Cost of Living: Crunch Time References

Preface (p.2)

1. Record wage rises still outpaced by soaring inflation, BBC News
2. Resident Voice Index™ survey results

Debt (pp.4-8)

3. Resident Voice Index™ ‘Surviving but not living’ report
4. The UK economy is about to be thrown into a black hole – by its own government, The Guardian
5. More than two million UK households are in debt on their electricity bills, The Guardian
6. Broke: Britain’s Debt Emergency, Channel 4 Dispatches
7. Debt and mental health, Royal College of Psychiatrists
8. What if I ignore my debts?, StepChange
9. Managing a moral identity in debt advice conversations, PubMed.gov
10. How we can flush out poverty stigma from our systems and services, Joseph Rowntree Foundation
11. Financial shame spirals: How shame intensifies financial hardship, J.J. Gladstone et al.
12. Help more social housing tenants to avoid high-cost credit, Responsible Finance
13. Barnet Homes, Fair for You
14. The Social Impact of Fair for You, Centre for Responsible Credit
15. How the cost of living crisis is squeezing UK households, Financial Times
16. The Damage of Debt, The impact of money worries on children’s mental health and well-being, The Children’s Society
17. Single mothers and debt?, The Debt Advisor

Families on the edge (pp.9-12)

18. Gordon Brown: ‘Set emergency budget or risk a winter of dire poverty’, The Guardian
19. Parents more likely to report increases in their cost of living, Office for National Statistics
20. Families’ financial resilience fall to just 19 days amid economic crunch, Money Marketing
21. Britain’s Evicted Kids, Channel 4 Dispatches
22. Nursery for under-twos costs parents in England 65% of wage, The Guardian
23. The Gender Gap: Insecure work in the UK, Work Foundation
24. Pregnant then Screwed
25. Two-child policy has made UK families poorer, finds report, The Guardian
26. UNICEF UK submission to the consultation on better measurements of child poverty
27. Child poverty facts and figures, Child Poverty Action Group
28. Getting the building blocks wrong: Early childhood poverty in the North East, North East Child Poverty Commission
29. Jamie Oliver calls for more children to receive free school meals, The Guardian
30. Single-parent families ‘most exposed’ to cost of living crisis in Great Britain, The Guardian
31. Family Resources Survey: financial year 2020 to 2021, Department for Work & Pensions
32. Single parents: facts and figures, Gingerbread
33. More than one-third of single mothers in debt as former partners fail to pay child support, research finds, Independent
34. The crippling cost of being a single parent during the cost of living crisis, Cymru Online
35. The Wrong Blazer 2020, The Children’s Society

“Stuck between a rock and a hard place” (pp.13-15)

36. Self-Efficacy and the Perception of Control in Stress Reduction, MentalHelp.net
37. Stress-related illness the biggest health expenditure in the UK annually, Cigna
38. 78% of low-paid workers say cost-of-living crisis is the worst financial period they have ever faced, Living Wage Foundation
39. Consuming negative news can make you less effective at work, Harvard Business Review
40. Asda Income Tracker
41. Fifth of UK households now have ‘negative disposable income’, The Guardian
42. More than one in eight UK households fear they have no way of making more cuts, The Guardian
43. Lightning Reach website

A well faring state? (pp.16-18)

44. Sunak eyes as much as £50 billion of UK spending cuts, tax rises, Bloomberg UK
45. Martin Lewis: 14 ‘energy price guarantee’ need-to-knows, MoneySavingExpert
46. Universal Credit, Gov.uk
47. Personal Independence Payment (PIP), Gov.uk
48. National Minimum Wage and National Living Wage rates, Gov.uk
49. UK Average Salaries & UK Salary Map, AV Trinity
50. Average Staff Nurse Salary at The National Health Service (NHS) in United Kingdom, Payscale
51. Statutory Maternity Pay and Leave: employer guide, Gov.uk
52. The new State Pension, Gov.uk
53. Carer’s Allowance, made simple, Mobilise
54. UK living standards ‘to fall at fastest rate since mid-1950s’, The Guardian
55. UK slips behind India to become world’s sixth biggest economy, Bloomberg UK
56. Cost of living: Failing to raise benefits in line with inflation ‘would push 200,000 children into poverty’, i
57. Poverty rates by type of tenure, Joseph Rowntree Foundation
58. Hyde Housing website
59. Hyde’s Universal Credit support tool, Hyde
60. DWP rejects more than half of PIP applications leaving thousands struggling without the benefit, CambridgeshireLive
61. Facts & figures, Carers UK
62. Our cost of living survey: the results, Maternity Action
63. ‘Unbelievable’ nurses are relying on food banks, says Gordon Brown, Sky News
64. Poverty pay and exhaustion: Burnout NHS workers are threatening to quit, Left Foot Forward

”What’s the point anymore?” (p.19)

65. The cost-of-living crisis is a health emergency too, The Health Foundation
66. Economic inequality increases risk taking, B. Keith Payne et al.

  The Resident Voice Index™ score (pp.20-21)

67. Resident Voice Index™ Neighbourhoods & Communities report

Resilience (pp.22-23)

68. Resident Voice Index™ Community Support & Life After Lockdown report
69. Rent arrears have nothing to do with tenants’ misspending, Inside Housing
70. Household Resilience Study: Wave 3, Department for Levelling Up, Housing and Communities
71. Rocket Science, Many Sisters financial resilience, Process & Impact Final Evaluation Finding – JP Morgan and Southern Housing July 2022
72. Housing Association’s Charitable Trust (HACT) discuss Community Resilience and thoughts on the latest Resident Voice Index™ findings, MRI Social Housing
73. Critical Conceptual and Measurement Issues in the Study of Resilience, Michael Windle

Furniture Poverty (pp.24-25)

74. SROI of Furniture Provision, End Furniture Poverty
75. What factors are linked to people living in households that are in material deprivation?, Welsh Government
76. Air fryer and slipper sales surge as UK strives to reduce energy use, The Guardian
77. Research – The State of Crisis Support 2022, The Guardian
78. How our commitment to digital paid off in the pandemic, Housing Solutions
79. Evidence review of home adaptations in the UK and other OECD countries, UK Collaborative Centre for Housing Excellence
80. The Hygiene Bank: Hygiene Poverty 2022, YouGov
81. No place like home, Poverty and Furnished Tenancy Provision in Social Housing, End Furniture Poverty
82. A Blueprint for Furniture Provision in Social Housing, End Furniture Poverty

Food (p.26)

83. What we do, The Trussell Trust
84. End of year stats, The Trussell Trust
85. How the cost of living crisis is affecting tenants, Inside Housing
86. Lowest-cost groceries have become 17% more expensive in the past year, ONS data finds, Sky News
87. OLIO website

  Where do we go from here? (p.27)

88. Resident Voice Index™ Community Action Plans
89. St Ann’s Food Hub website
90. Peabody Housing website

  Housing providers (pp.28-29)

91. Kitty’s Launderette website
92. New ‘Solar Homes’ given the go ahead, Pobl Group
93. Cost of living: Swansea estate cuts bills by generating energy, BBC News
94. Capping rents will hit social housing safety efforts in England, say landlords, The Guardian
95. The rent cap could result in a net loss of more than £1bn for housing providers and have severe knock-on consequences, Inside Housing
96. Social housing rent arrears hit record £1bn, Inside Housing
97. DWP finds bedroom tax deepens poverty and doesn’t free up accommodation, Child Poverty Action Group