The cost of living... what can we do?

Discussion in 'Off-Topic Discussion' started by Fat Controller, Aug 26, 2022.

  1. gks

    gks Total Gardener

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    Eligibility Criteria
    You are eligible for ECO FLEX if your household income is £30,000 and below, including housing costs.
    You are receiving Child Benefit and you are a:

    Household type & Net Earnings:

    • Single person, no children £14,700
    • Couple, no children £23,300
    • Single person, child age 0-4 £18,300
    • Single person, child primary school age £19,200
    • Single person, child secondary school age £22,100
    • Couple, child age 0-4 £25,500
    • Couple, child primary school age £26,500
    • Couple, child secondary school age 3 £29,300
    • Aged over 60, and particularly those over 75
    • Children under 5 and pregnant mothers
    • Respiratory disease (COPD, asthma)
    • Cardiovascular disease (e.g. ischaemic heart disease, cerebrovascular disease)
    • Moderate to severe mental illness (e.g. schizophrenia, bipolar disorder)
    • Substance misusers
    • Dementia
    • Neurobiological and related diseases (e.g. fibromyalgia, ME)
    • Cancer
    • Limited mobility
    • Haemoglobinopathies (sickle cell disease, thalassaemia)
    • Severe learning disabilities
    • Autoimmune and immunodeficiency diseases (e.g. lupus, MS, diabetes, HIV)
    • Recent hospital admission resulting from a fall at home
     
  2. JWK

    JWK Gardener Staff Member

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    I don't know the name of the scheme here, it doesn't ring a bell.
     
  3. pete

    pete Growing a bit of this and a bit of that....

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    The thing I find totally off putting with all this grant type stuff is you have to get involved with some company or other before you can find out anything or claim anything.

    First thing all these companies ask is all your details to find out if you are eligible.

    I think you should be able to apply direct to your council and find these things out, not via a third party who is likely to pester the hell out of you to go ahead, even if its not really ideal for you, they just want the money.
     
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    • JWK

      JWK Gardener Staff Member

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      It was a set of requirements like that, except we don't get any benefits and were given the grant.
       
    • gks

      gks Total Gardener

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      The ECO schemes were introduced on the 1st April last year and I think runs till March 2026, they replace the older grants the government were offering.
       
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      • JWK

        JWK Gardener Staff Member

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        In our case we applied via a company called Action Surrey, we were very sceptical even though they used our local council website logos and had testimonials from local people. They were genuine and organised everything, they have a list of preferred suppliers who submitted quotes. We didn't have to do anything, Action Surrey accepted one of the quotes and gave us a list of dates for the install. All we had to do was let them in and feed them with biscuits and tea. The scaffolding was put up in a morning and the installers came a few days later and had the panels working within a day. All for free.

        The scaffold was left another two weeks so I used it to repaint my fascias and soffits.

        The only hassle was getting the loft insulation installed. I had to clear our loft of accumulated junk and pull up the boarding, otherwise they wouldn't have done it. The insulation was laid in a morning after I done the clearance.
         
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        • JWK

          JWK Gardener Staff Member

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          @pete what I meant to say was we were effectively dealing with the council, they directly fund this company (Action Surrey) to do all the organising and installation. To begin with we did have to do the means test, a few forms and provide bank statements etc. We were never pestered or contacted directly by any pushy salesmen.
           
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          • pete

            pete Growing a bit of this and a bit of that....

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            OK sounds good, but you did have to pay something?
            Didn't you.
             
          • JWK

            JWK Gardener Staff Member

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            No the panels and insulation were installed for free. No money left my bank account, although to begin with I was thinking it was a scam.
             
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            • JWK

              JWK Gardener Staff Member

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              I've just taken this from their website:

              "The Action Surrey partnership of local authorities has been awarded further funding to help Surrey households save money on energy bills and improve the energy efficiency of their homes.

              The Sustainable Warmth scheme encompasses the Green Homes Grant Local Authority Delivery Phase 3 (LAD3) and the Home Upgrade Grant Phase 1 (HUG1).

              Funding is available to low-income households, with hard-to-heat properties. Applications for properties with an Energy Performance Rating of E, F or G will be prioritised. Upgrades to EPC D-rated properties will be limited. Upgrades to listed properties will be limited and in some cases may not possible."

              I'm pretty sure that other councils will have this funding available, finding out how it's distributed will be the tricky thing. I actually saw it advertised on our local facebook page and thought it was another scam until I recognised some of the local people they had helped. I took some convincing.
               
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              • gks

                gks Total Gardener

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                I have just done a couple of these solar energy calculators. As me and my Mrs generally work during the day, plus gas is also our main source of heat and cooking, our potential annual benefit is on the low side.

                I would be looking at a potential annual benefit of £225 - £308. Based on the cost of the panels alone £6k that relates to a 20 year minimum break even. both sites gave me a negative lifetime benefit. Now if I put 6k in a 2 year fixed savings account at 4.5% I get a return of £270 annually.
                 
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                • pete

                  pete Growing a bit of this and a bit of that....

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                  That's interesting @JWK.
                  I was thinking they only paid something towards the installation not the full amount.
                  Clearing my loft would be a problem. :biggrin:
                   
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                  • JWK

                    JWK Gardener Staff Member

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                    We were/are kleptomaniacs with all sorts of stuff, old children's toys, Christmas cards, car magazines, yoga mats, sleeping blankets, tents, bits of furniture, as well as the usual Christmas decorations, suitcases, things we don't use often. Plus we are storing household equipment from when our daughter was at Uni and will be needed sometime. All in all it was 37 years worth of junk, we kept things just in case.

                    It took me several weeks just to bring it down a few at a time. We have given a lot away, sold some and dumped most. It was a good exercise because if ever we have to move in the future we only have what we need. I couldn't have got them down if I wasn't fit. When it came to getting the floorboards up that was another awful job, I managed to lift them without too much damage and raise them up for the extra insulation. Some of this work was over the summer and it was like a sauna up there.

                    Last week our kettle died and I knew we had a spare in our reorganised loft boxes. After keeping it for years it was useless so had to buy a new one. It's not worth keeping things just in case. It spurred me on to clear out my shed in the summer, I was ruthless and dumped a lot more.
                     
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                    • pete

                      pete Growing a bit of this and a bit of that....

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                      I didn't realise that you reboarded the floor in the loft.
                      Would they have just laid the new insulation over the top of the boards if you didn't want to use the loft any more.
                       
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                      • Upsydaisy

                        Upsydaisy Total Gardener

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                        You sound exactly like us John we have more stuff up in our loft than we do in the house!!
                        Furniture from my Great Uncle and toys that our children had ..plus cases with some of their baby clothes. Also have cases of their more dubious looking clothing fads from their teenage years too!!:yikes::thud:

                        Like you we too have all the essentials that all 3 required for Uni, they are all close in age so were at Uni at the same time so we couldn't pass bits on.
                         
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