The green stuff. Folding. Wonga Dosh. Moolah. Bills. Coinage.
love it or hate it? - free food - wall art
Independent Peopleâ€™s Quarterly Magazine
Inside... 3... A word from the chief 4 - 5... Wall Art 6... Man with a Can, Bristol Pound 8... RIFE GUIDE launch 9... Universal credit 10... Future 4 Me 12-13... Money MOT 14... Free Tenner! 16... Homeless Dragons 17... Youth Board 18-19... Food - free or cheap 21... Money MOT answers 22... Hitch or Ditch? 23... Useful contacts
Freephone for service users: 0800 731 72 13 Head Office Kingsley Hall 59 Old Market Street, Bristol, BS2 0ER 0117 317 8800 email@example.com
South Gloucestershire 23 The Parade Coniston Road Patchway Bristol BS34 5LP 01454 865 732 firstname.lastname@example.org St Georges House 101 St Georges Road Hotwells Bristol BS1 5UP 0117 927 6600 email@example.com
Bristol Foyer 2a Victoria Street BS1 6DT 0117 927 6805 foyer firstname.lastname@example.org Find us on Facebook “Independent People” Follow us on Twitter @1625ip Go to our website www.1625ip.co.uk
A word from the Chief The green stuff, folding, wonga, dosh, moolah, bills, coinage, money. It can’t buy you love but you can’t live without it. So we’ve dedicated some of this issue to the shiny stuff. Tips, tricks and advice about how to make the most of what you’ve got - even if that isn’t a lot. There are some big changes on the way for people on benefits which will mean you may end up claiming Universal Credit rather than JSA or ESA by the end of the year. Many young people will be fine with it, but for those who struggle to budget it could be a steep learning cur ve! One of the major changes is that payments will be monthly, which means you’ll have to resist blowing it all and make sure your money lasts so you don’t end up living from Fareshare to Fareshare. If you think you’re good with money - put it to the test. Our Cashpoint team have put together a Money M.O.T (p.12-13). How good are you really? All our Support Workers are all being trained in how Universal Credit works, so don’t panic - ask for advice. We’ve also featured just a few of the
amazing things you have been a part of over the last few months, from dragon boat rowing, graffiti art workshops, Youth Board and more. It’s inspiring stuff. And it’s not just me who thinks so. We’re ver y proud to say that our Future 4 Me project is in the finals for the National Lotter y Awards! This is national recognition for the achievements of the young people who are part of the Future 4 Me project. Turn to p.10 to find out more about the award. Have a great summer! Dom Wood (AKA Superman on Page 10) Chief Exec 1625ip Contact Tia, our Comms Officer on 0117 317 7096 or Tia.Psihogios@1625ip.co.uk if you have ideas for a piece in the next issue. 3
If you’re staying at St George’s House, you might have noticed that there’s some new artwork in the communal area. These pieces were all done during a graffiti art workshop organised by young people through the Make My Day program. Graffiti, as anyone who lives in and around Bristol knows, is far more than just tagging. One definition is artwork that makes a statement; the pieces here were created around the themes of ‘feeling lost’ and ‘home’. We asked one of the young people who took part, Alex, what he thought of the day: “Do it! It gives you something to do and helps you relax. I wish there was more stuff like this.” How was the planning part? “I enjoyed getting the group together and already knew Nick from a construction apprenticeship from a while back.” What was your favourite part? “The designs.” Have you ever done this before? “Yes I draw every week, have my own art folder and have done graffiti workshops before.” What makes good graffiti? “Good graffiti needs skill, imagination and time.”
Make My Day gives you the chance to decide what
you want to do. Whether it’s a trip to the beach, the 1625ip Christmas party or laser questing, this is your chance to work as part of a small team to choose, plan, budget for, promote and put on an event for yourselves and other young people. What would YOU do? For more info or to book get in touch with Duane on 07534 278774 or Duane.McDonald@1625ip.co.uk 5
Man with a can Meet the man behind the graffiti art workshops at St. George’s House. We caught up with Nick Halahan, the man with the (spray) can, to see what he thought of the experience: “The sessions at St.Georges got off to a slow start, but by the end the residents had taken so much ownership of the project, they asked me to leave some materials with them so they could carry on making their own art to decorate their rooms throughout the week.” Highlight? “How proud they were of their artwork, and how they surprised themselves at how much they enjoyed it and also how good it looked at the end.”
See olasart.com for more info on Nick and his work.
Favourite quote from the day? “I normally hate art, but this is actually alright!” Haha, obvs some understated appreciation there!
The colour of money The Bristol Pound has been going for nearly two years.
The original notes expire on 30 September 2015, so new notes with designs by local artists came out earlier in July. We think they look great! These are our two favourites: ‘No Colour Bar’ by Luke Carter, Bristol-based illustrator and 2015 UWE graduate. It celebrates the successful Bristol bus boycott of 1963. ‘Bristol Holding Hands’ by 6-year-old Kara Backes, a pupil at Waycroft Academy in Stockwood. The Bristol Pound is designed to be money that’s good for Bristol. It’s a local, community currency that helps support local independent businesses and the local economy, builds community connections and helps make Bristol a more sustainable city. You can spend it in local shops and businesses, just like you would spend ‘proper’ money. For more info and to see the rest of the designs go to www.bristolpound.org
Use a 30 degree programme for everyday washing (you might need to user a hotter one if you’ve been rolling around in the mud!). You’ll be £30 richer for it.
rifeguide.co.uk Jess Connett is a contributor at RIFE. She gives us the lowdown on the new Rife Guide website for young people launched in July... The Rife Guide is the best place to find the latest events. We’ve got summer holiday trips to the seaside, free music sessions with local artists, and even a massive, day-long dodgeball competition. You’ll never be bored again. We’re also the place to go to look for help and advice. All those events are run by brilliant organisations, so if you want to talk to someone about sexual health, drugs and alcohol, housing, money or anything else, you can find it all on the Rife Guide. We’re the sister site of Rife Magazine, a platform for young readers, writers, bloggers, vloggers and photographers. It’s a place to talk about the issues you care about – so if you’ve got a story, get in touch.
rifemagazine.co.uk CASHPOINTERS TIP FREE STUFF TO DO Shaun in the City Trail Search the city for your favourite and see if you can spot them all. Shaun the Sheep statues, each decorated by different artists, will be dotted around Bristol until the 31st August. It’s a good excuse to take a wander, get some exercise, and explore Bristol. www.shauninthecity.org.uk
Switch those plugs off
Does your hairdryer/ TV/ toaster really need to be plugged in all day? By not leaving household appliances on standby you can save around £60 a year! CASHPOINTERS TIP
Quick Guide Universal Credit UNIVERSAL CREDIT is a new way of paying
benefits to people who are unemployed. There are some BIG changes coming. It will start being introduced in parts of Bristol from November this year. If you are single and make a fresh claim for benefits after November you will go onto Universal credit. These are the main things you need to know... Applications will usually have to be done online - so you need to have access to IT and know what you are doing! Payments will be monthly rather than every 2 weeks - so you need to be able to make your money last for 4 weeks and not blow it all in one go. Hardship payments will have to be paid back - so if you mess up your UC claim and have to take an additional payment your future UC payments will be lower as this amount is taken out. Some people will get all benefits paid directly to them including housing benefit so you may have to take control of paying your rent yourself - or you risk losing your home. You have to wait at least 21 days for your first payment. If you get a Part Time job you get to keep MUCH more of the money before it affects your benefit - so working is a better idea. THINGS YOU WILL NEED: - A bank account - Know how to set up direct debits - Know how to plan and budget - Be fairly good at IT or be able to get help
Donâ€™t panic! You can get help with lots of this stuff from your Support Worker or your Cashpoint worker, see p.21 for info on how to get one. 9
We’re in the finals! Future 4 Me chosen as National Lottery Award finalist It’s not about where you came from- it’s about where you’re going. We think everyone deserves the chance to make the best of their future. Back in 2013, the Big Lottery Fund awarded us £1 million quid so we could continue to run our Future 4 Me project which works with young people leaving care or custody. Two years in, the young people we’ve supported through the project have achieved some amazing thingscheck out our video featuring Sophia at Bit.ly/future4me. Sophia now works for North Somerset Council helping young care leavers, putting her own experiences to good use.
Every year the National Lottery chooses some of the best and most inspiring projects it supports and puts them to a public vote. We were one of 620 projects entered and have been shortlisted down to one of seven finalists in the Best Charity Project category. We could win a cool £2000 to spend on helping young people starting out on their own - this could help with things like smart clothes for interviews or travel expenses to get to college.
What have Ella Fitzgerald, Marilyn Monroe, Superman and Charlie Chaplin got to do with it? They were all in care at some point (even Superman was a foster child!) - but the point is they all went on to do amazing things. We wanted to make that point publicly - so some of our staff got dressed up and pounded the streets talking to people and getting them to vote for Future 4 Me so we can carry on offering this brilliant service.
FINGERS CROSSED! 10
“Where’s all MY money gone?” Take the Money MOT test.
Circle your answer for each question - then use the scoring grid to add up your score... You want a new pair of shoes/trainers that you can't really afford. Do you...? A - Buy the ones you love - you've been wanting them for a while. B - See if you can find a nice pair in the charity shop. C - Keep the ones you have for now and save up until you can afford the ones you want. D - Buy some other trainers that are in the sale.
Q2 The latest iPhone has come out. Do you...? A - Wait a while until you can get the iPhone on a cheaper tariff. B - Get it out on contract for £45 per month. C - Buy a cheaper phone outright so you can do pay as you go. D - Nothing. You already have a good working mobile.
Q3 You've just been paid. Do you...? A - Buy groceries for the rest of the week. B - Go out for a meal and drink with your mates. C - Get a take away for tonight and then grocery shop tomorrow. D - Buy ready meals and snacks for the week.
Q4 You have an important meeting next week and you need bus fare to get to it. Do you...? A - Wait and see if you have any money left on the day of the meeting. B - See if you can borrow some money for the bus fare. C - Get up early and walk - you hate wasting money on bus fares. D - Start saving for the bus fare now.
have just moved into a self-contained property. You need to set up a Q5 You water account. Do you...? A - Do it next month. B - "Really?! I thought water was free - why do I have to pay for it...?" C - Do it right away to avoid any debt. D - Wait until the water company contact you.
Benefit have sent you a letter saying they’ve overpaid you by £60, Q6 Housing which you now owe them. Do you...? A - Make them wait, it's their mistake. Ignore any other letters from them. B - Call up Housing Benefit and arrange a repayment plan. C - Borrow money from a loan company so you can pay back Housing Benefit. D - Go to an advice agency to get some advice on what to do.
friend wants to go to London for the weekend to a party and wants you Q7 Your to go too but you can't afford it. Do you...?
A - Not even think about it - you would never spend that much money on a weekend away! B - Borrow £50 from your mum, use the £50 you had saved for Christmas presents and hope your mate will sub you if you run out of cash. C - Tell your friend you can't go and persuade them to do something fun in Bristol instead. D - Apply for a pay-day £200 loan. You get paid in two weeks and can hopefully pay it back then, if you can put off the rent for a week or two.
SORTED SURVIVOR... OR ... SKINT SPENDER? Which
have got a new girlfriend/boyfriend. Their birthday is coming up Q8 You what do you get them? A - Some gold jewellery - you want to splash out so they know how much you like them. B - Make them something - homemade presents are far cheaper and more original... C - That item of clothing you know they want even though it's a bit pricey. D - Choose something inexpensive you know they will like.
Q9 You have got a new flat and you need some stuff. Do you...? A - Get it all from Brighthouse or another catalogue. You know it's expensive but at least you can get it all now and pay it off over 5 years. B - Apply for a grant for the kitchen stuff, go to sofa project for some things. C - Take out a loan to get all the stuff you want. You hate second hand things! D - Try to furnish it for as little as possible - ask friends and family for any old furniture, check free cycle, gum tree etc for giveaways. Look in skips and charity shops for things you can do up yourself.
Q10 How often do you borrow money from friends and family? A - Every week. That's what friends are for... B - Only if you get into serious trouble. C - Never - youâ€™d rather borrow from a bank or loan company than let people know you need help. D - Sometimes but you always make sure you pay them back. you spend ÂŁ45 a month on a TV package if you are on Q11 Would a low income?
A - Yes - your TV is the most important thing to you. You'd rather not pay something else... B - Really it saves you money because you stay in rather than go out. C - Never - that would be 20% of your income which you need for rent, bills and food. D - Not at the moment but if you got more hours in your job you might get one.
Q12 Do you know where your money goes, each week/month? A - No idea! You just know it's all gone well before you get paid again. B - Yes - you have so little of it, there is never anything left. C - You know where most of it goes (main bills like rent, energy etc...) but you don't think about the day to day stuff. D - Yes, you write down everything you spend and try to spend Q1 A=4 B=1 C=2 D=3 as little as possible and get/do free things.
So are you a Super Saver or a Splashy Spender? Add up your score and turn to p.21 to see how you did.
Q2 A=3 B=4 C=3 D=1 Q3 A=1 B=4 C=2 D=3 Q4 A=4 B=3 C=1 D=1 Q5 A=3 B=4 C=1 D=4 Q6 A=4 B=1 C=3 D=1 Q7 A=1 B=3 C=2 D=4 Q8 A=4 B=1 C=3 D=1 Q9 A=4 B=1 C=4 D=1 Q10 A=4 B=2 C=3 D=2 Q11 A=4 B=3 C=1 D=2 Q12 A=4 B=2 C=3 D=1
FREE TENNER. FOR REAL. This summer Bristol Credit Union is offering a free tenner - yes, you read that right, a FREE TENNER - when you open an account with them and make regular deposits. Free tenners are limited so get in there quick. After you’ve opened your account, you’ll need to make a MINIMUM deposit of just £1 a month for three months and they’ll add ten quid to your balance. That’s it. You’ll have £13 in your account.
What’s a credit union?
A credit union is a bit like a community bank, they are run locally to help local people make the most of their money. To open an account with Bristol Credit Union you need to live or work in Bristol, BANES, North Somerset or South Glos.
What’s the point in saving?
Well for one thing - you get a free tenner! It can also be really handy to have a little bit of money put aside just in case.
What do I have to do?
Just pop in to the branch on Cheltenham Road or one of their local service points (see www.bristolcreditunion.org) with £1 along with some ID and proof of address and you can open up an account.
Sorted. CASHPOINTERS TIP
Don’t fill the kettle up just to make one cup of tea. Only fill the kettle with the water you need. Less water. Less electricity. Less waiting!
The HOMELESS DRAGONS
We love June. June means it’s Rotary Dragon Boat Festival time. Sun, fun and a burger in a bun.
This year our Homeless Dragons team was made up of staff and volunteers from our lovely partners Barclays Bank and of course our own service users, staff and volunteers. They paddled their hearts out and raised well over £1000 to help us support young people. Thanks to everyone who paddled, donated and helped out on the day. You’re all amazing! Huge thanks to Rotary of Bristol Breakfast Club for - yet again - putting on a brilliant event and having us back for the fifth year in a row, it was a lovely day as always. Dragon boat racing is becoming more and more popular across the UK, with a huge number of people taking part in charity events and competitive races across the country.
DYK? According to www.bristolempiredragons.com, dragon boat racing started in ancient times
with fishermen in China racing out into the water and splashing their oars to chase away the water dragons after a minister called Ch’u Yuan threw himself into the river having been sacked from his job.
Youth Board. Definitely not bored youth.
by Youth Board Member Na Porter
“I wonder what Youth Board are up to at the moment?” I hear you say. Well let me tell you...
This is not where we discuss whether Pluto should be a planet. This is where we are looking at ways to make 1625ip’s head office more welcoming and comfortable for staff and young people. Some of you may remember our questionnaire which went out (congratulations to our winners) and we are now analysing the results and planning where to start improvements.
Fair Access Task Group:
Bit of a mouthful we know, but this is where we talk about equality. We want to make sure this service is accessible to everyone. So we are looking at statistics and then we can see what changes need to be made so everyone gets an equal opportunity with us.
No you don’t get to play with hammers. This is where our Youth Board members have been looking at work that’s been done to properties and how satisfied you guys were with it, and how it can be done better in the future.
(Yes, that is a professional term according to Na-ed) We are working on questionnaires for residents in the Foyer and St Georges House to see what improvements we can make. The Youth Board has started attending staff team meetings to give their input around communication with young people and so we can learn from each other. We are also continuing to link in with the main Management Board looking at the services Independent People provide, how they are delivered, and how things can be improved for service users, volunteers and staff.
ABOVE: Regular Youth Board members Na and Cartelea - looking ever so slightly mischievous!
If any of this has got you thinking, come along and join us. The Youth Board meets once a month and is made up of 6-8 members. If you are interested in being part of it and having your say about 1625ip’s services, ask your support worker or contact Hannah Panes on Hannah.Panes@1625ip.co.uk. 17
INCREDIBLE EDIBLE BRISTOL Fresh Food. For free. For you. Think fresh fruit and veg is too expensive? Think again: Edible garden plots have been springing up all over Bristol, from Millennium Square to Fishponds, inviting people to harvest as they need. Thanks to a group called Incredible Edible Bristol, thereâ€™s all sorts of goodies on offer like artichokes, kale, strawberries and leeks. You can also get stuck in and join in with planting days. If you want to find out more or get involved go to ediblebristol.org.uk or join their Facebook group.
SHOP CLEVER. Did you know all the supermarkets put their fresh food on sale at certain times of day?
does your garden grow?
Have you ever wanted to know how to start a fire without matches? Or forage your own ingredients to cook in the wild? Every Monday from 6.30 - 8pm from now until November, you can join the Trinity Community Gardens to learn about bush-craft, including how to light a fire using flint and steel, foraging, cooking your own food and building shelters. This is a free weekly Youth Group - join us from 6.30pm every Monday. For more information contact email@example.com www.trinitycommunitygarden.co.uk
not want not...
It may sound a bit old hat, but it’s a classic saying for a reason. As a nation we waste millions of pounds of food every year. You could save money and be kind to the environment. Here are a few tips... - Make a shopping list and stick to it - this can save you up to £20 a week. - Check sell by dates and plan your meals for the week. - Don’t fall for the BOGOFF! Only go for ‘buy one get one free’ or ‘3 for 2’ deals if you know you will eat it before the use by date. - Understand best before, sell by and use by dates (only use by dates indicate food could be off - use your eyes/nose too!). - Cook in bulk and freeze leftovers to use for another meal. - Use lentils/veg to stretch expensive meat. - Make use of vouchers and discounts (some people save over £100 a month).
CASHPOINTERS TIP Invest a couple of quid in a washing bowl. Why pour clean (expensive!)water down the drain...?
Image credit: https://www.flickr.com/photos/gustavthree/2431874910/
“Where’s all MY money gone?” Answers to Money MOT on Pages 12-13
12-18 Points - Super Saver
You are really on top of your finances. If you are on a low income this is brilliant and you are doing all the right things to avoid getting into difficulty. (If you have loads of money - remember it’s OK to spend a little money to have a little fun every now and again!)
19-25 Points - Careful Controller
You are pretty good with money and have a good attitude to spending and an eye for a bargain. You worry if you get into debt and financial difficulties and want to sort things out as soon as possible.
26-32 Points - Splashy Spender
You are OK with money. You have a grasp of basic budgeting but you probably don’t track your spending as closely as you could, and often get tempted to overspend. If you are on a low income this approach could get you into financial difficulties and into a spiral of debt that is hard to escape from.
33-40 Points - Money Muddled
You tend to make impulsive decisions without thinking about the consequences. You probably also put things off and avoid dealing with difficulties, hoping it will all go away! It is likely that you will experience financial pressures and debts (unless you have got plenty of money).
41-48 Points - Financial Fantasist
You haven’t got a clue! You spend as if there is no tomorrow... regardless of what it costs or whether you can afford it. If you are not already in deep water you are very likely to end up with some serious debts.
CALLING ALL SUPER SAVERS AND CAREFUL CONTROLLERS:
You are a good role model for other young people. If you would like to help others - talk to Cashpoint about becoming a volunteer!
HELP FOR SPLASHY SPENDERS:
You would probably benefit from a few pointers that would help you to make the most of your income and avoid some pitfalls. Book in for a free money chat with Cashpoint.
THERE’S STILL HOPE FOR YOU MONEY MUDDLED AND FINANCIAL FANTASISTS:
But you need to get help NOW! Most problems can be sorted (and prevented) with a little help and advice - it’s not too late to get things back on track. Read the poster on the left and come down and see the Cashpoint team. 21
hitch or ditch
Straight talking, no b*llshit advice from Cashpoint Worker, Thando Harney and the Youth Board... Hi Sarah, First of all, well done for getting help with this issue. Money can be a complicated thing in relationships but the key is communication. I suggest that you talk to your girlfriend about this when you are both in a good space and ask her if she did take the money and her reasons for spending more than usual on the food shopping. Give her time to explain and also let her know how you feel afterwards.
Dear hitch or ditch, My girlfriend and I have been together for a while now, and we’ve always shared everything like food and clothes. I’ve recently got a new job so now I have more money coming in than she does as she’s still at college. The other day she took money out of my wallet that I’d left at home to go food shopping and spent loads more than we should have without asking me first. It’s not the first time she’s done something like this and I don’t know how to bring it up without upsetting her but it’s getting me down as I don’t feel I have control over my own money. What should I do? Cheers, Sarah Sarah, No one has any right to take money without your consent, no matter what relation they are to you, this can be considered financial abuse. In relationships people’s boundaries are different for everyone and you should be able to talk to your partner and communicate yours to her. Relationships should be equal, especially in terms of financial contributions to shared living costs and most importantly relationships are about compromise. Be firm, kind and try to talk through it. Good luck! The Youth Board.
When people in a relationship earn different amounts, it can lead to an imbalance in power but there are ways to avoid this. Perhaps it’s time to review your household budget and set an agreed amount on your expenditure. Let her know that you want her to maintain her independence. You also need to check if and how this affects your benefits because there may be some significant changes if you live together. In a nutshell: • • • •
Get the facts Tell her how you feel Come to a resolution about how to handle things moving forward Ensure you let DWP know and the council know
You will feel so much better when you deal with it. It’s normal to feel anxious about bringing up these things but you will feel loads better once you talk about it. Congratulations on the new job! Thando :o)
a few more
Pop into our free Cashpointers workshop on Monday 2-4pm at the Old Market offices. 22
In an emergency for Fire, Police and Ambulance services dial 999 SHELTER 24 hour freephone number: SMELL GAS OR SUSPECT A LEAK? Call National Grid using a phone outside your home and then call your landlord’s repair line POWER FAILURE- ELECTRICITY 24 hours
0808 800 4444
0800 111 999 0800 678 3105
Councils Bristol City Council (8.30am - 8pm) 0117 922 2200 Emergency Control Centre (24 hrs) 0117 922 2050 South Glos Council (Switchboard and out of hours) 01454 868 686 Police
(main switchboard) Emergency Text Hospitals and Health Bristol Royal Infirmary (BRI) Southmead Hospital NHS Direct (24Hrs) RSPCA (pets) Someone to talk to Samaritans Bristol 37 St Nicholas Street BS1 1TP Useful Mental Health contacts: www.mind.org.uk www.rethink.org www.otrbristol.org.uk www.samaritans.org www.awp.nhs.uk Bristol active life project: www.bristol.gov.uk/balp
101 999 18000 0117 923 0000 0117 950 5050 111 0300 1234 999 0117 9831000 0117 980 0370 0300 5000 927 0808 808 9120 08457 909090 01249 468 000
Why pay? If you’re a Service User use the
0800 731 7213 FROM LANDLINES
to contact your support worker
If you need help, advice or want to talk about something that’s worrying you - your support worker will try to help you or will put you in touch with the right people. There’s always someone to talk to. Check the back of your Service User Handbook for other useful organisations and freephone numbers.
0117 352 1173 23
The quarterly magazine for service users and supporters of 1625 Independent People.