Cost of living crisis: 4 resources for Naval families

The UK is in the midst of its worst cost of living crisis since the 1970s.

Food, energy, broadband, council tax and petrol prices are steadily increasing, with wages lagging behind. While you could be forgiven for trying to block out the headlines, now is the time to listen and take action.ย 

With the summer holidays fast approaching, we know there will be extra pressures on parents financially. These challenges are particularly difficult for the less fortunate, as those on free school meals will have an increased cost of living, even before trying to spend on entertainment for the kids over the summer.ย 

Looking forward to the winter months, forecasts for energy costs are escalating and will create even greater stress on family incomes.ย 

Our advice is to start thinking about these costs now. Give yourself the time to budget, search for discounts and implement new habits before things get more expensive.ย 

To help you in your endeavours, weโ€™ve put together a list of resources, both general and tailored to Naval families, that can help you tighten those purse strings.ย 

 

Moneysavingexpert.com

For a general overview of how to budget, and access discounts on key living costs, moneysavingexpert.com is a great place to start.ย 

Martin Lewis and his team have reacted at great pace to provide in-depth advice to those that are really feeling the pinch.ย 

Their cost of living survival kit offers solutions to problems raised by followers of the websiteโ€™s social media channels. It is essentially a crowdsourced one-stop-shop for the current personal financial crisis.ย 

Advice ranges from a guide on โ€˜How to heat the human, not the homeโ€™, to links on checking if your family could be entitled to government assistance, and how you can claim free food from supermarkets and restaurant chains.ย 

A lot of their pre-existing content has become even more relevant. This evergreen guide to budgeting will help you reduce monthly costs almost immediately, while the money makeover guide helps you to take an appraisal of your current outgoings. The Money Saving Expert forums are a great place to bounce ideas off of fellow savers, and find ideas that even Mr Lewis himself hasnโ€™t conceived.ย 

 

Turn2us

Turn2us is a charity that helps people in financial need gain access to welfare benefits, grants and other financial help.ย 

They have a range of support tailored to fit specific groups, as well as brilliant general advice on tackling increased cost of living. Their benefit calculator can help families access thousands of pounds they might otherwise have missed out on.ย 

For those who are expecting a child, are currently raising children, are themselves a young person taking the next step in their education (16+), or are considering a vocational career (16-18), they have extensive guides on accessing government support.ย 

They also have a range of resources that are of particular interest to military families, all of which are detailed in this guide. This includes information on financial support for both serving and veteran personnel.ย 

 

SAILย 

The Seafarersโ€™ Advice & Information Line (SAIL) is the only UK-wide Citizens Advice for seafarers and their partners. As such, they can help members of the Royal Navy and The Royal Fleet Auxiliary.ย 

As well as offering advice on budgeting and associated issues such as debt management and housing, they can help with familial problems that can arise from stretched finances.ย 

Looking longer term, they can also provide help on pensions, which could prove vital as we become more fixated on our immediate needs.ย 

Their information page provides quick and itemised information on their range of services.ย 

 

Jack Monroe – Cooking on a Bootstrap

Food prices have proven to be a particularly pressing issue in the past few months. Jack Monroe has been at the forefront of this coverage, but has been helping low income families effectively budget their grocery spends for almost a decade.ย 

Her website is a valuable source of cheap and nutritious recipes for breakfast, lunch, dinner and all the snacks in between. The meticulous itemising of costs will give you a far more accurate understanding of your spend per portion than any other recipe website.ย 

Jack also has a range of budget cookbooks. While this may seem like an unnecessary cost, the potential savings quickly cover the initial outlay.ย ย 

For those on social media, Jack often shares examples of her own familyโ€™s weekly meal plans on Twitter, as well as providing tips on how to make ingredients go further.ย 

 

Contact the Naval Childrenโ€™s Charity

If youโ€™re struggling, and need our help, please donโ€™t hesitate to get in touch.ย 

We can provide support for the living costs of children up to the age of 25, where their parent or guardian is a veteran or serving member of the Royal Navy, the Royal Marines, Womenโ€™s Royal Naval Service, the Royal Fleet Auxiliary and the Queen Alexandraโ€™s Royal Naval Nursing Service.ย 

You can find out more by visiting the help section of our website, or by emailing us at caseworkers@navalchildrenscharity.org.ukย 

A caseworker will then be in touch to discuss the options with you after your initial contact. Our support is means tested, however the caseworker will be able to guide you through the process.ย 

 

Further resources Charities that can helpย 

While we will endeavour to help all Naval families as best we can, there are also charities that we can recommend that might be able to help with your cost of living issues. Please see a list below that can support your different needs:ย 

Housingย 
Energy bills
Foodย 
Debt management
Others

 

Get in touch!ย 

We want this article to be a living, breathing resource for Naval families across the country. If you have a resource that youโ€™ve found useful, let us know, and weโ€™ll add it in! If you represent a charity that could help Naval families budget, claim benefits or manage their debt, weโ€™d also love to hear from you.ย 

The Websterโ€™s Story

Weโ€™re proud to provide continuing and sustained support to naval families. In this case, weโ€™ve helped an ex-serving family look after two generations of their family, for the past 12 years.ย 

The Websters* first came to us in 2008. Dad was about to be deployed and, with five children, Mum needed some help during the school holidays. Their eldest son, Dan, has learning disabilities, while his younger brother, Sam, has Autism.

We continued to support the family through the hard times and the good. We provided respite activities for the two boys with special needs during the holidays and supported Mum as the marriage broke down.

After Amy, her eldest daughter, began to show a promising academic streak, we helped with an educational grant that part-funded her tuition at a private school.

Despite her difficulties mum has continued to provide amazing care for her children. Her third son has now joined the Army, and she has recently become responsible for her two grandchildren, holding special guardianship for both children.

We recently gave the family one of our Christmas grants, to help with groceries and presents over the festive period. A special delivery was also made for the latest addition to the family, as we were able to supply baby toys and clothes for her youngest grandchild.

Testimonial:

โ€œThank you so much for all of your help, without your kindness I would have encountered real difficulties.

I wanted to express my heartfelt thanks to you for all of your help and support.

You have really made a difference to us.โ€

 

* The names included in this article have been changed to protect the subjectsโ€™ identities.

Knitting the family: mummy and daddy dolls help childrenโ€™s wellbeing while parents are on deployment

At Crofton Hammond Infant School in Fareham, Hampshire, the teachers identified a recurring issue, impacting the childrenโ€™s wellbeing.ย 

In July 2019, 32% of the schoolโ€™s pupils were from Armed Forces families, with the majority of those parents serving in the Royal Navy. The staff observed that high numbers of these children were suffering in their parentโ€™s absence, affecting their engagement and learning.ย 

As per The Childrenโ€™s Commissionerโ€™s 2018 Kin and County report, primary school children can suffer from โ€˜sadness, worry and general uneaseโ€™, due to the short- or long-term deployment of a parent.ย 

The teachers decided to implement a โ€˜deployment packageโ€™, that would help children adjust to a period of separation.ย 

Drawing inspiration from our โ€˜Knit the Familyโ€™ initiative, the school decided to create a special set of dolls for each family.ย 

A proficient knitter created bespoke dolls in the likeness of a child and their parent. Following a successful implementation, the scheme was extended to include civilian children whose parents worked away during the week.ย 

Many parents reported that the child and doll were inseparable, and that the children were overjoyed to see their doll doppelgรคngers out on deployment with mummy or daddy.ย 

Staff observed a positive impact on the pupilโ€™s wellbeing and readiness to learn, while many parents reported a greater sense of community within the school. It has also raised awareness within the children to be sensitive around a peer when their mum or dad is on deployment.ย 

A Year 1 teacher at Crofton Hammond Infant School said:ย 

โ€œOne child, who found it particularly tricky that her dad worked away Monday to Friday, just pops her โ€˜Daddy Dollโ€™ in the front of her jumper when she comes to school and consequently, she can cope a lot better, and her learning has really improved.โ€ย 

You can read more about the schoolโ€™s deployment packages by downloading the report. This case study was provided by the Service Childrenโ€™s Progression Alliance, a charity that strives to improve educational outcomes for children and young people from Armed forces families.ย  ย 

Weโ€™re always on the lookout for knitters to volunteer their skills. Weโ€™ve found that a version of mummy or daddy, or the protagonists of our short stories, The Time Rabbit and Time Penguin, can help children struggling with separation profoundly. Please visit the fundraisers & supporters page of our website to find out more.