New report from the Samaritans

By Adele Owen QPM, Greater Manchester Suicide Prevention & Bereavement Support Programme Manager, NHS Greater Manchester Integrated Care

With our partners in the Suicide Prevention Consortium, we have been exploring the relationship between economic disadvantage, suicide risk and self-harm in people’s own words.

We heard about experiences of economic disadvantage and how they relate to suicide, self-harm and bereavement by suicide. People told us about what they have found helpful, including a sense of community belonging, as well as changes they would like to see. Together with people with lived experience we developed recommendations that focus on creating a more human and person-centred whole system approach. We also need a system that is more aware of mental health issues and the economic challenges people face.

Three key changes we would like to see:

Better understanding in health services of self-harm and suicide risk: People expressed that neither their attitudes and beliefs, nor the complexities around suicide and self-harm were consistently taken into consideration as part of their care within the health system.

Suicide and self-harm awareness training within social security systems: People shared that their experiences of engaging with the benefits system were particularly difficult when they were in distress. There is an urgent need for increased understanding of self-harm and suicide by social security providers and for them to take an approach that is based on believing people’s experiences of distress.

Comprehensive funding and resources are needed for community based support: People shared the importance of inclusive support within their local areas, but expressed a lack of availability of appropriate support for them. They also highlighted the role of meaningful relationships as key protective factors for staying well and the need to increase opportunities to develop these.

Read more in our report: Insights from experience: economic disadvantage, suicide and self-harm.

“The conversations were raw, but they were real, from the heart, and you heard in the voices of the people telling us their lived experience that poverty, economical disadvantages were a catalyst in creating a tipping point to harming oneself or attempting to end it all. The people in the conversations had survived, (for now) but the truth is that the conversations need to continue, this work must become a new catalyst, one for change or at least one to help make change happen. My life has had ups and downs like many, but truly when you are not only dealing with your own mental health, or dealing with a worldwide pandemic too, the red line which is the need for change is also the issue of not being able to be warm or eat. Continue the conversation as there is a lot more to say.”

Over 90 organisations have asked politicians what they intend to do to help the millions of households still going without essentials.

In a letter to all UK political party leaders, the Joseph Rowntree Foundation (JRF), the Trussell Trust and other NGOs, charities and professional bodies including GMPA say that, despite living in one of the wealthiest countries in the world, nine in ten low-income households on Universal Credit are currently going without essentials. The letter comes as the Trussell Trust is due to reveal how many emergency food parcels were distributed by food banks in its network over the past year.

The cost-of-living crisis, which has seen the prices of everyday items like food and clothing soar since 2021, has made this problem worse. But the UK’s inadequate social security system hasn’t provided enough help for years. 2.4 million people experienced destitution at some point in 2019, up 54% since 2017.

Research by JRF and the Trussell Trust published earlier this year showed how the shortfall between the basic rate of Universal Credit and the cost of essentials, such as food, bills and vital household items, is a key driver behind increasing levels of hardship. The standard allowance of Universal Credit is only £85 a week for a single adult. That’s at least £35 a week below a conservative estimate of what’s needed to afford these essentials. Often people receive even less as they face deductions from their support which are automatically taken at unaffordable rates.

It’s why so many organisations from those helping single parents of young children to others helping people with mental health problems or long-term disabilities want the governments of the UK to back the Essentials Guarantee. This means ensuring that the basic rate of Universal Credit at least covers the cost of life’s essentials, with support never being pulled below that level. For more information, read our report, Guarantee Our Essentials, here.

Over two thirds of people in poverty (69%) would gain from the Essentials Guarantee which would benefit everyone in receipt of Universal Credit. It would also lift around 1.8 million people out of poverty altogether, including 600,000 children. Read more here.

Safe Sick Pay Campaign: Take Action with us!

By the Centre for Progressive Change

Currently one in three people in the UK struggle on Statutory Sick Pay when they are unwell, meaning they earn only £99 a week and lose 3 days pay before receiving any sick pay. A further 2 million do not qualify for sick pay at all, often those who work multiple or part-time jobs like cleaners, carers, and parents.

Statutory Sick Pay is a broken system that does not effectively support workers, public health or growth in our economy. The equivalent of £2.76 an hour, this is not enough to pay for rent, bills and food and can push working people into debt and poverty within days of being unwell.  Workers on SSP are more likely to be low-paid or in insecure work and therefore less likely to have savings to support them during this time, forcing many to decide whether to miss work, therefore losing income or going to work sick, risking the spread of illness and denying them the rest and treatment they need to get better quickly.

Three-fifths of respondents surveyed by mental health charity Mind stated that the reduction in income as a result of SSP negatively impacted on their mental health, with a quarter adding that this impact had slowed down their recovery. Two-thirds of respondents surveyed said that receiving SSP had caused them financial problems. For some it had caused them to go into debt. A quarter of respondents specifically mentioned that SSP had impacted on their ability to buy food or pay their bills.

As highlighted by a member of our campaign: “When I suffered a stroke at age 39 I nearly lost my house as the support I received was nowhere near enough to pay the bills. I had to return to work before I’d recovered properly just so I could start earning some sort of a wage to keep my family from being homeless.”

The Safe Sick Pay campaign is a community organising campaign aiming to transform the sick pay system and improve our physical and mental wellbeing and safety. We want to ensure that sick pay is available to everyone, from the first day that they are sick, and paid at a rate that means people can take the time off they need and still make ends meet. Our national supporters include the Bishop of London, Young Lives vs. Cancer, Mind, TUC, Disability Rights UK and a cross-party group of MPs.

We are bringing together a broad community alliance across Greater Manchester to empower those who have been affected by this issue to take action to change it. Organisations can take part in the local coalition in a variety of ways including supporting us to engage your membership to share their stories, taking part in local alliance meetings, and representing your community at a meeting with the local MP.

If this is an issue for you or the people you work with please get in touch.

By Claire Vibert and Kate Harding, the facilitation team for the Trafford PTC

Over the last 18 months, Trafford Poverty Truth Commission has been working hard to empower the voices of local residents living in poverty, inform those whose work has an impact on people experiencing poverty, and create ideas for tackling poverty locally that are truly led by the voices of lived experience. The Commission formally came to an end on March 10th in an event held at Stretford Public Hall.

In brief, a Poverty Truth Commission brings together a group of ‘Community Commissioners’ – or local residents with lived experience of poverty – with a group of ‘Civic Commissioners’ – these are senior leaders who, through their roles, have the ability to shape policies and services that affect people living in poverty. Through a process that focuses on relationship-building and centres individuals’ experiences, the Commissioners come together as one group, with no ‘us and them’, to work collectively to develop ideas and solutions to poverty locally.

As the facilitation team, it has been our privilege to work with our Community Commissioners, who are a group of inspirational people who have courageously shared their own stories, given up their time and worked together in the hope of a better future for everyone in Trafford. And we’ve also been encouraged by the openness, willingness to learn and readiness to implement change that our Civic Commissioners have shown throughout.

At the event on March 10th, we shared our full report for the first time. We’re really proud of this piece of work that the Commissioners developed over a number of months. Our recommendations focus on four key areas:

• Improve how Trafford residents access services.

• Continue to use the voice of lived experience in the development of policy and services in Trafford.

• Make public transport truly accessible for everyone.

• Tackle mental health and isolation.

Please take a look at the report to read more about the detail below the headlines: we’ve tried to come up with practical solutions that will make a real tangible difference.

We’re thrilled that the Commission has already had some positive outcomes. From one of our Community Commissioners, Lorenza, setting up cookery classes to tackle food poverty and share her knowledge and love of home cooked, nutritious food, to Trafford Leisure engaging with our Community Commissioners to help them develop their offer and make leisure facilities accessible to all residents. In addition, our Civic Commissioners have all made a pledge and we’ll be bringing the Commissioners back together regularly to hear about the progress they’re making in their own organisations.

Everyone involved in the Commission is determined that the end result of our work isn’t to simply produce a report, but to put the ideas we’ve developed into practice. Therefore we’re really pleased that Trafford Council have shown their commitment to tackling poverty by funding work to embed the report’s recommendations. Initially this will involve setting up an expert panel of residents with lived experience of poverty, who will be able to work with, and advise teams across the council and beyond who are developing policies and services. We’ll  also be developing a training offer to help those whose work impacts residents living in poverty have a better understanding of how poverty affects every aspect of someone’s life. So, watch this space!

Claire Vibert and Kate Harding

If you’d like to know more about our work, or think your organisation could be involved, just get in touch with Claire Vibert or Kate Harding.

By Mick McAteer and Gareth Evans, Financial Inclusion Centre

Millions of people are not served by the mainstream lending market and need alternative fair and affordable credit options. Recently, FairAll Finance published a report carried out by the Financial Inclusion Centre (FIC) and the Swoboda Research Centre on the benefits and risks associated with deduction lending products provided by credit unions. With deduction based loans, repayments are automatically deducted from wages (in the case of payroll savings loans) or from non means tested benefits (benefit loans). Importantly, the products have a savings element attached to the loan repayment.

The findings were very positive for both types of deduction loan – especially benefit loans. The majority of borrowers found the loans: easy to manage, reported the loan was affordable, helped them become more confident at managing their finances, and improved their financial wellbeing. Few benefit loan borrowers raised concerns about transferring benefits to their credit union. Similarly, few payroll savings loan borrowers were concerned about their employer knowing about their finances. People also reported that the savings element encouraged a savings habit and they intended to carry on saving once the loan had been repaid. People liked the automated element – both to help them repay the loan and save.

There are issues which need to be addressed. Around 10 percent of respondents reported difficulties in making loan repayments. A minority also said they didn’t understand they could stop payments if needed.

That’s why we developed the best practice recommendations. Good ideas can’t be left on the shelf – ideas must be turned into action. We want to expand access to affordable loans that work for people. But, that has to be done safely. As well as urging stakeholders to collaborate on promoting greater access to deduction loans, we suggested a set of best practice recommendations for credit unions to support development of these products. Credit unions should:

•  Conduct affordability assessments at the initial assessment stage and for repeat borrowing.

•  Put in place additional monitoring and communications to support borrowers who might be in financial difficulty.

•  Be proactive about embedding support packages (such as automated benefit entitlement checks, information about grants, and referrals to debt advice charities) into communications with accepted and declined borrowers.

•  Not be afraid to promote the positives of deduction lending, but don’t avoid telling borrowers about the commitments involved and how they can stop payments if they feel under pressure.

•  Make a point that anyone can be considered for a deduction loan, but be upfront that credit worthiness assessments and affordability checks will be done – this is a good thing for the borrower and the credit union. Our research suggest that acceptance rates for deduction loans were higher than for standard loans.

•  Be clear that payments can be stopped and show how, and in the case of payroll loans reassure that employers will not know about the borrower’s finances.

You might also like to check out the Greater Manchester Consortium of Community Credit Unions Soundpound article here

By Austin Duxbury, Assistant Head, Piper Hill Post 16  Dept, Wythenshawe 

Students at Piper Hill’s Post 16 department in Wythenshawe have been experiencing first-hand the impact of rising costs and funding cuts in schools and have decided to try to do something about it.

With schools having to find funds for combined energy bills for this autumn and winter that in many cases have more than trebled on 2020-21 levels there is little left in the budget to cover the myriad of other costs schools face each term. This includes the cost of staff bus and tram fares as they support students to become confident users of public transport in Manchester.

Piper Hill is a Specialist support school and all of the students need additional support. In the Post 16 department the focus is on a curriculum centred around developing students independent living skills and readiness for life after college. Being able to confidently access public transport is an essential part of this curriculum and without the support of another adult or for some students, two adults this is not possible.

There are many reasons that students require additional support on public transport, some of these relate to managing significant mobility challenges whilst other students need to be able to rely on someone to manage the social interaction required to take a bus or tram and support them to safely navigate their journey from where they get on to their destination.

Currently somebody who is entitled to a disability travel pass can travel for free on public transport but anybody supporting them to access this has to pay the full ticket price. In Manchester these costs must be met by the person with the disability, and this means that despite them having free travel for themselves they are paying out for the ticket required by the people who they need to support them. In most instances travelling alone and without support is not an option for these passengers which means their right to free travel is effectively being taken away, or in the case of Piper Hill students it is paid for from very limited school funds. This is proving to be a significant barrier for our students, their families and members of our wider community with SEND in accessing local facilities, support groups and leisure opportunities.

The current much publicised bus price cap campaign has only increased the cost of travel for many Manchester residents. Before the price change a single journey from our Post 16 department to Wythenshawe town centre cost £1.50, now it costs £2. What is being promoted as a price cut is a de facto price increase for all passengers taking shorter local journeys.

A committee of Piper Hill students have met with a range of concerned community stakeholders and groups to discuss how they can work with TfGM to introduce free travel for anyone supporting somebody who is entitled to hold a disability travel pass. These organisations have pledged their support for the student’s campaign as they support people and their families who are directly impacted by this issue and are all too aware of how this limits their opportunities to fully engage with their local community.

People who rely on the support of someone else to use public transport for their wellbeing and independence could benefit hugely. It is something that is offered by other councils across the country but not currently here in Manchester. Why?

If you would like to support the Piper Hill campaign please send an email to the High School.

On Monday February 27th, 2023 Manchester City Council launched their renewed Anti-Poverty Strategy as part of their commitment to ‘Making Manchester Fairer’. The launch event held at the People’s History Museum brought together elected members, council officers and partner organisations from across the city to discuss the new strategy. The strategy which builds on its predecessor ‘The Family Poverty Strategy’, has a strong commitment to partnership working and a recognition that collaboration with residents and organisations is key to the successful delivery of the strategy.

The Anti-Poverty Strategy draws upon evidence from residents, organisations and national research to provide recommendations to tackle poverty, its causes and its consequences.

Introducing the strategy, Councillor Bev Craig, leader of Manchester City Council, acknowledged that whilst Manchester is a thriving city, recent economic challenges have exacerbated longstanding inequalities that disproportionately impact certain communities. Cllr Craig said “We recognise that no one person or organisation holds all the levers to address poverty. It is now more important than ever that we work together across our city to take tangible actions to tackle poverty. We all have a shared responsibility to ensure no one gets left behind”.

Dr Cordelle Ofori, Deputy Director of Public Health for Manchester outlined that the strategy has four key themes: preventing poverty, mitigating poverty, pathways out of poverty and inclusive and effective delivery, and beneath these themes there are 50 specific action points the council will be taking as part of this strategy. Dr Ofori encouraged the individuals and organisations in the room to consider their own role in contributing to Making Manchester Fairer.

A panel Q&A session was held and the panel members included GMPA’s CEO Graham Whitham who contributed to a discussion on the role of the private sector in tackling poverty across the city and highlighted good examples such as Kellogg’s funding the GMPA Money Matters programme. The panel discussion focussed heavily on the importance of involving those with lived experience of poverty in the development, delivery and governance of the strategy and councillors urged attendees at the launch to apply to become part of the Making Manchester Fairer Programme Board and the Communities and Power Forum. Closing the Q&A panel, Graham Whitham raised the importance of public bodies such as Manchester City Council voluntarily adopting the socio-economic duty which would require these bodies to actively consider the way in which their decisions increase or decrease inequalities that result from socio-economic disadvantage.

In summing up the event, Deputy Leader Cllr Joanna Midgley, who is the Executive Member with responsibility for Reducing Poverty and Tackling Inequalities, looked forward to delivering this strategy across the city over the next five years. Cllr Midgley recognised the ambition of the strategy but highlighted that by taking collective action, there is much that can be done to make life easier for people experiencing poverty and emphasised the importance of a dual responsive and reactive approach.

A key theme of the launch event was collaboration and it was encouraging to see so many ambitious and optimistic organisations represented in the room. GMPA looks forward to working with Manchester City Council and its partners on delivering the Anti-Poverty Strategy over the next five years.

The report ‘Making Manchester Fairer: Anti-Poverty Strategy 2023 – 2027 can be accessed here.

We recommend that you also check out GMPA’s recently shared report “Local anti-poverty strategies: Good practice and effective approaches.”

from a press release by The Food Foundation

New data released last week from The Food Foundation shows the number of households where children are not getting enough nutritious food has nearly doubled in the past year.

In January 2023, 21.6% of households with children reported that their children had directly experienced food insecurity in the past month, affecting an estimated 3.7 million children. This is compared with 11.6% in January 2022.

These findings come alongside the first national modelling of support for Free School Meals expansion across England’s parliamentary constituencies, which shows overwhelming support (72%) for Government action.

Expanding Free School Meals nationwide, which has been the basis of the Feed the Future campaign, has been made even more urgent following the Mayor of London’s announcement last week that he will be funding this for all primary schoolchildren in the capital as a one-year emergency measure from September 2023.

The London initiative puts further pressure on national Government to honour its levelling up commitment, given the postcode lottery of access to Free School Meals between London and the rest of England where the eligibility annual household income threshold remains at £7,400 (after tax, excluding benefits).

England also lags far behind the devolved nations. Scotland and Wales are rolling out Universal Free School Meals in primary schools, and in Northern Ireland the income threshold is double that of England (£14,000).

The Food Foundation launched a new #FeedtheFuture campaign to call on Government to extend Free School Meals to more children. You can support the campaign here.

Further information is available here.

You may also be interested in GMPA’s programme ‘Money Matters’ that is working in schools with the aim of  increasing household income by providing debt and benefit advice.  This work is funded by Kellogg’s who have been supporting school breakfast clubs in the UK since 1998. Read more.

Launch of SoundPound loan across Greater Manchester

By Sheenagh Young, CEO South Manchester Credit Union, Chair of SoundPound Consortium

February 15th was a day to celebrate a milestone for our Greater Manchester Consortium of Community Credit Unions, known as SoundPound. We stood together with Andy Burnham, Mayor of Greater Manchester, underneath the Abraham Lincoln statue in Manchester city centre and launched our SoundPound loan. This is the latest of our local responses to the ongoing affordability crisis and is a harmonised offer to communities across Greater Manchester (GM). This loan is for £200 -£1000 and is open to applications from people with squeezed finances who are new to credit unions.

Recent data indicates that a quarter (24%) of Greater Manchester residents are seeking information or support for the first time, reinforcing how the cost of living crisis is bringing financial concerns to those not traditionally experiencing them (source :Greater Manchester Residents Survey Wave 5). We are responsible moneylenders based in our local communities and we have gathered intelligence about the local market for personal credit.

People are trying to stretch and extend existing lines of credit. Banks are disengaged, overdraft charges are opaque and we see many trapped making minimum payments on high credit card balances. There are significant gaps in practical financial education, especially for younger people aged 18-30. The numbers of people turning to friends and family is increasing and this can include inappropriate illegal lending with all the damage that brings.

We know that a small personal loan at the right time can stabilise household finances and protect other priority payments like council tax, rent and utilities. In the last year, we have lent £28m to GM residents. We consider that we now offer the safest, cheapest option for a loan up to £1,000 here in GM. And no other lender also encourages people to kickstart a spending habit.

Credit unions have been active in Greater Manchester for more than 30 years and there are now 14 based here. Of these, the 8 community based credit unions banded together in 2016 to form our consortium which is unique in England. We joined forces in order to amplify our existing financial services offer and to work together on potential collaborations across the city region. Together we hold more than £48 m of assets which have been built up from deposits and borrowing by 66,000 GM residents. These same residents have together accumulated £6m in financial reserves in our consortium credit unions. The funds stay local, can facilitate a dividend and fuel future sustainability. We represent a proven way to build local community wealth and get capital working for the long term financial wellbeing and resilience of communities across GM.

SoundPound comprises 8 community credit unions and between us we cover Greater Manchester; CashBox Credit union (Tameside), HOOT Credit Union (Bolton), Manchester Credit Union, Oldham Credit Union, Salford Credit Union, Stockport Credit Union, South Manchester Credit Union and Unify Credit Union (Wigan)

We want to encourage more people to come and find the benefits of belonging to a credit union. Andy Burnham offered to raise our profile and he accepted our #SoundPoundchallenge which is open to everyone to enjoy taking part – find out more about this and our #Save Rave on our website and get involved.

There is a clear link between mental health and confidence with money management, especially right now. The current crisis comes on top of the impact of Covid and many are overwhelmed. Local credit unions continue to provide our service in solidarity with communities. Members tell us that belonging to their
local credit union helps make money work for them and brings the fun back into life.

Help grow and increase the impact of our work by becoming a Principal Partner of Greater Manchester Poverty Action.

Principal Partners commit to supporting the work of GMPA at an enhanced level and contributing to the sustainability of the organisation. We are delighted to currently have 25 organisations signed up for the scheme. We are always looking for new Principal Partner organisations to ensure that we can strengthen our work throughout the current cost-of-living crisis. Financially supporting Greater Manchester Poverty Action directly funds our work to prevent and reduce poverty and create a more prosperous and inclusive city region. The scheme is one of our key fundraising strands and it helps to ensure we stay financially viable and can continue to tackle poverty. If you are interested in finding out more, get in touch with Lucy.

A huge thank you to all those organisations that have already confirmed their membership of the scheme in 2023. You can see their logos here and find out more about the scheme here.

Donations
GMPA is now accepting donations. Individuals and organisations can make a one-off donation or set up a monthly direct debit. Find out more here. Your voluntary contribution will support us to continue and grow our work.