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The Royal College of Nursing is using the results of its latest employment survey to pressurise the Government to increase pay for NHS workers. The poll found 6% of nurses have been forced to take out a high interest rate loan in the last year to meet their daily bills and day-to-day living expenses.

Meanwhile, one in four has borrowed money from friends, family or their bank, 23% have taken on an additional paid job and half did overtime to cover their bills and expenses, according to the survey of 7,720 nurses from across the UK.

Two in five of the nurses questioned said they have lost sleep over money worries.

Over the last year, 56% said they have been forced to cut back on food and travel costs, one in five struggled to pay gas and electricity bills, 11% had been late on rent or mortgage payments and 2.3% said they had used charities or food banks.

The RCN also found that 37% are currently seeking a new job, an increase from 24% 10 years ago.

Of these, more than half said they are looking for roles outside of the NHS, with 14% saying they were seeking jobs abroad.

Teresa Budrey, director of the RCN in the East of England, said: “There are nurses who have to use food banks to keep going, there are nurses that have second jobs, and many of them will do bank work so they will do extra hours for their employer under a nurse bank agreement.

“Equally there are some who do a second job away from nursing to enable them to have a break to recover their resilience to go back into the challenges of the nursing world.”

It was reported in this newspaper in July that there is a 10% shortfall in the number of nurses employed by the NHS in Suffolk, forcing health providers to rely on more expensive agency staff.

Meanwhile, Ipswich Hospital is taking trips to the Philippines in an attempt to recruit more nurses.

Sara Gorton, head of health at the union Unison said: “NHS employees as a whole are struggling to survive on just their basic pay. Cleaners, porters, paramedics, midwives, administrators and healthcare assistants have all gone without a proper pay rise for far too long.”

We are very proud to collaborate with Cavell Nurses Trust in a fundraising campaign to raise both money but most importantly urgency and awareness to tackling this national issue.  Cavell Nurses’ Trust is a very active charity that provides help and financial support to UK nurses, midwives and healthcare assistants who are suffering hardship. Together with supporters like you, we can make a difference.

There are more than one million people in the traditional care system. They live full-time in care homes and nursing homes. Some pay for their care, others receive help from their local authority. But there are other options to these more traditional forms of care.

Moving in with a carer

In recent years, councils have become increasingly involved in shared-lives schemes – paying individuals to provide care, including personal care, in their own home. Providers are regulated and used to provide short breaks for family carers as well as full-time arrangements. More than 13,000 people benefit from shared lives, including those with learning disabilities and mental health problems as well as older people. Of the 150 schemes in the country, two-thirds are run by councils, with the rest provided by the voluntary sector.

Home share and befriending

The price of property has prompted growing interest in home-share arrangements – someone who can provide help moving in with an older person who has space free in their house. The carer provides only basic support such as shopping, cleaning or gardening, not personal care, in return for accommodation that is free or for a small rent. There are now about 20 home-share schemes in the UK, helping several hundred older people.

Another popular idea in a similar vein – older people are linked up, usually by a charity, with a volunteer who provides companionship and some low-level support, such as shopping and trips out.

Home Care or Care at Home

Living independently at home is something most of us would like to do for as long as possible. When that time comes to make the decision to ask for extra support to continue to live independently as much as possible, our home care services are tailored for exactly that. Home care  can be arranged on an hourly, daily, weekly basis or a much longer plan to suit your needs.

Home care supports activities of daily living . At home care services allow adults to receive day-to-day help with the personal care they need, preserving their dignity and maintaining a good quality of life. Assistance with activities of daily living can include bathing, grooming, and medication reminders

Costs aside, one-to-one home care offers a number of substantial benefits over residential nursing home care, both for the care recipient and for their family. One-to-one home care provides innumerable benefits, including: The maintenance of your independence and freedom to live life as you choose.

Retirement villages

Unlike in a care home, retirement-village residents usually buy an apartment on the site, although in some schemes they can part-buy or even rent the property. Residents bring their own furniture, decorate as they wish, and are free to have friends and family come to stay. Most villages allow pets to come too. They can also pay for care and support services, which are on-site, as and when they need them.

The properties have been designed to keep the individual living independently as long as possible and so can be kitted out with alarms, fall sensors and easily accessible showers. Such complexes are popular in Australia, New Zealand and South Africa, but have yet to completely take off in the UK. There are fewer than 30,000 units in the UK – Australia has six times more – with the highest concentration in the affluent South East.

Sheltered housing

There are many different types of sheltered-housing schemes. Some will have a warden, living on or off the premises, and all provide 24-hour emergency help through an alarm system. Rented accommodation is usually self-contained, but there are often communal areas, such as the lounge, laundry room and garden.

Many schemes run social events for residents. For those needing more support, extra-care sheltered housing may be available where residents can have personal care and meals provided. Most schemes are run by councils or housing associations, and there are often waiting lists for places.

Adapt your home

Equipment can be provided by councils or brought privately to make it easier for older people to live in their house for longer.Traditional aids such as stair lifts and grab rails are still popular, but technology has opened up a whole host of other options, from flood detectors to sensors that raise the alarm when the individual does not move around their property normally.

Councils and the NHS are also investing in ” telehealth ” and ” telecare ” technology, including devices to remind people to take medication and ways for carers and health staff to remotely monitor things such as blood pressure.

Relying on family and friends

By far the most popular option is family and friends. An estimated 1.5 million older people rely on them for their care needs.The care provided can be pretty substantial. A third of carers provide more than 100 hours a week of care, with many of the carers older people themselves. Sometimes this is supplemented by formal help from councils, but surveys suggest that is decreasing.

However, the pressure is having an impact on the health and wellbeing of those providing the care. Six in 10 older carers who provide 50 or more hours of care a week say their health is not good.

If you wish to learn more about how we can support you, please contact us and let one of our advisers come to see you and your family for a more detailed plan on how we can support you.