

StepChange is also calling on the Government and the FCA to do more to provide alternatives to borrowing for households that are struggling to meet unexpected expenses, through grants via the social security system and a government-supported no interest loan scheme.

StepChange Chief Executive Phil Andrew said: “The sharp rise in the number of people struggling to meet their financial commitments should raise alarm bells across Government, banks and regulators.

“We are two years into a financially damaging pandemic and going through the sharpest cost of living increase in a generation. While consumer credit can potentially play some part in helping people navigate short-term pinch points, this must not be at the cost of their long-term financial and personal wellbeing.

“For our clients, a cost-of-living crisis is not new – for years we have been seeing a steady rise in the number of households who experience debt simply through a prolonged period of not having enough income to meet their basic needs.

“However, the number of such households looks set to grow, and in the absence of public policy intervention the risk is that such households will have no other option but to turn to borrowing in the short term, which will only exacerbate and prolong their financial difficulties.

“Those responsible for the steering us through these choppy financial waters need to be attuned to the harm many credit products, made available to people on the cusp of financial difficulty, can cause.

“The new Consumer Duty is a crucial opportunity for firms to redesign products and change practices to ensure credit does not exploit financial difficulty and those in difficulty get effective help fast.

“To resist acting is to risk a rapidly escalating debt crisis, particularly among lower income households.”

Falling-behind-to-keep-up-the-credit-safety-net-and-problem-debt-StepChangeDownload

Healthy Heart Tip: Stopping smoking

Approximately 6.9 million people over the age of 18 are smokers. Smoking harms almost all organs in the body, including your heart and blood vessels, increasing your risk of having a heart attack.

Quitting smoking can be extremely difficult, but it is an important step in reducing your risk of heart disease. We provide some tips to help you stop smoking:. 

Decide when to stop and make a plan

The sooner you decide to quit smoking, the better. Choose a date within the next two weeks. If you leave it too long, you will give yourself time to change your mind.

Identify triggers that make you want to smoke and work out how you will overcome them in advance. For example, if you usually smoke during your break at work, plan to go for a walk instead. 

Notify friends and family of your intention to stop smoking and ask for their support.

Manage your cravings

Cigarette cravings are intense urges to smoke and they can last for 5 minutes.

Quitting smoking requires a huge amount of willpower. When you get a craving, try to distract yourself for 5-10 minutes until it passes. You could try planning a healthy dinner or plan a route for a cycle ride or a walk.

Once the craving has passed, you can give yourself a pat on the back.

Get support

Getting support to stop smoking can increase your chances of success. You could try contacting your local Stop Smoking Services or chatting to your GP.

You could also seek advice from a friend or family member who has successfully stopped smoking, or from someone who is also trying to quit.

Perhaps consider using a stop smoking aid, such as nicotine patches, gums, lozenges or nasal sprays to help stop the cravings.

As well as reducing your risk of developing serious diseases, such as cancer and heart disease, quitting smoking can also help to improve your mental wellbeing.

Why not reduce your risk by choosing a date to quit smoking today?

For more tips on how to stay healthy, sign up for our weekly healthy tips at:

www.heartresearch.org.uk/healthy-tips

To help keep your heart healthy, why not try out some of our Healthy Heart recipes from our website: 

https://heartresearch.org.uk/heart-research-uk-recipes-2/

Or have a look through our Healthy Heart cookbook filled with recipes from top chefs, celebrities and food bloggers:

https://heartresearch.org.uk/heart-research-uk-cookbook/

The Leith Collective tackles hidden poverty with ‘no questions asked’ coat exchange

Locals urged to donate as cost of living soars

It has been a relatively mild winter so far, but those familiar with Edinburgh weather know that could all change in a heartbeat. Sadly for many locals, a cold spell could prove to be their breaking point.

With fuel bills soaring and the cost of essentials massively increasing, many city residents are feeling the pressure of the rapidly rising cost of living. And so, The Leith Collective has introduced a ‘no questions asked’ coat exchange to give a helping hand to those who might need it.

Situated outside The Leith Collective shop at Ocean Terminal, rails of good quality coats are available for collection now – at no cost and with no questions asked.

And locals are being urged to donate. Coats of any size can be dropped off at The Leith Collective at Edinburgh’s Ocean Terminal where they will be quarantined for 72 hours, in-line with covid safety guidance. They will then be displayed outside the store for anyone to collect.

The idea behind the coat exchange is two-fold, as The Leith Collective founder, Sara Thomson explains: ‘The nation is currently facing a poverty crisis, with the cost of living rising faster than ever, and job insecurity resulting from the pandemic still affecting many.

“Edinburgh is not immune to this and we’re witnessing the damaging effects here in Leith and beyond. Coupled with the climate crisis, we felt we had to take action and try to help. And so the coat exchange was born. Not only is it a sustainable solution that keeps quality clothes out of landfill and in use, it also provides a valuable opportunity to kit out families in genuine need.”

The coat exchange is the latest in a series of initiatives launched by The Leith Collective to simultaneously support locals and promote a circular economy, following their hugely successful Christmas tree exchange in December 2021. 

As a Community Interest Company, all profits from the shop go towards supporting the community and promoting sustainability through the arts.

The Leith Collective actively supports individuals with mental health or support needs to grow in confidence and gain experience in the workplace, and offers business mentorship to any members of the Collective.

It is hoped that by hosting the coat exchange in an accessible location such as Ocean Terminal, those currently experiencing difficulties will be able to receive a helping hand.

Donations to the coat exchange can be dropped off at The Leith Collective during opening hours, Monday – Saturday 11am – 6pm, and Sunday 11am – 5pm. Coats should be clean and in good condition.

Islamic Relief UK and Blackhall Mosque team up to help vulnerable families in Edinburgh

Islamic Relief UK partnered with Blackhall Mosque yesterday to distribute 500 essential food packs to vulnerable people in Edinburgh including the homeless, asylum seekers, refugees and women who have suffered domestic abuse.

Scotland has seen a stark rise in families needing financial assistance and help with food. According to the poverty and inequality commission, one in four children in Scotland (24%) and one in five working-age people (19%) are living in poverty.

Many people have been hit hard by the pandemic, including, low-income families, those suffering from domestic abuse, the homeless, asylum seekers and refugees who were already struggling to feed themselves and many prioritising eating or heating as they struggle to pay their bills.

The food packs contained 30 items including, rice, pasta and beans.

With poverty levels in the UK increasing, Islamic Relief UK is also distributing food parcels across the country with different partners.

Imam Sohail Ashqaue, Blackhall Mosque, said: “We begin by thanking Allah SWT (God) for giving us all the opportunity to serve his creation. Indeed this is a blessing as we work with Islamic Relief UK to deliver 500 food packs to families who have been struggling to feed themselves this winter.

“We would like to thank all the volunteers who will help make this happen and we look forward to continuing this great partnership with Islamic relief UK to ensure the most vulnerable in our community receive the support they require.

“We are glad to be helping those in Edinburgh as part of a wider distribution by Islamic Relief UK and partners that are taking place across the UK.

“With rising utility bills and many businesses not recovering from the pandemic, many people are facing huge insecurity towards their future.

“The hardship that many families and individuals are dealing with right now is unimaginable, and this distribution will go a long way to help alleviate that.”

Nadeem Baqir, Regional Community Fundraising Manager, Islamic Relief UK said: “We are proud to be working with Blackhall Mosque to reach out to some of the most vulnerable people in Scotland. The Mosque plays an important role in the community and has been a lifeline for many people.

“With the high cost of living and the pandemic, we have seen families struggle to pay for just the essentials such as food and warmth and many have had to resort to food banks.

“This winter, the work of Blackhall Mosque will make a huge difference to many families and we thank them for their amazing efforts to help those in need.”

Granton Goes Greener: Evening sewing classes start next month

We have some great news for all of you, who are busy during the day, but would still like to learn some basic sewing skills or repair your clothes🧵🧶✂️🧷

We have now added another FREE, EVENING SEWING CLASS (ADULTS ONLY), which same as our Monday class will be a drop-in, taking place in the East Hall of Granton Parish Church between 6 and 8 pm on EVERY FIRST THURSDAY OF THE MONTH.

The class will be run by our regular sewing tutor – Monika from Remode Collective.

We would also like to say a huge THANK YOU to Swinton Paterson Trust https://www.swintonpatersontrust.org.uk/ for their financial support of the class🙏🙏

Islamic Relief UK and Blackhall Mosque team up to support Edinburgh’s vulnerable families

Islamic Relief UK and Blackhall Mosque team up to help some of the most vulnerable families in Edinburgh.

Tomorrow, Sunday 23 January, Islamic Relief UK will partner with Blackhall Mosque to distribute 500 essential food packs to vulnerable people in Edinburgh including the homeless, asylum seekers, refugees and women who have suffered domestic abuse.

Scotland has seen a stark rise in families needing financial assistance and help with food. According to the poverty and inequality commission, one in four children in Scotland (24%) and one in five working-age people (19%) are living in poverty.

Many people have been hit hard by the pandemic, including, low-income families, those suffering from domestic abuse, the homeless, asylum seekers and refugees who were already struggling to feed themselves and many prioritising eating or heating as they struggle to pay their bills.

The food packs – will contain 30 items including, rice, pasta and beans.

With poverty levels in the UK increasing, Islamic Relief UK is also distributing food parcels across the country with different partners.

Imam Sohail Ashqaue, Blackhall Mosque, said: “We begin by thanking Allah SWT (God) for giving us all the opportunity to serve his creation. Indeed this is a blessing as we work with Islamic Relief UK to deliver 500 food packs to families who have been struggling to feed themselves this winter.

“We would like to thank all the volunteers who will help make this happen and we look forward to continuing this great partnership with Islamic relief UK to ensure the most vulnerable in our community receive the support they require.

“We are glad to be helping those in Edinburgh as part of a wider distribution by Islamic Relief UK and partners that are taking place across the UK.

“With rising utility bills and many businesses not recovering from the pandemic, many people are facing huge insecurity towards their future.

“The hardship that many families and individuals are dealing with right now is unimaginable, and this distribution will go a long way to help alleviate that.”

Nadeem Baqir, Regional Community Fundraising Manager, Islamic Relief UK said: “We are proud to be working with Blackhall Mosque to reach out to some of the most vulnerable people in Scotland. The Mosque plays an important role in the community and has been a lifeline for many people.

“With the high cost of living and the pandemic, we have seen families struggle to pay for just the essentials such as food and warmth and many have had to resort to food banks.

“This winter, the work of Blackhall Mosque will make a huge difference to many families and we thank them for their amazing efforts to help those in need.”

Earth in Common needs your help!

Do you have a few hours to spare each weekday from tomorrow – Monday 17th January?

Earth in Common (formerly Leith Crops in Pots) are in need of some help shifting bits & bobs/decluttering/organising ahead of our big renovation.

Tea & coffee will be provided!

Wrap up warm & come chat with our team from 10am.