Would you like help to manage your money better?
Is Money a Worry for You?
Money worries can affect everyone at some point in their lives when circumstances change; such as ill health, family job loss, disability, caring responsibilities, relationship breakdown or bereavement.
Money worries can harm both your physical and mental health, and NHSGGC provides financial support services for its patient population. These services are also available for staff.
Help and Support
If you are worried about how COVID-19 might affect you financially, then the Money Advice Service website can help. You'll find information about Coronavirus and your finances, your rights to sick pay, and changes to claiming your benefits. Visit:
For all other COVID-19 information and guidance:
The Support and Information Services (SIS) are available for NHS GGC staff, patients, carers and visitors. They offer a wide range of support and have links to other community based advice organisations, including those for money advice and resolving debt. There is a Support and Information Service in the foyer at Stobhill ACH, New Victoria ACH, Glasgow Royal Infirmary and Queen Elizabeth University Hospital. This makes the SIS the ideal first point of contact for staff needing help and support.
Check their website for locations, opening times and local phone number, or email: [email protected]
If you want to find information and support that is local to where you live on money advice or a range of other health and wellbeing topics, visit the NHSGGC Health and Wellbeing Directory.
For access to savings products and loans, paid directly from your salary the NHS Credit Union is easy to join. It can help you to budget your money or to save for holidays, Christmas or even your professional registration fees.
*February 2020 Update*
A finance company, called Salad Money, has recently been targeting all NHS workers across the UK encouraging them to borrow via Salad Money. They say that NHS workers have nowhere to turn in a crisis and they are helping to prevent workers needing to borrow from predatory lenders.
However, the NHS Credit Union has being helping NHS workers avoid payday lenders and worse for over 21 years.
Salad Money advertise APR’s anywhere from 34.9% - 49.9%.
NHS Credit Unions APR’s range from 3% - 19.6%.
If you want to keep track of your money or plan your budget, there are tools and resources to help you do this.
Tools/calculators on the Money Advice Service website include a Budget calculator, Mortgage calculator and stamp duty calculator. Letter templates can help you to set up, cancel or complain about various money related services.
There are also multimedia clips and interactive timelines on topics including teaching children about money, saving, annuities and having a baby.
Did you know that you can claim tax relief on the cost of laundering your uniform? This includes nursing and allied health professionals and also domestic, catering and portering staff.
You can also claim tax relief on registration fees that you are required to pay to your professional body. It is easy to do and you may also get a backdated sum. To check your eligibility and then apply visit:
If your union is on a list of approved organisations produced by Her Majesty’s Revenue and Customs, you may be able to reclaim the tax back on your subscription costs.
A wide range of services are available to NHSGGC staff.
NHS Staff Benefits offers discounts and special offers on many products and services from holidays and eating out, to gym membership. Log in to find out further details
Qualified advisers can help you find the right mortgage, matching your circumstances and requirements to the right product.
You can arrange an appointment at Glasgow Royal Infirmary by calling 0141 211 5885, or arrange an appointment at Dykebar Hospital on 0141 314 4016.
Through NHS Staff Benefits, staff can access support in planning for their retirement or if they have been affected by recent pension changes.
Some stores offer membership to certain groups of workers, including NHS staff, giving access to discounted goods.
Costco offers discounts on a wide range of products from groceries to tyres.
The Company Shop offers discounts to NHS staff, and also reduces waste by redistributing surplus food and household products from some of the biggest UK retailers.
Universal Credit has recently been introduced across Greater Glasgow and will replace a number of existing benefits including Housing Benefit and Working and Child Tax Credits. This financial support is available for people on a low income or out of work. It’s a monthly payment to help with living costs, and the amount depends on how much is earned in a month.
You do not need to do anything until you hear from the Department of Work & Pensions about moving over to Universal Credit, unless your circumstances change. For further information see https://www.gov.uk/universal-credit
In a change to last year’s Christmas arrangements, all employers have been advised by Her Majesty’s Revenue & Customs that they should be reporting the normal (or contractual) payday as the payment date in December even if payments are made early and this should prevent any impact on Universal Credit.
NHSGGC Payroll has made the necessary arrangements so that staff in receipt of Universal Credit will still receive their pay on the agreed early payment dates.
You need to log in to your account to restart your claim. This should mean just confirming that your details are the same as before.
For Government guidance on different earning patterns and Universal Credit visit: https://www.gov.uk/government/publications/universal-credit-different-earning-patterns-and-your-payments
If you have any problems, speak to your Jobcentre Work Coach or contact the Universal Credit free helpline on 0800 328 5644 (8am to 6pm).
A carer is a person who provides or intends to provide unpaid, practical, physical and emotional support to relatives, friends or neighbours due to physical or mental illness, addiction, frailty or disability. This includes young people and parents. They do not need to live with the person to be their carer.
If this is you, you are not alone. There is help and support available for you and the person you look after. Visit the carer’s support web pages here:
Many unions offer support to their members who are suffering financial hardship. Check with your union for details.