1. Are you getting
what you deserve?
Win a nifty iPad
Air worth £330!
New book aims to
help unemployed
✔ Spending
✔ Saving
✔ Borrowing
✔ Earning
✔ Spending✔
Quidsin!Quidsin!Quidsin!Quidsin!Quidsin!Quidsin!Quidsin!Quidsin!The UK’s Number 1 Money Magazine | ISSUE 31 Summer 2016
www.quidsinmagazine.com
Quidsin!Quidsin!Quidsin!Quidsin!
FREE
INSIDE!
Adviceon:
what you deserve?
Hewhodares...
YOURMONEY BEINFORMED TAKECONTROL
h dareshares his ‘wisdom’
New book aims to
7 SIGNS
Are you getting
TAX CREDITS
New book aims to
help unemployed
Win a nifty iPad
Air worth £330!Win a nifty iPad
Air worth £330!Win a nifty iPad
Win a nifty iPad
WIN!
HDEL BOYDEL BOY
★ ★ ★
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2. THE
2 | Quidsin!
Welcome
I can be terrible for
putting off today
what can wait
until tomorrow
to be done. I do it
in all things and
despite all my
years at Quids in!, that sometimes
includes around money.
It’s taken me six months to
make the simple decision to look
at my energy bills. It’s hung over
my head like a massive deal. Like
applying for a job. Or visiting the
dentist. Then in 20 minutes it was
over. Only five of those minutes
were spent filling the online form,
the rest were looking at old bills.
The good news is I can now
save £269 through Quids in!
Switch (see p7). The bad news is
the six months it’s taken to get
this far means I’ve already paid
out £135 I didn’t need to. Over £20
a month! I feel slightly sick.
Talking of applying for a job,
it’s great to be able to share some
of what I’ve witnessed through
working with jobseekers for the
past 20 years, (see the feature
7 signs, p4-5). I’m hoping the
book I’ve written will also inspire
jobseekers to take action today. So
many have so much more to offer
than they realise.
No more putting things off!
Lovely jubbly.
JeffEditor
editor@quidsinmagazine.com
Quids in! magazine is designed
to help people understand and
manage their money better. It
is published quarterly by the
Social Publishing Project, a
social enterprise.
❍ Address 3MonmouthPlace,Bath,BA12AT. Tel 08456804906
❍ Editor JeffMitchell Emaileditor@quidsinmagazine.com
❍ PublisherSteveFaragher Emailsteve@socialpublishingproject.com
❍ CommsOfficerDanFineman Emaildan@socialpublishingproject.com ❍ AdvertisingOpportunities Lisa
Woodman Emaillisa@socialpublishingproject.com❍ CopySales RhiannonMcNamara,DeborahColvill
Emailrhiannon@socialpublishingproject.com,debbie@socialpublishingproject.com❍ CartoonbyRachelWotton
www.harmfulraes.com
Quidsin!magazine
Quidsin!makeseveryefforttoensurecontentiscorrectatthetimeofgoingtoprint.Readersshouldtakespecialistadvice
wherenecessary.Quidsin!hasnopoliticalallegiances,andopinionsexpressedarenotnecessarilythoseofthepublisheror
editor.Anyrelationshipwithadvertisersorsponsorsisalwaysontheunderstandingthatweretainoureditorialindependence.
Quids in! magazine is
supported by Aon and
Aviva. Aon arranges
home contents
insurance with Aviva for
tenants of social and
council housing. Ask
your landlord if they
have a scheme in place.
Know When
You’re Ready
Gettingyourselfset
forajob page4
Sausage
Casserole
Ouryummy,cheap
recipe page8
“He Who Dares”
‘PearlsofWisdom’from
DelBoyhimself page6
In this issue…
Quidsin!says…
If you are rejected
for a current account,
ask about a basic bank
account. Everyone
has the right to
have one
New research, from challenger bank
Pockit, reveals one in eight adults – many
in junior roles in the health, education and
emergency services – have been rejected
by banks since 2014.
OAPs and the 3.6 million
workers who are paid in cash,
such as builders, plumbers and
other tradesmen, are also hit
by strict bank rules, excluding
them from online discounts
and also from services such as
direct debits.
The study found six in 10 customers
feel High Street banks do not care about
low-paid workers, highlighting the growing
number of consumers not served by
traditional high street outlets.
The research also found up to 12 per
cent of adults had been turned down for
services including current accounts, debit
cards, and online banking in the past 24
months. It means they are excluded from
money-saving tools such as online shopping
or direct debits, forcing them to use more
expensive ways to pay household bills.
Of those surveyed, more than
four in ten believe that they were
rejected for banking facilities
because of their poor credit
record, and a similar amount
said it was because of their
low income.
Research reveals people refused current accounts
Six million Britons have been
refused an account by a big high
street bank in the past two years
@quidsinmagazine
BANKSSAY‘NO’TO6MILLION
An iPad Air
Page 8
WIN!
“He Who Dares”
‘PearlsofWisdom’from
DelBoyhimself
In this issue…
An iPad AirWIN!
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3. BUZZ
HOW TO MAKE MONEY
Ben Saunders issues some sound
advice for teenagers wanting money
qimag.uk/summer2016video
Video of the issue
FAIR FOR YOU
Ethical loans to buy fridges, beds etc,
and they get a near 100% rating from
their customers! @fairforyou
What a tweet!
Thelatestnews
affectingyouand
yourfinances
BUZZ
Quidsin! | 3
2.5MPeople the Resolution
Foundation say will be worse
off under Universal Credit
£3,000What some of the worst
off could lose every year
450,000Number of people to have
made a claim already
9,500Number of new claims
being made every week
UC is a big change, with winners
and losers – are you ready for it?
NUMBER
CRUNCHED
UNIVERSAL
CREDIT(UC)
THRIFTY TIPS
When you buy a new duvet, if your old one
is good condition, don’t throw it away.You
could use it as a cosy mattress protector
instead. It adds a layer of softness to
your bed and it won’t cost you a penny!
I recently bought new pillows, and
found the material in my old pillows ideal
to pad out my sagging sofa cushions. I
also used this material to re-cover the
seating pads on our dining room chairs.
Sharon Boothroyd,WestYorkshire
Haveyougotsomethingyouwanttotell
us,oramoney-savinghintortiptoshare?
Eachissuewe’llsend£50toourbest
letterwriter,emailerortweeter!Don’t
forgettoincludeyournameandaddress.
EMAIL editor@quidsinmagazine.com
TWEET @quidsinmagazine.com
POST TheEditor,QuidsIn!
3MonmouthPlace,BathBA12AT
WIN
£50
Over a million people are missing out on
an average of £50 a week in tax credits,
mostly people who are working in low wage
jobs and don’t have children, according to
benefit experts ‘entitledto’.
Universal Credit (UC) is now being rolled
out across the UK and once it’s in your area
you will no longer be able to apply for tax
credits.To make sure you don’t lose out you
need to check if you are eligible and claim
tax credits now, before it’s too late.
If you claim tax credits in time, it not
only increases your income now – it could
also mean you will get the extra money
for years to come.The government has
promised no-one will be worse off on UC.
It only takes a few minutes to check
using the calculator at www.takeup.
entitledto.co.uk and you could claim
£1,000s of pounds.
Benefits experts claim one million people missing out
Get tax credits now, and the money
shouldbeguaranteedwhenyouswitch
to Universal Credit @quidsinmagazine
CANYOUGETTAXCREDITS?
JOINTHECONVERSATION…
SPOTTEDOUR
QIMAG.UKLINKS?
You can follow up what you read in
Quids in! on the net. Simply type the
qimag.uk/link into the web address
bar on your browser and press 'enter'.
Check out our latest country playlist at
qimag.uk/qicountry16
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4. 4 | Quidsin!
Quids in! editor Jeff Mitchell believes there are seven things
employers secretly look for that separate people who are right
for a job from the rest. In a new book, he reveals them
“
B
eing unemployed was awful.
You feel worthless and not
quite a member of society but
I also remember how nervous I
felt about going back to work.
You get in a rut and rely on benefits, and
fear not being able to pay your bills.”
Denise first attended the 7 Signs
course run by Clean Slate Training &
Employment in July 2014. It is a project
set up by Jeff Mitchell in 2006, two years
before he launched Quids in! magazine.
Denise recalls how she felt the first day of
her course.
“I had lost confidence in my abilities
but I knew deep down that I did have
something to offer. I felt pressure to set
a good example for my daughter, but the
Jobcentre sent me in directions I didn’t
want to go. Do I look like I could erect steel
shelves in a warehouse? I couldn’t. Bad
advice destroys your dignity.”
SIGNS FOR THE TIMES
A new book written by Jeff will appear
this summer to help jobseekers think
differently about job hunting. Called I’m
Ready – the 7 signs that show you’re
right for the job!, it draws on 20 years’
experience with unemployed people
who, for various reasons, routinely find
themselves on the ‘no’ list when applying
for jobs.
“The way many firms recruit is rubbish.
SWITCHINGONTHE
‘FOR HIRE’SIGNS
P n
S s
M
at
n
at P о
V n
!
P о
!
P n
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at
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5. CASEFILE
Name: Issy W
Previous job: 13 years at NHS
Background: Mother of
four. Left work due to poor
management support for
childcare, leading to stress.
Later diagnosed with
depression.
During the 7 Signs training we looked
at skills and I was surprised how much
I have to offer. I never thought of the
skills I use in everyday life and how
they can be transferred to other jobs.
This made me feel more confident and
keen to start matching my skills to
opportunities out there.
I realised I’m passionate about
meeting new people and listening.
When I interact with them I become
energised. I love helping people.
I‘ve started to see possibilities
and have begun to prepare to
overcome emotional barriers
stopping me. I have chosen to work
a few hours a week and will be
building up as I feel stronger, working
somewhere I can take a week off if I
need to. There are companies who are
flexible and value their people and
their mental wellbeing. I will be very
careful to make sure I choose a great
employer in future.
Quidsin! | 5
They think their processes
create equal opportunities
but they don’t. It’s only a
level playing field for people
who have been working and
whose lives have always been
straightforward,” explains Jeff.
“I think there’s a different
way. When you know what to
look for, you can see which
jobseekers really want your
job and those who don’t. Now
I want to help job hunters
switch on those seven signs
showing they’d make a great
addition to a team.”
PEER PRESSURE
The book is based on a short training
programme designed by Clean Slate.
There are no teachers, just workers
to help jobseekers discuss amongst
themselves what employers really want.
When Denise took the course, it was run
over just two days:
“The 7 Signs training made me think
about what I did have to offer. I recognised
skills that I had taken for granted or
just didn’t believe were of value. It also
enabled me to focus and by the end I had a
clearer view of what I wanted to do.
“I found the confidence to believe in
myself once again and felt more positive
about presenting myself to employers. I
felt very motivated.”
Within a month, Clean Slate had
recruited Denise as a peer support worker,
giving Denise the opportunity to prove
herself.
“Moving quickly into paid work was
fantastic as it reinforced to me what
the trainer had said. Although I thought
I was capable, here I was doing it. Being
employed gave me a real sense of
achievement.” Denise later started running
the course herself.
STEPPING UP
The launch of I’m Ready… runs alongside
a new London-based project that aims
to help low paid workers increase their
income and improve their lives, and their
families’ wellbeing. In September, Denise
applied for the coordinator role with Step
Up, the Upwardly Mobile Network, working
for Thames Reach in partnership with
Clean Slate.
“I was so excited when I was offered
the job. Working more hours and getting
a decent wage is very satisfying. I see
prospects for the future now, and my
daughter’s face when I told her we might
be able to have a holiday this year said it
all. Other members of Step Up are on the
same journey as me. We all want to better
our lives.”
Anyone in London on low pay and part-
time hours can sign up with the Step Up at
www.stepup.london. Members receive text
alerts about relevant jobs and training,
one-to-one support and access to events
“DoIlooklikeIcould
erectsteelshelves
inawarehouse?
Badadvicedestroys
yourdignity.”
EMPLOYMENT
Denise (right) draws on her own experienceto help people seeking better paid work
WINI’MREADY
We have 10 copies of I’m Ready…, to give
away. Just visit www.quidsinmagazine.com/
seven-signs and register your interest. 10
lucky readers will get a free copy of the book!
I’MREADY
I’m Ready…, to give
away. Just visit www.quidsinmagazine.com/
with training and access
to employers.
LOOKING FORWARD
“When I meet jobseekers
or Step Up members,
I see the person they
could become,” says Jeff.
“I’ve worked with people
with a very chequered
past and there’s nothing
to be gained by looking
backwards. By focusing on
some clear vision about
life as it could be, many
see beyond the barriers.
It’s totally inspiring and
I’ve tried to capture that in the book,
which also tells the story of some of the
characters I’ve met along the way.”SAMPLE
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6. 6 | Quidsin!
Only Fool’s And Horses’ Del Boy has a
new paperback out, full of his ‘wisdom’.
Here are a few choice nuggets…
SHOW EXAMPLES OF YOUR WORK
Many years ago Del and his friend Denzil
branched out into carpet laying when they
managed to get hold of “a load of top-
quality, hundred per cent natural, nylon
carpet.” And they made a smart move: “We
did [my mum’s house] first, so it could act
as a showroom for our skills,” says Delboy.
And they sold the whole lot, although, “fair
dos, the static was a bit of a ’mare, but it
gave your hair plenty of body.”
ALWAYS MEET EXPECTATIONS
With Christmas approaching, Del hatched
a scheme to create a Santa’s grotto in
a shed on the allotment, employing his
grandad as Father Christmas. But the
mums and kids that turned up weren’t
impressed; they were “expecting a snow-
covered meadow with a jolly, rosy-cheeked
Saint Nick … and ended up with a flooded
allotment and some half-cut old geezer
coughing his guts up in a shed.”
WORK OUTWHAT REALLY WENTWRONG
Del and his friend Jumbo set up a fish
stall outside their local, the Nag’s Head,
called Eels on Wheels: “It turned out
to be a bit of an earner … we used to
knock out all sorts, home-made fish
fingers, jellied eels, cockles, all the sort
of slimy, wriggling stuff a bloke
wants after a few pints.” Del
thinks what went wrong
was “television started to
personalise fish” – with
TV characters such as
Flipper and Squiddly
Diddly. “People
started feeling guilty
about tucking into anything
with fins.” While this may
have been a factor, Del
tellingly admits: “the
health inspector’s report
didn’t help…”
CHECK THE MERCHANDISE
In 1977, hotpants were all the rage, and
maybe Del wasn’t best placed to enter
this market. Having invested in 150 pairs
he found they were XXXL. Not quite the
figure-hugging hot-fashion item he was
hoping for. Ever resourceful, he got Mrs
Murphy from the estate to “make some
adjustments … then tried to flog ’em as
beach towels. That didn’t work either.”
GET YOUR ADVERTISING RIGHT
Derek got his Great uncle Albert’s
girlfriend Elsie to hold a séance in the pub.
The problem was, his promotion of the
séance wasn’t the best. “A load of heavy-
metallers had crammed into the Nag’s
Head … expecting to see an Iron Maiden-
type mob. Then Elsie Partridge walked
out in her hat. She remained in a trance
throughout the riot.
MATCH THE SKILLS TO THE JOB
Music promotion was something Del Boy
tried quite regularly, never quite nailing
it. When he set up his fiancée Raquel with
a new singing partner at the Starlight
Rooms, Del was dazzled by his image
(Tony Angelino, the Singing Dustman). It
turns out Tony couldn’t pronounce his Rs,
which only became apparent during the
mini-set of ‘Crying’, ‘Please Release Me’,
‘Congratulations’ and ‘The Green, Green
Grass of Home’.
INTHEKNOW
“THIS TIME NEXT
YEAR WE’LL BE
MILLIONAIRES.”Quids in! says… Setting a goalis a really good thing, but bestmake sure it’s realistic
“HE WHO DARES WINS!”Quids in! says… We can all learnfrom Del’s positive mental attitude
DEL BOYDEL BOY
★ ★ ★
“THERE’S NO POINT IN
RUNNING AWAY. RUNNING
AWAY ONLY WEARS
OUT YOUR SHOES.”
Quids in! says… There are lots
of challenges in life, and hiding
from them can make them worse
BUY DEL’SBOOK
You can get hold of a copy of Del’s book for
a discount by shopping on Amazon. Use our
link qimag.uk/delboybook and get it for a lot
less then the RRP. When we went to press the
£20 hardback was being sold for just £5.99
including delivery... Lovely Jubbly!
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7. Visit www.qimag.uk/qiswitch
orcallFreephone 08081788170
See www.qimag.uk/EnergySwitch for advice on switching
Ahhhh, lie-ins. What’s cosier than an extra 20 minutes in the
morning? Or a lovely hot bath?
But what if that time was worth money? Giving up that
me time just once could save enough to heat the water for a
bath a day for a year. Not so relaxing now, is it?
Once you have the details to hand, it takes five minutes
to see how much you could save.
Quidsin!switchdoes not ask for your contact details
before showing you results.
✔ Name of your current supplier(s)
✔ Name of the type of tariff(s) you have (eg, Standard)
✔ How much you use (kWh) per year or how much youpay per month or year
HOW EASY IS IT TO
LOSE £180? VERY.
JUST DO NOTHING.
All you need:
Quidsin!switch
Switch your gas and electricity
The alternative loan that cares for you and your home
SHOP NOW at www.fairforyou.co.uk
THE ALTERNATIVE TO HIGH-COST WEEKLY PAYMENT STORES •
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Shop for the best prices using our virtual high street
Save over £500* on this item
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Fair For You is the new alternative to high cost weekly
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FREE DELIVERY is also included.
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correct at time of edit on 29th April 2016.Offer ends 31st May 2016 while stocks last. Terms and Conditions apply. Finance subject to status.
Applicants must be 18 or over and resident in the UK. Credit provided by Fair For You Enterprise CIC, Delta View, 2309-2311 Coventry Road,
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C
O
M
IN
G
SO
O
N
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8. THE QUIDS IN!
SIMPLE COOKING COURSE
Odds & Ends
The page that has all the bits that don’t fit anywhere else!
Heartyandsatisfying,thischeap
andeasyone-potdinnerwillkeepa
wholefamilyquiet.
INGREDIENTS
•Tablespoonofoil
•Packofsausages
•Twocarrots,chopped
•Onion,chopped
•Tinofbeans,anykindyoulike
•Tinofchoppedtomatoes
•Stockcube
•Herbs
•Dashofvinegar
METHOD
1.Inalargesaucepan,heattheoil
andthenpopinthesausagesand
cookoveramediumheatuntilthey
starttobrown.Addthecarrotsand
onions,andcookuntiltheysoften.
2.Addthebeans(andtheliquid
they’rein)andtomatoes,andabout
anothercanfullofwater.
3.Addthestockcube,asprinkleof
driedherbsandadashofvinegar.
Leaveonalowheatfor20minutes
withthelidon.Ifyoursauceisstill
toorunnyafterthattime,letitcarry
oncookingwiththelidoffuntil it
reducestoyourliking.To serve,
sprinkleoversomechoppedherbs
andaddtomashedpotato,rice,or
justbighunksofbreadto mopup
thedeliciousjuices.
Visitwww.quidsinmagazine.com
formorerecipesandcookingideas
6.SausageCasserole SERVES
4+
COSTS
£2
Youcould win an Apple iPadAIRWI-FI16GBwith
a 9.7-inchRetina display
Win an iPad AirWin an iPad Air
PRIZECROSSWORD
Enteronlineatqimag.uk/
crosswordorsimplycomplete
thecrossword and pop itintheposttous.Don’t
forget toinclude yournameandaddress.Send
yourcompleted crosswordtoiPadAir,Quids
in!, 3MonmouthPlace,BathBA12AT.Oryoucan
enterbytaking a pic of yourcompletedcrossword
andsending it toeditor@quidsinmagazine.
com. Closing Date 31st August2016.Seewww.
quidsinmagazine.com fortermsandconditions.
HOWTOENTER
LOAN SHARKS
The National Illegal Money
Lending Team tackles
loan sharks. To report a
loan shark anonymously
you can call them 365
days a year on ✆ 0300
555 2222, text LOAN
SHARK and your details
to 60003 or email them
at reportaloanshark@
stoploansharks.gov.uk.
In Wales call ✆ 0300 123
3311or send an email to
imlu@cardiff.gov.uk
CREDIT UNIONS
Credit unions are not-for-
profit organisations that
provide bank accounts,
loans and savings. They
may help people the banks
won’t. To find your local
credit union call ✆ 0161
832 3694 or visit www.
findyourcreditunion.co.uk.
BENEFITS
• For unemployment and
work-related benefits talk
to Jobcentre Plus.
• People with disabilities or
carers should contact the
Disability Benefits Centre
(✆ 0345 605 6055) and
for Child Benefit and tax
credits call Inland Revenue
(✆ 0845 300 3900).
• Council Tax and Housing
Benefit is dealt with by
your local council.
• Pensioners should call
the Pensions Service
(✆ 0800 99 12340).
• Free benefits calculator
www.entitledto.co.uk
DEBT ADVICE
For free debt advice and
help, contact any of the
organisations below.
• National Debtline
✆ 0808 808 4000 www.
nationaldebtline.co.uk
• StepChange Debt Charity
✆ 0800 138 1111
www.stepchange.org
• Citizens Advice
www.citizensadvice.org.
uk. In Wales call ✆ 08444
77 20 20 England call
✆ 08444 111 444
• Christians Against
Poverty (CAP)
www.capuk.org.
✆ 01274 760720
✆QUIDS IN! USEFUL NUMBERS
1 2 3 4 5
6 7 8
9 10 11
12
13 14
15
16 17 18
19
ACROSS
1 They rescue swimmers (10)
6 Keyboard instrument (5)
7 Drinking tube (5)
9 Helmets, breastplates etc (6)
11 Couple (4)
13 Lazy or at rest (4)
14 Pedal used when changing
gear (6)
16 Soil (5)
17 Sphere – especially one with
a map on it (5)
19 Woodworkers (10)
DOWN
1 Double; dead-ringer (4-5)
2 Thick mist (3)
3 Very clever person (6)
4 As well (4)
5 Asleep or inactive (7)
8 Of no value (9)
10 Disease transmitted by
mosquitoes (7)
12 Motto used in advertising (6)
15 Bloke (4)
18 What the ‘O’ stands for in
IOU (3)
8 | Quidsin!
Youcould win an Apple iPadAIRWI-FI16GBwith
PRIZECROSSWORD
qimag.uk/
orsimplycomplete
thecrossword and pop itintheposttous.Don’t
forgettoinclude yournameandaddress.Send
iPadAir,Quids
.Oryoucan
enterbytaking a pic of yourcompletedcrossword
editor@quidsinmagazine.
. Closing Date 31st August2016.Seewww.
quidsinmagazine.com fortermsandconditions.
1 2 3 4
6
9 1
13
16
19
14 Pedal used when changing
gear (6)
16 Soil (5)
DOWN
1 Double; dead-ringer (4-5)
2 Thick mist (3)
3 Very clever person (6)
WIN!SAMPLE
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