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Category: COST OF LIVING

Thu, August 24, 2023 / Andrew Jones

Local Housing Allowance (LHA) is a Major Cause of Homelessness & Suicide

** Disclaimer**

This article is sensitive, caution is advised because the wording ‘Suicide’ & ‘Homelessness’ is mentioned more than once. We have linked suicide help and support links towards the end of this article. If you are in distress you must contact emergency services or go to A&E or ER.

Content:

  • Understanding Local Housing Allowance (LHA)
  • The impact on families
  • Addressing the issue
  • Why is local housing not in line with the current rates of inflation
  • Impact on Mental Health & Rise of Suicide?
  • Rent Increases
  • Renter Reform Bill
  • Shelter Recommendations
  • Final Notes
  • Health & Wellbeing Useful Links

Homelessness charity Shelter identified the previous LHA freeze until March 2023 as a major cause of more families facing homelessness.

Homelessness is a pressing issue that affects communities worldwide, and families are often among the most vulnerable demographic. In recent years, the role of housing policies in exacerbating family homelessness has come under scrutiny. One significant factor contributing to this crisis is the Local Housing Allowance (LHA) system. While designed to provide financial support to low-income households, the LHA has inadvertently become a major cause of families facing homelessness.

Understanding Local Housing Allowance (LHA)

The Local Housing Allowance is a system used in some countries, including the United Kingdom, to determine the amount of housing benefit or housing support a low-income household is entitled to. Rather than basing this support on actual rent prices, the LHA sets a maximum limit based on local market rents. This fixed cap often fails to reflect the actual cost of housing in high-demand areas, leading to a mismatch between the support provided and the real cost of renting a home.

The Impact on Families

While the intention behind LHA is to offer a safety net for families in need, it frequently falls short due to several key reasons:

1. Soaring Rental Costs: In areas where the demand for housing is high, rental costs can quickly surpass the LHA cap. Families are then forced to choose between spending a significant portion of their income on rent or seeking more affordable housing options, which are often located far from schools, jobs, and essential services.

2. Limited Availability: Affordable rental properties within the LHA cap are often scarce, leaving families with fewer choices. The competition for these properties drives up demand, which can lead to landlords being selective in their choice of tenants, disadvantaging families with low incomes or rental histories that are not ideal.

3. Unpredictable Rent Increases: Even when a family secures housing within the LHA cap, there’s no guarantee that their situation will remain stable. Landlords can raise rents over time, and if these increases exceed the LHA cap, families find themselves struggling to cover the shortfall.

4. Eviction Risk: Families unable to meet their rental obligations due to the gap between LHA and actual rents are at a high risk of eviction. This instability can be especially damaging for children, disrupting their education, social connections, and overall well-being.

5. Increased Reliance on Temporary Accommodation: The failure of LHA to cover housing costs often results in families being placed in temporary accommodation, such as homeless shelters or emergency housing. These arrangements are meant to be short-term solutions but can become prolonged due to the difficulty of finding suitable, affordable housing.

Addressing the Issue

To tackle the issue of family homelessness exacerbated by the Local Housing Allowance system, comprehensive reforms are necessary:

  1. LHA Adjustment: Regularly update the LHA cap to reflect current market rents accurately. This could be based on real-time data rather than relying on periodic adjustments that might lag changing market conditions.
  2. Targeted Support: Implement measures that specifically address the needs of families. This could include allocating additional funds for families with children to cover the higher costs associated with raising a family.
  3. Preventative Strategies: Invest in preventative measures, such as mediation services to help families at risk of eviction negotiate with landlords or programs that provide financial counseling to help families manage their housing costs.
  4. Affordable Housing Initiatives: Increase the availability of genuinely affordable housing units in high-demand areas. This could involve collaborations between government agencies, non-profit organizations, and private developers.
  5. Tenant Rights and Protections: Strengthen tenant rights to ensure families are not unfairly evicted due to rental increases beyond their control.

So why is the government not doing anything about it and why are more and more people developing mental health issues or their mental health deteriorating due to the direct strain of housing and financial difficulties because of greedy landlords and bureaucratic red tape?

Why is local housing not in line with the current rates of inflation and the impact on Mental Health & Suicide?

The Stagnant Local Housing Allowance: A Challenge in the Face of Inflation and Rising Rents

In recent years, the issue of affordable housing has gained significant attention as rental prices continue to climb, making it increasingly difficult for individuals and families to secure suitable accommodation. One crucial lifeline for those struggling to cover housing costs is the local housing allowance (LHA), a welfare payment designed to aid low-income households in affording rental accommodations. However, a growing concern has emerged as local councils have failed to increase the LHA in tandem with the rate of inflation and the surge in rents imposed by landlords.

The local housing allowance is a vital support mechanism that ensures vulnerable individuals and families have access to safe and adequate housing. Its purpose is to bridge the gap between what people can afford and the ever-increasing cost of rental properties. Ideally, the LHA should be adjusted annually to reflect changes in the economy, including inflation and fluctuations in rental prices. However, the reality paints a different picture, with many local councils neglecting to make necessary adjustments.

Several factors contribute to this discrepancy between rising rents and stagnant local housing allowances. One key challenge is the broader economic landscape, which affects the financial resources available to local councils. Budget constraints and competing priorities often force councils to make difficult decisions about where to allocate funds. Unfortunately, the LHA might not always be at the forefront of these discussions, leaving it underfunded and out of touch with the real cost of living.

Furthermore, the dynamics between landlords and tenants play a role in this issue. Landlords, motivated by market demand and seeking higher profits, can raise rents as they see fit. When the local housing allowance fails to keep pace with these increases, it puts vulnerable tenants in an incredibly precarious position. They are left struggling to cover the widening gap between their housing allowance and the actual rental costs, often facing the threat of eviction or homelessness.

The lack of alignment between the local housing allowance and the rising cost of living also has broader societal implications. Families forced to spend an increasing portion of their income on housing may have less money available for other essentials like food, education, healthcare, and transportation. This financial strain can lead to a cycle of poverty, impacting the overall well-being of individuals and communities.

To address this pressing issue, a collaborative effort is required on multiple fronts. Local councils must prioritize the regular review and adjustment of the local housing allowance to ensure it remains relevant to the current economic landscape. Advocacy groups, nonprofits, and social welfare organizations can play a crucial role in raising awareness about the impact of inadequate housing support and putting pressure on policymakers to take action.

Moreover, creating policies that incentivize affordable housing development can help alleviate the pressure on the rental market. This might involve working with landlords to encourage reasonable rent increases, as well as investing in the construction of affordable housing units.

The disparity between the local housing allowance and the rising cost of renting presents a critical challenge for low-income households. To mitigate the effects of this issue, local councils, policymakers, and community stakeholders must collaborate to ensure that the LHA is regularly adjusted to reflect inflation and changes in the rental market. Only through proactive measures can we safeguard the well-being of vulnerable individuals and families, providing them with the opportunity to access safe and stable housing without sacrificing other essential needs.

Impact on Mental Health & Rise of Suicide

An estimated 741 deaths of homeless people in England and Wales were registered in 2021, with a 95% confidence interval of 658 to 824 estimated deaths.

Deaths of homeless people in England and Wales – Office for National Statistics (ons.gov.uk)

NHS

The NHS is already under a lot of strain. Councils and Landlords are causing mental health issues due to increasing rents exponentially.

The NHS is facing a lot of strain because of the influx of mental health disorders due to the cost of living price rises. A report by the NHS Confederation says that mental health services are struggling to meet the demand for support caused by the COVID-19 pandemic and the cost-of-living crisis, which can lead to stress, anxiety, isolation, and low mood. Another report by NHS Providers says that 8 million people in England cannot get specialist help because they are not sick enough to qualify and that the mental health budget needs to increase by at least £2.85bn from next year. The Guardian also reports that the number of patients who have received hospital treatment for mood disorders in England has decreased by a third in five years, due to a shortage of mental health beds. The BMA also highlights that the NHS has been facing years of inadequate planning and chronic under-resourcing, which affects its ability to cope with the pressures.

Even Martin Lewis (MoneySavingExpert.com) has admitted money and mental health do not mix: ‘I’ve had my dark days.’ Why Martin Lewis Knows Mental Illness and money don’t mix | Mental health | The Guardian

Mental Health & Suicide

The Silent Crisis: Mental Health and Suicide Surge Linked to Inadequate Local Housing Allowance

A quiet crisis has been brewing beneath the surface of society, one that is directly tied to the skyrocketing cost of living and the failure of local housing allowances to keep pace with inflation. The harrowing consequences of this issue are becoming increasingly evident, as mental health struggles and suicide rates surge among vulnerable populations who find themselves trapped in a cycle of financial instability and housing insecurity. Alcohol Abuse is on the rise: Alcoholism Symptoms And Warning Signs – Addiction Center

The local housing allowance, a crucial component of the social safety net, was designed to provide a lifeline for low-income individuals and families, ensuring that they have access to affordable housing. However, as the cost of living continues to rise and the gap widens between rental prices and the allowance provided, a growing number of people are finding themselves in untenable situations.

The Cost of Living Crisis: A Ticking Time Bomb for Mental Health

With inflation outpacing the adjustments made to local housing allowances, many individuals relying on these benefits are struggling to make ends meet. The cost of rent, utilities, and basic necessities now often exceeds the financial support they receive, forcing them to choose between paying the bills and putting food on the table. This financial strain is a breeding ground for stress, anxiety, and depression, which can have devastating effects on mental health.

As families are rendered homeless due to the lack of affordable options, feelings of hopelessness and despair escalate. The toll on mental well-being is exacerbated by the sense of helplessness in the face of a seemingly unbreakable cycle of poverty and housing instability.

Rising Suicide Rates: A Disturbing Consequence

Tragically, the inadequacy of local housing allowances and the rise in living costs are not just affecting mental health—they’re also contributing to a surge in suicide rates. The strain of financial hardship, coupled with the emotional toll of housing instability, can push individuals to their breaking point. The feeling of being trapped with no way out can lead to a sense of desperation that is difficult to comprehend for those who haven’t experienced it firsthand.

Researchers and mental health professionals are sounding the alarm about this alarming trend. The connection between economic hardship and mental health struggles, including suicidal ideation, is well-documented. The inability to secure stable, safe housing amplifies these challenges, creating a deeply concerning feedback loop.

A Call to Action

Addressing this crisis requires a multi-faceted approach. First and foremost, there is an urgent need to reevaluate and adjust local housing allowances to be in line with the real costs of living. A dynamic system that takes into account regional variations and inflation rates is essential to ensure that vulnerable individuals and families are adequately supported.

Furthermore, investment in mental health support services is paramount. Providing accessible counseling, therapy, and crisis intervention resources can be a lifeline for those facing the darkest moments of their lives. Financial education and job training programs can also help empower individuals to break free from the cycle of poverty and instability.

The rise of mental health struggles and suicide rates due to the inadequacy of local housing allowances is a pressing issue that demands immediate attention. As a society, we must recognize the intertwined nature of housing, economics, and mental health, and take decisive action to provide relief to those who are suffering. Only through collaborative efforts can we hope to reverse this distressing trend and create a brighter, more stable future for all.

Rent Increases

Many private landlords will be increasing rents in response to the increase in mortgage interest rates. However, there are quite a few who do not realize there is a rent cap and think they can charge what they want. Limit on annual rent increases 2023-24 (from April 2023) – GOV.UK (www.gov.uk)

Such landlords will be made to reimburse the difference of the government guidelines if found guilty. A tenant should dispute their rent with the landlord or agency first before taking further action.

Fewer properties are becoming unavailable to those on low incomes. As a result, households are struggling to pay their housing costs exacerbating the cost of living crisis with many having to go without meals to pay their bills.

Renter Reform Bill

Tenants should be protected from no-fault evictions and according to Polly Neate, chief executive of Shelter, said: “The government is failing renters by stalling on the Renters Reform Bill. For each day that MPs are off on their six-week summer break, another 172 families will be hit with a no-fault eviction notice – giving them just two months to pack up and leave their homes”.

https://cymrumarketing.com/renters-reform-bill-to-abolish-section-21-no-fault-eviction-notices/

Shelter Five Recommendations

  1. Local Housing Allowance (LHA) should be restored to cover at least the cheapest 30% (i.e. bottom third) of local rents. The government should make this a priority measure for tackling the cost of living crisis to avoid a wave of homelessness.
  2. LHA rates should be re-linked to the cost of renting in future years to keep them in line with at least the 30th percentile as the private rental market fluctuates.
  3. The household benefit cap must be abolished or, at the least, its level should be urgently reviewed before the end of 2022 as recommended by the Work and Pensions Select Committee.
  4. The data used to determine LHA should be reviewed, particularly regarding whether The current determination of the 30th percentile is an accurate reflection of the cost of modest homes.
  5. In the longer term, there must be investment in a new generation of social housing, with rents pegged to local income. This is the only truly affordable tenure and is the key to insulating households from future price shocks.

Soaring rents and frozen housing benefit leaves renters facing housing cost crisis | Shelter

Wales’ Housing Crisis: making the LHA work for Wales – Bevan Foundation

Discretionary housing payments – Shelter Cymru

Final Notes

Family homelessness is a complex issue influenced by various factors, including housing policies like the Local Housing Allowance. While the LHA system was designed to provide support to low-income families, its limitations have led to unintended consequences, leaving families vulnerable to homelessness. By reevaluating and reforming the LHA system and implementing supportive policies, societies can work toward ensuring that families have a stable and secure place to call home, fostering healthier communities and brighter futures for all.

It comes as no surprise that the housing crisis is in the news today, that councils are struggling with homelessness but are not increasing the LHA even though they have been funded £1 Billion. Councils struggling to cope with rising levels of homelessness says charity (msn.com)

According to a Government spokesperson said: “We are determined to prevent homelessness before it occurs. Temporary accommodation ensures no family is without a roof over their head, but we have been clear that the use of B&Bs should always be a last resort. “We have given £2 billion over three years to help local authorities tackle homelessness and rough sleeping, targeted to areas where it is needed most. “We are set to spend over £30 billion on housing support this year, on top of significant cost-of-living help worth around £3,300 per household. We’ve also maintained our £1 billion boost to Local Housing Allowance, while our discretionary housing payments provide a safety net for anyone struggling to meet their rent or housing costs.”

Starving Families

It begs the question of how many people including children are starving behind closed doors just so that parents keep a roof over their heads and what is the result for many who suffer mental health issues or whose mental health deteriorates due to the rise of the cost of living, where in many cases is non reversible. According to the Child Poverty Action Group (CPAG), 4.2 million children were living in poverty in the UK in 2021/2022. That is one in three children. Around 350,000 more children were pushed into poverty last year.

Poorest UK families enduring ‘frightening’ collapse in living standards, survey finds | Poverty | The Guardian

What is child poverty? UK statistics in the cost of living crisis – The Big Issue

Unless you have a high-paid job, low-income families or people living alone are unable to survive on one income. For people who have partners, there are in most cases two incomes, but for the person living alone, it is much harder to make ends meet. People who are employed have a guaranteed income whilst self-employed people don’t.

Vulnerable People With Mental health Disabilities

People with mental health disabilities are more susceptible to having their disorders worsen from mounting financial pressure.

Accountability

Where there is blame there is a claim: If the landlord causes you financial hardship and puts obstacles in your way to stop you from earning an income (working from home or running an online business) or causing you emotional distress and your mental health to deteriorate they should be made accountable. https://cymrumarketing.com/understanding-search-engine-business-pages-terms-and-seo/

Nowhere to turn…

Remember wherever there is a problem there is a solution and you should never give up the fight. There are many useful resources not only on our sites but also by simply searching.

It may sound easy to say and give advice, but believe me, I am an advocate for mental health and know firsthand how hard it is when you are faced with depression, hence I document my health online as a form of self-help therapy.

If you feel you have no support try reaching out to some of the organizations listed below and if you feel life is unbearable and you cannot cope call emergency services or visit A&E or ER.

Health & Wellbeing Useful Links

DRUG & ALCOHOL ABUSE

MENTAL HEALTH SUPPORT

SUICIDE SUPPORT

If you have suicidal thoughts, talk to someone about them. If you do not have any friends or family reach out to the Samaritans on 116 123 For Free. Sometimes talking to a stranger can help you put things into perspective and help you tackle daily challenges. Arrange an appointment with your local doctor and explain how you are feeling. Do not drink alcohol or take recreational drugs as this may make the matter worse. Seek professional help ASAP.

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Landlords & Tenants Useful Links

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#lha #localhousingallowance #mentalhealth #depression #emotionaldistress #homelessness #costofliving #rentincreases #rentcaps #reformbill #roguelandlords #emotionaldistress #discrimination #intimidation #depression #suicide #section21notice #eviction #yourrights #renting #landlords #tenants #privatelandlords #finacialdifficulty

Navigating the Cost of Living Crisis: A Guide for Pensioners

Wed, June 28, 2023 / CMJUK

Image Credit: Pixabay

Navigating the Cost of Living Crisis: A Guide for Pensioners

Introduction:

The cost of living crisis is a significant concern for people from all walks of life, but it can be particularly challenging for pensioners. With rising prices, stagnant pensions, and limited income sources, pensioners need to adopt strategies to navigate this challenging financial landscape. In this article, we will explore several practical ways pensioners can survive and even thrive despite the cost of living crisis.

  1. Budgeting and Financial Planning: Budgeting is essential for everyone, but it becomes even more critical during a cost of living crisis. Pensioners should carefully assess their monthly expenses and identify areas where they can make cuts or find more affordable alternatives. Creating a realistic budget will help pensioners prioritize their spending and allocate resources efficiently.
  2. Maximize Benefits and Entitlements: Many pensioners are eligible for various benefits and entitlements, but they often go unclaimed due to a lack of awareness. It is essential to stay informed about available programs and schemes designed specifically for seniors. Governments and charitable organizations often offer assistance with healthcare, housing, utilities, and food. Utilizing these resources can help alleviate financial burdens and provide much-needed support.
  3. Explore Part-time Work or Flexible Employment: While working full-time may not be feasible or desirable for many pensioners, exploring part-time work or flexible employment options can be a viable solution. This can provide additional income to supplement pensions and make it easier to meet rising costs. Consider freelance work, consulting, or even pursuing a hobby or passion that can generate income.
  4. Downsize and Simplify: Many pensioners find themselves living in houses that are too big for their current needs, resulting in high maintenance and utility costs. Downsizing to a smaller, more manageable property can significantly reduce expenses. Furthermore, simplifying one’s lifestyle and decluttering can also help cut down on unnecessary expenses.
  5. Embrace Energy Efficiency: Rising energy costs can have a substantial impact on a pensioner’s budget. Implementing energy-efficient practices and investing in energy-saving appliances can help reduce utility bills. Simple measures such as turning off lights when not in use, insulating homes, and using energy-efficient light bulbs can make a noticeable difference over time.
  6. Seek Out Senior Discounts and Offers: Many businesses offer special discounts and offers for senior citizens. From restaurants and grocery stores to entertainment venues and public transportation, taking advantage of these discounts can result in significant savings. Always inquire about senior rates and keep an eye out for promotional deals designed for pensioners.
  7. Community Support and Shared Resources: Pensioners can benefit greatly from community support networks and shared resources. Joining senior centers, clubs, or social groups can provide opportunities for companionship and shared experiences. Moreover, pooling resources with neighbors or friends can help reduce costs through collective buying or sharing services.

Here’s a list of things pensioners can do to help with the cost of living:

  1. Budget and track expenses: Create a monthly budget to assess income and expenses. Track spending to identify areas where savings can be made.
  2. Maximize pension benefits: Understand all available pension benefits and entitlements. Ensure you are receiving the full amount you are entitled to by staying informed and seeking professional advice if needed.
  3. Take advantage of senior discounts: Many businesses offer discounts exclusively for senior citizens. Utilize these discounts for groceries, dining, entertainment, transportation, and more.
  4. Explore cost-saving healthcare options: Research healthcare plans and insurance options to find the most affordable coverage. Consider switching to generic medications and ask your healthcare provider for cheaper alternatives whenever possible.
  5. Downsize living arrangements: If living in a larger house or apartment is becoming expensive, consider downsizing to a smaller, more manageable property. This can reduce mortgage/rent, maintenance, and utility costs.
  6. Cut unnecessary expenses: Review your expenses and identify non-essential items or services that can be eliminated. For example, cancel unused subscriptions, reduce dining out, and limit unnecessary purchases.
  7. Embrace energy-saving practices: Implement energy-saving measures such as using energy-efficient light bulbs, insulating windows and doors, and turning off lights and appliances when not in use. This can significantly reduce utility bills.
  8. Utilize community resources: Research local community programs, charities, and organizations that offer assistance to seniors. These resources can provide support for housing, transportation, food, and other essential needs.
  9. Consider part-time work or flexible employment: Explore opportunities for part-time work or flexible employment to supplement your pension income. Look for positions that match your skills and interests or consider self-employment in a field you enjoy.
  10. Shop wisely and compare prices: Before making purchases, compare prices from different stores or online retailers. Look for sales, discounts, and promotions to get the best deals.
  11. Cook at home: Preparing meals at home is generally more cost-effective than dining out. Plan your meals, shop for groceries with a list, and cook in batches to save time and money.
  12. Share expenses with others: Consider sharing living arrangements or expenses with a roommate or family member. This can help reduce housing costs, utilities, and other shared expenses.
  13. Take advantage of free or low-cost leisure activities: Look for free or low-cost activities in your community, such as local events, library programs, senior centers, or discounted movie showings. Engaging in these activities can provide entertainment without straining your budget.
  14. Maintain good health: Taking care of your health can help reduce medical expenses in the long run. Maintain a healthy lifestyle by exercising regularly, eating nutritious meals, and getting regular check-ups.
  15. Seek financial advice: If you’re facing significant financial challenges, consider consulting a financial advisor who specializes in retirement planning. They can provide personalized advice based on your specific circumstances.

Conclusion

Remember, everyone’s financial situation is unique, and these suggestions may not apply to everyone. It’s important to assess your own circumstances and make decisions that align with your individual needs and goals.

While the cost of living crisis poses challenges for pensioners, there are practical strategies to navigate through these difficult times. By implementing budgeting techniques, maximizing benefits, exploring part-time work, downsizing, embracing energy efficiency, utilizing senior discounts, and tapping into community support networks, pensioners can mitigate the impact of rising costs and maintain a better quality of life. It is essential for pensioners to remain proactive, stay informed, and adapt to the changing financial landscape to overcome the cost of living crisis.

Further Reading

Tips for Pensioners for Surviving the Cost of Living Crisis – (equityreleasewarehouse.com)

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How To Reduce Your Energy Usage Home & Business

Tue, August 23, 2022 / CMJUK / 2 Comments
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How To Reduce Your Energy Usage Home & Business

21 Tips On How To Reduce Your Energy Usage In Your Home & Business

I start this post with the concerning price hikes of energy providers it is predicted by experts that the energy price cap, currently at £1,971 a year, could skyrocket to £6,000 next April.

Energy consultancy Auxilione said the cap is expected to reach £3,576 in October, rising to £4,799 in January, and finally hitting £6,089 in April.  Rishi Sunak, has said he would also scrap VAT on energy bills for the next year in a move that would save households around £160 a year.

Poverty Advice.

Now as a consumer £160 is a saving of £13.34 per month which does not sound like much of a saving. ‘Help Is Coming’ To Ease Cost Of Living Pressures, Cabinet Minister Says | HuffPost UK Politics (huffingtonpost.co.uk)

Both leadership rivals Rishi Sunak and Liz Truss who are battling it out to be the next Prime Minister do not know the meaning of the words (Poverty & Depression) They have never experienced poverty for themselves nor their entourage on pen pushers and have never had to worry about how to make ends meet and put food on the table or a keep a roof over their heads.

So it seems ironic that they can dictate to the less well-off their mediocre plans to reduce the cost of living and they will study proposals from the Treasury over how to bring bills down for families. Perhaps if they spent more time with real people living in poverty, instead of owing trillions to the EU over Brexit people would not be suffering.

If I could be Prime Minister I would put a wage cap of £1,000,000 after that any money earned would have to be taxed exponentially.

I would not let anyone vote that did not know anything about economics or politics. The ones that were to vote would have to prove they had qualifications, experience, and an IQ. This is why the UK owe trillions to the EU because they allowed everyone to vote over the age of 18 regardless if they finished their GCSEs or not.

Cost of Living Payment £400 or £650 divided by 12 months works out £33.34 to £52.17 per month. So if bills are going to be predicted at £500 per month from next April how is this tiny offering helping families who may be not in poverty now but will be because of this elaborate game of Monopoly?

Don’t Pay (dontpay.uk)

Don’t Pay Campaign – I DISAGREE WITH THE CAMPAIGN- (Instead Reduce Your Usage).

Yes I know I will have about 113,000 people disagreeing with me at the time this article has gone to press.

But if you don’t pay you will get into debt because you still owe money regardless.

The ONLY WAY to overcome this is to REDUCE YOUR USAGE so that you do not have to pay so much.

Stopping your direct debits without a payment plan in place will cause your account to go to debt recovery.

Debt collectors put their costs on top of recovering the debt and you will be forced to have a smart meter. How Safe Are Smart Meters For Your Health? | DISABLED ENTREPRENEUR – DISABILITY UK Not only will you get into debt, but it will also damage your credit rating making it difficult to get credit in the future.

There is currently a campaign going on planned for the 1st of October 2022 Don’t Pay (dontpay.uk) to get the consumer to refuse to pay their utility bills and cancel their direct debits.

I disagree with the campaign and I only agree with one thing and that is to stop your Direct Debits and MOVE OVER TO A MONTHLY PAYMENT PLAN ( Magnetic Card or Bank transfer) where you can pay at a post office, bank transfer, or via their websites.

I do NOT agree that everyone should stop paying their bills this will be catastrophic and will cause a domino effect. People will get into debt and will have debt collectors chasing them.

Direct Debits were a way to conveniently pay on time and also save you a bit of money paying via this method, according to British Gas you could save up to 7% off the cost of your energy when you pay by Direct Debit (example – 7% on a bill of £100 you would save £7.00) This will be shown as a discount line on your bill. But if they raise their prices you will not be saving anything and having a Direct Debit allows them the take out more money even if you cannot afford it. Don’t Pay (dontpay.uk)

My Advice.

  1. CONTACT YOUR UTILITY PROVIDERS – and ask them to switch to a magnetic card and pay at a post office or online. Ask them for their bank details if you intend to pay by bank transfer or set up a standing order with your bank where you have control of your bank account.
  2. CANCEL YOUR DIRECT DEBITS ASAP – do not wait until October, but you must change to a payment plan first by contacting your energy provider. They may be insistent you must have a direct debit agreement, do not get intimidated.
  3. REDUCE YOUR USAGE – The less you use the less money they make and their profits will drop. This is the ultimate way to hurt them where it hurts and that is in their pockets.
  4. DO NOT STOP PAYING – continue paying your usual amount.
  5. DO REGULAR METER READINGS – and monitor your usage.
  6. REFUSE SMART METER INSTALLATION – https://disabledentrepreneur.uk/how-safe-are-smart-meters-for-your-health/
  7. IF THEY REFUSE TO PUT YOU ON A PAYMENT PLAN – Write to them with your proposal of what you intend to pay and on what day of the month.
  8. IF YOU HAVE NO PAYMENT PLAN AND HAVE CANCELLED YOUR DIRECT DEBIT – they may demand all the money you owe in one lump sum. Continue paying your usual affordable monthly payment and contact them again but continue reducing your energy consumption, whilst updating them weekly by phone or email. (The calls are recorded). Keep a note of when you made the call and keep a diary of the conversation. This will come in handy when things start to escalate. They will threaten you with debt collection agencies and will add recovery fees on top of what you owe.
  9. IF THEY THREATEN YOU WITH A DEBT COLLECTION AGENCY – report them to OFGEM (The utility & telecommunication ombudsman), I will add their contact detail towards the end of this article.
  10. CONTACT YOUR GP – There is an article in the news if you are unwell because of the way creditors are behaving you should contact your GP and they can write a prescription letter: Brits could get money off their energy bills by getting a PRESCRIPTION from their GP under radical new plans | The Sun (To be honest I do not know how that would work unless you genuinely were diagnosed with a disability. I use my www.disabilityuk.co.uk site to document my health) and encourage anyone facing difficulties to reach out.

MEDIA.

This is what the media are saying about not paying your bills which can land you in heaps of trouble: What is ‘Don’t Pay UK’ and what could happen if you refuse to pay soaring energy bills? | ITV News

How might a mass payment strike impact the energy industry?

Hafez Abdo an associate professor at the University of Nottingham Energy Insitute was quoted as saying “Such action may have detrimental consequences on energy companies and supply chains”.

While acknowledging that non-payment would be a means of expressing anger at “unbearable” energy prices, Mr. Abdo explained that some firms might suffer “a severe hit to their cash inflow and this means these companies would not be able to pay for their liabilities and other operating costs”.

“People may lose their jobs and businesses in the supply chain may go bankrupt”.

So although the prospect of all the CEOs of the utility companies losing their jobs sounds promising, the knock-on effect on everyone else would prove detrimental to the energy industry. I believe if everyone reduced their usage drastically this would hurt the energy provider’s profits.

BREAKING NEWS

SIGN THE PETITION!

It does not surprise me that ‘Amnesty International has just announced in Breaking News that our ‘Human Rights are being taken away from us by the UK government which by coincidence will be in preparation for ‘Civil Unrest/Disobedience’ the ‘Don’t Pay’ Campaign is going to cause. Home | Amnesty International UK

How To Reduce Your Home Energy Consumption.

Reduce Your Energy Usage – Hit Utility Companies Where It Hurts!

As the alarming energy bills rise, we must find ways to dramatically reduce your fuel consumption and monthly costs.

Winter is around the corner and energy bills are at a record high we need to start preparing to combat the problem and that is not to refuse to pay as that will land you in debt.

Obviously, some of the suggestions in the list only apply to homeowners but for people who rent, you have to make do with what you have and your own resources. for example, none of my windows are double glazed and I’ve been in rented accommodation through a private landlord. Therefore the Landlord should be as much to blame as the utility companies for me using more energy to keep my home warm.

1. Invest in Building insulation, roofing solutions, and draught proofing

Winter-proof your home by installing draught-proofing strips around window frames and door edges. Consumer group Which? suggests using a special inflatable balloon designed to block unused open chimneys and silicone-based filler to fill gaps in floorboards and skirting. (Although this applies to homeowners, landlords should also be made to be responsible to keep your home warm).

COST: Diall self-adhesive draught seal, 98p per meter (www.diy.com); chimney balloon, £18.99 (www.amazon.co.uk)’ Osmo gap sealer, £10.27 (www.rawlinspaints.com).

If you are a renter and plan to insulate your home yourself, keep a record/receipts of the items you have bought.

Check for leaks and drafts in your building, your premises won’t be energy efficient. Invest in insulation to cut down your energy consumption by 10%. Ceiling insulation is equally important. It is an essential part that helps keep the warmth in during winter and can cool the property in summer. Loft insulation can keep indoors up to a 10c cooler during the summer (this is a homeowner/landlord problem) – I do not have loft insulation.

Certain roof tiles are better at reflecting the sun’s rays, or you can paint a roof with heat reflective paint. This reduces the amount of heat absorbed during the summer months and puts less pressure on cooling devices.

2. Unplug gadgets

Evaluate your gadgets, and refrain from leaving them on standby, especially if they are old. Unplugging could save £55 a year, according to the Energy Savings Trust. Unplug chargers when they are not in use and turn off your TVs, Computers, and Gaming Consoles.

READ MORE

COST: -Free

3. Swap your lightbulbs

Swap your lightbulbs to LED lightbulbs to save around £180 per year. My landing is usually quite dark living in a top-floor flat and up until the price hikes I used to have my landing light on 24/7 I have now changed my habits and only have it on at night using LED bulbs.

Switch to one of the following:

  • Compact fluorescent lamps (CFLs)

When possible, replace incandescent lamps with CFLs. Make sure you install compatible dimming technology if there is already a dimming system in place.

  • T8 (if your office lights use fluorescent T12)

When fluorescent T-12 lamps need replacing you have the option to switch to T-8 lamps and change from magnetic ballast to electronic.

  • Light-emitting diodes (LEDs)

LED lights are your best choice – they use up to 75% less energy and they last 25 years longer than standard bulbs.

COST: Around £3 per bulb.

4. Defrost Freezer

My fridge freezer is on its way out. In the past, my landlord being the cheap skate always bought second-hand white goods so I replaced the appliance whenever I could afford to. I would much rather wait to buy a brand new fridge freezer than have something that will break every few months.

Your fridge-freezer costs on average £115 to run, but you can cut this down by defrosting food in your fridge to help cool your fridge temperature down. Don’t put hot food in the fridge or freezer. Let it cool down first. Don’t let ice build-up, as this makes freezers less efficient

(This is a problem for me as one of the trays has completely frosted over).

COST – Free

5. Insulate your loft

This is for the homeowner and your landlord to do (but if your landlord does not like to spend money he is not obliged to insulate anything in your home and it is up to you to claim compensation when you leave the property. Keep a record of your costs and how much money you could have saved by obtaining an energy efficiency report. Off the top of my head, they are around £40 but I could be wrong (Do your research). Getting your loft insulated saves up to £ 135 a year according to Which? Make sure it is at least 270mm thick for optimum impact. This will make your loft colder so, at the same time, insulate any water pipes up there. (This is a homeowner/property owner or landlord problem).

COST: Between £400 and £600 according to checkatrade.com, significantly less if you do it yourself.

6. Reflect heat

If you plan to use radiators this winter consider fitting reflector panels behind radiators on uninsulated external walls will keep your room warmer and could save you around £25 a year, said Joanna O’Loan, knowledge manager at the Energy Saving Trust.

COST: £7.59 for 1.88 sq m (www.screwfix.com)

Screwfix has reflector panels for sale for £7.59 

I have noticed that gas is costing more than electricity, so this winter I will not be putting my central heating on and will use oil-filled electric radiators Last year for three months straight I would have my central heating on 24/7, my usage is drastically going to change this winter coming. I will only be using the radiators when it is extremely cold. I plan to wear multiple layers of thermal clothing and thermal wear socks in bed. I have an existing issue going on with my gas energy provider so I begrudge giving them any more money than I have to.

7. Heat only what you need

Save hot water by not washing up every five minutes let your dishes pile up (not too much, though), and use a plug in your sink or a washing-up bowl.

COST: Recycled plastic washing-up bowl, £4 (www.johnlewis.com).

Air dry clothes

Hang washing out to dry (or on the radiator in winter) rather than using a power-guzzling tumble dryer. A tumble dryer costs £105 (based on 148 cycles per year) to run. (I have a washer/dryer and wash once a week, so if I wash on average once a week rounded off to 50 cycles will cost about £30 per annum, I have just saved £70 per year).

COST: Free, if you hang out your clothing to air dry.

8. Be savvy with appliance use

Cookers – I wanted to have an electric cooker when I bought the appliance only to find out later that I needed a special connection plug and thought my landlord would moan about the added expense so I settled for Gas, which now is costing an arm and a leg to run. I have reduced my cooking to 10 -12 days a month the rest of the time I have sandwiches, salads, and ready-made meals which can be heated in a microwave. Electric hobs cost £85 per year, versus £60 for an electric oven (based on 135 uses), so theoretically baking is cheaper than cooking on a hob. Consider ready-made meals which you can heat up in a microwave. You can also cook jacket potatoes and other recipes, it does not all have to be ready-made. Microwave Cookbook 365: Enjoy 365 Days With Amazing Microwave Recipes In Your Own Microwave Cookbook!

Dishwashers – cost £55 for 135 uses, and should only be run when full. Use your hands and wash up in the sink.

Kettles – boiled 1,524 times in a year will cost £48. Reduce this by only boiling the amount of water you actually need. I used to drink hot drinks like coffee until I discovered energy drinks so I very rarely use the kettle unless I am boiling water for ramen noodles. There are plenty of alternatives to boiling the kettle every five minutes.

COST: Free.

9. Get smart with tech

Smart Thermostat

Most new versions of combi boilers come with a control that can regulate every room. If you do not have a state-of-the-art combi boiler you can consider investing in a smart thermostat that allows you to operate your heating remotely, so you can adjust it depending on the weather and your plans.

Smart thermostats are must-haves for all homes and businesses. Thanks to innovative mobile and web applications, motion sensors, and usage monitoring features, a smart thermostat can help you regulate the temperature with minimal effort or errors. Some are programmable and can automatically adjust temperature settings based on the time of the day and day of the week.

COST: This depends on what kind of radiator valves you have, but a smart thermostat costs around £225, including installation, according to checkatrade.com.

10. Upgrade your heating

Running your boiler accounts for around half of your energy use. If you’ve got an old boiler you could save around £195 per year by upgrading to an A-rated condensing boiler. (Check out energy grants to help with keeping your home warmer especially if you are vulnerable and have disabilities), even if you are renting your landlord will be over the moon if you are entitled to upgrades.

Turning down the temperature on your combi boiler and in your rooms can cut your gas bill by six to eight percent according to research by the Heating and Hot Water Council. Most boilers are set to provide water to radiators and taps at around 80°C – by turning it down to 70°C to save.

COST: Around £2,000.

11. Choose showers

Showering saves water and also saves money by running a hot bath. The Energy Saving Trust estimates that swapping a weekly bath with a four-minute shower will save £35 per person per year. A water-saving shower head will reduce the amount of hot water you use by adjusting the flow and spray pattern of water.

COST: Hansgrohe Crometta 85 Eco Shower Handset, £32.99 (www.screwfix.com).

12. Microwave on

Cooking in a microwave is the cheaper option especially if you buy ready meals.

There are plenty of cookbooks you can buy where you can cook from scratch: Amazon.co.uk : microwave cook books

Microwaves are cheaper to run than cookers and hobs, said Joanna O’Loan, knowledge manager at the Energy Saving Trust. Use it for anything that is slow to cook, for example, baked potatoes and risotto. Nigella Lawson famously uses her ‘meekro-wav-ay’ to make colcannon while Jamie Oliver has a nifty recipe for a microwaved steamed pudding that would help with insulating your tummy.

COST: Beko 20L Solo Microwave, £64.97 (www.appliancesdirect.co.uk).

13. Fit solar panels

Generating your own power is the most drastic option for energy savers, reducing bills by up to £ 400 per year. (£400 x 24 years =£9,600 would be how much I could have saved had I had solar panels. Solar power was invented in 1839 by French physicist Edmond Becquerel at the tender age of 19. Who Invented Solar Power? The Story of How & Who Discovered Solar Power

Solar panels work best on south-facing roofs, which are not shaded during the day and you will need expert advice to check if your home is suitable, and what kind of panels you will need (start by checking out: https://energysavingtrust.org.uk/).

If you do install solar panels you may be able to export the power you don’t use back to the grid, and get paid for it – the Energy Saving Trust estimates that typical earnings would come in at £80 to £110 per year. On this basis breaking even will take around 14 years, but in the current climate solar panels are turning into a real selling point if you are considering moving home.

Solar panels are a smart long-term strategy to save on energy costs and ensure that the energy used in your business is clean and renewable. Solar panels may have an expensive upfront cost but will recover that over several years. Once installed there are few maintenance issues and they will start to bring down your monthly energy bill.

COST: An average of £6,500 according to www.moneysavingexpert.com.

14. Look for efficiency

Avoid buying second-hand white goods, you will not know for certain how much money you may be wasting. If you intend on buying a new washing machine go for an energy-efficient model to save. Which? the research found that different models running costs vary from £15 per year to £70. Inthewash.com recommends the Haier HW80-B1439N 8kg washing machine for its combination of good value and low energy consumption. I personally would go for a brand I have heard of. My washer/dryer is an Indesit and I pay a monthly breakdown cover which costs me £5.00 per month.

COST: £399 (www.ao.com).

15. Wash at 30°C

Whatever model you have don’t run half-empty machines, wait until you have a full load. Washing clothes at 30°C instead of 40°C can save you around £9 a year.

COST: Free.

16. Go for Double Glazing

Double glazing is a job for homeowners and landlords, switching over from single to A-rated double glazing should save up to £110 per year. (£110 x 24 years = £2,640 that I could have saved over the years had I had double-glazed windows, the flat below me was fitted out but mine never was even though I have the longest tenant). An alternative to double-glazed windows on a budget is:

WINDOW FILM – The number one choice when you’re deciding how to insulate windows, whether you’re planning garage insulation or insulation in a shed, is window film. Made from plastic, window film is easy to apply and comes in a kit that generally includes the film and tape for the window. 

BUBBLE WRAP – is a good way to insulate a window if a warmer home is an urgent requirement. We have to admit that it’s not going to help any with the view, though.

USE CAULK – To insulate windows effectively, you may need to use a combination of methods for the best results. So, if you can feel a draft coming through the window before you apply the plastic film, try using caulk to seal the gaps.

HANG INSULATING CURTAINS – Hanging insulating curtains at the window can also help with insulation. This can be a solution you use after caulking and/or weatherstripping, and combined with the use of window film or bubble wrap.

COST: £200 to £700 per window according to doubleglazingnetwork.com

17. Air Conditioning

Planting trees outside of your office building can provide shade and keep the building cool during summer. Trees can also purify the air and create a much healthier home environment for your employees, this will reduce your air conditioning and air cooling costs if you are on a commercial property. Alternatively depending on where your home or business’s premises are located, you should consider covering up the windows with blinds. This stops direct sunlight from entering and heating the building. These can be particularly helpful on south-facing windows.

18. Invest in cogeneration systems

In large facilities, cogeneration energy systems – also known as Combined Heat and Power (CHP) systems – can recover waste heat from on-site generators and transform it into water and space heating.

19. Consider smart design elements

Whether you are a business and looking for premises or you are an architect planning on building a custom commercial property, you should consider energy-smart design elements such as reflective outside mirrors and rooftop green areas.

20. Shut off unused areas of the premises

If your business premises are extensive, consider shutting down a whole area and carrying out the work in just a portion of the building. This won’t just reduce running costs, it can also optimize operations.

21. Avoid buying secondhand

Every time your equipment, machinery, or system breaks down, see it as an opportunity to invest in better, more energy-efficient alternatives. If you have a piece of equipment that breaks down think of the repair costs and whether would it be better to trade in for a newer model rather than trying to fix things? The cheapest option is to buy a breakdown cover that way you will not get charged for callouts or repairs and if they cannot fix it they will replace it. Buying a breakdown cover is better than having to find a large wad of money to buy new equipment. This might seem an unnecessary cost at first, but you will be able to count on more efficient tools that will last longer.

FURTHER READING

62 Tips to Reduce Energy Consumption in your Business (professionalenergy.co.uk)

Why thousands are joining the ‘Don’t Pay Campaign’ as energy prices rise | ITV News Central

More than 100,000 people join Don’t Pay UK in protest against energy price rises | UK cost of living crisis | The Guardian

Dont Pay UK: Movement gains support as BP reveal record profits (thelondoneconomic.com)

FINAL WORDS FROM THE EDITOR

Be prepared for energy prices to soar to £6,000 from April next year. Start making changes and avoid getting yourself into debt.

I have compiled a list of useful links on my other site. I have also included OFGEM energy and telecommunications ombudsman details, plus many links to financial support & charities. USEFUL LINKS | DISABLED ENTREPRENEUR – DISABILITY UK

ENERGY & UTILITY BILLS SUPPORT

https://britishgasenergytrust.org.uk/ (Help With Utility Bills)

https://britishgasenergytrust.org.uk/fuel-and-money-advice/

https://www.stepchange.org/

https://www.turn2us.org.uk/

Complaints

OFGEM

https://www.ofgem.gov.uk

Contact:

Energy Ombudsman complaints form or call 0330 440 1624

British Gas complaints.

Contacts; https://www.britishgas.co.uk/complaints/make-a-complaint-credit.html

You can do one of the following:

  • Fill in an online form
  • Online Chat
  • Phone: 0333 202 9532
  • Email Customer Complaints at: customercomplaints@britishgas.co.uk (This fell on deaf ears, just saying).

Remember to keep a log of all phone calls you make, emails you send and ask for copies of transcripts if you are on online chat, and any phone calls you make.

Just beware that ‘British Gas’ online chat says they send out transcripts of your conversations but in reality, they do not so screenshot your conversations.

Do not be intimidated by any of your energy suppliers, they may use bully tactics and tell you the only way you can have a payment plan is if you have a Direct Debit (this actually happened to me so I reported them to the ombudsman) You have every right for them to move you to a magnetic card payment plan whereby you can go to the post office or pay by bank transfer, standing order or online via their websites.

Do cancel your direct debits asap after you have communicated with your energy supplier. If you continue with a Direct Debit you essentially give the energy supplier a license to increase the payments and take money out of your account which you may not be able to cover.

Be in control of your bank account and do not let your bank account control you. Not having enough money to cover your direct debit will incur bank charges of up to £30 which will start getting you in debt.

If you cancel your direct debit without a payment plan in place they will send your account to debt recovery where the debt collectors put a charge for collection on top of your bill. Always communicate with the energy supplier even if it means phoning them every single day.

Finally, reduce your usage (this is super important, have takeaways or ready-made meals or as I do, sandwiches, salads, takeaways or ramen noodles – I have managed to reduce my Gas to £30 pm.

They rely on profits and if everyone used less energy the less money they make!

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