Tag: survey

Lockdown Lowdown: Job satisfaction soars amongst young Scots – but two fifths worry about future prospects

A new study examining the impact of lockdowns on Scotland’s young people has revealed that over two-thirds (67%) feel positive about their current employment situation as lockdown eases, but only two-fifths of Scottish students are confident about securing future employment. 

Commissioned by the Scottish Government and delivered by the Scottish Youth Parliament, YouthLink Scotland and Young Scot, the study of nearly 2,500 young people serves as a follow-up to previous surveys that explored young people’s concerns in response to the pandemic.

The latest LockdownLowdown research examines the lasting impact of lockdowns and comes as many young people return to in-person education and work as lockdown restrictions ease.

The results revealed that job satisfaction among young people has risen since last year, with 67% of young people feeling good about their current job situation – a 12% increase from the previous LockdownLowdown report in the winter.

However, positive sentiment waned when young people were asked about their confidence in finding a job in the future – with 2 in 5 (37%) of those currently in higher education concerned about securing graduate employment.

In general, employment and finances were leading worries among young people, with more than a third (36%) admitting that their work hours had been cut, while a fifth (22%) were placed on furlough, and 18% lost their job entirely. This comes when over a third (36%) don’t know where to access information on financial support.

The Lockdown Lowdown survey identified mental health as a further concern among young people, with over a third (35%) worried about their mental wellbeing and two fifths (40%) not confident about accessing information on mental health and wellbeing.

Following the reopening of schools and learning environments, over three quarters (76%) of young people have returned to in-person education – with 85% happy to be back. However, nearly half of respondents (44%) felt unprepared in the run-up to this year’s assessments, and only 2 in 5 (38%) were confident that the grades determined by their teachers would be delivered fairly.

Nearly 2,500 young people from across Scotland took part in the research that will be used by the Scottish Government and shared with stakeholders, including the NHS and local authorities.

Josh Kennedy MSYP, Chair of the Scottish Youth Parliament, said:“Meaningfully engaging with the views of young people is the only way to ensure that decisions are made with their views and needs at the centre.

“The latest LockdownLowdown report makes it very easy for decision-makers to find out what young people think about restrictions easing. Young people have had an incredibly challenging time over the last year and a half.

“I would encourage every decision-maker in Scotland to look at the views presented in this report and consider them when making decisions about how Scotland comes out of the Pandemic.”

Tim Frew, CEO of YouthLink Scotland, said: “As we strive to return our lives to normal after this really challenging period, it’s vital that government and other decision makers know where young people are at, and their thinking on the pandemic.

“In this latest survey there are very clear messages from young people around anxiety about future employment prospects, mental health remains a significant concern and there are clearly issues about the impact lockdown has had on assessments and results.

“As we continue to come through the pandemic, the voices of young people need to be listened to as we shape the way forward. The findings also show the importance of youth work to many young people, and demonstrates the incredible support youth workers have continued to offer in extremely difficult circumstances.”

Kirsten Urquhart, Interim CEO of Young Scot said: “Given the immense challenges young people have faced throughout the pandemic, it’s no surprise to see rising concern over future employment.

“While a surge in job satisfaction is cause for cautious optimism – we want to reassure young people that Young Scot is here to support every young person with their next steps as we begin to recover from the pandemic.”

Three quarters of Scottish paramedics have feared for their safety or felt threatened at work

Three quarters (75%) of Scotland-based paramedics who took part in a major UK-wide survey by their professional body, the College of Paramedics, said they had feared for their safety or felt threatened while carrying out their duties.

This is higher than the UK-wide figure of 70% which has been revealed by the College of Paramedics today. The survey, which was completed by 2,345 UK paramedics including 148 based in the Scotland, also revealed that almost half (49%) of all respondents had suffered physical abuse while 80% said they had been verbally abused during the course of their work.

These findings come one month after new NHS England figures revealed that paramedics have suffered a 32 per cent rise in assaults over the past five years, with 3,569 incidents taking place in 2020-21 alone.

Tracy Nicholls, Chief Executive of the College of Paramedics, said: “We have long been aware of the physical and verbal abuse that paramedics suffer and the toll it takes on their health and wellbeing – but this is the first time that a large-scale survey of this kind has revealed the extent of the problem.

“It’s absolutely outrageous to think that so many paramedics have been abused whilst carrying out their duties, going above and beyond to help people when they are at their most vulnerable, and often in the most challenging of circumstances. Worryingly, the abuse appears to have increased during the pandemic when paramedics are already exposing themselves to greater personal risk.

“Enough is enough! It is time for us all to take a stand and find new ways of working together to prevent abuse from happening, as well as  demanding zero-tolerance  when it does occur.

“We welcome the steps that the Government has taken to mitigate some of the risks by announcing that funding will be made available for body worn cameras and by introducing harsher custodial sentences for perpetrators of violence against paramedics – but more needs to be done.

“After years of lobbying, the legislation is now in place to ensure that the worst offenders are severely and appropriately dealt with. The problem is that the law is not being used to full effect and sentences are still far too lenient. We are calling today on the courts to step up and impose the harshest penalties available to them.”

The College of Paramedics has warned that the abuse paramedics are experiencing is having a direct impact on their health and wellbeing. Most paramedics surveyed (89%) said their jobs were taking a toll on their mental health and 69% said this had intensified since the start of the covid pandemic.

Tracy Nicholls continued: “One of the most worrying aspects is that paramedics are continuing to soldier on, despite in some cases being pushed to breaking point.

“It’s a disgrace that paramedics are having to work under these conditions – whether they are part of our NHS ambulance service, in a military or prison environment, working in private practice or wherever they are. These issues deserve much greater attention and we will be working hard to bring about change.”

The College of Paramedics will form part of the NHS Health & Wellbeing team and will focus dedicated resources on the prevention of abuse and the provision of support to paramedics who have been affected.

As part of its five-year strategy, the College of Paramedics will engage with national initiatives which promote the health and wellbeing of its members and will include it within its Continuous Professional Development programmes so that members can access up-to-date information and guidance on how to keep themselves safe.

Tracy Nicholls added: “With the results of this survey, we are well placed to push forward collaboratively to make a difference in this area which is vital for the safeguarding of paramedics and the patients they are trying to assist.”

Burnt Chef survey finds 40% of hospitality staff struggled with mental health over last year

The Burnt Chef Project rolled out a hospitality survey to explore issues around staffing within the hospitality sector looking to ascertain why people had left the industry within the last 12 months.

The vast majority of the 2,143 UK based respondents (84%) are still working within the industry: 45% of them were chefs and most (75%) had been furloughed during the pandemic.

“40% of respondents have struggled with their mental health over the past 12 months”

The survey, which was launched in June and rolled out via Peopleful and Umbrella Insights, found that nearly a third of those not currently working within the sector are planning to return within the year, with 10% in the next six months.

However, there are challenges the industry faces which are impacting those who work within it and must be addressed before the industry can become a sustainable career choice for many.

Work-life balance is the most frequently mentioned barrier to working in the sector and most commonly cited reason for leaving.

Sadly, hospitality doesn’t currently come highly recommended with one in five planning on leaving in the next 12 months and around a third (37%) is on the fence.

When asked what changes would improve recruitment and retention in hospitality, the majority said, ”feeling valued’.

Unsociable and unpredictable hours – which are inherent in the trade – were a barrier to one in five, whilst salary and stressful working environments were also frequently cited barriers (one third). Only 4% of those asked highlighted job security as a concern. 

The Burnt Chef Project Ambassador, Benjamin Souza-Morse, Owner of The Salutation Inn said: “Things have to change to ensure the survival of the industry, sadly it’s all too often seen as normal practice to work 80 hours a week with no respite.

“It’s not feasible for people to work all hours under the sun and still perform to the best of their abilities, we wouldn’t expect other industries to work two weeks in one. I am constantly adapting my business to try and meet its commercial needs but more importantly the needs of our team, we look closely at: maximum hours, consecutive days off, weekends off, competitive pay rates, free staff food, staff trips.

“These are just some of the things which attract and retain staff and we will be working closely with The Burnt Chef Project to ensure that we are an employer of choice, who focus on the mental health and well-being of our staff.

“If businesses recognised the needs of their team, the whole sector could produce a better balanced, desirable profession to work in.” 

Not surprisingly, 40% of respondents have struggled with their mental health over the past 12 months, with around 1 in 6 reporting it has been ‘not good’.

General Managers are seemingly those finding the pressures impacting their mental health the most with 42% reporting a decline in the overall level of mental well-being since reopening. However, 60% of individuals report feeling ‘okay’ or ‘better’ about working in the industry, showing there is a large proportion of the workforce keen to stay. 

Kris Hall, Founder of The Burnt Chef Project said, “We’re seeing it all over the media, and we’re hearing it first-hand in the trade. The industry is facing a severe employment crisis right now, but what our survey has shown is that there is a way out of this. Hospitality 2.0 if you like, whereby we support our employees and give them a sustainable career choice.

“There are achievable, mid-term solutions which can be implemented within the workplace to put the industry on the path to success. Training for managers to understand effective communication, performance reviews to encourage and inspire, and mental health awareness training to understand stress and its impact on team members.

“Yes, we’re facing a challenge, but we’re also faced with a huge opportunity to make a better environment within the industry. The impact of COVID-19 has been detrimental to the industry, but now is the time to knuckle down and invest in the business and primarily the people who are working in it.

“We are already working on innovative tools, resources and support services to aid businesses in tackling some of the issues raised from our data.”

For anyone looking for advice or wishing to implement mental health training within their organisation, please contact info@theburntchef.co.uk for details.

Research highlights challenges for Scotland’s unpaid carers and carer support workers during pandemic

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Carers Trust Scotland today is releasing research about the experiences of the pandemic among unpaid carers and carer service support workers across Scotland. More than 500 participants shared the challenges of caring, and supporting unpaid carers, throughout the pandemic.

The pandemic has been difficult for unpaid carers, with 90% of respondents stating they are spending more time caring and 82% saying they have had no respite since the beginning of the pandemic.

With lockdowns and restrictions, many unpaid carers have been unable to share the responsibilities with family and friends and many services have had to pause or reduce their input.

These challenges also impact those carer service workers supporting unpaid carers. As other services paused, 76% of carer support workers that participated found their workload increased. 65% say that their job role has changed, as delivery of support moved online.

Carer support workers highlighted the emotionally demanding calls from unpaid carers, and the challenges of taking these calls in a home working environment without the support of colleagues that you would have in an office.

Hannah Martin, Research and Engagement Officer for Carers Trust Scotland, said: “The pandemic has been a very challenging time for both unpaid carers and carer support workers.

“The challenges unpaid carers have faced, have directly impacted those supporting them. Through the lived experience of unpaid carers and carer support workers, this research illuminates those challenges throughout this unprecedented time.”

In addition to providing an evidence base of experiences, the research puts forward recommendations and suggestions to support carer services and staff as they move out of the crisis phase of the pandemic. This includes recognising and valuing the incredible contribution of unpaid carers, and carer support workers over the pandemic period.

World-leading researcher on unpaid carers’ rights and Carers Trust Ambassador, Professor Saul Becker, said: “During the pandemic, unpaid carers of all ages, have been spending more time caring and more people than ever before have taken on unpaid caring responsibilities while statutory and other support services have been reduced or not available.

“This has also added additional pressures on carer support services that have had to adapt their practices quickly and provide holistic support to unpaid carers during very challenging circumstances.

“I welcome this COVID-19 in Scotland impact report on unpaid carers and carer service workers and believe every effort should be made to support the implementation of the report recommendations and suggestions, which could further improve the lives of unpaid carers and recognise and value the vital role of carer support services.”

Mental Wellbeing and Social Care Minister Kevin Stewart, said: “Carers, and the services that support them have done a remarkable job in very difficult circumstances over this past year during the pandemic. I want to thank them for all their hard work and effort.

“During the pandemic, we have invested an additional £1.9 million in extra carer support via carer organisations. The Scottish Government continues to work closely with the Carers Trust and national care organisations to ensure that carers continue to receive the support and the services they rely on. We will continue to do so as we move into a new phase of the pandemic and society starts to open up.

“The Scottish Government is committed to establishing a National Care Service by the end of this parliament to oversee the delivery care, invest in better terms and conditions for the workforce and provide better support for unpaid carers.”

NHS Trusts grappling with challenges on ‘multiple fronts’

Survey by NHS Providers reveals fears over waiting lists, COVID-19 and winter pressures

A survey by NHS Providers sets out in stark detail how NHS leaders are grappling with challenges on multiple fronts as they seek to meet rising demand for health services alongside a rapidly growing waiting list and a worrying surge of COVID-19.

The health service is coming under concerted pressure with recent figures revealing a record 5.1 million people on waiting lists, over 2 million A&E attendances in the last month and a steep increase in demand for mental health services.

Trusts and frontline staff are working at full pelt to clear the backlog of care that has built up during the pandemic, with 90% of pre-pandemic levels of operations now being carried out and a small, but welcome fall in the number of people now waiting over 52 weeks for treatment to begin.

But our survey reveals widespread concerns amongst trust leaders that winter pressures and further surges of COVID-19 will derail plans to deal with the backlog of care and undermine hard-won progress.

These findings come just days after the chief medical officer warned of a further wave of COVID-19 this winter and the prime minister was forced to delay plans to further ease restrictions following a sharp rise in infections and hospital admissions because of the Delta variant.

The survey responses reveal:

  • A large majority of leaders (88%) said it was likely that another surge in COVID-19 cases would place additional pressures on their services.
  • 89% said they were worried these additional pressures would come during the challenging winter months.
  • Almost three quarters (73%) of respondents raised concerns that plans to clear the backlog of care over winter risked being disrupted because of the need to prioritise demand for urgent and emergency care.
  • Almost half (48%) of respondents said they have seen evidence of staff leaving their organisation due to early retirement, COVID-19 burnout, or other effects from working in the pandemic. Respondents are concerned that juggling winter, flu, COVID-19 and ambitious recovery plans will once again put pressure on the workforce.


Commenting on the survey results, the deputy chief executive of NHS Providers, Saffron Cordery said: “Our survey reveals the sheer scale of the challenge facing trusts right now. They are battling on multiple fronts as they try to recover care backlogs, deal with increased demand for emergency care and treat patients with COVID-19.

“This is difficult at the best of times but as we saw last year, could become even more challenging during the hard winter months, particularly with the expectation that flu will return and there will be increased respiratory viruses among children.

“Trusts are committed to clearing the backlog of care that built up during the pandemic. We are confident vaccines are breaking the chain between infections and hospital admissions, but the reality on the frontline is that even a small increase in COVID-19 admissions or emergency care pressures could affect our ability to deliver non-COVID services.

“Trust leaders are doing all they can, but there are three steps the government can take immediately to ease the current pressure trusts are facing.

The government must provide much needed short-term capital funding so trusts can direct it to the services that need it most. Saffron Cordery    DEPUTY CHIEF EXECUTIVE

“First, the government must provide much needed short-term capital funding so trusts can direct it to the services that need it most. Trusts tell us they need capital quickly to expand intensive care units, to invest in digital to transform pathways to see patients more quickly, and to adapt estates to create more capacity.

“Second, trusts need to maintain patient flow and maximise their capacity. We’re urging the government to commit to permanent, dedicated funding for the discharge to assess programme, which ensures patients who are ready to leave hospital are placed in a more appropriate setting freeing up hospital beds.

“Third, we need national bodies to work with NHS leaders to get the planning for winter pressures right to help manage the risk ahead. We know the NHS faces a perfect storm of COVID-19, flu and other respiratory illnesses as well as a growing backlog of care. We must act now.”

‘The threat of winter is tangible’

RCEM supports NHS Providers call for action

Responding to the latest survey from NHS Providers about the challenges facing Trusts, Dr Adrian Boyle, Vice President of the Royal College of Emergency Medicine, said:

“The health service is facing serious pressures: with the backlog of elective care reaching 5.1 million patients; and the urgent and emergency care system facing record breaking attendances.

“It is an incredibly challenging time, but we support our Trust Leaders and recognise that they are doing what they can to manage the current situation.

“We support NHS Providers and their three steps the government can take to ease pressures currently facing Trusts. We particularly welcome NHS Providers call for action ahead of winter and the likely increase of pressures that covid, flu and respiratory illnesses will bring, in tandem with the urgent tackling of elective care.

“Since April 2021, the College has warned of the threat of winter and the need to prepare the health service and ready Emergency Departments. It is absolutely essential that we ensure there is adequate capacity, adequate access to alternative care, departments have the right resources, and that staff are prepared.

“Our Summer to Recover: Winter-proofing Urgent and Emergency Care for 2021 outlines the steps the government, NHS Trusts and Boards, and ED Leadership Teams can take to prepare ahead of winter.

“We welcome the recognition from NHS Providers of this threat ahead, now we wait for the urgent action and leadership from government that is desperately needed.”

Survey on role of volunteering and the third sector response to Covid-19

The Scottish Government would like to better understand the impact of Covid-19 on the voluntary sector and volunteering. If you are an organisation which has engaged volunteers in the last two years, they would really like to hear your views.

The survey will provide invaluable and up-to-date insights on both the challenges and opportunities facing volunteering and will help to guide the recovery process in 2021 and beyond.

The findings will be published and widely disseminated for the benefit of all volunteer involving organisations. 

The survey closes TODAY – take the survey here

Survey: Volunteering and the Third Sector Response to COVID-19

The Scottish Government are undertaking a huge piece of research into the response of Volunteering and Third Sector Organisations to the Covid-19 pandemic.

They are very keen to hear from volunteer involving organisations on their experience of volunteer involvement, good and bad, over the period of the pandemic. In order to build as clear a picture as possible it is important that as many organisations in Edinburgh as possible respond.

The deadline has now been extended to Tuesday 1 June.

This survey aims to gather information about:

  • How volunteering has contributed to the Third Sector response to the pandemic;
  • The challenges that the sector has faced in continuing to support volunteering during this time; and
  • Organisational perspectives on what is needed to support volunteering during the recovery period and beyond.

To begin the survey click here

Survey reveals Scots would rather go without a shower than their mobile phone

Survey reveals the items & activities Scots couldn’t go longer than a day without

–       Wi-fi and mobile phones top the list of items Scottish respondents couldn’t go longer than a day without –

–       Scots would rather go without a shower than their mobile phone –

A new survey of 2000 respondents from gadget insurance company Protect Your Bubble reveals which items or activities they couldn’t go longer than a day without.

Wi-Fi tops the list as over 65 percent of Scots revealed they couldn’t go longer than a day without it. This follows on from a record year in 2020 with 96 percent of UK households now having access to the internet.

Top 10 items/activities Scottish respondents couldn’t go longer than a day without
#Item/Activity% of respondents
1Wi-Fi65
2Mobile phone53
3Showering/Bathing49
4Tea/coffee48
5Pets39
6TV37
7Going outside for exercise25
8Snacks24
10=Reading for leisure17
10=Car17

What’s more, Scottish residence overwhelmingly prioritises their internet connectivity over hygiene – with a staggering 16 percent more people needing it over a quick shower in the day!

With whole host of stricter national restrictions brought on by the COVID-19 pandemic forcing Scottish residents to sit tight and work from home where possible, it’s no wonder that they’re prioritising connectivity. While not relying on it as much as the Welsh (71%), they’re needing it more than the UK average (60%).

The Scots are just as guilty when it comes to mobile phone usage, with 53 percent of respondents saying they couldn’t go a day without their phone. Whether it be for work purposes or trawling through social media, it’s clear the nation is hooked on their devices.

Despite Scots putting their phones and WIFI over hygiene, it turns out they might be the cleanest nation in the UK, as they’re the only country to prioritise having a good scrub over a morning cuppa.

It seems the Scots love affair with tea and coffee isn’t that strong, with less than half (48%) needing a cup daily – a whopping 18 percentage points down on Northern Ireland (66%) and 10 down on the Welsh (58%).

Pets (39%) closes out the top five items/activities that Scots can’t go longer than a day without, showing their devotion to their furry companions.

At the other end of the scale, it may come as no surprise to see ‘retail shopping’ and ‘seeing friends’ as the bottom two activities people can go longer than a day without, with only one percent viewing it as a priority.

With a struggling economy in these unprecedented times, and workers wanting to look after their disposable income, it’s no surprise that these are of low importance to people’s daily lives.

Bottom items/activities Scottish respondents couldn’t go longer than a day without
#Item/Activity% of respondents
1=Retail Shopping1
1=Seeing Friends1
3=Beer2
3=Gambling2
5=Video games3
5=Wine3
7Seeing family10
8Microwave12

It’s surprising to see ‘seeing family’ towards the bottom end of the table. However, this could be due to the national lockdown restricting the number of people you can see outside of your bubble.

That said, the longest period most respondents said they could go without family (27%) is a month – with 26 percent being fed up with just a week.

With Scotland’s First Minister Nicola Sturgeon recently announcing the countries roadmap out of lockdown, it seems residents won’t have to wait much longer until they’re reunited with their loved ones.

James Brown, Director at Protect your bubble commented: “It’s really interesting to see what items or activities the UK public can or cannot go without for longer than a day. The pandemic has shifted peoples the perceptions of what they now view as a priority in their everyday lives.

“With mobile phones ranked highly for something people can’t go a day without, it’s important the public ensure their device is well-covered with the likes of insurance or mechanical breakdown cover should it ever get lost or damaged to minimise any disruption it may cause.”

https://uk.protectyourbubble.com/our-blog/blog/2021/04/07/are-mobile-phones-the-one-thing-we-can’t-live-without

To view the full survey results, click here

Steet Cred? Royal Bank teams up with rap artist Nova Scotia The Truth after Covid puts life on hold

  • New survey finds young people are some of the most anxious when thinking about their financial security and futures, as country begins to emerge from lockdown
  • Rapper Nova Scotia The Truth – who spent award win on Zoom rather than at annual celebration – fronts new campaign to encourage people to think about what they want from their future
  • Bank calls on the public to consider their financial situation as research shows more than half have parked a key ‘life moment’ during lockdown

New research from Royal Bank of Scotland has found that more than half (56%) of 18–34-year-olds in Scotland put a ‘life moment’ (e.g. wedding, graduation, buying their first home) on hold during the last 12 months.

Of those with life moments planned, almost a third (31%) said ‘financial insecurity’ caused by the pandemic had affected these plans, with one in ten (10%) citing a loss of employment and 8% affected by their lack of financial knowledge.

More than a fifth (22%) of all 18-34-year-olds said they feel anxious about money troubles in a post-Covid world compared with less than one in ten (9%) of those aged 55+.

As the country takes the first steps towards re-opening, Royal Bank has committed to improving the nation’s financial capabilities by offering every person a free Financial Health Check, to reduce money anxieties and help them achieve their goals.

To encourage signups for the service and urge young people to think about their future, the bank has enlisted the support of rapper and DJ, Shaheeda Sinckler aka Nova Scotia The Truth, who was crowned Scottish Album of the Year winner 2020.

The 25-year-old rap artist, who lives in Edinburgh but had plans to buy a new home in Glasgow, has seen her life put on pause with live gigs postponed, missed family moments and adjusting to a virtual existence with college, career planning and even collecting her SAY Award from behind the screen, rather than on-stage at Edinburgh’s Summerhall.

Shaheeda has been commissioned by the bank to write and produce an exclusive new track about the implications of 2020 and making future dreams happen – it’s due for release later this year.  

Despite the increased financial anxieties among young people, almost 2/5ths (39%) do believe the pandemic has made them better at financial planning and when asked about the things they are looking forward to once restrictions allow it, key sources of excitement for 18-34-year-olds in Scotland include:

·       Going on holiday (74%)

·       Date nights (50%)

·       Attending a live gig (48%)

·       A return to education (22%)

·       Buying a house (20%)

Shaheeda Sinckler, Nova Scotia The Truth, said: “At the start of 2020, I planned to move back to Glasgow and focus on gigging but because of the pandemic, I’ve had to stay at home with my family. It’s not been the easiest year but I’m lucky I’ve been able to focus on creative projects and do my college work virtually, I know not everyone has been so fortunate.

“The pandemic has given us time to reflect on our lives and the way we structure them and for me, that involved streamlining my finances to make sure I’m setting myself up well for when life goes back to normal. If you’ve got a plan in place now and the right support, you can achieve your goals quicker.”

Malcolm Buchanan, Chair, Scotland Board, Royal Bank of Scotland, said: “The impact of the pandemic on people’s plans – and their financial situation – has been immense.

“Directly or indirectly, everyone has been touched by it. Through our conversations with our younger customers and colleagues, a group who are normally working towards their future plans and goals, it is clear that many dreams and life moments have been paused. This is understandable given the climate.

“Shaheeda’s story has shown that it has impacted everyone, whether in the public eye or not.

“It has been challenging and there is a long way to go but we’ve seen that some people have reappraised what they want from life, whether it is a new life goal or even plans to set up their own business in the future.

“Regardless of how long it takes for people to get back on their feet, we want to help give everyone the support and skills they need to help them make their dreams a reality and help them plan for the future.”

Royal Bank is making financial management easier by providing the following:

·       Financial Health Check – A free 20-minute conversation with a senior advisor who provides guidance to make banking simpler, and tips for everyday spending or achieving future goals. This could include setting savings targets, advice on tracking monthly spending and creating budgets. Customers can choose to chat in a branch or over the phone. personal.rbs.co.uk/personal/financial-health-check.html

·       Royal Bank of Scotland app – Customers using Royal Bank of Scotland’s award-winning app will now be able to easily see where their money is going with the new ‘spending’ tab which will show them how much they’re spending each month, helping them stay in control of their money.

·       MoneySense – MoneySense provides parents and teachers with the tools to give young people the confidence to use money responsibly on their own. MoneySense is fully digital and downloadable, it can be delivered by teachers in schools. It’s the longest-running bank-led financial education programme for young people in the UK.