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Your Own Place

Norwich

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bianca

Improve your money managing arsenal

bianca · 03/12/2023 ·

What are these money workshops?

We’re really proud to be taking our confidential and small group workshops to people in work in Greater Norwich.

From January, we’re delivering 2-hour workshops in Norwich, where Your Own Place’s facilitators will create a confidential and safe environment to discuss money concerns, experiences and tips.

There will be no more than 10 people in the workshop, and it will be a blend of discussion and colourful activities.

Why offer these workshops to people in employment?

According to the Joseph Rowntree Foundation, two thirds of people in poverty live in a household where at least one adult is in work (source below*). We know that the Cost of Living Crisis is making things a lot harder to manage – we also know that talking about it can make it easier. Talking about it can mean you feel less alone, but on top of that, we can learn from each other different strategies to manage.

We’ve surveyed employers first to find out the best times to deliver the workshops.

Why should people come along?

Because they love checking Money Saving Expert’s emails and finding new ways to save

Because they are feeling the pinch with increasing energy bills this winter

Because they would like a comfortable space to discuss money

Whatever the reason, participants will be welcomed and their voice valued. The workshop is a combination of sharing and hearing experiences with money, and participating in colourful activities that add different strategies to your money managing arsenal.

Why homelessness is not a lifestyle choice

bianca · 06/11/2023 ·

At Your Own Place we support all those individuals and charities appealing to the government not to criminalise rough sleeping in tents or the giving out of tents by charities and others.

We acknowledge the issue is complex, as we have seen before and will again at Christmas, in discussions about whether to give cash to a homeless person. To ameliorate their immediate suffering or to feel powerless against a system we cannot change?

The choice of word ‘lifestyle’ captures the Instagram age in which we live, making the notion that anyone could choose to live in a tent in the same way they might choose to live in a ten bedroom mansion, deeply offensive.

That rough sleeping and all types of homelessness have risen in the last decade is ignored in this ambition, making no effort to acknowledge the complex underlying causes. To say nothing of the impossibility of policing a law of this kind.

Who among us when offered the choice between a safe and secure home and a tent on the streets, would choose a tent? No-one. Because the choice had been removed for those hardest hit by our current housing crisis.

We wholly reject the demeaning, heartless, polarising rhetoric and over-simplification of a failed housing system.

Why we need more than just houses, this World Homeless Day

bianca · 10/10/2023 ·

This World Homeless Day, as we at Your Own Place mark our tenth year in existence, we are needed more than ever. You could say we’ve failed. But I don’t think even our harshest critics would blame this appalling state of affairs in housing and the rise in homelessness, on us. 

I support Crisis, The National Housing Federation, the Labour Party and all those campaigning for the building of more homes.

But the problem is more complex and cannot be fixed by simply building more houses. 

We have to be honest, this World Homeless Day, about what this won’t solve now or for those without the dual safety net of cash and connections. People without the bank of mum and dad. People who don’t have a job that allows saving for a deposit. People who feel so locked out of services that have previously stigmatised them that they are no longer accessing help. People who have been in custody for 20 years and no longer understand how the world works. Or have been in prison for just three months and find themselves at the very bottom of every queue going. 

All these groups need more support now and in the future to access a home as well as to keep their home. 

Whether that’s the 140,000 in supported accommodation and the quarter of those that can’t afford to move on. 

Whether it’s the 45,000 care leavers who don’t have a bank of mum and dad. 

Or those same young people that are most likely to move into their own place ten years earlier than the average and have age against them in terms of earnings. With just 6% going on to higher education, they will continue to earn less and be further locked out of housing with the private rented sector also hugely out of reach. All this explains explains why one third will be homeless at some point in their lives. 

What about the 82,000 people in prison? 53% of people sleeping rough have a conviction. Many will also be care experienced, languish in supported housing unable to move on and face stigma and prejudice. Be in no doubt of the real and hard barrier this poses. 

To say nothing of the Cost of Living crisis. You don’t need more data from me. Except to know that nearly half the people visiting food banks are living in social housing. They have a home and it’s supposedly affordable. 

This shows us that the solution is more complex than simply more houses. Part of the solution is to work smarter, more compassionately and preventatively to better support those who still find themselves locked out of a home – even when a million more are built. 

Skills for life, not life-skills

bianca · 18/09/2023 ·

What is the best way to make a difference right now?  If you’re anything like the members of the team at Your Own Place CIC, it can at times feel all but impossible to support people whose budgets simply don’t add up. Citizens Advice tells us that 47% of people they see are in negative budget (i.e. no matter what they do, it doesn’t add up). 85% of social landlords are seeing an increase in rent arrears.

For those of us working with tenants and in communities this takes its toll and I keep saying to the team that we can’t expect to have all the answers.  Should we be taking a preventative or reactive approach?  Should we be signposting or hand holding?  Should landlords be alleviating the worst of rent increases or supporting tenants into work with additional schemes such as apprenticeships?

At Your Own Place it can look like we simply run more of the same financial inclusion interventions that many landlords also provide under the banner of ‘tenancy sustainment teams’, ‘money advice’ or ‘tenancy support’.   We don’t. We do indeed run workshops and 1-2-1 support sessions covering everything from budgeting, debt and benefits, but we also include housing options, roles and responsibilities as well as managing wellbeing and isolation as vital to the bigger picture.  It’s also bespoke, face to face and fun!

Our offer, ten years in the iteration, is proudly not advice or reactive, whilst responding empathically to people in crisis.  We have learnt, working with tenants with ages ranging from 18-92, that people, especially when brought together, have a wealth of knowledge already that benefits from being heard.  We don’t deny that when in crisis people need a crisis service and a particular expert at getting a problem fixed.  

This is not what we do at Your Own Place.  At Your Own Place we stick with targeted prevention and complement the other services.  This means we work with those facing the most risk of losing their tenancy and facilitate groups for the benefit of all (to learn from each other) and ask lots of open questions.  Using a coaching, asset-based, restorative and fun (yes, fun) range of techniques, we find out what has worked for people before, as a means of THEM finding the right solution for THEM.  None of this stops us covering core debt, budgeting, savings or any other content or signposting to another service when advice is needed.  Rather than delivering life skills, for the purposes of solely tenancy sustainment, our approach sees us deliver skills for life that can be utilised across and throughout life’s challenges.

These approaches and their impact on tenant’s lives and livelihoods are what I’ll be talking about at CIH Southwest on 27th September.

Why Move-On Support

bianca · 03/07/2023 ·

Some time ago we started to remove the word ‘independent’ from our brand Tenancy & Independent Living Skills (TILS). In social care and supported housing in particular, there is an obsession with ‘independence’. Whether this is wishful thinking around people no longer being dependent on their services is unclear. That ‘independence’ is neither desirable nor achievable seems clearer.

People find themselves homeless for as many reasons as there are homeless people – a unique set of circumstances led to that moment. What we do know about rough sleeping (the tip of the homelessness iceberg) is that the chances of being homeless are massively increased for those that have been in the care system, in prison, in the military, suffering with mental health needs and/or previously homeless. Poverty, a lack of employment that pays a decent wage combined with unaffordable housing are driving the current wave where over 300,000 by some estimates, are believed to be homeless.

In temporary, supported and transitional accommodation, and ultimately faced with crisis, people can become dependent on other people and services. When something as fundamental as a roof over your head is provided it is easy to see how this happens. In this context it feels natural for the drive to be towards ‘independence’ as a counter to their previous situation and a marker of ‘success’.

During our restorative, asset-based and coaching Move-On 1-2-1 support sessions, ideally following Pre-tenancy group workshops, people have the opportunity to explore the lived realities of living away from their previous supported setting and to put theory into practise. People who have previously lived in supported accommodation, prison, social care settings etc face huge challenges in moving on, navigating services, fighting stigma and prejudice and overcoming whatever barriers led them there in the first place. 25,000 of those leaving supported accommodation will have been previously homeless.

As a group both shut out of affordable housing and more likely to be homeless in the future, it is vital that this Move-On Support is delivered in a way that develops inter-dependence rather than independence. In so doing we reduce reliance on other services, build self-esteem as a means of accessing help, knowledge about the support available and the confidence to Manage Money, a Tenancy and the Cost of Living crisis – to avoid repeat homelessness.

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