Almost 430,000 18-21 year olds with an unclaimed Child Trust Fund, worth an average of £2,000, are being urged by HM Revenue and Customs (HMRC) to claim their cash as part of UK Savings Week (18 to 24 September 2023).
Child Trust Funds are long-term, tax-free savings accounts and were set up for every child born between 1 September 2002 and 2 January 2011, with the UK Government contributing an initial deposit of at least £250. Funds can be withdrawn once the account matures when the child turns 18.
A recent student survey, conducted by UCAS, asked first and second year university students about Child Trust Funds and the results showed that they were most interested to know how much money was in their account (43%) and how to claim it (32%). The survey also revealed 60% of students got their information about Child Trust Funds from their parents.
Angela MacDonald, HMRC’s Second Permanent Secretary and Deputy Chief Executive, said:“Many 18-21 year olds are starting out in first jobs or apprenticeships, starting university or moving into their first home and their Child Trust Fund is a pot of money with their name on.
“I would encourage young people to use the online tool to track it down or, for parents of teenagers, to speak to them to ensure they’re aware of their Child Trust Fund. It could make a real difference to their future plans.”
There are currently 5.3 million open Child Trust Fund accounts. Young people aged 16 or over can take control of their own Child Trust Fund, although the funds can only be withdrawn once they turn 18. More than 500,000 matured Child Trust Fund accounts have been claimed or transferred into an ISA since the oldest children on the scheme turned 18 in September 2020.
Families can continue to pay in up to £9,000 a year tax-free into a Child Trust Fund until the account matures. The money stays in the account until the child withdraws or reinvests it into another account.
The UCAS survey revealed that 74% of respondents were aware of Child Trust Funds.
Further findings include:
more men (75%) were aware of Child Trust Funds compared to 73% of women
78% of 19 year olds were aware of Child Trust funds compared to 71% of 20 to 21 years olds
of the people who had not yet claimed their Child Trust Fund, 76% of respondents were likely to take steps to learn more about how to withdraw it.
Sharon Davies, CEO of Young Enterprise, said: “We would encourage all young people to investigate if they have money which is unclaimed in a Child Trust Fund and to use it wisely.
“A disproportionate amount of the money is unclaimed by young people from disadvantaged backgrounds who are the very people who would benefit most from these funds. The investment could be placed into an adult ISA or put towards driving lessons, education or starting a business.
“The money in a Child Trust Fund has the potential to be life changing and the lack of knowledge about them shows the importance of financial education and financial planning from a young age”.
The UK Government is offering help for households. Check GOV.UK to find out what cost of living support you could be eligible for.
Cost of living crisis brings need for financial literacy in young people into stark reality, says charity
Young Enterprise Scotland is highlighting the importance of financial education for young people during UK Savings Week.
Running from the 18th – 24th September, UK Savings Week is a campaign designed to heighten awareness of the benefits of saving, and creating positive attitudes towards financial resilience.
The call for awareness comes on the back of findings which show just 50% of 12-17 year olds in Scotland recall learning about money management in school (MaPs, 2020). A figure which is concerning in light of the current cost of living crisis.
The charity has created and developed Scotland’s Financial Schools programme to support the implementation of financial education in the curriculum, with the aim that every young person in Scotland is equipped with essential financial skills that will support them into adulthood.
The programme provides practitioners with support and a wide range of resources to develop their own understanding and support their students, including workshops, online modules, and their free ‘’Your Money Matters’ textbook, created through funding and support from Money Saving Expert, Martin Lewis. Featuring tips on budgeting, borrowing, and recognising scams and fraud, the textbook can be accessed for free on their website.
Emma Soanes, Chief Executive of Young Enterprise Scotland, said: “It has never been more important for young people to have the skills and knowledge to set them up for success, and financial education is a key component.
“We are determined that every child in Scotland should have access to financial education from an early age, and we aim to support teachers and schools to deliver this across the country.”
Financial education for young people is central to the work of Young Enterprise Scotland, which works with volunteers from the business community to deliver a future-proof programme of blended learning that is accessible to all. They also work with budding entrepreneurs, nurturing business ideas and supporting young people to bring their ideas to life, whilst developing skills and achieving their goals.
Find out more about Scotland’s Financial Schools here:
Screen Education Edinburgh is delighted to announce two exciting opportunities aimed at young people passionate about film
BFI Film Academy Short Course for Edinburgh and South East Scotland, delivered by Screen Education Edinburgh (SEE), and the SEE Young Filmmakers Hub
The BFI Film Academy Short Course for Edinburgh and South East Scotland, delivered by Screen Education Edinburgh (SEE), and SEE Young Filmmakers Hub are both projects designed to help aspiring young filmmakers gain practical knowledge and experience, while highlighting the various pathways into the screen industries.
These courses seek to empower learners to pursue their passion for filmmaking, inspiring them to future careers and success within the screen industries
BFI Film Academy Short Course 2023 for Edinburgh and South East Scotland, delivered by Screen Education Edinburgh:
The BFI Film Academy Short Courses offer opportunities for ambitious 16 to 19-year-olds to get to know more about film and how to forge a career in the screen industries. Delivered by Screen Education Edinburgh and supported by the BFI, awarding National Lottery funding, and Screen Scotland, this introductory, hands-on course builds knowledge and skills and shows the different pathways into the industry.
BFI Film Academy Short Courses take place across the UK for talented and committed young people aged 16-19, and they have proven to have an excellent track record of inspiring the next generation of filmmakers and crew.
Participants of the Course will make short films, learn from top talent working in the industry through masterclasses, and acquire the necessary knowledge and experience to build a career within the screen industries.
Not only does this course provide practical filmmaking experience, but also instils confidence, develops teamwork skills and creates a sense of being a part of a community of aspiring screen industry professionals. Along with filmmaking experience, these soft skills are crucial in finding success within the industry.
‘Prior to the BFI, I really lacked in confidence with film equipment and experience on set, and now I feel comfortable vocalising what I need done and know how to achieve it.
‘My biggest achievement on the course was when we were filming, my teammates and I worked well together, communicating and asking each other for help and advise.
‘This cemented the fact that I want film to be my chosen career and that I have new found skills. The course has given me a realistic understanding, as well as an appreciation of the film industry – inspiring me to make films of my own.’ – BFI Film Academy Short Course Participant 2022
Subject to successful completion of required assessments, this course can award learners the Preparing to Work in the Film Industry qualification, an NCFE Level 2 award. This qualification will benefit their professional development, whether through further film education courses or entering the industry.
This course is open to young people aged 16-19 years old, living in the Edinburgh, Clackmannanshire, East Lothian, Falkirk, Fife, Midlothian, Scottish Borders, Stirling and West Lothian areas. No prior experience is required.
The deadline for applications is the 24th of September 2023, at 5pm.
Sessions will take place from 11am to 6pm, while shooting days will last from 10am to 6pm. The sessions taking place on the 24th of October and 14th of November will be online, from 6pm to 8pm.
The course fee is £25; however, for those unable to pay this, we still encourage applying. Bursaries will be available for those who require assistance with fees or travel costs.
We understand that people have different accessibility needs, and that some communicate better through different mediums. Therefore, there is an option to submit a video application, rather than a written online form; further details regarding this can be found here.
In addition, we will be holding an open day for applicants at SEE on the 9th of September, 10am – 1pm. During this drop-in session, we will be on hand to help with the application process, as well as answer any questions.
SEE Young Filmmakers Hub:
Supported by the Sean Connery Foundation, the SEE Young Filmmakers Hub offers young people the opportunity to learn more about the art of filmmaking, regardless of their circumstances. Aimed at those aged 12-18 living in Edinburgh, learners will gain experience of working in a variety of filmmaking roles.
From sound and lighting design to cinematography and directing, this practical course provides valuable hands-on training in all aspects of filmmaking, allowing young people the chance to discover new interests and strengths.
Working in groups learners will be tasked with developing, shooting and editing their very own narrative short film. Through this course, we seek to empower young people to create their own ideas and tell stories that are meaningful to them, gaining self-confidence and fostering good teamwork skills.
‘My long term goal is to get into the film industry. I haven’t decided exactly what I want to do but I think I have a clearer idea after this course.
‘It feels like a very effective introduction to film as you gain an understanding of a wide range of different aspects of film, such as directing as well as sound and editing, rather than just one. I gained a lot of confidence with the technical side of filmmaking.’ – Participant Young Filmmakers Hub
The next stage of the Young Filmmakers Hub will take place from September/October to December 2023. Young people aged 12-15 years old living in Edinburgh are eligible to apply. More information and an application form can be found at https://www.screen-ed.org/yfh.
Learners will be split into groups based on age, with the course running on the following dates:
Group 1 (12-14): starting 21st September and continuing every Thursday
Group 2 (14-15): starting 19th September and continuing every Tuesday
Group 3 (16-18): starting 6th September and continuing every Wednesday
SEE is dedicated to making filmmaking accessible to people of all backgrounds and experience levels. The Hub is free, and no previous filmmaking experience is necessary; the only requirement is a love for films, and a desire to make your own.
Upon completion of this course, learners will be invited to enrol in more year-round filmmaking activities here at SEE. We are committed to providing ongoing support and development, nurturing the talents of aspiring filmmakers and empowering them to pursue their passion further.
New figures reveal worsening employment outlook for Scotland’s young people
New ‘Hatch’ programme will help 16-24 year olds in Scotland who have faced barriers to employment to build their work skills, confidence and land their first job
Number of young people not in employment, education or training on the rise, as two in three (62%) young people in Scotland say that the cost-of-living crisis has increased barriers to finding work
Two in five (43%) employers in Scotland say they are less likely to hire a young person now, due to the current economic climate
KFC, UK Youth and Youth Scotland have launched a new youth employability programme in Scotland to help 16-25 year olds who have faced barriers to employment, to build their work skills, confidence and land their first job, as new research reveals the cost of living has significantly worsened work and training opportunities for young people in Scotland.
The Hatch programme, which was piloted in Manchester last year, is currently being rolled out across Glasgow, Edinburgh, Aberdeen and surrounding areas. Working with UK Youth and Youth Scotland to identify young people most in need, the programme will offer participants 1-2-1 training, support, and practical work experience, with an interview at KFC on graduation.
The launch of the programme comes as new research from KFC, UK Youth and Youth Scotland reveals the stark impact the cost-of-living crisis has had on young people’s employment outlook in Scotland. This follows recent reports from the Office for National Statistics that the number of young people not in education, employment or training (NEET) increased in April to June 2023, to a current estimate of 794,000 or 11.6%.
Two in three (62%) young people in Scotland say the cost-of-living crisis has increased barriers to finding employment, as two in five (43%) employers in Scotland say they are less likely to hire a young person now, given the current economic climate.
One in three (33%) young people in Scotland feel anxious about their employment, training and education prospects. One in four (26%) of Scottish young people say they do not feel confident about finding a job in the next 5 years, with this figure rising to 28% when asked how they feel about the future in general.
For employers in Scotland the difficult economic climate means hiring young people has taken a backseat to other priorities. Increasingly, employers in Scotland were found to be reducing training and development opportunities available for young people in a bid to reduce costs: half (49%) of employers in Scotland say they are less able to invest in upskilling young people now, while 77% of employers are worried about the future for young people given the current state of the economy and job market.
Nonetheless, employers in Scotland recognise the important role they can play in supporting young people into employment, as 89% believe that employers have a responsibility to help young people into the workforce and 88% say they want to do more to help them develop their skills.
To help reduce the barriers young people face across the UK, KFC, UK Youth and Youth Scotland are calling on government to work more closely with businesses to ensure young people are being equipped with the skills that will help them thrive in the workplace.
They are also calling for a joined-up strategy that brings together businesses with local authorities, job centres and youth work organisations to better connect young people with job and training opportunities in their local area.
Meg Farren, General Manager, KFC UK & Ireland, said:“Young people today are facing greater challenges than ever before. The pandemic took away crucial skills and career development opportunities – now, they’re faced with a cost-of-living crisis and uncertain economy, making it so much harder to land their first job.
“As one of the biggest youth employers in the country, we see first-hand how difficult it is for young people to build the skills and experience they need to enter the world of work and our latest research demonstrates how today’s economic climate is only making this harder for young people.
“There are buckets of talent across the UK, but all too often young people are cut out of accessing opportunities. That needs to change. That’s why we’re excited to be bringing our employability programme Hatch to Scotland, to invest in the next generation and help unlock some of this untapped potential.
“Working with UK Youth and Youth Scotland, Hatch, will help young people across Scotland to build their skills, confidence and land their first job.”
Jacob Diggle, Director of Strategy, Research and Impact at UK Youth, said: “The lingering effects of the pandemic and the ongoing cost of living crisis are having a damaging impact on the employment prospects of young people. We cannot ignore the concerns of the next generation as they attempt to enter the world of work – their success is crucial to the success of our economy and our country.
“Youth work can play a huge part in tackling the rise in youth unemployment. However, these life changing services are under strain and need more support – as highlighted by our cost of living campaign. The partnership between youth work and businesses is vital to meeting the scale of need.
“We are proud that our Hatch programme with KFC will help thousands of disadvantaged young people develop the confidence and skills they need to secure stable employment.”
Mike Strang, Youth Scotland Chief Executive said: “The Hatch programme is a fantastic opportunity for young people in Scotland who are facing multiple barriers to entering the workforce. Youth work meets young people where they are at and Hatch does that while offering tangible skills, support and opportunities for young people to realistically set their sights on employment.
“Youth employability programmes like Hatch offer pragmatic solutions and real prospects to some of the most disadvantaged of Scotland’s young people.”
Jordan McQuade, participant of the Hatch programme, said:“There are loads of barriers I faced when looking for employment. Prior to the Hatch programme, I’d spent two years trying to find a job that worked for me and my disability. The cost-of-living crisis had made the situation even worse, which made me feel anxious about my future and ability to find a job.
“However, my experience on the Hatch programme has been really positive and helped me to manage my mental health. The training has grown my confidence, and it’s been great to meet so many other young people working at KFC – I feel like I’ve made friends for life!
“Since completing the Hatch programme, I’ve been given a permanent part-time job at KFC, which is supporting me financially whilst I continue to study at college.”
Since piloting Hatch in Manchester last year, 80 young people have successfully graduated from the programme, with more than 50% finding full time employment as a result. By 2024, KFC is aiming to have upskilled 1,100 young people, ensuring they’re ready for future work, training or education through the Hatch programme.
Over half of Scots (52 per cent) think volunteering could improve their mental health according to a new survey from the British Heart Foundation. It comes as the national charity has also seen a boom in younger volunteers since the pandemic ended.
The British Heart Foundation (BHF), which has around 16,000 volunteers across its shops and stores, and supporting roles from home, has also revealed that over half of its new retail volunteer recruits this year are Gen Z.
A new survey of 1,000 people in Scotland has highlighted that Scots believe volunteering could improve their mental health, boost confidence, and reduce loneliness.
The survey also found that over nine in 10 (94 per cent) of Gen Z respondents nationally would consider volunteering, compared with just under three quarters (74 per cent) of Baby Boomers (people aged 59-77+) respondents.
Flexibility stood out as a key factor for Scottish respondents when it comes to volunteering, with 48 per cent of Scots saying they would be more likely to volunteer if flexible hours were offered, and nearly a quarter (24 per cent) would consider volunteering from home
Further results showed that for 30 per cent of Scottish respondents (32 per cent), the biggest barrier to volunteering in a charity shop was not having time to commit to it regularly. With flexible roles offered, and even the option to volunteer from home, it’s now much easier for anyone to get involved and try out volunteering at the BHF.
Harry McCaughey, a 17-year-old BHF volunteer, initially signed up to gain some work experience and develop his confidence in meeting and socialising with other people. He volunteers at his local shop on the weekends while he studies and loves the social atmosphere and the mix of people and ages in the team. After his A Levels, Harry hopes to go to university and have a career in dermatology.
Harry said: “I started volunteering to meet new people, and it’s been great to get to know people that I wouldn’t otherwise have met and hear advice from those that are older than me.
“I’d encourage younger people to volunteer, it’s a great way to expand your social circle and build confidence and responsibility at work.”
David McColgan, Head of the British Heart Foundation (BHF) in Scotlandsaid: “Since the pandemic, it’s been great to see consistently high numbers of young people choose to try out volunteering. The flexibility we offers makes it ideal for those looking to gain work experience and build confidence before applying for jobs or heading to university.
“Our easy, flexible, and inclusive approach aims to make volunteering more accessible for all. We encourage everyone to bring their skills to the BHF, whether it’s for one day or one hundred. Whether you want to chat to customers on the shop floor, sort through donations in the stock room, style the mannequins in the window, stay active in the warehouse or research eBay items from home, we have the role for you.”
A recent volunteer photoshoot saw the charity use only real volunteers in their images, rather than models, marking a new direction the charity is taking to reflect the real diversity of their volunteers.
The Charity Commission has published a report of its long-running inquiry into Watch Tower Bible and Tract Society of Britain.
The inquiry opened in May 2014 to investigate the charity’s handling and oversight of safeguarding matters, including child protection advice provided to individual Jehovah’s Witness (JW) congregations.
This followed significant interaction between the Commission and the charity since October 2007, concerning the way in which safeguarding incidents or failures were handled within JW organisations and, specifically, the adequacy of the guidance that the charity provided to various JW congregations.
JW organisations reported to the Independent Inquiry into Child Sexual Abuse (‘IICSA’) that a total of 67 allegations of child abuse were made between 2009 and 2019 against 67 individuals involved in JW congregations, whether as Elders, ministerial servants or otherwise.
During the course of the Commission’s interaction with the charity from 2007 onwards, including during the period of the inquiry, JW congregations have revised and updated their safeguarding policies on several occasions, and the Commission remains engaged with JW congregations on safeguarding matters through its ongoing interaction with the Kingdom Hall Trust (see below).
One key issue which emerged during the inquiry was the extent to which the charity itself remained responsible for ensuring children and vulnerable people are safe from harm within JW congregations.
Notwithstanding the charity having had an historic role in interacting with the Commission over JW safeguarding, the Commission’s report concludes that Watch Tower is no longer the body responsible for safeguarding within JW congregations, and therefore the inquiry can be closed.
It is the Commission’s view that following the merger of Kingdom Hall congregation charities with the Kingdom Hall Trust in March 2022 (‘KHT’) that KHT is now the body responsible for safeguarding congregation members. The Commission has opened a compliance case to work with KHT’s trustees to ensure that the safeguarding policies, guidance, and procedures of KHT provide a safe environment for beneficiaries within all JW congregations.
The Commission’s report is critical of the charity’s trustees’ conduct during the inquiry, expressing the view that on occasions the trustees were “not as straightforward or transparent as they should have been” in relation to JW child safeguarding responsibilities, and that during certain phases of the investigation, “the trustees’ communications were protracted, with the charity’s responses often failing to provide the information requested or sufficient clarity to satisfy the inquiry, giving rise to further questions.”
The inquiry noted that there was insufficient evidence to conclude that these behaviours were deliberate attempts to obstruct the inquiry.
The report also details that legal challenges brought by the charity, which sought to challenge some of the regulator’s decisions and orders, which partly explain the significant delays to the inquiry.
Helen Stephenson, chief executive of the Charity Commission said: We are clear that a charity must be a safe, trusted environment and that protecting people and safeguarding should be a governance priority for all charities, regardless of size, type or income.
“I am pleased that this long-running inquiry, which demonstrates the Commission’s resolve and determination to ensure that safeguarding policy issues are addressed comprehensively by charities, has now concluded.
“Our continuing regulatory compliance case involving the Kingdom Hall Trust aims to ensure that the KHT’s safeguarding policies and procedures protect congregation members and those that come into contact with KHT.”
Timeline of significant developments prior to, and during inquiry
2007
Commission opens statutory inquiry into the London Mill Hill Congregation of Jehovah’s Witnesses after an Elder was convicted for historic sexual offences. The Commission’s inquiry into the London Mill Hill Congregation finds that it did not have a child protection policy.
One of the outcomes from the Commission’s inquiry into the London Mill Hill Congregation is that the Watch Tower Bible and Tract Society of Britain agrees to develop a child protection policy which would be disseminated to all JW congregations.
2010
In May 2010, the Commission seeks advice on the draft policy from the National Society for the Prevention of Cruelty to Children (‘NSPCC’).
A summary of the NSPCC’s findings is supplied to the charity. The charity also seeks its own advice from a safeguarding consultancy.
In finalising the policy, the charity chooses not to adopt all of the NSPCC’s recommendations.
2011
Watch Tower distributes child protection policy which all Elders of JW congregations are expected to adhere to.
2013
Following the conviction of a former ministerial servant of a JW congregation charity, Charity Commission writes to Watch Tower to raise concerns about the policy and its implementation.
Commission seeks advice from NSPCC, which finds the policy to be at odds with UK legislation and guidance.
The charity updates and recirculates the policy.
2014
March: Commission meets with the charity, to raise its concerns about the revised policy, which does not address concerns raised by NSPCC. The trustees do not clearly set out that Watch Tower is no longer responsible for drafting and disseminating the policy, nor do they state which organisation is now responsible for this.
May: Charity Commission opens statutory inquiry.
August: Watch Tower challenges decision to open inquiry and legal orders requiring the charity to submit information to the Commission, beginning a period of several years during which the work of the inquiry is constrained.
2016
December: Supreme Court refuses the Watch Tower permission to appeal a decision of the Court of Appeal dismissing the appeal against the Commission’s investigation.
2019
September: Charity Commission informs Watch Tower that it had commissioned the Ineqe Safeguarding Group to undertake independent review of JW’s child safeguarding policies and procedures.
December: Ineqe’s report is provided to Watch Tower, ahead of planned meeting to discuss the findings. The charity cancels the meeting asking to provide a formal response to the independent report.
2020
January: Charity provides inquiry with written opinion from its safeguarding expert, which states that the Ineqe report was out of date. Watch Tower demands the inquiry is terminated, claiming the grounds for the inquiry no longer exist.
June: After careful consideration, the Commission refuses the request to close the inquiry.
July: Charity instigates Judicial Review procedures against the Commission’s refusal to conclude the inquiry and in respect of disclosure.
2021
Trustees’ cooperation with inquiry improves following permission from the High Court for Watch Tower to bring Judicial Review procedures against the Commission.
2023
Commission concludes that Watch Tower is not the organisation that is currently directly responsible for the safety of JW beneficiaries.
More than one million young Catholics are expected to attend the World Youth Day event in Lisbon this week (2-6 August).
Stages and big screens have been set up for events across the city, with the Pope meeting officials at the National Palace in the historic neighbourhood of Belem, celebrating Mass in Jerónimos Monastery and then taking part in events throughout the week at locations including Cascais on the coast, the central Vasco da Gama Garden and on the Hill of Encounter at Edward VII Park, before the celebrations culminate with a Mass for World Youth Day beside the River Tagus on Sunday (6 August).
For more information, ideas and inspiration on visiting Lisbon, please go to www.visitlisboa.com.
In collaboration with North Edinburgh Arts, JACK ARTS SCOTLAND is bringing a wee taste of the Fringe to North Edinburgh!
Looking for some summer fun? Next week, join us at West Pilton Neighbourhood Centre for a short programme of FREE creative workshops led by Scottish stars of the 2023 Fringe. Fun and memorable workshops for children and young people living in Muirhouse, Pilton, Granton and Drylaw.
No previous experience needed; all abilities welcome!
