Showing posts with label citizens advice. Show all posts
Showing posts with label citizens advice. 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






Sunday, 10 November 2019

Meet Thomas: Living Without Basic Home Appliances

In a 2018, Turn2us conducted a survey of 2,000 people earning below the national income and it was found that 49% of them were living without a washing machine along with other basic appliances. For people living without home washing machines, it is 2561% more expensive to use a launderette and can lead to a number of different issues in peoples lives. 




28-year-old Thomas, struggling with his confidence approached Citizens Advice Halton to get some support with food vouchers. After sitting down and speaking with him, Thomas shared that he had a mild form of cerebral palsy and due to not having a washing machine had to make regular trips to the laundrette with heavy bags which worsened his condition. 

Being declined a disability bus pass also meant that he was spending much more money than he could afford on the journeys. The effects of living without basic appliances can go beyond financial capability and can start to risk physical and mental health. Looking further into the full impact of living without basic appliances, many people in the survey spoke about the issue of cleanliness and the stigma of having to wear unclean clothing. Frequent handwashing was also leaving a negative effect on people’s lives with overall poor hygiene being a catalyst for depression and anxiety. 

Since joining Better Off Finance, Thomas has now been able to secure a washing machine in his home. “Now that I have a washing machine, I can see that my mental health & wellbeing has significantly improved”

Through 1-2-1 support and working through the programme with his keyworker Kerry, he began to work on his financial planning through budgeting and spending diaries and after reapplying for the disability bus pass was finally granted one for 5 years. He was also able to apply for warm home discount, a government scheme giving extra help to people struggling with energy bills and was awarded a £140 discount.

Thomas at Citizens Advice Halton

Thomas now feels like he’s turning a corner through the encouragement of the project: “I am more in control of my bills, Kerry set out a monthly plan and contacted creditors to set dates up for payments when I was paid my PIP and universal credit.”

Thomas now has a full-time job and is continuing to progress himself: “The best thing about Better Off Finance is the trust I had in my Key Worker Kerry to feel comfortable and not judged. I’ve told my sister about the project and she’s now going to sign up for support too”

If you're struggling with living without basic household items and you need some help, get in touch with us and we'll show you how we can support you. 

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, 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


Friday, 26 July 2019

Understanding Benefits: Angela's Journey

In 2016/17, over £10 billion in benefits went unclaimed, meaning Britain’s poorest individuals and families were living below minimum standards. Amongst those unclaimed payments were income related employment and support allowance (ESA) and income support and housing benefits.

Looking for the reason people fail to claim benefits can be difficult, with broad factors being identified such as the effectiveness of the benefit, lack of awareness of the benefits available, application procedures and the stigma of receiving benefits.



Sometimes the barrier to getting the right benefits is having the support to properly understand what steps need to be taken next.

Better Off Finance key workers support individuals to understand their benefits, making sure that they are getting everything that they are entitled to. During a recent visit to Life Rooms, 60-year-old Angela was informed about the support available through her local Citizens Advice. Looking for support to gain more confidence and financial support, she signed up with Better Off Finance and met her key worker – Louise.

Through 1-2-1 support, Angela was able to start working through her money issues, along with getting support to improve her mental health. Not having worked since her 20’s, Angela was the primary carer for her parents who passed away within a year of each other, having a major impact on her health that left her hospitalised.

After losing several appeals for ESA support group and PIP,  her key worker Louise helped her to fill out forms and accompany her at meetings to make her feel more comfortable. She was able to be successfully reassessed and has now been given standard rate care PIP giving her an additional disability premium on top of ESA payments. Angela told us: “My income has gone from £102 per week to £253 per week and now I can manage my bills a lot better. Louise also helped me get warm home discount which reduces my electricity bill by £140 per year”

Now that Angela has an increased income, her anxiety levels have been improved along with her confidence “My confidence has grown a little, even though I’m still not well, I now can spot the signs and go back to my psychiatrist if I need to”

She’s now attending a writing group and has recently had her poems published, something which she puts down to her new found confidence.

Thanks to her increase in income, Angela is now able to worry less about the money she's got coming in and focus more on improving her mental health. Many vulnerable people still live on the poverty line today due to not knowing what they are entitled. You can check what benefits you're entitled to at your local Citizens Advice 

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, 14 June 2019

Forced to Work: Tackling Modern Day Slavery

If you hear about slavery, you would probably think about the exploitation of human rights that was abolished in the 19th century, but in fact, slavery still exists today. It’s hard to accept that this practice is still a reality all over the world, with an estimated 40.3 million people in modern day slavery. 




Modern day slavery can take shape in many forms, from being forced to work, being owned or controlled by an ‘employer’ to being physically constrained without freedom of movement. It affects people of any age, race or gender but most commonly those who are vulnerable are being taken advantage of. Originally from Eastern Europe, Karl approached his local Citizens Advice to get support settling back into the community after being a victim of trafficking into the UK. 

Forced into illegal practices and made to work in a car wash for little or no pay, Karl had spent 7 years living in squalor with physical and mental abuse before being rescued by police intervention and brought to a safe house by the Salvation Army. 

After visiting Citizens Advice for a food voucher, it was quickly established that Karl could benefit from extra support with finding full time employment and managing a budget. Due to Karl’s status in the UK as a job seeker he was unable to claim any benefits, meaning it was vital for him to find employment to support himself.

Since enrolling onto the programme, the key workers over at Citizens Advice have been able to support Karl to update his CV and apply for potential jobs. The programme was able to support him to understand contracts, and secure expenses for clothing. 

The Key Worker also spoke to him about the courses he would have access to during Better Off Finance. Karl completed the My Turn training to build his confidence and went onto receive an accredited qualification for attending the Money Mentor ‘Become a Savvy Consumer’ training. 

Often struggling with feeling alone and isolated that has impacted on his overall health, Karl has relished working in a group environment with people who have been supportive and empathised with his situation, he said: “Since I’ve engaged on the project my confidence has increased. The project has given me so much practical support but has also restored my faith in human nature with welcoming smiles and people’s willingness to listen”

Since completing the programme, Karl is now engaged in full time employment and is looking forward to his future.

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, 15 August 2018

Marie Boosts Her Self-Esteem Leaving Her Financially Better Off

The Better off Finance Programme came into Marie’s life, just when she needed it- not only improving her budget but, heightening her confidence to match. 


Struggling with the prospect of several years out of work, Marie's self esteem was interfering with getting back into employment. After previously leaving education with less qualifications than hoped, the only barrier stopping her from retaking these subjects- was herself.

Taking the first positive step, she enrolled on the Better Off Finance Programme after advice to attend from the Citizens Advice. Being able to access this kind of support, she began to enjoy the prospect of starting more courses and reaped the benefits out of each session. Marie completed My Turn And WRAP (Wellness Recovery Action Planning) courses, beaming with knowledge and future prospects.

It was fear and confidence that she soon realised was holding her back from taking the necessary first steps towards moving into employment. The prospect of new people and new surroundings would overwhelm Marie, preventing the ambition to feel comfortable in new employment. However, attending programmes was the spring board to meet like minded individuals, potentially struggling with the same fears and troubles.

These programmes became a confidence enhancer, making find her voice and her feet in group settings and new people. In her own words being a woman who didn’t know how to discuss her opinions, embarked in new conversations feeling content and safe to do so.

'Managing me' run by the Next Chapter course, opened Marie’s awareness into herself, and the platform to then set goals and strategies to help manage anxiety. Taking volunteering on twice a week at a food bank and charity shop, she gained tremendous confidence in feeling safe around others, and her skill set continued to grow. 

Taking the small successful steps to slowly gain the confidence and esteem to now be enrolled in study and gain the qualifications that Maria aspires to have. In the mean time accessing support to write a CV and confidently looking for employment.

"Having someone supporting and encouraging me left me feeling like I was able to do things for myself."

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





Tuesday, 7 August 2018

Better Off Finance Inspires Catharine to Pursue Business Dream

Feeling overwhelmed with the complexity of the benefits system, Catharine used to avoid looking into her finances alone. Now, with support from Better Off Finance Catharine has become financially savvy and confident to start her own business. It seems that for Catharine, the only way is up! 

Having left her teaching job due to illness in 2011, Catharine was unemployed for 7 years and receiving job seekers allowance, feeling unable to progress with her business dream. Joining the Better Off Finance programme gave Catharine the time, space and advice to assess her monthly outgoings and work out where she could become more money-smart.


Better Off Finance programme supports people to improve their financial capability and prepare and progress into sustainable employment, or access training opportunities. Feeling anxious whenever she tried to look in to her finances alone, Better Off Finance ensured Catharine was utilising the support she was eligible for.

With her key worker’s support, Catharine managed to save £100 a month; “I really feel like he has given me tools for life to maximise my income and minimise my outgoings, I always tended to bury my head when it came to this stuff – now I have the confidence to find and negotiate better deals for monthly necessities”.

Regaining control of her personal finances, Catharine felt empowered to begin thinking about employment opportunities and the next step forward. Often the scariest thing about pursing a business-dream is the reality of becoming a business-owner. Catharine knew her passion but didn’t believe she had the enterprise skills or experience to turn that passion into a business – and that’s where Enterprise Hub came in.

Head over to The Women's Organisation blog to hear more of Catharine's story.

If you’d like to find out more about Better Off Finance or Enterprise Hub, contact us on 0151 706 8111 and speak to a member of our Engagement Team.


Friday, 27 July 2018

John Has Found His Self-Esteem Through Better Off Finance


Health conditions can affect a person at the best of times, but a chronic condition can take a toll on the confidence and security felt day to day. Health conditions can be correlated with mental health conditions, as a lack of physical ability to do everyday tasks can run the risk of adding stress when resulting from your time away from work. John felt he was struggling with his condition affecting his well-being, not just financially but emotionally leading him to seek support. 



John signed up for the Better Off Finance programme, after fears that his confidence and self esteem would affect his employability chances. A physical disability that caused extreme pain to his joints, led to John struggling to leave his home for days at a time, often feeling isolated and anxious. Not afraid of hard work John is extremely intelligent and university educated, fortunately sought support in the next step to help manage his well-being alongside his finances.

He attended every session with enthusiasm and created a network by bonding and supporting the other group members. This gave John the confidence to apply as a volunteer for Citizens Advice and undertake their training programme, helping in the IT department and admin services. The Better Off Finance not only helped John understand how to budget effectively and prevent debt, but also start building his savings alongside. Talking about the programme John said:

“I definitely would encourage people to join the BOF, by explaining from a simple comparison people see where they can save money and understand how they can reduce their carbon footprint through a course which the team have access too.”

The course not only helped John create the confidence in himself to build a savings foundation, it also enabled him to pay for an online course in advanced graphic design that John is excelling. Its hard to imagine for John that dealing with a physical disability, impacting on his mental health, and the struggle scouting work, has managed to see his way through, and now creating new opportunities for himself confidently and successfully!

John went on to say “The friendly and dedicated team always went an extra mile to help out,” and even after he had been exited from the program,

“They still keep in touch, and let me know courses that may help further down the line."

Its great to know that the effects of learning to money manage has lead to the improvement not only of quality of life, but the confidence to create a new future ahead! Thank you, John, for sharing your story!

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