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resources from Brian's conference presentation

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resources from Brian's conference presentation

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https://www.gov.uk/carers-allowance/how-to-claim

From Morag:
A major benefit of claiming and being paid CA in Scotland is Carer's Allowance Supplement which is paid twice yearly.
£245.70 from December 2022 - you'll get this payment if you're getting Carer's Allowance on 10 October 2022

https://www.gov.uk/attendance%E2%80%93allowance

Just a note for Scottish participants. No new claims for PIP in Scotland. It has been replaced with Adult Disability Payment which is broadly similar in terms of activities and points https://www.mygov.scot/adult-disability-payment                        DLA has been replaced by Child Disability Payment in Scotland - again broadly similar but payable to age 18 & slightly different tests after 16 and for visual impairment https://www.mygov.scot/adult-disability-payment        Universal Credit can be claimed from age 16 if you're caring for a severely disabled person :-) https://www.gov.uk/universal-credit/eligibility

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ideas from Lorelei's session at Money Guiders' Conference

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ideas from Lorelei's session at Money Guiders' Conference

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BBC piece on saving energy costs https://www.bbc.co.uk/news/business-62738249

Google Rewards App pays you small amounts to complete very small surveys.  Keeping your shopping receipts pays well if you are willing to photograph them for the survey. The money can be spent in Google Play Store on apps/subscriptions you have.  I have 'earned' 57p while Lorelei has been speaking!

As energy advisors that is something we are constantly telling clients along with trying to help them make thier homes more energy efficient so they can heat homes...thanks energy doctors

Just want to say with budgeting being a major focus for services now as we're having to 'take things back to basics' as we often feel a bit helpless that we can't get additional money for customers/ tenants, I am finding this session really really helpful! Thank you. I can't wait to have the slides and incorporate the info into 1-1 sessions with people as a sort of checklist

One of our practical ways to help clients is to refer to projects that help them cook healthy meals for minimum cost..it is called bags of taste and is really popular sadly not available in all of the boroughs we cover

Most energy trust funds insist on debt advice budget sheets from a debt advice agency so check

https://www.ofgem.gov.uk/get-help-your-supplier-priority-services-register

https://grants-search.turn2us.org.uk/

https://www.entitledto.co.uk/help-page-index

Introduction

Money Course website (for clients and organisations)
Enrol for the Money Course self-led

The B Word-> 3 simple steps -> choose a method

First paste:
MAPS Budget Planner

https://www.moneyhelper.org.uk/en/everyday-money/budgeting/budget-planner

EntitledTo planner

https://e2budget.entitledto.co.uk/entitledto

MSE budget planner (Excel or printable)

https://www.moneysavingexpert.com/banking/budget-planning/

CAB online budgeting tool

https://www.citizensadvice.org.uk/debt-and-money/budgeting/budgeting/work-out-your-budget/

Second paste:
Budget Builder demo video

https://www.youtube.com/watch?v=n_Vc4YivDTk

Budget Builder appli & online tool
https://budgetbuilder.themoneycourse.org/

The B Word -> common scenarios

Guest Handbook

https://www.themoneycourse.org/guest-handbook

Reducing Costs -> spending priorities

Online priorities exercise

https://www.themoneycourse.org/priorities

Reducing Costs -> ways to save money
https://budgetbuilder.themoneycourse.org/

SHINE covers all London Boroughs our energy doctors provide small  measures energy saving lightbulbs radflek draught proofing and advice in peoples homes

Mayor of London Grants for Insulation solar etc

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Get help from your supplier - Priority Services Register

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Contact your energy supplier to register for free extra help and support with your gas and electricity supply.

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If you can't open a tab to add a resource, look for the plus sign (at the bottom right) and post your resource on a new tab and we will add it to the relevant tab later.

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Hello! Thanks for finding your way to the resources page for the Money Guiders England Network. This network is run by Quaker Social Action (QSA) in partnership with the Money and Pensions Service.

Our network is free to join:
www.moneyguidersengland.org.uk/

The Money and Pensions Service has a broad offer for money guidance practitioners. Start here: https://maps.org.uk/money-guiders/

Competency framework: https://maps.org.uk/money-guiders/ways-to-use-the-framework/

Frequently asked questions
https://maps.org.uk/money-guiders/faqs/

In this Padlet/site there are Money Guidance England Network event recordings, future events and other resource suggestions. Resources from past events such as presentations will be shared soon.

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A network for professionals working in money guidance.

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Our budgeting and cashflow sessions have been provided by Lorelei Freeman of Crosslight Advice: https://www.crosslightadvice.org/
Crosslight's free budgeting course:
https://www.themoneycourse.org/join

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I need debt advice I need budgeting help Our Advice Process Debt Options Preparing for an appointment Make a Referral Find Us Contact Us

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ideas here

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Energy costs, utility bills, payments etc

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Energy costs, utility bills, payments etc

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Extra support for vulnerable people through the Priority Services Register: https://www.ofgem.gov.uk/get-help-your-supplier-priority-services-register

Cheaper broadband and phone packages: https://www.ofcom.org.uk/phones-telecoms-and-internet/advice-for-consumers/costs-and-billing/social-tariffs

National Energy Action is a great source of advice. Call them on 0800 304 7159 and ask about the Warm Home Discount

Use Sust-it to check how much it costs to run your electrical appliances and learn about energy efficient products

Learn how much each of your appliances costs to run with this online activity

WaterSure (England only): https://www.citizensadvice.org.uk/consumer/water/water-supply/problems-with-paying-your-water-bill/watersure-scheme-help-with-paying-water-bills/

Suggestions from money guiders
Switch off what not using
Take meter readings
Use appliances that use less energy
BBC article:

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Get help from your supplier - Priority Services Register

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Contact your energy supplier to register for free extra help and support with your gas and electricity supply.

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Compare prices across supermarkets with Trolley

Use Trussell Trust or Food Aid Network to find a foodbank

The Too Good to Go app gives you a chance to get low cost surplus food from cafes and restaurants

Olio helps you share food and resources in your community

For budget recipes, try Jack Monroe’s Cooking On A Bootstrap

Bags of Taste is a fun project that gets you trying new healthy recipes on a budget

Suggestions from money guiders:
* Check reduced food fridge (yellow tags) in shops
* Too Good to Go
* Batch cook
* Olio app
* Shopping points schemes to turn into spending money
* Meal plan
* Set a budget
* Buy wonky fruit and veg
* Local markets
* Meat free days
* Order online
* Always shop with a list
* Set a budget
* Sign up to Feed your Family for 20 quid: https://fyf20quid.co.uk/
* https://cookingonabootstrap.com/category/recipes-food/
* FOOD clubs (Food On Our Doorstep) https://www.family-action.org.uk/what-we-do/children-families/food-club/
* https://communitygrocery.org.uk/
* https://www.lovefoodhatewaste.com/foods-and-recipes

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We have over 600 recipes to keep your cooking fingers ready and if you can't find a recipe you want, just ask on our Facebook page. Feed Your Family started off as a small Facebook group with the aim of helping to re-educate a generation of parents who are relying on expensive ready meals and jars of sauce to feed their families.

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Money worries can sometimes impact on our ability to look after ourselves and our loved ones. Two apps that might help your mental wellbeing are Headspace and Feeling Good

Relate has some good information on protecting relationships when people are coping with the pressure of money worries: https://www.relate.org.uk/get-help

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Many local authorities give grants to help pay for uniform. Use this checker to see if your council offers help: https://www.gov.uk/help-school-clothing-costs

Many schools also have a second hand uniform shop that you may need to ask about, or a parents’ group on Facebook where parents cheaply sell on uniform they no longer need.

Some local authorities offer help with costs of getting to and from school, check your local council website to find out.

You may be able to get help paying for childcare use this checker to find out: https://www.gov.uk/childcare-calculator

For single parents Gingerbread is an excellent source of support and advice targeted for single parents: https://www.gingerbread.org.uk/

When there just isn’t enough money, it’s hard to know how to talk to our kids about that. Here are some tips to support you to have those conversations in ways that feel OK: https://quakersocialaction.org.uk/we-can-help/money-finances/made-money/financial-wellbeing/talking-children

Fun days out for families (or anyone) https://www.dayoutwiththekids.co.uk/hub/things-to-do/free-family-days-out

Suggestions from money guiders
* Look for deals
* Follow Skint Dad on Facebook
* Encourage children into the habit of switching off things they aren't using

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Great days out don’t have to break the bank, as Kara shares her guide to the best FREE family days out in the UK.

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The first resources are suggested by Carers First

Carers Allowance: https://www.gov.uk/carers allowance/how -to-claim

The Carers Trust. This fund provides grants of up to £300 for individual carers over the age of 16. You can apply for funding towards an item or activity that will help you in your caring role. https://carers.org/grants-and-discounts/introduction

Respite association providing grants for breaks for carers https://respiteassociation.org/

Turn2us are a great place to look for Grants that a carer might be entitled to https://grants search.turn2us.org.uk/
or have a helpline of 0800 802 2000

Carers First has a page on grants to support carers which can be based on being a carer, age, your illness,
condition, current or previous occupation
https://www.carersfirst.org.uk/help-and-advice/topics/grants-to-support-you-as-a-carer/

It can also be a good idea to check with your local Carers Trust partners to see what grants they might be able to offer.

As a carer, there are hundreds of discounts available for all kinds of purchases. From the weekly shop, buying insurance or a day out have a look around and see how
carers can save money. https://www.carersfirst.org.uk/help-and-advice/topics/discounts-for-carers/

Discounts for Carers is free to join, offering thousands of discounts for carers through their website. Their members can save monthly on groceries, utility bills and transport. https://discountsforcarers.com/

Carers get free access with someone who gets a disability benefit for days out like Merlin attractions, concessions at Guillvers world, Carer Free ticket at Cadburys World, National Trust, English Heritage.

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You may be surprised how many charitable trusts exist, set up to provide grants to people in need. We explain how to find the grants you are eligible for and provide some examples.

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End of Year Review, 13 Dec
https://www.eventbrite.co.uk/e/474059764517

Food Banks, 14 Dec
https://www.eventbrite.co.uk/e/464999053687

Silent meeting, 12 Jan
https://www.eventbrite.co.uk/e/474208970797

Practical support in planning a funeral, 9 Feb
https://www.eventbrite.co.uk/e/392382696207

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Don’t pay for debt advice, try National Debtline or call them for free on: 0808 808 4000

Stepchange also gives free expert debt advice

If you have borrowed money informally and are being pressured to pay it back, the England Illegal Money Lending Team tackle loan sharks and can help you. Their 24 hour helpline is free and anonymous on 0300 555 2222. A call won’t commit you or anyone else to doing anything. Borrowing money from loan sharks isn’t illegal, only lending it, so you won’t get into trouble.

Breathing Space provides protections for people in England and Wales who are in debt: https://maps.org.uk/our-debt-work/breathing-space/

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Breathing Space is a debt respite scheme launched on 4 May 2021. It provides protections for people living in England and Wales who are in debt. This includes pausing enforcement action and contact from creditors, and freezing interest and charges on their debts.

We believe Breathing Space is a great opportunity for the debt advice sector and will improve outcomes for customers. The protections it will give customers will give them time and space to stabilise their financial situation, engage with advice and find a solution. This has the potential to encourage better engagement with debt advice and improve customer experience.

To ensure this opportunity is maximised, the Money and Pensions Service (MaPS) is supporting the debt advice sector with the implementation of Breathing Space.

The Money and Pensions Service, The Insolvency Service and Her Majesty's Treasury have been working together to deliver various elements of Breathing Space to support the debt sector with implementation of the scheme.

One element to support debt advisers with their knowledge of Breathing Space is the delivery of training. MaPS and The Money Advice Trust have worked in partnership to fund and develop a set of e-learning modules for this purpose. E-learning training has been developed to equip advisers to support their clients while applying Breathing Space scheme regulations to debt advice.

There are three e-learning modules :

Introduction to Breathing Space

Introduction to Mental Health Crisis Breathing Space, and

Breathing Space in practice.

Each module will take approximately 45 minutes to an hour to complete.

The training modules are now available to all debt advisers including advisers from local authorities and commercial providers in England and Wales. Advisers will be able to claim two CPD points once they have completed the training.

The courses are available on The Money Advice Trust's Wiseradviser website.

Debt advisers are encouraged to complete Breathing Space training as part of their learning and will need to set up Wiseradviser accounts to access this free training. If your organisation does not have access to Wiseradviser, please email contactus@moneyadvicetrust.org with the names and email addresses of those people within your organisation who will need access to the training.

It is a mandatory requirement for MaPS funded advisers to complete this training.

The specialist support service funded by MaPS and delivered by Shelter will be providing support with queries regarding Breathing Space.

This service does not cover queries that relate to the Insolvency Service online portal, which will need to be directed to the Insolvency Service.

Queries can be directed to Shelter in confidence:

While most customers will access Breathing Space through debt advice, customers receiving mental health crisis care treatment will enter via the mental health access mechanism (MHAM). Within this, advisers will enter individuals into Breathing Space after receiving evidence they are receiving crisis care from an approved mental health practitioner (AMHP).

The mental health access mechanism is a vital component of Breathing Space. It means vulnerable individuals not able to seek debt advice will still be able to receive protection. However, we believe that to ensure the full potential of the mechanism is reached, it is important that:

there is a clear, simple referral pathway, ensuring that busy mental health professionals do not have to spend time finding or choosing a provider

provider(s) taking referrals have significant expertise in supporting customers with severe mental health problems, to ensure the needs of the customer group are met

provider(s) taking referrals are able to support customers consistently and at scale, to ensure all customers receive high quality support regardless of their location or referrer.

As such, MaPS is supporting the mental health access mechanism by providing a single point of entry for the mechanism, making it clear to AMHPs where to refer via Rethink and Citizens Advice Cymru to deliver the MHAM in England and Wales respectively.

In England, MaPS is currently funding a pilot run by Rethink Mental Illness to support customers referred for a Mental Health Crisis Breathing Space. The pilot is establishing how best to support mental health crisis breathing space and customers in crisis more broadly. A longer-term partner for the service will be commissioned based on the learnings from the pilot.
Find out more about applying to Mental Health Breathing Space
MaPS will work with its suppliers to understand the impact of Breathing Space and, where possible, to harness the value of Breathing Space to customers while optimising operational efficiency.

This activity will seek to understand whether debt advice which includes a Breathing Space application requires greater effort than debt advice which does not, and to quantify and locate that effort in the debt advice journey.

Where supported by evidence, and where appropriate, MaPS will collaborate with its suppliers to minimise the impact of additional Breathing Space effort through the deployment of operational improvement resource.

In addition, MaPS will work with the mental health access mechanism provider to optimise the efficient, effective delivery of Mental Health Crisis Breathing Space.

Specialist resource will support the measurement of customer journeys, and the business processes which underpin them, to quickly identify typical journeys and opportunities to improve customer experience and operational efficiency.

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Breathing Space | The Money and Pensions Service

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Breathing Space is a debt respite scheme launched on 4 May 2021. It provides protections for people living in England and Wales who are in debt. This includes pausing enforcement action and contact from creditors, and freezing interest and charges on their debts.

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Turn2Us Benefits Calculator: https://benefits-calculator.turn2us.org.uk/
Entitled to Benefits Calculator: https://www.entitledto.co.uk/benefits-calculator/Intro/Home?cid=4a4e9de4-ba87-4c9e-b4d6-3835a4611a95

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View a list of payments available from the government for the rising cost of living. There are different amounts of money depending on your circumstances.

You can report a missing Cost of Living payment

Do beware – scammers are targeting people. You won’t be asked to apply by text, so don’t follow up a message to claim. No one calling about money given out by your council will ask you to share your bank details either.

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Practical help in planning a funeral, Feb 23, Down to Earth Quaker Social Action https://youtu.be/cjismmUi9EI

Cost of Living updates, Jan 23, Tom Brooke-Bullard of Citizens Advice, https://youtu.be/vF7010uHVZo

All about food banks for money guiders, Dec 22, Trussell Trust https://youtu.be/4G70izk3hKs

Body Wisdom, Nov 22, Farrah Idris: https://youtu.be/sDOUEPBS3MQ

Talk Money Week conference, Nov 22 with the Money and Pensions Service: www.moneyguidersconference.org.uk

Introduction to pensions, Nov 22, Money and Pensions Service: https://youtu.be/gWT25p4vZeI

Putting Carers First, Nov 22, Brian Myciuk, Carers First: https://youtu.be/NvktSfVxdRs

Supporting clients with budgeting and cashflow, Oct 22, Lorelei Freeman, Crosslight Advice: https://youtu.be/iMq5doTl_Ng

Wellbeing tools for money guidance practitioners, Oct 22, Mike, Birmingham Mind: https://youtu.be/gCMPYpaRwmg

MoneyHelper: handy free resources for you and the people who you guide, Sep 22, Monica Kaur, Money and Pensions Service: https://youtu.be/rt1KudVCmAM

Introduction to the Money Guiders Network, Aug 22, Lucille Roache and Jez Smith: https://youtu.be/dfP1vZjCPhI

Cost of Living - latest updates and policy discussion, Aug 22, Tom Brooke-Bullard, Citizens Advice: https://youtu.be/btrW8CnHSGI

Dealing with Debt, Jul 22, Helen Handzel, StepChange: https://youtu.be/5CdP2ECEAOg

Improving communications about money with Plain Numbers, Jun 22, Ben Perkins, Plain Numbers:

https://youtu.be/qOJpD1cie-M

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Introduction to the money guiders network