Staff Financial Wellbeing Week 2012

Staff Financial Wellbeing Week 5th November – 9th November 2012

What’s On? Staff Wellbeing Team

Foreword from Steve Igoe, Deputy Vice-Chancellor Resources Dear Colleague, Last year the University ran a highly successful Financial Wellbeing week designed to help staff get the most out of their money and help with financial planning in these challenging times, and I am delighted to say that we will be running a similar event this Autumn commencing 5th November with a financial fair in the Hub. The event will be supported by a range of external organisations all aiming to help staff with everything from managing energy costs through to pension planning and even making a will.

Many of you chose to attend last time and the feedback was excellent. I hope many more of you take advantage of this opportunity and as ever if you have ideas or suggestions for the Staff Wellbeing Team then please let them know.

With best wishes,

Steve

Steve Igoe Deputy Vice-Chancellor Edge Hill University

Staff Financial Wellbeing Week Monday 5th November – Friday 9th November 2012

The following programme has been planned to offer something of interest and value for everyone.

To book your place on any of the listed events, please contact the Staff Wellbeing Team on staffwellbeingteam@edgehill.ac.uk or call ext 7967 or 01695 650967.

It is expected time taken will be your own and approved by your Line Manager.

Monday 5th November 2012 Finance Fair

10am – 2pm - In the HUB

On the day you can: • Enter a quiz to win a supermarket voucher worth £100 – post your entry in the box at the Staff Wellbeing Team stand.

• Win a £50 pound voucher from the EHU Sustainability Team.

• Collect a range of Freebies and Giveaways at Exhibitor Stands.

• Enjoy refreshments served throughout the day.

Exhibitors on the day will include: EHU Staff Wellbeing Team Information regarding financial wellbeing, staff discounts and offers from local suppliers EHU Counselling Team

EHU Sustainability Team Information regarding Love Food Hate Waste, EHU Allotment Society / Grow Your Own, Car Share Scheme, Personal Travel Plans

EHU Accommodation Team Turn your room into Cash

Tuesday 6th November 2012 Household Finances

Where Does Your Money Go?

Keeping a regular eye on your household finances will help you make the most of your money. Having a positive approach to household budgeting and reviewing things like your household bills, will help you make sure you’re on the right track. Our Financial Advice Team will give you guidance on the above and much more.

Are you in control of your finances or do you feel your finances are controlling you?

10am – 11am Financial Advice Team, Student Services

Participants will receive a free copy of Household Budgeting

by Bill Vincent.

12pm – 1pm Janice Barnes & Helen Long

If you don't know how much money is in your bank account at any given time, what your regular expenditure is, or if you dread your bank statement arriving, then this workshop is for you!

Amongst other things you will be provided with useful hints and tips on how to manage your money ensuring you know how much is in your account at any given time, allowing you to retake control of your finances and putting you firmly back in the driving seat when it comes to your money.

Comments from staff who attended the last session include:

"Excellent and informative talk on money matters, in a way the 'layman' understands."

"Janice did a great talk - lively and funny and it actually made me go home and think about things more and in fact, I've already cut my Sky bill by 50%. A big thank you to Janice for that - really enjoyable."

Take part in the ‘big brand v no name’ taste test, win the contents of the Shopping Basket and take home a free goodie bag.

Tax Credits: An Essential Guide

Love Food Hate Waste

Tax credits are payments from the government. If you're responsible for at least one child or young person, you may qualify for Child Tax Credit. If you work, but are on a low income, you may qualify for Working Tax Credit. Find out all the information from our Financial Advice Team and you might just qualify.

Each month, the average family throws away £50 of good food that was bought but not eaten. Book a place on this interactive and lively session to save money on your food bill with top tips and advice on shopping, portion control, food storage and using leftovers.

12pm – 1pm Financial Advice Team, Student Services

Eco Driving Session

1pm – 2pm James Powell, Lancashire County Council

The session will primarily focus on Eco-Driving and the benefits of defensive style driving and it will look at areas such as Hazard Perception, and Advanced Driving.

2pm – 3pm Julia Dickinson

Participants will receive a free copy of 200 budget meals by Sunil Vljayakar or 101 Budget Dishes by Jane Hornby.

Wednesday 7th November 2012

Energy Switching and Energy Saving Top Tips 10am – 11am Pamela Brandwood

Millions of people on standard tariffs can currently save around £200 a year by switching to the cheapest online deals, plus get up to £40 cash back or a crate of wine for doing it.

Find out how easy it is to switch and save, plus top tips for making further energy savings. Act now to cut your energy bills!

Receive a free energy saving light bulb.

HSBC Premier Service

11am – 12pm Alison Greenwood, Branch Manager

Meeting your banking needs today, helping you get ready for tomorrow, HSBC will introduce you to our Premium accounts - HSBC Premier and HSBC Advance.

More than just a current account, HSBC Premier provides our most exclusive level of service with priority accounts and tailored advice to help you build, manage and protect your wealth.

For a monthly fee, HSBC Advance offers day-to-day banking services that make it easy for you to manage your money. Plus it helps you build for your financial future by providing you with access to preferential offers.

Where Does Your Money Go?

A Parent’s Guide to University Costs and Funding

Are you in control of your finances or do you feel your finances are controlling you?

• •

11am – 12pm Janice Barnes & Helen Long

If you don't know how much money is in your bank account at any given time, what your regular expenditure is, or if you dread your bank statement arriving, then this workshop is for you!

Amongst other things you will be provided with useful hints and tips on how to manage your money ensuring you know how much is in your account at any given time, allowing you to retake control of your finances and putting you firmly back in the driving seat when it comes to your money.

Comments from staff who attended the last session include:

"Excellent and informative talk on money matters, in a way the 'layman' understands."

"Janice did a great talk - lively and funny and it actually made me go home and think about things more and in fact, I've already cut my Sky bill by 50%. A big thank you to Janice for that - really enjoyable."

Take part in the ‘big brand v no name’ taste test, win the contents of the Shopping Basket and take home a free goodie bag.

12pm – 1pm Financial Advice Team, Student Services

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•

Is your son or daughter thinking about going to University?

Are you mystified by Student Finance and the costs of going to University?

Would you like to know what your son or daughter could be entitled to? How do they apply for it, etc.

And possibly more importantly, how can you help your son or daughter to manage their student funding?

If you have answered 'yes' to any of the above questions, then this session is for you.

Participants will receive a free copy of Cut the cost of Uni: How to graduate with less debt by Gwenda Thomas

Wills & Inheritance Tax Planning

Are You Planning for Retirement Yet?

This session considers why you might wish to make a will; what assets you can and cannot pass by and some of the common errors if a will is not properly drafted. The session also looks at what happens to your assets if you die without making a will. In addition there will be a brief discussion of inheritance tax; what it is; how much it is and any ways in which it might lawfully be avoided, particularly by the use of an appropriately worded will.

Did you know…financial advisers recommend that we start planning for retirement at least 15 years before we intend to retire? Not thought about it yet? Book onto this interesting and interactive session to get all the practical information and guidance you need to set you on the right course. The programme includes:

12.30pm – 2pm Robert Collinson

Participants will receive a free copy of Giving & Inheriting (Which? Essential Guides) by Jonquil Lowe

12pm – 5pm Berkeley St James Ltd

Theme of Retirement • Benefits of retirement • Planning for retirement – key aspects • Leisure & managing change • Healthy living State Benefits Overview • What benefits are available • How to claim them

Financial Planning • Income Tax • Capital Gains Tax • Inheritance Tax • Discretionary Will Trusts

As part of our continued commitment to wellbeing at work this invitation is also extended to partners. Booking is therefore essential to secure your place and avoid disappointment.

Tea, coffee and a buffet lunch will be provided. Participants will receive a free copy of How to Retire Happy, Wild and Free by Ernie J Zelinski.

Thursday 8th November 2012 Teachers’ Pensions

10am – 11am Presentation 11am – 1pm One to One Sessions Allan Downing, Teachers Pensions

If you have any queries relating to your Teachers’ Pension, book yourself a one to one with an adviser from the scheme. Make an appointment through the Staff Wellbeing Team and you can receive information and guidance bespoke to you.

Avoiding Debt & Debt Management 11am – 12pm Financial Advice Team, Student Services

Hints and Tips of avoiding debt or if you're in debt or you know someone who is in debt and are finding it hard to cope, it's important to deal with the problem straight away - the longer you ignore your debts, the worse the situation becomes. Find out what you can do about your debt problem with advice and guidance from our Financial Advice Team Participants will receive a free copy of How to get out of Debt

by Jerrold Mundis or Credit Card Debt by Alexander Daskaloff

Eco Driving Session

1pm – 2pm James Powell, Lancashire County Council

The session will primarily focus on Eco-Driving and the benefits of defensive style driving and it will look at areas such as Hazard Perception, and Advanced Driving.

Friday 9th November 2012

Your Pension Service (formerly LGPS) / AVCs 10am – 11am James Bolton, The Prudential & Julie Wigg

Short presentation followed by a Q&A session relating to ‘Your Pension Service’ (formerly known as LGPS) and Additional Voluntary Contributions (AVCs).

Wills & Inheritance Tax Planning 10am – 11.30am Robert Collinson

This session considers why you might wish to make a will; what assets you can and cannot pass by and some of the common errors if a will is not properly drafted. The session also looks at what happens to your assets if you die without making a will. In addition there will be a brief discussion of inheritance tax; what it is; how much it is and any ways in which it might lawfully be avoided, particularly by the use of an appropriately worded will.

Participants will receive a free copy of Giving & Inheriting (Which? Essential Guides) by Jonquil Lowe

Household Finances

11am – 12pm Financial Advice Team, Student Services

Keeping a regular eye on your household finances will help you make the most of your money. Having a positive approach to household budgeting and reviewing things like your household bills, will help you make sure you’re on the right track. Our Financial Advice Team will give you guidance on the above and much more.

Participants will receive a free copy of Household Budgeting

by Bill Vincent.

Smarter Travel

A Parent’s Guide to University Costs and Funding

With the ever-increasing cost of petrol, now is the perfect time to investigate alternative travel options. Find out how you can save money and be greener with information on interest free travel to work loans, car sharing, public transport and cycling.

• •

12pm – 1pm Julia Dickinson

Participants will receive a free, personalised journey plan.

1pm – 2pm Financial Advice Team, Student Services

•

•

Is your son or daughter thinking about going to University?

Are you mystified by Student Finance and the costs of going to University?

Would you like to know what your son or daughter could be entitled to? How do they apply for it, etc.

And possibly more importantly, how can you help your son or daughter to manage their student funding?

If you have answered 'yes' to any of the above questions, then this session is for you.

Participants will receive a free copy of Cut the cost of Uni: How to graduate with less debt by Gwenda Thomas

Useful Links A-Z Childcare Vouchers

www.applechildcarevouchers.co.uk

Clear, Unbiased, Money Advice

www.moneyadviceservice.org.uk www.hsbc.co.uk www.lancashirecommunityfinance.co.uk Debt Advice

www.cccs.co.uk www.moneyadvicetrust.org www.nationaldebtline.co.uk

Finances and Mental Health

www.mind.org.uk/money www.moneysavingexpert.com/cards/mental-health-guide go.edgehill.ac.uk/wiki/display/studentservices/ Counselling+and+Supervisory+Services www.capuk.org Help and Advice

www.citizensadvice.org.uk www.helpdirect.org.uk www.direct.gov.uk Medicash Cashplan

www.medicash.org/intermediaries/medicash-active.aspx

Money Saving Websites – register for weekly money saving emails www.moneysavingexpert.co.uk www.moneymagpie.co.uk Npower

www.npower.com

Pension Schemes

www.yourpensionservice.org.uk www.teacherspensions.co.uk Sustainability

edgehill.ac.uk/sustainability www.energysavingtrust.org.uk www.lovefoodhatewaste.com United Utilities

www.unitedutilities.com

Welfare Rights

www.entitledto.co.uk www.turn2us.org.uk

Staff Wellbeing Team The Staff Wellbeing Team can offer you a range of exclusive rates and discounts on a number of health, wellbeing and social initiatives, for example, free flu vaccinations, health checks and family film club. The team has also negotiated discounted rates for reflexology, acupuncture, beauty treatments and much more, a full list can be viewed on our wiki pages where you will find discounts for local shops and restaurants, holidays and other goods. The list below is some of the initiatives we provide.

Health • Diabetes Screening • Health Checks • Free Fruit • Health Roadshows • Flu Jabs

Wellbeing Initiatives • Chiropody • Indian Head Massage • Reflexology • Osteopath • Tai Chi • New Parents at Work

Social Events • Knit & Knatter • Book Club • Family Film Club • Golf Society • Staff Christmas Party

Discounted Tickets • Wigan Rugby • Everton Football Club • Camelot • Chester Zoo, Martin Mere, & Knowsley Safari Park • Southport Flower Show & Air Show • Theatre

Staff Discounts • Mooney Everett Solicitors • In-toto Kitchens, Southport • Sweet Dreams Candy Buffet and many more

Thanks We would like to thank our colleagues within Edge Hill and external organisations for their time, support and guidance in the planning of this event as without them this week would not have been possible.

Staff Wellbeing Team JD9

Tel: 01695 650967 Ext: 7967 Email: staffwellbeingteam@edgehill.ac.uk Intranet: go.edgehill.ac.uk/wiki/display/sswg/Home

edgehill.ac.uk