Showing posts with label Liverpool city region. Show all posts
Showing posts with label Liverpool city region. Show all posts

Friday, 24 January 2020

John turns his life around with Better Off Finance


 There’s nothing worse than feeling out of control. When life begins to take a downward turn, the resulting domino effect can cause breakdowns of relationships, businesses, and ultimately, mental health.



62-year-old John’s* life began to spiral after his business began to fail. At the same time, his marriage started to disintegrate; due to the stress and anxiety he was under, he eventually became alcohol dependent, disengaged from his family, and withdrew from society, rarely leaving the house and neglecting to care for himself. As matters worsened and his mental health deteriorated, John began to suffer from suicidal thoughts.

Alcoholism and mental health issues often go hand in hand - people with mental health issues are twice as likely to develop alcohol dependency than the rest of the population. While many use it to numb negative feelings, in the long run alcohol greatly contributes to stress, anxiety and depression, meaning sufferers become trapped in an inescapable cycle of trying to treat a problem with the very thing that is causing it.

John was put in touch with the Better Off Finance programme by his housing association, who were assisting him in finding a cooker and using food banks. His situation had deteriorated to the point where he realised he needed help: he lived alone in a four bedroomed house, and found himself unable to deal with everyday matters. John came to the decision himself that he wanted to turn his life around and become alcohol-free, and so reached out for support.

Through Better Off Finance, John was assigned a Key Worker, who provided 1-2-1 support throughout his journey. During this period, John managed to clear his water arrears and create a new payment plan for future bills; he received a new washing machine, as his previous one had fallen into a state of disrepair; he reduced his mobile and TV package, and received support in creating a manageable budget for utility bills and monthly outgoings – something which he has never done before. A further grant has also been applied for to top up John’s current income while he is getting back on his feet.

As a result of the support from Better Off Finance and his Key Worker, things have been looking up for John. After getting his new washing machine through Better Off Finance and a new cooker from his housing association, he has started taking care of his appearance and eating healthily, which has had a huge positive impact on his wellbeing. In turn, this has led to him reaching out to his family and spending time with his grandchildren – along with support from a substance misuse charity, contact with his family has been a massive encouragement in his journey to becoming sober.
The change in John is clear: he’s more confident and sure of himself, and is managing independently. He’s recently gained a qualification in First Aid, something which he could never have imagined doing a few months ago.

He said: ‘The support and encouragement from my Key Worker has been amazing, and I can’t thank he enough for just listening and understanding my situation. I would urge anyone to access this service. It has been invaluable to me in realising that there is help if you want it, and it has started to build my confidence and self-respect back to what it used to be’.



About us:

Better Off Finance is offering residents of the Liverpool City Region who are currently unemployed (although don't have to be claiming benefits), a bespoke programme of support. 

This support will be provided at a local community venue or at home if a participant prefers.
Each participant will be linked up with their own key worker who will support them to:
Improve their financial capability through 1-2-1 support and group work

• Access employability sessions within the programme
• Access a Level 2 Accredited ‘Money Mentor’ opportunity
• Progress into training and education opportunities
• Prepare and progress into sustainable employment.

Please contact us via our Facebook or Twitter pages to make a referral or for further information.

Better Off Finance is a programme jointly funded by The National Lottery Community Fund and European Social Fund as part of the Building Better Opportunities Initiative






Wednesday, 28 August 2019

Alex Shares Her Journey Towards a Fresh Start


We hope by now you’ve heard the amazing news that our programme of support has been extended for further 2 years. With more time under our belt, we’ve been working harder than ever offering advice and support across the Liverpool City Region to give people a much more positive outlook on their future.

Today we’re shining the spotlight on one of our participants – Alex who has truly committed to the support we’ve offered and continued to progress herself. Alex, who is a single mum to her 4 children had recently left an abusive relationship and was struggling to manage her low income.



We sat down with Alex to find out more about her experience…

How did you get involved with the Better Off Finance Programme?
I first heard about the programme whilst at Sure Start, through the children’s centre I started to engage with a family key worker who felt the support Better Off Finance had on offer could really benefit my way of life.

What support did you receive whilst on the programme?
I would regularly meet with a key worker at Citizens Advice for 1-2-1 support. Mabel helped me secure a £300.00 grant from Liverpool Citizens Support Scheme that gave me support to get food and basic necessities for my family. I was also awarded £200.00 from the biscuit fund.

I’ve been able to get help to get my Universal Credit sanctions removed and my child's Disability Living allowance in place. I was also given advice around budgeting my money and Mabel helped me source a free bicycle from Merseytravel 

In what ways has the support you were given made a difference?
I now have much better living standards. Living in a private rented accommodation in Old Swan, I had poor living conditions and hardly any furniture. The project helped me to source new beds and white goods for my kitchen including a washing machine. Before, hardly having any furniture made it hard for me to feel comfortable in my own home but now I have a sofa and dining room table.

Describe how your circumstances have changed since receiving this support?
Before the programme, I was at the lowest point in my life, depressed and struggling to cope. Now I’m financially stable, have a home in a good condition and have started a job at a dance studio in Liverpool.

What was the best thing about Better Off Finance?
The best thing about the programme was being able to get my bills and finances on a good path.

Are you accessing any further training?
I'm going to be attending the Money Mentors and My Turn training provided by Better Off Finance.

Do you have anything else to add around your experience on the programme?
Mabel and the Better Off Finance Team have changed my life for the better and I’m very happy I took part in the programme.


About us:

Better Off Finance is offering residents of the Liverpool City Region who are currently unemployed (although don't have to be claiming benefits), a bespoke programme of support. 

This support will be provided at a local community venue or at home if a participant prefers.
Each participant will be linked up with their own key worker who will support them to:
Improve their financial capability through 1-2-1 support and group work

• Access employability sessions within the programme
• Access a Level 2 Accredited ‘Money Mentor’ opportunity
• Progress into training and education opportunities
• Prepare and progress into sustainable employment.

Please contact us via 0151 706 8111 or hello@thewo.org.uk to make a referral or for further information.

Better Off Finance is a program jointly funded by The National Lottery Community Fund and European Social Fund as part of the Building Better Opportunities Initiative


Tuesday, 30 April 2019

From Carer to Employment: Joanne Works with RAISE to Boost Her Employment Opportunities

Leaving employment to become a full-time carer can be a tough decision to make, and with seven million carers currently living in the UK it’s a decision that many people have had to face. Whilst many find caring for their family a very rewarding role, financial matters can make it hard to continue. As many as 60% of people have used all their savings to cover the cost of caring and that’s only set to increase. 




Spending many years as the primary carer for her husband, Joanne approached RAISE for support in transitioning back into full time employment following his death. Since her carer role ended, she had been living off her savings and wanted to get back into employment but struggled with her lack of confidence brought on by the prospect of going back into interviews after so long.

The transition from carer back into employment can feel like a huge step, but with the support of her key worker at RAISE, Joanne was able to go through some simple interview techniques that she was able to use for a job interview she had coming up. Looking at the skills and interests she already had, she was able to tailor her job search around roles she had experience in and successfully get through to interview stage.

With continued support from RAISE, she was able to confidently attend her interview. Eagar to continue her personal development, Joanne's key worker spoke to her about what other courses she could have access to, and suggested she attend confidence building courses My Turn and Change it at The Women’s Organisation.

“I really enjoyed the courses, they were interesting, and it was great to interact with others. I would highly recommend the Better Off Finance programme to others”

Since the programme, Joanne has now moved into employment and is thinking about moving into her own home. She is now working with her keyworker to put together a typical budget for household bills and has been able to get advice on renting prices.

With the number of carers set to increase by 3.4 million in 2030, it’s more important than ever that there is support available for people thinking about becoming a carer or going back into employment.

For more information about caring you can check out the following resources:

About us:

Better Off Finance is offering residents of the Liverpool City Region who are currently unemployed (although don't have to be claiming benefits), a bespoke programme of support. 

This support will be provided at a local community venue or at home if a participant prefers.
Each participant will be linked up with their own key worker who will support them to:
Improve their financial capability through 1-2-1 support and group work

Access employability sessions within the programme
Access a Level 2 Accredited ‘Money Mentor’ opportunity
Progress into training and education opportunities
Prepare and progress into sustainable employment.

Please contact us via our Facebook or Twitter pages to make a referral or for further information.

Better Off Finance is a program jointly funded by The National Lottery Community Fund and European Social Fund as part of the Building Better Opportunities Initiative





Friday, 1 February 2019

Sarah Controls Her Finances Thanks To Better Off Finance

Sometimes it’s the simple changes that can make the biggest difference, especially when it comes to our finances. Getting the ball rolling when starting to budget can be difficult but in the long term can have a huge impact on how you spend. Our key workers at Better Off Finance are experts in knowing what changes can be made to start the journey to a positive debt free future. 



Struggling with her budget and looking to get a better understand of her money and the ways she could save, Sarah approached citizens advice Wirral where she found out all about how the Better Off Finance programme could improve her financial savviness.

Sitting down with Sarah, she looked at the simple changes that can be made like looking at gas/electric comparisons, looking at contents insurance to make sure household personal possessions are fully covered for repairing or replacing and we looked at opening a credit union account.

Sarah is now in control of her debt: “I am more positive, happy and confident knowing my finances are under control and being managed better with the amount I can afford to pay”

Alongside receiving financial advice she has been able to meet new people and also get some great tips on how to save for the future. “I think people should really think about coming onto the programme, I like how talking about finances isn’t made scary or serious and the group can have a good laugh whilst doing it”

Since attending the programme, she will now be going on to volunteer at Wirral point in Birkenhead as a receptionist.

“The Key Worker who ran the programme was brilliant at delivering the contents and information, extremely friendly and was easy to approach”

About us:

Better Off Finance is offering residents of the Liverpool City Region who are currently unemployed (although don't have to be claiming benefits), a bespoke programme of support. 

This support will be provided at a local community venue or at home if a participant prefers.
Each participant will be linked up with their own key worker who will support them to:
Improve their financial capability through 1-2-1 support and group work


  • Access employability sessions within the programme
  • Access a Level 2 Accredited ‘Money Mentor’ opportunity
  • Progress into training and education opportunities
  • Prepare and progress into sustainable employment.


Please contact us via our Facebook or Twitter pages to make a referral or for further information.


Better Off Finance is a program jointly funded by The National Lottery Community Fund and European Social Fund as part of the Building Better Opportunities Initiative



Friday, 9 November 2018

Danielle Can See a Clear Future Thanks to Better Off Finance

Worrying about debts piling up and having just had her benefits sanctioned, Danielle was told about the Better Off Finance Programme in Halton Citizens Advice and decided it was time she took control of her finances and gave it a go.





Recently, we spoke about how debt can have detrimental effect on a person’s mental health and how it can make a person’s behaviour to change dramatically during the period of poor health. Feeling vulnerable due to mental health, Danielle felt she was unable to engage with the working programmes she had been sent on by the Job Centre leaving her to live on just £277 per month and was struggling to make ends meet.  

Being able to sit down one to one and engage with a Better Off Finance key worker meant that Danielle was able to figure out ways to increase her income and take the appropriate actions that saw her sanctions removed which has left her with a much better outlook on life:

“My mental health and relationship with my 12-year-old son has improved since going through the programme due to having more money coming into the family”


Completing the programme full of confidence, she now engages with work programmes to help her into employment and recently completed an employability course with Riverside.

“I really liked the one to one support and being able to have direct contact with my key worker, Gill. It’s really helped my confidence and I was so glad to get help with my sanction”


Struggling with poor mental health for many years, Danielle found it hard to manage her finances and is now able to breathe easier with an increased income and has more knowledge about her universal credit claims online.

“I have so much more confidence than before! I would definitely recommend it as I can now see a future for me and my son. I really want to get into work, and now I can start to think about it as I’m starting to manage my debts.”


Thanks to Danielle for sharing her story, we're excited about what your future holds. 


About us:

Better Off Finance is offering residents of the Liverpool City Region who are currently unemployed (although don't have to be claiming benefits), a bespoke programme of support. 

This support will be provided at a local community venue or at home if a participant prefers.
Each participant will be linked up with their own key worker who will support them to:
Improve their financial capability through 1-2-1 support and group work

  • Access employability sessions within the programme
  • Access a Level 2 Accredited ‘Money Mentor’ opportunity
  • Progress into training and education opportunities
  • Prepare and progress into sustainable employment.


Please contact us via our Facebook or Twitter pages to make a referral or for further information.

Better Off Finance is a program jointly funded by The Big Lottery Fund and European Social Fund as part of the Building Better Opportunities Initiative




Wednesday, 1 August 2018

Could You Become A Money Mentor?

It’s always great to see people putting themselves forward to support others in changing their lives, and that’s exactly what’s happening on our Money Mentors course! Educating yourself to use the skills for greater good is always a rewarding feeling and that’s what our recent Money Mentors graduates at Halton Citizens Advice & 54 St James Street have been doing.

The Level 2 accredited training will encourage participants to go out into their communities and share what they’ve learned, and it’s also something great to add onto your CV!  We asked our recent graduates what they thought of the 2 days they spent learning to become Money Mentors



“I really enjoyed the course because every aspect that was covered was explained well with examples for clarity.  The course facilitator, Jose, was very knowledgeable and presented information in an easy to understand manner. I now have a better understanding of some of the methods of recovering debt and the process of debt recovery.”


Paula and Jennifer recently completed their Level 2 Money Mentors training in 'Being a Savvy Consumer' at 54 St James Street and had some great feedback about the course

“The course has been very valuable, I am more knowledgeable about consumer rights. There is so much I wasn’t aware of” 

“I feel more confident as a consumer now. The course was easy to understand and broke down the jargon. The handouts have been useful for me to refer back to after the course. Getting this certificate will help me with my volunteer application to support job seekers in my local job centre” 

What an amazing achievement, well done everyone and we can't wait to see how you use your new found skills to support and guide your community!

Do you think you could be a Money Mentor?

Money Mentors will be two days training at a local venue and will provide Level 2 accreditation in the following subjects:
  • Being a community-based mentor
  • Being a savvy consumer
  • Supporting Universal Credit Claimants
The subjects will cover topics such as:
  • Understand the causes of personal debt
  • Understand different attitudes to spending money
  • Understand how Universal Credit is made up and which benefits it replaces

We will even pay the travel expenses to get there and provide lunch!

If you think you could become a Money Mentor, then get in touch! to book or for more information you can contact us on 0151 706 8111 or hello@thewo.org.uk



About us: 

Better Off Finance is offering residents of the Liverpool City Region who are currently unemployed (although don't have to be claiming benefits), a bespoke programme of support. This support will be provided at a local community venue or at home if a participant prefers.

Each participant will be linked up with their own key worker who will support them to:
Improve their financial capability through 1-2-1 support and group work

·         Access employability sessions within the programme
·         Access a Level 2 Accredited ‘Money Mentor’ opportunity
·         Progress into training and education opportunities
·         Prepare and progress into sustainable employment.

Please contact us via our Facebook or Twitter pages to make a referral or for further information.

Better Off Finance is a program jointly funded by The Big Lottery Fund and European Social Fund as part of the Building Better Opportunities Initiative