As a society, we are not very good about talking about money and our finances. Talking about finance in our everyday lives also helps us build financial confidence and resilience to face challenges we may face. This why our Flourish theme for November is #LetsTalkMoney.

Money undeniably causes stress in people’s lives. We know this second lockdown will impact on everyone in different ways whether that is physically, mentally or emotionally.

According to Talk Money, despite the COVID-19 crisis affecting our finances, 9 in 10 UK adults – that’s 47 million of us – don’t find it any easier to talk about money, or don’t even discuss it at all.

Money contributes to a large amount of arguments in relationships. However, despite its prevalence in our lives, it’s difficult for many people to speak comfortably about it.

COVID-19 welfare support
Within the City, a welfare and wellbeing team has been set up for cases or close contacts who have to isolate to support people with any welfare needs, from financial advice, sick pay forms, carers support as well as emergency food and some physical and mental wellbeing resources.

Further information can be found at https://www.newcastle.gov.uk/citylifeline and you can self-refer to this service using an online form or by calling 0800 170 7001.

The welfare and wellbeing team work Monday to Saturday from 8am to 8pm. Newcastle City Council has also produced a welfare checklist as a tool to support anyone having to isolate to be prepared and prevent crisis.

Welfare rights and benefits
Did you know that billions of pounds in benefit entitlements go unclaimed each year? Do you work part-time or have a low wage?

Do you or does anyone in your household have care or mobility needs?

Affordable credit and opportunities to save money

Credit offered by high street banks might not be an option for everyone, but there are better deals than doorstop lenders, payday loan companies or other high interest credit providers out there.

Did you know that even with a poor credit rating or low income there are organisations who may offer credit with affordable interest rates at a maximum of 42.6%?

 

You could be entitled to additional income if you:

Have care or have mobility needs – you may be able to claim Personal Independence Payment if they’re aged 16 to pension age and Attendance Allowance for care needs if they’re pension age or over.

Children aged under 16 with care or mobility needs may be entitled to Disability Living Allowance

Are not able to work – you may be able to claim contribution based Employment and Support Allowance and Universal Credit, which has replaced income related Employment and Support Allowance

Have a low income – you may be able to claim various means tested benefits and older people may be able to claim Pension Credit and Housing Benefit

Universal Credit
Universal credit has been rolled out to Newcastle, so it is important to understand who it applies to and the support that may be available to avoid problems.

Moneywise Credit Union has a range of loan options to suit members’ needs.

  • Adult Savings Accounts
  • Junior Savings Accounts
  • Community group accounts
  • Credit Repair Loans
  • Engage Bank Account
  • Budget Account
  • Family Loan
  • Own Comforts
  • Just Borrow
  • Christmas Saver
  • Pay as You Prom
  • Rent Account

Newcastle hospitals are a member of Moneywise Payroll Saving Scheme. Find out more: https://www.moneywise.org.uk/payroll-

Part of the commitment when joining a credit union means saving as you repay your loan. For more information visit www.moneywise.org.uk or telephone 0191 276 7963.

Virtual Interactive Events: Managing Your Money

Join the Money Advice Service for a series of interactive learning conversations on managing your money with their experts and partners.

The Money Advice Service will take you through a range of supportive topics to help you get on top of your finances and/or to help you support others with theirs.

The following dates are scheduled and will run from 4pm – 5pm:

Thursday 12 November 2020 – Dreams, goals and financial plans whilst making your money work for you
Thursday 26 November 2020 – Tales of the unexpected, preparing for life’s ups and downs
Thursday 10 December 2020 – Planning for your pension

Event access details will be advertised online 48 hours before the event is due to start here.

Don’t worry if you miss an event. All webinars will be recorded and uploaded to the NHS people website.

Wider Free Wellbeing Support Available to NHS Employees

All our NHS employees are able to access a variety of free health and wellbeing support on the people.nhs.uk website, including apps, helplines, therapy services, guidelines and development.

Money Mentors

One-to-one 30 minute telephone calls with a Barclay’s financial mentor can be arranged for the following dates:

Monday 9 November
Wednesday 11 November
Friday 13 November
Tuesday 17 November
Thursday 19 November

Appointments booked via email and a suitable time is agreed to call back.

Common topics include:

– Opening an account or reviewing your account
– Mortgages for your home or buy-to-let investments
– Saving or borrowing
– Planning for the future
– Staying safe from fraud

You can book an appointment by emailing jerzy.jochimek1@barclays.com and specify that you wish to have a money mentor one-to-one appointment.

Barclay’s financial wellbeing

We have arranged for Barclays to hold some financial wellbeing webinars and one-to-one sessions for staff.

Webinars

These sessions will last 25 minutes (depending on session) with a maximum of 15 participants per session.

They will be delivered on via Cisco WebEx, which can be accessed on phone as well as other devices.

Secure and no need to download app. Participants will have their cameras turned off and are ‘muted’ until the end of the session when they are ‘unmuted’ for questions and discussion. If you do not feel confident to ask questions can contact ‘Money Mentors’ after the webinar.

Barclays are prepared to deliver three sessions per week throughout November.

Sessions include:

Clarity: Managing your Finances
  Monday 9 November, 10am – 10.45am                                                       Wednesday 11 November, 11am – 11.45am                                                 Friday 13 November, 1pm – 1.45pm                                                             Tuesday 17 November, 2pm – 2.45pm                                                       Thursday 19 November, 3pm – 3.45pm
– Budget Planning
– Budget Maintenance
– Debt Management
– Want vs Need
– Spending Triggers
– Saving Tips & Signposting
– Lending and Credit Scoring (very brief)

Breathe
Time & Date TBC
– Debt Management
– The Right Lending Option for You
– Debt Consolidation
– Charity Support
*This session tends to lead participants to accessing individual guidance from money mentors

Certainty
Time & Date TBC
– Savings
– ISAs
– Tips and Signposting
*This session tends to lead participants to accessing individual guidance from money mentors

First Time Buyers
Time & Date TBC
– ISA
– LISA
-Spring Board Mortgages
– Credit Scoring, etc.

Safety
Time & Date TBC
– Online security
– Staying safe online
– Scams, signs etc.

You will need to book onto a session by emailing jerzy.jochimek1@barclays.com specifying which webinar you wish to attend.

Useful links

Housing and homelessness prevention

If you’re experiencing housing issues, are threatened with homelessness or are sleeping between family and friends’ homes talk in confidence.

– Prevent a homelessness situation from occurring, if possible

– Explain homelessness prevention and what happens at each stage

– Assist in locating alternative accommodation, such as a housing association, local authority or privately rented property, if staying in the current home isn’t possible

There is a wide range of advice and support available in Newcastle. The Housing Advice Centre can help you, or the resident you’re working with, to understand the different options available to solve their housing problems. The earlier someone gets in touch, the more likely it is that they can get help.

Energy advice and support

Living in a cold home can damage health and affect the quality of your life. If you’re unsure about your energy bills or struggling to afford heating talk to someone who can help.

Shelter

140-150 Pilgrim Street, Newcastle upon Tyne, NE1 6TH Phone 0344 515 1601
Email shelternortheast@shelter.org.uk

Citizens Advice Newcastle

Floor 4, City Library, 33 New Bridge Street West, Newcastle upon Tyne, NE1 8AX Tel: 03442 451 288 Email: citycab@newcastlecab.org.uk

Your Homes Newcastle Your Homes

Newcastle tenants can contact an Advice and Support Worker at their nearest Community Housing Office by phone on 0191 278 8600 or email yhn@yhn.org.uk

Private Rented Service

Private rented tenants can contact Newcastle City Council’s Private Rented Service Tel: 0191 277 1438 or email privaterentedservice@newcastle.gov.uk
Details of the provision of emergency, free and low cost food in Newcastle can be found at www.informationnow/org.uk

Where to get advice in Newcastle

https://www.newcastle.gov.uk/sites/default/files/Where%20to%20Get%20Advice%20_June_2020.pdf

Financial inclusion – information for professionals and volunteers

https://www.newcastle.gov.uk/services/welfare-benefits/welfare-rights-and-money-advice/information-professionals-and-volunteers

Housing advice and homelessness

https://www.newcastle.gov.uk/services/housing/housing-advice-and-homelessness

Information Now

www.informationnow.org.uk

Housing pathways document

https://www.newcastle.gov.uk/services/housing/housing-advice-and-homelessness/information-professionals/pathways-clarifying

Energy advice and support Newcastle City Council Energy Services

for energy and fuel debt advice
0191 278 3427
email energy@newcastle.gov.uk or visit https://www.newcastle.gov.uk/services/environment-and-waste/energy-services

Citizens Advice Newcastle

They have a dedicated team offering energy and fuel debt advice
Tel: 0300 330 9055
Visit www.citizensadvicenewcastle.org.uk for details of their drop in sessions and opening hours

Energy advice and information in Newcastle upon Tyne

Provides details of trusted organisations offering energy advice and information plus handy energy saving tips: https://www.newcastle.gov.uk/sites/default/files/Energy%20advice%20and%20information%20January%202019.pdf

Financial Wellbeing Support Money Advice Service

Money Advice Service, an organisation who work to improve people’s financial wellbeing across the UK, provides free and independent financial support.

In partnership with the NHS and NHS improvement, they have a variety of offers that you are able to engage with personally, or signpost colleagues to who may need this support.

You can get guidance on COVID-19 financial programmes here: https://www.moneyadviceservice.org.uk/en/hub/coronavirus-money-guidance
Support Line: Free and impartial money advice

You can contact the Money Advice Service support lines in the following ways for free confidential and impartial money advice:

Free-Phone Line

0800 448 0826
Monday to Friday 8am – 6pm
Type talk: 18001 0800 915 4622

Text WhatsApp

Add +44 7701 342 744 to your WhatsApp to start a supportive text conversation on debt, credit or pensions guidance

Web Chat

Chat on their online portal via this link

Online Support

You can find a number of financial wellbeing and resources to make your money work better for you on the NHS people website.

Your Homes Newcastle tenants

Tel: 0191 278 8600 or email yhn@yhn.org.uk

Citizens Advice Newcastle

Tel: 0300 330 9055 or visit www.citizensadvicenewcastle.org.uk for details of their drop in sessions and opening hours

The Welfare Rights service

Offers a daily public consultancy telephone line.
Tel: 0191 277 2627
Lines are open Monday to Friday 9.30am to 12.00 noon

Details of advice services in Newcastle are available at www.newcastle.gov.uk/welfarerights

Revenues and Benefits

For help with rent, contact Universal Credit on 0800 328 5644 or visit Revenues and Benefits at www.newcastle.gov.uk/benefits-and-council-tax

Jobcentre Plus

Enquiring about working age benefits, such as Universal Credit or Employment and Support Allowance contact Jobcentre Plus
Tel: 0800 055 6688

Work financial support

Find out more about in work financial support, such as Tax Credits, contact the

Tax Credit helpline

Tel: 0845 300 390
Department for Work and Pensions (DWP)
Find out more about disability benefits, such as Personal Independence Payment by contacting the Department for Work and Pensions (DWP)
Tel: 0800 917 2222

Universal Credit

in Newcastle see www.newcastle.gov.uk/universalcredit

Keep these useful numbers with you, print, cut out and keep in your wallet.

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