A question of confidence

A guest blog from a volunteer at Scope’s Our Generation project. 

After two bouts of illness earlier in the year, I found I had lost my confidence and was struggling with anxiety and depression. The Health and Wellbeing visitor called and referred me to Our Generation Mentoring and Befriending Service. I hadn’t heard of the service and to be honest, I didn’t know what mentoring was. The Scope Co-ordinator called and explained everything. They matched me with my Mentor and we met at the office, which felt safe for our first meeting.

The meeting went very well and my Mentor really made me feel at ease. One of the things which we discussed was that I should like help to become more computer literate as my daughter is living overseas and it would help us to keep in touch. I made such good progress I surprised myself and have even bought an i-pad! My confidence in using it increases with each meeting. I have found that this increased confidence has permeated other areas of my life and I am now able to meet my Mentor in town.

Every two years I visit my daughter. I am due to go next year but the anxiety and depression I have experienced has made the lone journey seem incredibly daunting. However, since working with the Our Generation Mentor I can feel my confidence returning and I’m beginning to really look forward to this years visit.

I recently attended the Our Generation Xmas party which I thoroughly enjoyed. Just a few weeks ago I wouldn’t have believed that I could have the confidence to go along on my own.

The Co-ordinator has suggested I attend the Mentoring Skills Training Course at the office as my next challenge and I surprised myself by saying that I’ll think about it!

5 top tips for dealing with Christmas debt

And so begins another year. Welcome to 2014 from us here at the Scope helpline. May this year be a good one for all. Last year we saw savage cuts to the welfare state leaving our most vulnerable members of society in deep distress, anxious about their futures.

We have heard some shocking stories about how people are coping with the cuts and the challenges they’ve faced to get through each day on budgets stretched to the limit.

We wanted to turn our attention to the help available if you’re struggling with debt. At this time of year after the Christmas festivities have ended, we often look to our finances and realise that we’ve spent far too much money and have to pay it back and try to get through another year.

Here are the helpline’s top tips to help you get back on track for 2014.

1. Prioritise your outgoings

Your priority outgoings are rent/mortgage, Council Tax, utility bills and court fines. You should pay these bills first. If you are having difficulty with any of the above, please call us free on 0808 800 3333 and speak to one of our response workers or email response@scope.org.ukDon’t avoid dealing with these issues as they will get worse if left.

 2. Maximise your income

Are you getting all of the benefits you are entitled to? Try a benefits check with Turn2us – they may also be able to help you apply for other financial help.

3. Are you struggling with debt?

There are various sources of help available to help you manage your finances. You can seek help from charities such as Step Change, Money Advice Service and National Debtline. Do not pay for financial advice. There are plenty of advice agencies around who offer free advice. Avoid payday lenders who charge excessive amounts of interest and avoid debt consolidation without getting advice about this first. You can access money advice at your local Citizen’s Advice Bureau, approach your local credit union and, in some areas, your local council.

4. Emergency help

If you find that you have no money for essential bills you can apply to your local council for welfare provision payments which replaced community care grants and crisis loans in April 2013. The Children’s Society has created an online database of services in your local area. Every scheme has different criteria but would usually be considered as a last resort.

5. Fuel costs

See the pages on our website to help you tackle your fuel bills and get help to reduce large utility arrears bills – see Scope’s information on helping with fuel costs.