• Looking after your mental health and wellbeing

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    Worrying about the rising cost of food, energy and other essential household items can be stressful and have a major impact on a person’s mental health and wellbeing. That’s why it’s important to take time out of your day to relax or do something you enjoy.

    Things you could do to help yourself and others

    • Talk about stress and its effects – let's work together to reduce the stigma that is associated with stress by talking about the topic openly and freely with friends, family, and colleagues.
    • Share your coping mechanisms – if something has worked for you why not share it. It might benefit someone you care about and, in the meantime, it might help you take your focus off your own challenges.
    • Be nice to those who are stressed and anxious – we are all undoubtedly going to experience stress and anxiety in our lifetime so treat others going through it with compassion and empathy.
    • Look after yourself – we all need to think more about self–care. Take time out of your day to relax or do something that you enjoy. Don’t forget to exercise and eat well, even when you feel too stressed.
    • The most crucial thing you can do when you are stressed or anxious is to make sure you are continuing to look after yourself. Make time to relax when you need to and learn to say no to requests that are too much for you.

    You can find lots more information and free resources on how to recognise and manage stress on the NHS Every Mind Matters website.

    Stress - Every Mind Matters - NHS (www.nhs.uk)

    5 ways to wellbeing

    The five ways to wellbeing are about making your life that bit brighter without having to make dramatic changes to your lifestyle.

    Simple things like connecting with the people around you, going for a walk, wheel or run, being curious about your environment, trying something new, or doing something nice for a friend, can have a major impact on how you’re feeling.

    Explore the link below to find out more about what is available in Cheshire West to help lift your mood and improve your wellbeing with ease.

    5 Ways to Wellbeing

  • Improve the energy efficiency of your home and reduce energy usage

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    Several Council, local. and national schemes are available to help residents across the borough to address the energy efficiency of their homes, helping to reduce energy use, lower bills and improve health and wellbeing.

    Home Upgrade Grant
    This is available to homeowners or private tenants living in properties that are not heated by mains gas and have an Energy Performance Certificate (EPC) rating of Band D, E, F or G.

    To qualify you must meet one of the following criteria:

    • You receive an income related benefit, for example, Universal Credit, Pension Credit Guarantee, Council Tax Support, income-related Employment and Support Allowance, or Tax Credits
    • Your total combined annual household income before tax, National Insurance and other deductions is no more than £31,000
    • Your total combined annual household income before tax, National Insurance and other deductions is no more than £20,000 after your housing costs have been deducted. By housing costs, we mean mortgage payments, rent payments and Council Tax

    More information and how to apply can be found using the link below.

    Home Upgrade Grant

    Home Improvement Agency
    This service, delivered by ForHousing, supports older people, people with disabilities or those on low incomes to repair, improve or adapt their homes, ensuring that they can continue to live independently.

    Home Safety Grants and Decent Homes Loans can help with urgent and essential repairs. More information on eligibility criteria and examples of the types of work that a grant or loan can be used for is available.

    Home Improvement Agency

    Details of additional, local and national energy efficiency schemes can be found on the Council’s Home Energy web page along with links to advice and guidance to help reduce energy usage.

    Home energy | Cheshire West and Chester Council


  • Support available to the Armed Forces community

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    Dealing with everyday challenges relating to the cost of living can affect anyone including currently serving troops and their families, veterans, and cadets.

    To support veterans and ex-service families, the Armed Forces Community Support charity, with the support of the Council, provide drop-in sessions four times a month in Ellesmere Port and Chester.

    The Navy, Army, and Air Force Institutes (NAAFI) Break Drop-in is open to veterans, Regulars or Reserves, and their dependents, to come together in a relaxed social environment to share similar experiences.

    It also offers front-line help where needed and direct access to support, advice, and guidance on topics like employment, debt, benefits, welfare, mental health difficulties, housing, homelessness, drug and alcohol problems.

    Location and times
    Ellesmere Port Library – second and fourth Thursday of every month between 11am and 1pm

    Dale Barracks, Chester – first and third Thursday of every month between 11am and 1pm

    Brio Leisure also provides current and ex-members of the military, along with those who are medically discharged, the opportunity to receive a discounted or free membership. Ex-members of the armed forces can benefit from Brio Leisure’s discounted Work Fit Membership, and this is available to those who have left the forces in the last five years.

    For more information on employment, housing, health and leisure support, visit the Armed Forces Covenant pages on the Council’s website.

    West Cheshire Armed Forces Covenant


  • Help with paying your TV Licence

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    Did you know that you might be able to get help with paying your TV Licence through the Simple Payment Plan?

    With a referral, you can choose from either a fortnightly or monthly payment plan that spreads the cost of a TV Licence over 12 months. This means you make smaller payments more frequently, helping you to manage your money. Payments work out at around £3 per week, so it is the most affordable way to pay for a TV Licence.

    Any not-for-profit organisation or local authority debt advice team providing free, confidential, and independent money advice can refer you to join the TV Licensing Simple Payment Plan.

    If you would like to speak to someone about your finances, and ask about a referral, you can call the Citizens Advice debt helpline on 0800 240 4420.

    TV Licensing: What is the Simple Payment Plan?

    Other TV Licence concessions

    There are other TV licence concessions which you might be eligible for.

    If you are aged 75 or over, and receive Pension Credit, you can apply for a free TV Licence.

    Apply for a free TV Licence if you're aged 75 or over and receive Pension Credit

    If you are blind or severely sight impaired, you can apply for a 50 per cent concession for a TV Licence online.

    Apply for a 50 per cent concession if you're blind or severely sight impaired
  • Healthy Start supports families in need

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    Pregnant people and new parents could access extra support through the NHS Healthy Start scheme.

    If you're more than 10 weeks pregnant or have a child under the age of four, the Healthy Start scheme can help you:

    • buy healthy foods like milk or fruit
    • get free vitamins.

    You can also use the scheme to collect:

    • Healthy Start vitamins, supporting you during pregnancy and breastfeeding
    • vitamin drops for babies and young children, suitable from birth to four-years-old.

    The scheme now uses pre-loaded cards, meaning those who already receive Healthy Start using paper vouchers must re-apply. You'll be contacted by Healthy Start when you can apply for the digital scheme.

    The uptake in parts of west Cheshire, especially more rural areas, is low so make sure you register for this scheme if you're eligible.

    You need to be claiming certain benefits to qualify but if you're pregnant, under the age of 18, and don’t receive any other benefits, you can still claim.

    If you're eligible, you'll be sent a Healthy Start card with money on it that you can use in most UK shops that sell milk, infant formula, fruit, and vegetables. This includes:

    • supermarkets
    • convenience stores
    • grocery stores
    • drug stores and pharmacies
    • markets
    • dairy products stores
    • news dealers and newsstands
    • freezer and locker meat provisioners (such as butcher shops)
    • petrol stations

    The shop must display a Mastercard® logo. The logo is normally shown on the shop door or at the till. Ask an employee inside the shop if they take Mastercard® if you're unsure.

    Your allowance will be added on to this card every four weeks.

    You can use your card to buy:

    • plain liquid cow's milk
    • fresh, frozen and tinned fruit and vegetable
    • fresh, dried and tinned pulses
    • infant formula milk based on cow's milk.

    A set of frequently asked questions are available on the Healthy Start website, covering things like applying for the scheme, how you can use it, advice for health professionals and more.

    NHS: Healthy Start FAQs

  • Free maths and budgeting courses with Multiply

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    At the Cheshire West and Chester Work Zones, you can access free maths courses to improve your skills, learn how to manage a budget, or get qualifications to help you find quality employment. All you need is to be over the age of 19, and to not already have a Level 2 qualification in maths (A-C at maths GCSE).

    The government-funded Multiply programme is designed to help people gain skills and feel confident using maths in their daily lives. There are a wide range of courses available.

    Maths workshops

    If you don't want to do a qualification but do want to learn practical numeracy skills, the Work Zones offer interactive courses that help you apply maths to everyday tasks like cooking. For example, the Ellesmere Port Work Zone offers courses on food budgeting and money managing. Learning how to cook an affordable meal and stay on top of how much you're spending on your groceries is more important than ever as the cost of living rises.

    Alternatively, you could do a 'Brush up on your Maths' course at Chester Work Zone to build your confidence in maths.

    The workshops take around 5-10 hours and can be completed in a couple of sessions. They're very flexible, so you can do them in-person, in the Work Zones or school hubs, or online.

    Get a maths qualification

    If you want to get a qualification in maths, you could do a Functional Skills Maths course which will have an assessment at the end. You can do Entry 3, Level 1, or Level 2 functional maths skills. A Level 2 qualification is equivalent to an A-C GCSE in maths.

    Maths Award courses

    If you're less confident in your maths or find assessments stressful, you can take a Maths Award course. These courses will be adapted to fit your ability and your learning style to help you gain maths skills that will be useful in your daily life. You can use your coursework to achieve the award instead of an exam, and then go on to do a Functional Skills qualification afterwards if you wish.

    How do I book a course?

    To find out more about the courses and sign up, please contact your local Work Zone from the list below to see what they offer. If you don't want to phone, you can pop into the Work Zone.

    • Ellesmere Port Work Zone, The Portal, Wellington Road, Ellesmere Port, CH65
    • Tel: 07990 532 869
    • Northwich Work Zone, Waterside House, Navigation Road, Northwich, CW8 1BE
    • Tel: 07833 236 675
    • Winsford Work Zone, Wyvern House, The Drumber, Winsford, CW7 1AH
    • Tel: 07766 205 389
    • Chester Work Zone, The Bluecoat Buildings, Upper Northgate Street, Chester, CH1 4EE
    • Tel: 07775 717 122

    Alternatively, you can send an email to multiply@cheshirewestandchester.gov.uk to get more information and sign up for a course. Or, you can call Simon Dutton:

    • Tel: 07798 742 100

    Multiply for parents

    If you are a parent, Multiply also offers courses in certain schools, including how to 'Help your child with maths'. For more information, contact your local Work Zone from the list above.

    Book-keeping courses coming soon

    From September 2023, Work Zones are also going to be offering workshops on bookkeeping. So, if you want to set up a business or run one already, you can gain the skills you need to manage your own finances.

  • Looking after your mental health

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    Worrying about money can make it difficult to prioritise your mental health and wellbeing, but there is support available to help you take care of yourself.

    Mental health charity Mind offer lots of guidance to make managing your money easier.

    • Put all your letters, bank statements, payslips, bills and in one place so they are easy to find.
    • Set a reminder on your phone, at a set time each week or month, to check your bank balance so you know what you’re spending and how much you have left.
    • You could set a regular time to think about any tasks you need to do around money, such as paying your bills, and plan a relaxing activity for after you’ve finished.
    • If possible, use cash instead of cards. Take out only the amount of money you can afford to spend, for example for a weekly shop.
    • Create a budget. Start by making a list of all the essentials you need to spend money on every month, like rent, energy bills, phone bills and food shops. You could try using bank accounts which allow you to put money aside in separate pots.
    • If you’re struggling to pay off your debts, get free debt advice from Citizens Advice. You could also ask for a break from paying interest on your debts under a government scheme called breathing space. If you are eligible, you’ll need to speak to a debt advisor to be considered.

    Call Citizens Advice Cheshire West on 0808 2787 806.

    National Debt Line: Breathing space

    If you are struggling financially, the stress this causes can make it harder to reach out for help. Mind has some advice on how to manage this anxiety and manage your money.

    • Set a time for when you're going to open a bill or letter. You don't have to open them all at once - you can take it step by step.
    • Or, you can ask someone you trust to open your letters and bills for you. They can let you know which of them are important.
    • You could let your bank know that you have a mental health problem to see if there are any adjustments they can make.
    • If you feel uncomfortable talking on the phone, use services which allow you to manage your account online, or let you speak to someone using web chat.
    • Make notes beforehand on everything you want to ask about. You could write down all the things you want to say in advance.
    • Afterwards, keep a note of everything you talked about. You can also ask the person on the phone to send you a summary.

    If you need support, you can contact Mind's helpline.

    If you would like to access face-to-face support, Mind have an office at 1a Dene Drive, Winsford, CW7 1AX. To check opening times and arrange a visit:

    • Tel: 01606 863 305
    Mind: Money and mental health
  • Household Support Fund

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    Many people are struggling with the rising cost of living. If you're one of those people, then the Household Support Fund may be able to help you.

    Recently extended by the Government until 31 March 2024, the Household Support Fund is there to support households in the most need, especially with energy costs, food, water bills and other related essential items. The fund is available to a broad range of low-income households across the borough including families with children of all ages, pensioners, unpaid carers, care leavers, and people with disabilities.

    It's worth noting that you don't need to be getting benefits to receive help from the Household Support Fund and if you are receiving benefits the additional funding to help with the cost of living will not affect your benefits.

    To find out more about the Household Support Fund and to check if you're eligible to apply, visit:

    Household Support Fund

    There is also information and guidance about food provision, money advice and mental health and wellbeing support on the Council's cost of living page:

    Cost of living support
  • Live Well Cheshire West

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    If you're looking for support in your local area, look no further than Live Well. Live Well Cheshire West is a website produced by the Council, working with the NHS. It can help you find information about local services, support, activities, and events for everyone across a broad range of subjects including social care, health and wellbeing, education, employment, support for carers and much more.

    Visit the Live Well page and put in your postcode or area, along with the type of support you are looking for, to find services near you. You can also filter the results by all sorts of different requirements like whether the service can cater to dietary requirements, or whether they are open before or after school times. Live Well offers support to people of all ages, including children and families.

    Live Well Cheshire West

    Money Matters

    There is a dedicated Money Matters section which can show you support for bills, budgeting, debt, benefits, and more. For example, if you live in rural Cheshire and are worried about affording hot meals for yourself or your family, you could visit Malpas Community Kitchen on a Wednesday lunchtime and enjoy a hot meal for free, no referral needed.

    Live Well Cheshire West: Malpas Community Kitchen


    If you are struggling to pay your bills as the cost of living rises, you may be eligible for benefits that you are not yet claiming. Live Well can direct you to this A-Z list of welfare benefits and grants, made by Turn2Us.

    turn2us: Your Situation A-Z


    You might need a new fridge or washing machine but not be able to afford a large sum right now. On Live Well, you can see a whole list of organisations that provide white goods and furniture at affordable prices. Changing Lives Together offer new and reused furniture for low prices, as well as many other services like distributing food that would otherwise have gone to waste, connecting socially isolated members of the community, and providing a community bus service to help residents get around.

    Changing Lives Together: What we do


    Watch this short video which shows you how to find the information you're looking for on Live Well Cheshire West.

    If you know anyone who is not online, Live Well can be accessed at any local Cheshire West and Chester Council library. Staff at the library can help people get online and find services to improve their computer skills.

  • Help with broadband, TV or phone bills

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    Mobile phones and broadband are essential for using online services like banking and job applications, but two million households in the UK struggle to afford their internet bill.


    Cheaper broadband if you receive benefits

    Did you know that if you receive certain benefits, you might be able to get a low-cost plan from your broadband or mobile provider? If you receive Universal Credit, Jobseeker's Allowance, Pension Credit, or Employment and Support Allowance, take a look at the list of cheap tariffs that you could access on the Ofcom website. Remember, if you are switching packages, check whether there’s a cancellation fee first.

    Ofcom: Cheaper broadband and phone packages


    Free broadband if you're a jobseeker

    If you're looking for work, you can go to your local Jobcentre and request a voucher to get free broadband from TalkTalk. The voucher allows you to get six months of TalkTalk's Fibre 35 broadband service with no contract or credit check required. There is no cancellation fee at the end of the six months.

    Find your nearest Jobcentre


    Struggling to pay your bills?

    If you're struggling to pay your mobile phone bill, there are steps you can take to make it more affordable. It's important to keep up with your payments if you can. This isn’t just so you don't lose your connection, but also because it could affect your credit score if you don’t.

    If you need help, contact your provider as soon as possible to explain the situation. Many providers have support in place to help you, such as changing your bill date, setting up an affordable repayment plan, moving to a different tariff, or lowering your spending cap.

    If you are still worried about paying your bills and need debt advice, you can find free debt advice near you. Check out the MoneyHelper locator for online, telephone, and face-to-face debt advice at no charge.

    MoneyHelper: Debt advice locator


    Save money by switching packages

    If you're on a mobile phone contract, you might be able to move to a cheaper pay-as-you go tariff or sim-only deal. MoneyHelper have created a guide on how to shop around to find the cheapest phone and broadband packages that work for you.

    How to save money on your home phone and broadband

    Before you switch packages, make sure to check if you have to pay a fee to end your current contract early. There's a useful guide on cancelling a phone, TV, internet, or mobile contract on the Citizens Advice website.

    Citizens Advice: Guide to cancelling phone, TV, internet or mobile contracts