SUMMER 2018
M O N E Y
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H E L P
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A D V I C E
Inside:
ARE YOU READY FOR UNIVERSAL CREDIT DEBT ADVICE TENANT SUCCESS STORIES GETTING INTO WORK AND LOTS MORE!
l a s r e v i Un redit C L S
A I C PE
WELCOME
Contents 03 Welcome 04 The Money Wise Team 06 Are You Ready for
Universal Credit
08 Universal Credit
- Be Prepared
09 Universal Credit is Here 10 In-house Debt Advice Service
11 12
Passport to Progression
Universal Credit Claimant Commitment
14 16 18
Simon’s Story Be Like BOB
Worried About Your Debts?
20 Gov.uk Verify 21 Homeswapper 22 Food Co-ops & Foodbanks 24 Work & Skills Wise 24 Journey 2 Work 26 Business Through Work
28 29
& Skills Wise
34 The Trouble with Gambling 35 Are you on the Right Water
Tariff?
36 Social Inclusion 37 Housing Resettlement 38 Housing & Wellbeing 39 Tenancy Coaching
Budgeting Loans
Work & Skills Wise Bursary
30 Volunteering 30 Computers in the Community
32 Credit Union 33 Money Saving Tips
If you would like this Newsletter in a different format (e.g. large print, electronically, etc.) or in Welsh please contact Louise Davies on 01495 761104 or email louise.davies@monmouthshirehousing.co.uk 0345 677 2277 customerservices@monmouthshirehousing.co.uk www.monmouthshirehousing.co.uk facebook.com/Monmouthshire.Housing twitter.com/mon_housing instagram.com/monhousing
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www.monmouthshirehousing.co.uk
Scan the QR code to access the MHA website.
Struggling to Pay Your Rent? We Can Help - 0345 677 2277 our tenants in their homes, turn to pages 36 to 39 and read about the fantastic work they do. As always our Money Wise team are on hand and available to provide advice on debt and benefit matters. If you’re struggling with debt or, are not sure whether you can make a claim for benefits turn to page 4 & 5 and see what our Money Wise team can offer you.
Hello and welcome to this Universal Credit special edition of Money Matters For those of you who are still not aware of the major Government changes to the benefit system, which have led to the introduction of Universal Credit (also referred to as UC), this edition will hopefully shed some light and, provide you with the information you need to ensure that you can manage the transition on to Universal Credit. What is important is to remember UC is coming and it is likely to affect you at some point if you are receiving benefits. This will kick start for some of you in June this year - so it’s important to have the information to hand which will assist you. Pages 6 - 10 covers exactly what UC is and introduces Cally our UC specialist who is available to support you when you start claiming UC.
A major feature of UC is that your housing costs (which used to be called Housing Benefit) will now be paid to you! The key is to remember that unlike before where you had no involvement in ensuring payment reached us, you will now have to make arrangements to pay us. Please make sure you take advantage of the advice, guidance and tips provided to ensure you don’t fall in the trap of getting into endless debt with MHA and lose your home. Your home is one of your most important assets so don’t lose it! Those of you who will not be affected by UC we haven’t forgotten you either. The support we refer to is available to all our tenants. For example we have a whole section dedicated to our support and wellbeing team and the kind of work they do to help
This year we have launched our exciting programme called ‘Passport to’. Page 11 covers what the passport programmes are and how they can help you get a job in Construction, Care, Retail, Hospitality and Administration. If you have been out of employment for a long time and do not feel confident about getting back into work and need tailored support turn to pages 24 & 25 to find out about the Journey to Work project. This is an exciting project that can help those that are less confident in getting a job. We also have some great success stories turn to page 15 & 26 to read about Simon Lane and Caroline Botchett and how they have benefited from our support. If you have got any ideas and things you would like us to cover in the next edition contact me - I look forward to hearing from you. For now have a lovely summer break and we will be back with our winter edition of Money Matters during the latter part of this year.
Farida Aslam
E: Farida.aslam@ monmouthshirehousing.co.uk T: 01495 761116 twitter.com/mon_housing
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UNIVERSAL CREDIT SPECIAL
Meet My name is Abi and I work as a specialist Money Advisors. I’ve been a Money Advisor since early 2000 – I enjoying helping tenants manage their finances – it can become overwhelming when debt problems become out of control, many customers I see end up burying their head in the sand as they just don’t know where to turn to. My advice is remember there is usually a solution to most money related problems. If you need money advice, or support with managing debt, please contact me and I will be happy to help. The advice we offer is free, independent and confidential.
Hi, I’m Matt – I work as the Money and Benefits Advisors for the South of the county covering Chepstow and Caldicot areas in the main. I can help with applying for and appealing benefits –with the introduction of Universal Credit we are expecting to hear from many more tenants with benefits related enquires. In order to ensure that we offer our service in a timely fashion I will be providing telephone advice in the coming weeks and months. For advice on any benefit matters call me on 01495 767 182 or email matthew.taylor@ monmouthshirehousing.co.uk.
You can contact me on 01495 767194, text me on 07725 824 800 or email abigail.lewis@ monmouthshirehousing.co.uk
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Hello, my name is Rebecca and I currently work as an Administrator in the Moneywise Team. I manage the appointment booking system on behalf of the Moneywise Advisors. If you require any advice on your money matters, then you are likely to speak with me at some point – I try to make and book appointments that are most convenient for you and the advisors. The initial appointments that we offer are usually over the phone, follow up appointments can be offered in your home if needed. If you want advice and support and need to book appointments with the moneywise advisors then please give me a call on 01495 745773. My working days are Monday, Tuesday, Thursday and Friday.
Struggling to Pay Your Rent? We Can Help - 0345 677 2277
the Team Hi my name is Claire and I have been working for MHA since August 2017, I work Monday and Tuesdays covering Abergavenny and Monmouth. I can assist with all aspects of benefit and budgeting issues. Universal Credit is the subject on most people’s lips at the moment and it is coming your way, please make sure that you are prepared and proactive to make the transition as smoothly as possible. If you need assistance please do not hesitate to get in touch on 01495 76100, 07816 220 881 or e-mail claire.freeman@ monmouthshirehousing.co.uk
The DWP has recently set up a free of charge Universal Credit Helpline to answer questions on Universal Credit and to help people make an online claim. To get in touch with the DWP for help with your claim call 0800 328 5644. For online support and advice from the DWP visit www. understandinguniversalcredit. gov.uk
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UNIVERSAL CREDIT SPECIAL
? t i d e r C l a s r e v i n U r o f There are a number of key things to remember with the new benefit Universal Credit. In this article we explain what is changing and list the 5 main things we think you should think about to help you prepare.
What does Universal Credit mean for you?
What is changing and how can you prepare?
It means if you are claiming any of the below you will be affected: • Housing Benefit • Working Tax Credits • Job Seekers Allowance • Employment Support Allowance • Income Support
1. UC will be paid via Monthly payments
Over the next few years the above benefits will be replaced by Universal Credit. These changes will affect working and non-working households and you will be affected sooner if you have a change in circumstances such as: • Change in employment status • Birth of child • Moving out of area • Relationship changes in household
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Think about whether you need to: • Change the way you pay your bills? • Adjust your Direct Debits, Standing Orders? • Start completing a monthly Budget Sheets to understand your finances • Log on to the www. moneyadviceservice.org.uk for further advice on managing money • Log on to the UC page www. gov.uk/universal-credit to find out more
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What can Money Wise do? If you are already in debt you may find it hard to manage your money going forward. Money Wise Debt advice services can offer debt advice and may be able to help if you are in arrears. If you are concerned about any aspect of your UC claim please speak to our UC specialist Cally who will help out in all initial aspects of setting up your claim. Turn to page 10 to find out more.
2. You will have to wait for at least 4-5 weeks to qualify and receive your first payment. Think about whether you can: • Manage with the delay in payment? • Start saving now?
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What can Money Wise do? We can work with the DWP to request an Advance Payment which will help tide you over in the interim period. We work closely with the Gateway Credit Union and can offer you help with savings – by signing you up to open a Credit Union account paying your joining fee and depositing £10 to help towards your savings.
3. Payments will be made into a Bank Account Think about: • Whether you have an active bank account that will allow payments to be received • Whether you need help with opening a bank account
What can Money Wise do? The Money Wise team can assist you in opening a bank account and advise you on the different types of account that are available.
4. You need to make payment for your rent to MHA • You no longer will be able to rely on Housing Benefit to pay you rent and will have to pay it to us yourself. • You will need to set up a Direct Debit or Standing Order to make payment to MHA What can Money Wise do? Either us, your Income officer or UC Specialist Cally can help you identify when your money is due each month and help you set up a Direct Debt or Standing Order for the most appropriate date. If you know what your payment date is you can set this up through speaking to your bank.
5. You have to apply for Council Tax Reduction • Your housing cost paid via UC does not include Council Tax • You will need to apply for Council Tax separately via contacting MCC on 01633 644630, email counciltax@ monmouthshire.gov.uk or apply online at www. monmouthshire.gov.uk/helpwith-your-council-tax What can Money Wise do? We can help you apply for the Council Tax reduction scheme to ensure that this is still in payment when you move over to UC.
Please contact the Money wise Team for help and advice. Their contact details can be found on pages 4 & 5. twitter.com/mon_housing
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UNIVERSAL CREDIT SPECIAL
UNIVERSAL CREDIT:
BE PREPARED STOP GET READY
1. Stop & think 2. Understand what Universal Credit (UC) is 3. Know when it’s going to hit you 1. Six weeks = no cash 2. Manage your debts & start budgeting 3. Get online
(& Verify registration, see page 20)
GO
1. Open a bank account 2. Start saving 3. Tell us as soon as you are asked to apply for UC
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MHA0719
Struggling to Pay Your Rent? We Can Help - 0345 677 2277
Universal Credit is here The wait is over, Universal Credit has been rolled out in Monmouthshire and for many people this will be a huge change requiring you to learn new skills. But don’t worry Monmouthshire Housing are here to help!
Jargon Buster My name is Cally McCarthy and I’m MHA’s Universal Credit Specialist my role will be to help you the first few weeks of making a new claim.
When you first claim Universal Credit you may find it confusing. Here are some jargon busters to help you.
• Payable Rent: You will be asked this at point of claim, Below are the some of the even if you have never paid ways we can help: us rent directly you will have payable rent • Managing your rent: You • Advanced Payment: If you will need to set up a payment are struggling in the first few method with us and stop your weeks without any income arrears from spiralling you can apply for an advanced • Budgeting: Some of you will payment which will be paid need to learn how to budget back directly from your claim monthly and weather the five over the following months. week wait • APA - Alternative Payment • Accessing the internet: You Arrangements: This is were we will need to access to the can request that housing costs internet to manage your claim. comes directly to the landlord We can help you manage your if you feel you are unable to claim online via DWP website. manage paying your rent • Support: We can help you look • TPD - Third party deduction: for work, appeal benefits and This is referring to money entitlement checks and provide that you owe via third parties help in hardship such as water rates and rent arrears which can be deducted Please contact me on 01495 761 automatically from your claim 004 for more information.
• PBS: Personal Budgeting support should be advised at point of claim with your work coach and something that can be offered by the local authority in your area • ADS: Assisted Digital support should be advised at point of claim with your work coach and something that can be offered by the local authority in your area. You will need to access and update your claim online so it’s really important to access support if you will need help with this • Claimant Commitment: A record of the responsibilities you have accepted in return for receiving Universal Credit
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UNIVERSAL CREDIT SPECIAL
In arrears or in debt? Don’t know where to turn?
Speak to our in house debt service
MHA offers our The types of things we tenants who are in regularly help with are: rent arrears specialist • Obtaining credit reports • MCC council tax debts debt advice. We • Bailiffs understand that • Helping you with tax debts or fines to HMRC if you have rent • Helping you renegotiate arrears, you may with doorstep lenders like Loansathome and Provident have other problem • Helping you with loan to buy debts and our aim is companies like Bright House or Perfect Home to help relieve your • Court fines stress and make • Benefit overpayments • Unaffordable loans, overdrafts, sure your rent is credit cards affordable. There is • Unaffordable car finance • Payday loans no charge and all This list is not exhaustive and information is private if you have any kind of debts and confidential. we are here to help. Here is an
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example of how we can help (names and some details have been changed to protect the privacy of our tenants). Mr www.monmouthshirehousing.co.uk
and Mrs Davies contacted us because they had council tax arrears, which amounted to over £5000 and had been taken to court. The court had decided to deduct a high amount directly from their wages. This put them in financial difficulty causing them to slip into rent arrears. Our debt advisor was able to make an affordable agreement with the Council, using the Standard Financial Statement, to stop them from contacting Mr and Mrs Davies employers and deducting high amounts from their wages.
The good thing about problem debt is that there is always always a way out, no matter how bad it seems. There are various solutions available to resolve debt so don’t struggle in silence. Give us a call on 0345 677 2277 and we will be happy to help or speak to Abi directly (see page 4 for her contact details).
Struggling to Pay Your Rent? We Can Help - 0345 677 2277
Passport to Construction
MHA launches its Passport to Progression Programme It has been a really exciting time here at MHA. We have been working hard to develop our “Passport to Progression” programme to help our tenants enter and progress into employment. This programme will provide our tenants and service users with a pathway into employment but also supports service users to progress to the next level in their chosen profession. The professions that we have identified that we can help you with are: 1. Construction 2. Care 3. Retail 4. Hospitality 5. Administration Our first passport programme – Passport to construction was launched in January and we will be running phase two of the programme in the winter. If you want to get into construction call our Work and Skills Wise team to secure your place on the programme.
Our second programme will be Passport to Care, which will be starting in June 2018. If you have always wanted a career in the care sector but are unsure how to get into it, contact us to see how we can help get you a work placement and interview that could lead to paid work. Our third programme that we are looking to offer in September is the Passport to Retail. If you want to work in retail but have never had the opportunity. This programme will provide you a step by step guide into getting a job in retail, help you secure a work placement and support you with interviews, with the hope of you getting a paid job at the end of the programme. 2019 will see us launch Passport to Hospitality and Administration so watch this space! If you have an interest in working in Care, Retail or Construction contact us and we can help you! Turn to page 24 for more information on the Work & Skills Wise team.
Our Ground-breaking Development One This year we launched our first development of construction operatives. A number of candidates were offered a two week training course tailored at the construction industry. Our participants undertook training to obtain their CSCS card, and other site safety qualifications needed to access the construction sites. Following on from this, Work & Skills Wise arranged interviews for 2 Site Operative vacancies which were secured by Passport to Construction participants. We are working with various partners to deliver this programme and participants will receive a significant amount of free training and practical experience. If you would you like a career within the Construction industry and want to part of our next development of candidate entering the construction arena register your interest by contacting the Work & Skills Wise team on 01495 745769 or W&SW@ monmouthshirehousing.co.uk twitter.com/mon_housing
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t n e m t i m m Claimant Co
When you claim Universal Credit you will be expected to sign up to and agree to a Claimant Commitment. What is the Claimant Commitment?
How is the Claimant Commitment drawn up?
The Claimant Commitment is your record of the responsibilities that you have accepted in return for receiving Universal Credit.
In most cases your Claimant Commitment will be drawn up during a conversation with your work coach at your local jobcentre.
What is included in the Claimant Commitment? Your Claimant Commitment will set out what you have agreed to do to, prepare for and look for work or, increase your earnings if you are already working. Your Claimant Commitment will be based on your personal circumstances and will be reviewed and updated on an ongoing basis.
Each time it is updated, you will need to accept that you agree to what is stated in the new Claimant Commitment agreement in order to keep receiving Universal Credit.
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What will happen if I don’t do what has been agreed in my commitment? Your Claimant Commitment will include the consequences of not meeting your commitments. Your Universal Credit payments could stop and you could be sanctioned if you don’t meet your responsibilities. If you fail to meet one of your responsibilities and can’t give a good reason to explain why, depending on what you failed to do and how many times you have failed to meet your responsibilities, a sanction can last for up to three years. This means no money or reduced money!
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Where can I get help if I am sanctioned? You can get support from the Money Wise team at MHA to help you if you have been sanctioned – turn to page 4 to find out more. Remember to avoid being sanctioned make sure you fulfil your actions under your Claimant Commitment.
How do I update my Claimant Commitment? To claim Universal Credit you will need to have an online account, it is within this online account that you will be able to view your latest Claimant Commitment and you will be able to use this online system called the “journal” to update your progress on your goals using that account. This may be linked to your Universal Job-match account.
Do both partners in a claim need to update the Claimant Commitment? If you claim Universal Credit as a couple, both of you will need to accept a Claimant Commitment. You will each have your own
Claimant Commitment, and yours may be affected if your partner starts work or their circumstances change.
What if there is a change in my Circumstances? Universal Credit changes as things change in your life. Your responsibilities will vary depending on such things as your family, your health and your potential for future earnings – it is your job to keep your Universal Credit information up to date.
What help can I get from my work coach? With Universal Credit, you will experience a different type of relationship with your work coach than you may have expected. You work coach will focus on mentoring and coaching you, to help you meet the requirements recorded in your Claimant Commitment.
expectations of what you can achieve. If you are able to look or prepare for work, your Claimant Commitment will include things like your job goals, regular work search activity, or any work preparation actions that you must complete to receive Universal Credit. Work search activity could involve registering with Universal Jobmatch or a recruitment agency, or applying for suggested vacancies. Work preparation activity could include preparing a CV or attending and completing a training course. You could also be expected to attend regular interviews to discuss progress. You should think of job seeking as a full-time job. You will be expected to look or prepare for work for 35 hours a week, depending on your circumstances.
You will be provided with support, which will challenge you to fulfil your potential and help you to raise your twitter.com/mon_housing
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“Universal Credit has been a battle. I really feel I’ve been very close to disaster because of it.”
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Simon’s Story Moving onto UC and into a career in construction
After losing his job working in a warehouse earlier this year, MHA tenant Simon was invited to apply for the government’s new Universal Credit system. Universal Credit is a single, monthly payment replacing Jobseeker’s Allowance and other work-related benefits. Although the system is designed to work more effectively for people taking up work, Simon’s experience of moving onto Universal Credit has left him with significant rent arrears, needing to borrow cash from friends and family and reliant on his local foodbank to feed himself.
payment was adjusted to take this into consideration. Universal Credit adjusts according to any wages someone has coming in, in theory to help those who move into work. He’s now receiving his monthly payment, but remains sceptical about the system.
towards a career in construction by enrolling him on the Work & Skills Wise ‘Passport to Construction’ programme, This programme developed Simon’s skills in all areas of the job application process from search and creating a strong CV to preparing for interview.
Simon, 41, explains: “After applying for Universal Credit I had to wait over six weeks before I got any sort of payment. That’s what’s caused a lot of the problems. My rent arrears went up and up, I had no cash at all and I was worried about how I’d cope. I don’t know how I got by really.”
“I think Universal Credit will make others homeless. I’ve been lucky as I have family and my girlfriend nearby and I’ve been able to ask them for help. Claire has been amazing too, I know she’s at the other end of the phone if I need help and I’m grateful to MHA, as I know I could have ended up losing my home. But for those without that kind of support, I think lots of people could become homeless.”
Since working with Cath, Simon has completed training and construction related certificates including; Health & Safety in the Workplace and is now volunteering with MHA’s Oakly Way subcontractors.
Finally, Simon’s first Universal Credit payment arrived, but it wasn’t even enough to cover his rent, let alone the arrears he’d built up. After explaining the situation to MHA Income Officer Claire Osman, Simon was able to agree a payment plan to pay off his arrears and keep a roof over his head. Claire also helped Simon access the foodbank by giving him a voucher after hearing about how much he’d been struggling. As he found work, briefly, towards the end of his application period, the initial
What Happened Next?
Since moving onto Universal Credit and working towards reducing this rent arrears, Simon decided he wanted to gain a trade in the construction industry. Unsure where to start, Claire was able to refer Simon to Cath Murray through MHA’s Work & Skills Wise Service.
Simon has progressed hugely through this training he has created friendships with fellow MHA tenants and is now looking to undertake some volunteering work in the construction industry to increase his experience and help him move into a career in a job he has always wanted to do and perhaps even start a multitrade college course. If you are looking for employment and Simon’s story has inspired you to take action, call the Work & Skills Wise team for assistance 01495 745769 or email wsw@ monmouthshirehousing.co.uk
Cath was able to help Simon identify his goals and move twitter.com/mon_housing
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UNIVERSAL CREDIT SPECIAL
BOB is ready for Universal Credit Be like BOB - Bank, go Online, Budget
W
Banking
Online
Budgeting
Universal Credit can be paid into a bank or credit union account. Set one up or use the one you have
All claims are managed online, so you need to know where you can access the internet and you need the skills to go online
You need to plan your budget. Universal Credit is paid monthly rather than weekly or fortnightly
U b p
It’ • •
What else did BOB do? I made an email address: bob_belikeme@uc.com I registered on: www.gov.uk/verify
• I started saving each week so I had money before my first UC payment. (it takes at least five or six weeks for your first payment to arrive after you make your claim)
• •
W We can help you! If you need advice about Banking, getting Online, Budgeting, or anything Universal Credit-related, our Money Advice Team can help.
Universal Credit
• •
Please contact us:
•
0345 677 277
•
www.monmouthshirehousing. co.uk
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•
•
D co
Struggling to Pay Your Rent? We Can Help - 0345 677 2277
Do you want to pay less for your energy? If your energy bills are rising My Home Energy Switch could help you. My Home Energy offers competitive energy tariffs that could help you save money on your energy bills.
Call them for free on 0800 0014 706 or visit www. myhomeenergyswitch. org.uk to find out if they can help you. twitter.com/mon_housing
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There is always help at hand... and It’s not just the MHA who can help you Step Change, Pay Plan, Shelter and Citizens Advice are a few of the organisation who offer free, impartial debt advice and have a range of practical support available. They understand being in debt can be stressful and it can seem like you will never be free. These organisations can help you pay back everything you owe, help budget your finances and get you out of debt completely.
Over the phone support
Step Change
Step Change and Pay Plan can help you set up a Debt Management Plan which allows you to repay your debts by making one affordable payment each month. As well as advice on what other options are available to you from Individual Voluntary Arrangements, debt relief orders to debt settlements.
• Free over the phone advice and support to speak • Support for as long as your need • Help provide a debt solution tailored to your needs • Online self-management management debt tool, Debt Remedy, which can help you work out what options are available to you • To speak to a Step Change advisor call 0800 138 1111 or visit www.stepchange.org
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Struggling to Pay Your Rent? We Can Help - 0345 677 2277
Pay Plan
Citizens Advice
• Free over the phone advice and support • Website live chat advisors and online Debt Help Form • Advice and support tailored to your situation and needs • To speak to a Pay Plan advisor call 0808 250 4545 or visit www.payplan.com
• Face to face, over the phone and online advice and support • Cheptsow: drop in and generalist advice sessions between 10am-3pm Monday – Thursday at The Gate House High Street • Monmouth: Specialist debt advice Wednesday 10am-2pm 23a Whitecross Street • Caldicot: Open door debt specialist appointments Thursday 10am-1pm 5a Church Road • Abergavenny: Advice Session by appointment only Debt & Health Benefits Advice. Wednesday 10am-3pm 19 a&b Cross Street
Face to Face Support Citizens Advice Bureau (CAB) and Shelter provide booked appointments offering debt advice. Support from these organisations can also be found online including budgeting tools to example letters to creditors.
• For more advice call the advice line on 03444 772 020 (calls are charged) or visit www. citizensadvice.org.uk/wales/ debt-and-money
Shelter • Chepstow: Appointment only, fortnightly Thursday 2pm-4pm booked by the CAB. Call 01291 62 2660 for information • The expert debt advice team provide phone based advice on 0345 075 5005 MondayFriday 9.30am -4pm (calls are charged) • Online advice can be found at www.sheltercymru.org.uk/ get-advice/money-advice
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STOP! You need to know this
GOV.UK Verify
Everything you need to know What is it?
How it works?
What are the issues?
Verify is the new secure way to prove who you are online that the Government is rolling out. Replacing the Government Gateway, anyone applying for Universal Credit online will have to use Verify.
The government has identified certain partner companies who already hold data to confirm your identity. In theory, removing the need for a central database and keeping your personal data secure.
Although the government claim this is a simple process taking only 15 minutes to complete, there have been some problems. One of the major issues is around a persons digital footprint or the trail of information created by someone as a result of their internet use, from the websites visited to information submitted to online services. For those without a digital footprint (quite often benefit claimants) the new system is finding it hard to find enough data to verify their identity.
Verify is a new way of proving who you are online by creating and Identity Account. Once this has been set up you will be able to use a range of government services like applying for benefits and viewing you’re driving license. As Universal Credit is applied for online, you will need to create a verify account as part of the application process.
Top Tip:
Have ID and personal information to hand when applying.
During the application process you will be asked a few questions and then to choose one of the partner companies who will confirm if you are really you by checking records by mobile phone providers, credit agencies, the passport office or the DVLA. Once your identity has been confirmed you can continue to apply for Universal Credit.
Partner Companies: • Barclays • CitizenSafe • Digidentity • Experian • Post Office • Royal Mail • SecureIdentity
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This has affected new Universal Credit claimants in particular. With one of the biggest reasons for a failed UC claim being problems with identity confirmation. It has been estimated that only one third of UC claimants were able to successfully use Verify and even DWP staff having difficulties with the system.
What happens if I cannot verify my identity? If for some reason you cannot verify your identity online you will need to book an appointment with the Job Centre so they can do this person, which could slow down the UC claiming process.
Struggling to Pay Your Rent? We Can Help - 0345 677 2277
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When times ...Food Co-Ops A food co-op is a simple way of buying fresh fruit and vegetables, in your community, whilst supporting a local business. Food co-ops are run weekly by volunteers from a community venue such as a school, community centre or workplace. Produce sold through food co-ops comes directly from local suppliers such as farmers, retailers or wholesalers, who select fresh fruit and vegetables according to seasonality, availability and value. Why not come along? Food co-ops are welcoming, fun and open to everyone. Simply turn up on the allocated time/day, order your bags (around £3-£4 each), pay and then collect your fresh produce the following week.
Cornerstone Centre 2/3 Horsingtons Yard, Lion Street, NP7 5PN
Abergavenny Greenfingers
ACE
(Weds 10-3pm) Melville Centre, Pen-y-Pound Road, NP7 5UD
(Weds) 29a Hillcrest Road, NP7 6BN
...Meal Saving Tips
Cooking doesn’t have to be expensive. These 4 tips can help you save as you shop Tip 1: Cook in bulk and freeze meals for another day. Tip 2: Plan your meals for the week and write a list of all the items you will need for each meal. Tip 3: Set a weekly budget and stick to it. Tip 4: Cook from scratch. 22 www.monmouthshirehousing.co.uk
What you’ll need: • Beef Mince • Onions • Mushrooms • Garlic
Bulwark Community Centre
(Tues 12-2pm Laburnam Wa Bulwark, NP16 5RF
Need a sauce? A simple tomato sauce is great for pastas, 3 meals 4 ingredients enchiladas, casseroles and can Cooking doesn’t have to be time be used for all three meals consuming and a few simple above. Just add spices to go ingredients can be used to make from Bolognese to Spanish to a range of cheap meals. Simply chili in no time! add veg (frozen is often the cheaper option), rice or pasta to Add these to your list: finish off your meal. • Chopped tomatoes • Tomato puree 3 Simple Meals: • Beef /chicken stock • Chili • Spices - can often be found for • Bolognese under £1 and one jar can be • Meatballs used multiple times.
Struggling to Pay Your Rent? We Can Help - 0345 677 2277
s get tough... ...Foodbanks Overmonnow Family Learning Centre (Fri 11-1pm) Overmonnow, NP25 5JA
Monmouth Monmouth Baptist Church 3 Monk Street, NP25 3LR
We all hit a ‘bump in the road’ now and again and there’s no shame in asking for a little help to get back on track. Just give your Neighbourhood Officer a call and speak to them about getting a voucher. Alternatively call on your local Citizen Advice Bureau. You can bring the voucher to your nearest foodbank centre where it can be exchanged for a parcel containing a minimum of three days’ nutritionally balanced food. Some foodbanks run a delivery service, which takes emergency food boxes to clients living in rural areas who cannot afford to get to a foodbank.
A typical food parcel includes:
y
m) ay,
Kymin View Primary School (Thur 3-3.45pm) Term Time Only Wyesham Road, Wyesham, NP25 3JR
Thornwell Primary School
Chepstow Methodist Church (Fri 10.30-11.30am) Albion Square, NP16 5DA
Bridge Church Unit 1a Critchcraft Bldgs, Bulwark Ind Est, NP16 5QZ
(Fri 3-3.45pm) Term Time Only Thornwell Road, Bulwark, NP16 5NT
• Cereal • Soup • Pasta • Rice
• Pasta sauce • Beans • Tinned meat • Tinned veg
• Tea/coffee • Tinned fruit • Biscuits
Many foodbanks also provide essential non-food items such as toiletries and hygiene products, helping people in crisis to maintain dignity and feel human again.
Dietary Requirements Chepstow
Caldicot
When visiting a foodbank centre, one of the volunteers will run through the food parcel packing list with you to check any special dietary requirements that you may have. If they have the facilities to do so, some foodbanks can also provide fresh food. Please get in touch with your local foodbank to find out more.
Raven House Trust Sandy Lane, NP26 4NA twitter.com/mon_housing
23
UNIVERSAL CREDIT SPECIAL
Our Work & Skills Wise Service can offer you help with developing your skills and experience to help you progress, grow and lead you into your next job as well as assisting you to progress in your chosen career. Work & Skills Wise can support you with: • Your personal employability needs • Create or update your CV • Build your confidence with Interview coaching and techniques
• Offer support with our accredited Jobs Seeking Skills Programme
Hi, my name’s Cath Murray and I am the Work & Skills Wise Advisor for South Monmouthshire in the Chepstow, Caldicot & surrounding areas.
Hello, my name is Helena Smith and I am the Work & Skills Wise Advisor for North Monmouthshire in the Monmouth, Abergavenny & surrounding areas. 2017 was a great year for Work & Skills Wise clients and we have got record numbers of these service users into employment. We hope to do the same again this year.
If you’re an MHA tenant, I can offer you flexible support with developing your skills and experience to help you progress, grow and lead you into your next job as well as assisting you to progress in your chosen career. T: 07891 685 750 / 01495 767193 E: catherine.murray@ monmouthshirehousing.co.uk
If you are interested in any of these opportunities and live in Monmouthshire, please contact one of our Work & Skills wise Advisors (below) to find out more.
T: 07779 378 783 / 01495 761155 E: helena.smith@ monmouthshirehousing.co.uk
24 www.monmouthshirehousing.co.uk
Introducing
Helen Brookes Hello, my name is Helen Brookes and I am the Journey 2 Work officer. I was recruited to my post in January 2018 and have been working hard to develop a new, exciting project called Journey 2 Work. I started working as an employability specialist in 2010, so have many years’ experience in delivering employability projects and understand the challenges that you may be facing. Everyone’s needs are different. That’s why we have designed the Journey 2 Work service to fit around your needs and address the things that matter to you most. If you wish to discuss the project or make a referral for you or someone else please contact me on 01495 745739 / 07794 346223 or email helen.brookes@ monmouthshirehousing. co.uk
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In March 2018 Monmouthshire Housing Association launched the Journey 2 Work programme.
How can J2W help and support you?
Journey 2 work is a programme which is part-financed by the European Social Fund (ESF) through the Welsh Government and operates in Newport, Monmouthshire, Cardiff and The Vale of Glamorgan. Monmouthshire Housing Association delivers Journey 2 Work service in Monmouthshire.
...Address Your Personal Barriers Is there something stopping you from achieving your goals?
...Improve Your Skills Is not having the rights skills or qualifications to do a job your barrier to employment?
Your barriers may include: • Physical Health condition • Mental Health • Childcare • Transport • Confidence • Motivation • Low self-esteem
We can offer support to access: • Qualifications • Training • Volunteering • Work Experience • Employability Skills to improve you CV, support with Interview techniques and help with job searches
We can help you find some solutions to your problems
Everyones We can help you find needs are some solutions to different. That’s why we up-skill have designed the service to fit around your needs and address the things that ...Gain Sustainable matter to you most.
The project aims to engage, support and enable you to gain a range of skills, qualifications and meaningful work / voluntary placements to feel confident, able and motivated to enter into sustainable employment or further learning. We tailor our services to suit you, helping you to overcome the challenges you face and take control of your future. If you sign up for the Journey 2 Work service you will be provided with a Journey 2 Work officer, who will support you through every step.
...Improve Your Financial Situation Moving from benefits to employment can be a daunting prospect.
Employment
By getting involved You have addressed you could... your personal barriers,
We have a ‘Money Wise’ Service that can help you: • Manage debts • Improve your budgeting skills • Understand the in-work benefits and support you to apply • Complete a Better off Calculations to ensure you will be better off financially in work We can help you become more confident in managing your finances
up-skilled and feel more confident in your financial situation. We will support you to: • Apply for suitable vacancies • Complete application forms • Prepare for interviews
Start your new job Once in your new job we will be here for 6 months of In-Work-Support
Are you eligible for help with J2W? To join the project you will need to: • Be over 25 years old • Live in Monmouthshire – You don’t need to be an MHA tenant.
• Have the right to work in the UK • Be long term unemployed or economically inactive
• Have barriers you think are stopping you from working • Want to get back into work, training or volunteering.
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UNIVERSAL CREDIT SPECIAL
“I had no idea that help was available from MHA, for people who were in work”.
Business Through Caroline Botchett’s story... Prior to becoming an MHA tenant, Caroline had successfully run her own business from her home. Once she had moved into her new home, Caroline approached MHA and got the greenlight to continue this business from her MHA property; where she is still based offering a range of beauty treatments. But this was as far as she thought support from MHA went until a chance phone call put her in touch with Work & Skills Wise Officer Cath Murray.
Caroline explained: “I’m fully qualified but always looking to expand and improve the range of treatments I can offer and had been looking into facial microdermabrasion. I never realised MHA would be able to help me gain this qualification.”
Work and Skills Wise Officer Cath Murray said: “It’s been fantastic working with Caroline. She is incredibly driven. The care and pride she puts into her business and customers is clearly apparent and I can see her business and clientele growing and growing. “
After speaking to Cath, Caroline applied for a bursary through the Bursary Scheme to fund the facial microdermabrasion qualification. As well as this Cath was able to get Caroline a laptop loan to help her with the day to day running of the business.
“Caroline is a great example of someone who has turned her passion into a business which fits well around her lifestyle and family commitments. If, like Caroline, you’re interested in turning your interests into an occupation please just get in touch for help and support. ”
26 www.monmouthshirehousing.co.uk
Struggling to Pay Your Rent? We Can Help - 0345 677 2277
Treatments Avaliable at Studio 3 Beauty: • • • •
Creative nail design Gel & acrylic nails Hot wax, strip wax & intimate waxing Shellac (master artist)
Work & Skills Wise Caroline has only been working with Cath since March and has already made great progress. Taking full advantage of the help available from MHA, Caroline will be attending the Pop Up Business School in June. “I’m doing something I’m passionate about and no matter what type of day it’s been, I do this and I love it. I was looking around for a long time as ways to expand and MHA made it possible and shows they can help people who want to help themselves.”
“I’ve never liked the salon experience and found it could be impersonal and rushed. Because the salon is in my house there is a social element as well, we can have a cup of tea and chat and it becomes more than just a treatment. My clients are fab and there is a real community feel here.” “Always answer the phone to MHA you never know what is behind it.”
them will receive 10% off. For more details and to find a full list of the treatments offered by Caroline find @studio3beauty on Facebook or call Caroline on 07802 888 062. If you are inspired by Caroline’s story contact the Work and Skills Wise team to see how they can help you.
Any tenants who book a treatment with Caroline and take this copy of Money Matters with twitter.com/mon_housing
27
UNIVERSAL CREDIT SPECIAL
Budgeting Loans Could help in the interim if you are struggling on Universal Credit? Budgeting Loans are interest free loans that can help to pay for essential items like furniture, clothes, moving costs or hire purchase debts. Customers can apply for a loan if they have been receiving Income Support, income-based Jobseekers Allowance, incomerelated Employment and Support
Allowance, or Pension Credit for at least 6 months. Customers can now apply for Budgeting Loans on www.gov. uk website using the new online application service. The Budgeting Loans online service enables customers to apply for a loan in minutes using
28 www.monmouthshirehousing.co.uk
a computer, laptop, tablet or smartphone, and the application is received immediately. With the alternative paper-based application process, customers have to go to their local Jobcentre for a claim form or call to ask for a form to be sent by post, which can take several days.
Struggling to Pay Your Rent? We Can Help - 0345 677 2277
The Work & Skills Wise Bursary Are you looking to go into work and need training or help to get that next job? The Work & Skills Wise service have a bursary scheme that could cover the costs of training or equipment for any MHA tenant. In the past we have funded courses, training days, home learning, uniforms, DBS checks as well as tools and equipment.
If there is training or equipment that you need to help you get into work, contact our Work & Skills Wise team and they can support you through the informal process. They can also help you find the right course for you. Call 01495 745769 or email wsw@monmouthshirehousing. co.uk to find out more.
In Work Bursary
MHA’s has recognised that people who are already in work are often wanting to progress through their careers but are struggling with fund training or equipment which would enable them to progress in work, on top of funding daily living costs.
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UNIVERSAL CREDIT SPECIAL
Volunteering to get your desired job
Fed up of being told you didn’t get the jobs you’re applying for because of a “lack of experience”? Volunteering is a great route to build your experience and skills in a field of work you are wanting to go into. MHA has opened its doors to offer you work experience. As an organisation we can offer you a supportive volunteer placement in one of our trades such as Painting and Decorating and labouring, through to administration, IT and a customer facing role such as Receptionist. If MHA don’t offer the particular area of work you’re interested in volunteering with then we can look to our contractors and different employers to broker a placement for you. Support is provided throughout and the Work & Skills Wise team can also work with you to help
you gain a qualification whilst you volunteer. A large percentage of our volunteers who are supported by Work & Skills Wise then go in to sustainable employment in areas of work they are passionate about. For more information on how we can support you in finding the right volunteer placement for you, and for support through your placement, contact the team on 01495 745769 or email wsw@monmouthshirehousing. co.uk
30 www.monmouthshirehousing.co.uk
Computers in the Community Through the Work & Skills Wise service we have a scheme called ‘Computers in the Community’. This is where we can loan laptops to tenants, such as yourself, free of cost. The laptops come with up-to-date security software and the full Microsoft Office suite such as Microsoft Word, Excel, Powerpoint and Outlook. We provide these laptops to people wanting to use the laptop to complete coursework or undertake job searching from home. You can also apply for a laptop if you’re starting up or running a business and need it to complete paperwork, promotions or accounts. All you need to do is add the internet!
To speak to the Work & Skills Wise team about the ‘Computers in the Community’ scheme, call us on 01495 745769 or email the team wsw@ monmouthshirehousing. co.uk
Struggling to Pay Your Rent? We Can Help - 0345 677 2277
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twitter.com/mon_housing CRUK Poster 20.3.18.indd 1
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20/03/2018 20:05
UNIVERSAL CREDIT SPECIAL
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Online Savvy Shoppers Over 90% of you have internet access but how many of you use it regularly to make savings? Did you know you could save an average of between £516 and £744 a year? Here’s some top 5 ideas: 1. Visit uswitch.com who claim to help you save £100’s on gas/electricity and also show you best deals for mobiles, broadband etc. 2. Order your grocery shopping online. It’s great for monitoring spend, picking up the best deals and many offer free delivery on first orders. Combine with cashback vouchers available on sites such as www. vouchercodes.co.uk, www.vouchercloud.co.uk and download cashback apps and reap rewards. 3. Sign up to Groupon and Wowcher to make the best of local deals. 4. Register for the moneysavingexpert.co.uk newsletter and receive alerts for some great deals. In the last edition of Money Matters we talked about extreme couponing and joining supermarket savings clubs etc. If you’ve found this useful please tell us and share your successes.
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Times are tough, and many tenants are finding that benefits can no longer be relied on. With Universal Credit, almost everyone can expect some disruption to their payments. Even without that to worry about there’s always an unexpected bill at some point in the year. And of course the things we all want to have money for, like Christmas and the school holidays. That’s why MHA is encouraging tenants to join Gateway Credit Union. Even a small amount of weekly savings soon mounts up, so you can cope with the unexpected. £5 a week, for instance would be £260 in the year. We’re so convinced it’s a good idea, we’ll put £10 into your savings when you join and pay your initial £2 membership fee. When you need to borrow, your local Credit Union is usually the cheapest option. A £500 loan over 48 weeks, for instance, would cost you £12
32 www.monmouthshirehousing.co.uk
a week plus £2 into savings, with total interest of just £73.24 (34.5%APR). That’s hundreds of pounds less than Provident or Moneyline, and buying items such as a washing machine or cooker with a Credit Union loan is likely to work out at around 1/3 of the cost of buying goods from Brighthouse. Gateway also offer a Cash ISA and Young Saver Accounts, a special Christmas saver account and loans up to £10,000 and we’re proud to celebrate that lots of MHA staff are also members, saving and borrowing direct from their pay. For more information call 01495 742500 or go to www. gatewaycu.co.uk, or pop into their branches in Abergavenny, Bulwark, Wyesham, Cwmbran or Pontypool. MHA tenants can join Gateway Credit Union today and receive £10 to help you kick start your savings.
Struggling to Pay Your Rent? We Can Help - 0345 677 2277
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33
UNIVERSAL CREDIT SPECIAL
We all recognise the term ‘gambling’ and more often than not associate this with cards and horses but how many of us recognise the less obvious. t
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The trouble with Gambling So, you’ve had a dabble and that worked out ok. Then... NO! They’ve drawn you in with all their ‘free’ incentives until you’re well and truly hooked then whip the rug from beneath you. Now what? Would you try and get it back or walk away? Online gambling is so easy, accessible, quick and initially a
thrill but unfortunately it attracts lots of unforeseen problems. Putting debt aside for a moment it can negatively affect many aspects of your life such as relationships with friends and family, your health, your work, your education and the amount of time you have available to do other things.
34 www.monmouthshirehousing.co.uk
• Don’t be tempted in the first place, advertising is everywhere you turn but stand firm and think about the consequences • Borrowing money to gamble – it’s not advisable to borrow money or lend someone money to gamble, and there is no guarantee you will get it back • Trying to win back money you have lost – this might seem like a good idea, but can be a slippery slope • Keep playing until you get lucky – by then it might be too late • Believe you will win – confidence is key with lots of things in life, but not gambling. In fact it’s probably better to expect you will lose • Gamble as a way to cope with bad feelings – gaming when you’re feeling low might seem like a distraction, but might make the problem worse in the long run Contact www.gamcare.co.uk or give our Money Wise team a call to see how they can help.
Struggling to Pay Your Rent? We Can Help - 0345 677 2277
Are you on the right Water Tariff? Contact us today to find out about the range of tariffs we offer which could help reduce your water bill. These include:
HelpU
Our HelpU scheme will cap your water and sewerage bill at £190 and is available to customers where the total household income is £15,000 a year or less.
WaterSure Wales
Our WaterSure Wales scheme is available to our customers who have a water meter fitted. It helps households on a low income with either a large family or a family member with a certain medical condition. Your annual charges will be capped at £308. Water Direct Our Water Direct scheme takes away the hassle of paying your bills. It allows those customers who receive certain benefits and are currently in arrears to pay directly through their benefits. If you sign up we will even reduce your bill by £25!
Customer Assistance Fund
If you have arrears with us, our Customer Assistance Fund could help. This scheme not only helps you pay your ongoing current charges, but helps you pay off your arrears at the same time. If you commit to a payment plan for 6 months we will pay off half of your arrears, if you then pay for a further 6 months we will pay off the remaining balance of your arrears.
Contact us now and you could soon start benefitting from the help we can give you. Call: 0800 0520145 Email: water.enquiries@dwrcymru.com Online: dwrcymru.com/money twitter.com/mon_housing
35
UNIVERSAL CREDIT SPECIAL
Make Cash & be the King or Queen of Cashback!
Do you shop online for... • Broadband? • Mobiles? • Insurance? • Gas & Electricity? • Toys & Gifts? • Groceries? • Clothes & Technology? • Household Goods? • Holidays/Breaks? • Travel? If YES then why not open an account with Quidco or TopCashback and use them as a gateway each time you shop. You can even reap rewards on the high-street. They’re free to join, simple to use and can choose how to get paid.
What will you do with it? • Put a little extra in your rent account and build up a ‘nest egg’ for when times get a little tough? • Transfer it to a savings account and watch it grow (Check out best online interest rates). • Convert it and earn extra vouchers with Amazon, for example... or put it towards your next shopping bill Why not share your Cashback success stories with us?
Social Inclusion Feeling social isolated can not only be a lonely experience but many don’t realise what is around them and how they can be supported. One of those helped has told us how the Social Inclusion team has helped them. “When I moved to Chepstow about 18months ago I was completely isolated and I was very lonely. I suffer from depression and anxiety, and the total lack of contact with other people made it so much worse. I used to take our family dog out every day and to a spa several times a week, this was the only contact I had with the outside world. I did not knowing how else to meet people and when I lost my dog, I not only lost my companion and friend but also my reason to go out. Fortunately I was referred to Teri, my social inclusion officer, for help. Without a doubt it has changed my life! I meet her regularly for coffee and a chat and I know she is there for me if I need her, so I no longer feel isolated and excluded from the world.
36 www.monmouthshirehousing.co.uk
I also volunteer 2 afternoons a week in a local charity shop, which I love, and may do more when my personal circumstances change. I have made a couple of really nice friends there which is great, I arrive feeling happy and leave even happier! I attend a cookery course which is great fun as well as being very useful, and I’ve made some new friends there who I’m going to Tart Tai Chai with soon. A new cookery course is starting in April which I will also be attending. I can’t wait! I can honestly say that I am a different person now. I have reasons to get up in the morning and I look forward to each day. I have been given so much by this organisation and I am so very, very grateful.” If you are desperately lonely and sad, then please ask for their help. You will be amazed how it will change your life.
Struggling to Pay Your Rent? We Can Help - 0345 677 2277
Housing
Resettlement
Moving home is always a stressful time. The Housing Support Resettlement Service has helped those moving into a property in Monmouthshire with money and debt advice, help with training and work opportunities and grants to help furnish their new home. At the end of 2017 the team helped a gentleman (ML) following a lengthy hospital stay. The stay in hospital impacted him financially, resulting in large debts to multiple creditors and his bank account being frozen. With no direct debits set up ML relied on cash to get by. The Resettlement Team were able to offer advice and support to help him get comfortable with the idea of using a bank account. A challenging task but soon ML
was able to see the positives of using a bank account, keeping all his money in one place and being able to keep a track of all his monies coming in and out of an account. Since working with the team ML now has regular direct debits set up and the team have helped set up financial arrangements to pay back debts. This change of mind-set has helped ML from feeling overwhelmed with the amount of correspondence he
had – three black bags full – by helping him set up a file for urgent correspondence waiting to be actioned. The team were able to help ML to feel control again and get his home and finances back on track. For further information or to find out how the scheme could help you call Housing Support Resettlement Officer, Lee Mayo on 07896 868 560.
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37
UNIVERSAL CREDIT SPECIAL
Housing & Wellbeing Here is how the services supported one person in need: “I called the service for help during a very stressful time in my life. I have very poor health, and without my Housing & Support Wellbeing Officer, dealing with my situation would have been infinitely harder. Some of us under this service do not have any kind of support network, and this team is mine. My worker, Justine, has been with us (my son and I) since the end of 2016 and I cannot express how much her input and ongoing support has and still is needed. The Housing & Wellbeing Support Service provides housing and/or tenancy related support to service users whose wellbeing would be improved by enhancing and supporting their housing needs. Support can vary in need and length from ‘one-off’ support to longer term and can include (but is not limited to) support around advice, advocacy and signposting; income, budgeting, welfare benefits and entitlements; understanding
correspondence and managing daily affairs; support to secure, manage and maintain a tenancy and feel safe in their own home; support to identify and manage own health and care needs; and support to engage in education, learning and their own community. This service is for anyone aged 16 plus, living in Monmouthshire and is provided by one dedicated Support Officer.
38 www.monmouthshirehousing.co.uk
More recently Justine has supported me with successfully applying to the Discretionary Assistance Fund (for a washing machine and fridge freezer), Personal Independent Payment (enhanced mobility and care) and reinstated Employment Support Allowance. This has made a huge impact in my wellbeing and life and I’m very grateful that this service exists as it has alleviated so much pressure from me.”
Struggling to Pay Your Rent? We Can Help - 0345 677 2277
Tenancy Coaching The tenancy coaching service within the support & wellbeing department supports and empowers MHA tenants to maintain their tenancy independently, through working towards their own agreed identified goals with the Tenancy Coach. Enabling tenants to manage and sustain their tenancies is the key and we use a personal centre approach to provide practical, financial and emotional support. Liaising and working in partnership with external agencies is important for us to ensure all support is tailored towards meeting each tenants needs, achieving their personal goals for sustaining their tenancy and improving their overall wellbeing.
One of the many tenants we have helped had rent debts over ÂŁ1000 due to benefit changes, other debts and nonengagement. Suffering severely with their mental health and finding life as a single parent a struggle, combined with a lack of trust and confidence, made resolving these problems and engaging with support services difficult for the tenant.
boosted the tenant’s confidence enough that they could regularly communicate with Housing Benefit to ensure no further problems arose. Unfortunately due to issues with benefit and working hours, rent debt started to creep back up. But after working with the team, the tenant was able to resolve the issues independently reducing this debt by half.
The team were able to help this tenant regain their independence and budget, which they had found hard in the past due to working variable hours and an inconsistent income. Aided by the team, rent debts were beginning to be resolved and a direct debit to MHA was set up. This support
The team helped not only to resolve the tenant’s financial worries and reduce debt but were able to show the importance of making rent a priority and giving them the confidence to resolve any issues themselves.
Your Tenancy Coaches:
chanelle.baker@ monmouthshirehousing.co.uk
07815 440072
nadine.fletcher@ monmouthshirehousing.co.uk
07718 656240 twitter.com/mon_housing
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