Family And Friends

Support From Family and Friends

A good starting point is to look at the Money Saving articles in this blog as there may be some solutions in there. It’s a great idea if you are supporting a family or friend to go with them to the bank, sit with them while they make a phone call to a debt counsellor and print out relevant articles for them if they don’t have a computer.

Know their triggers

You may be able to spot changes in behaviour or recognise the pattern of triggers. You could make an agreement that the person lets you know if they seem to be becoming unwell. You could make an action plan together, eg, looking after their credit card or helping them make a GP appointment.

Consider A Basic Or Joint Bank Account

People may have difficulties making decisions some or all of the time. This could be because they have a learning disability, dementia, a mental health problem, a brain injury or have had a stroke.

If overspending is a problem, you could encourage them to open a basic bank account. These work similarly to current accounts, but won’t let them withdraw cash if there’s none in there. Account holders can withdraw cash, set up direct debits and standing orders, but they can’t get an overdraft.

Another option is to discuss setting up a joint bank account to monitor their spending and step in if you spot an issue. However, remember joint bank accounts financially link people and this has implications on things like credit score.

State Benefits

As a carer you may be eligible for state benefits such as Carer’s Allowance. To qualify for Carer’s Allowance, you need to be aged 16+ and helping out someone on various benefits for 35+ hours a week.

You don’t have to be related or cohabiting, and the help can be anything from shopping, sorting paperwork or just giving up your time.

If someone you care for finds it hard to deal with the benefits system, you may be able to claim benefits on their behalf by becoming an appointee. To do this, get in touch with the person’s local DSP office.

Free Advice And Support

Don’t be afraid to ask for help! For advice on financial and other support, MABS is a good starting point. They can also direct you to carers’ centres in your area. These are independent charities offering advice and free activities.

If you need a break from caring for your health reasons, speak to your GP. There may be a budget to provide a temporary carer so you can take time off. Some charities also provide help to pay for a holiday for carers and patients.

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