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Welsh families risk ‘nasty hangover’ of Christmas debt

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screen-shot-2017-01-05-at-16-32-58MORE than four in 10 families in Wales (43%) plan to borrow money to cover the costs of Christmas this year, a survey by The Children’s Society has revealed.

The survey, which also found that – in England and Wales – one in 10 families borrowed over £500 for last year’s festivities, raises concerns about the number of families with children who may find themselves at risk of falling into a debt trap by New Year’s Day.

The costs of Christmas presents, food, drink, decorations, travel and other related activities see families spending an average of £700, according to the Opinium survey of 2,000 adults.

On average, parents spend £340 on presents alone, with one in five spending over £500 on gifts. To fund all these costs, almost on e in five (17%) will borrow on their credit cards this Christmas.

The challenges are even more sobering for families who have already found themselves in problem debt this year – more than half of them (54%) are planning to borrow more to cover the cost of Christmas, with almost a quarter counting on their credit card.

For families who are struggling, borrowing can have a number of unintended consequences. In the worst cases, where credit repayments take up a larger proportion of income, parents can find themselves in a debt trap from which it can be hard to escape.

The risk is that parents with children may find themselves cutting back on essentials to meet debt repayments. The survey shows that over half of families in problem debt in the last year cut down on their heating in the weeks after Christmas in an attempt to rebalance their finances after the festive period.

Problem debt can damage children’s physical and mental health. In September, The Children’s Society revealed that children in living in families with problem debt are five times more likely to have low well-being than those that are not.

Matthew Reed, Chief Executive at The Children’s Society, said: “All parents – particularly those who are struggling – need to be aware how difficult it can be to shake off Christmas debt. No-one wants children to miss out on the fun and excitement of Christmas, but neither would anyone wish parents to wake up on New Year’s Day with a nasty hangover of debt.

“We know the damage problem debt can cause to children, who often pay the price with their mental and physical health, and that’s why we’re calling on government to give families the time and space they need to get their finances back on track.”

The Children’s Society, as part of its Debt Trap campaign, is calling for better support for families with children who fall behind on bills and repayments. It is urging the government to introduce a 12-month ‘breathing space’ scheme to give struggling parents a period of protection to put their finances in order and get back on their feet.

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New Quay RNLI lifeboat crew trains with lifeguards

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NEW QUAY lifeboat station hosted a special training evening with the lifeboat crew and Ceredigion’s RNLI lifeguards last week.

Pete Yates, one of New Quay RNLI’s inshore lifeboat helms, worked closely with Ceredigion lifeguard supervisor, Tirion Dowsett, to plan scenarios for the teams to practice working together in casualty care situations.

A large scale scenario included four casualties to be dealt with by the inshore lifeboat crew and two lifeguard teams on a nearby beach, whilst a third lifeguard team and lifeboat crew members dealt with a separate scenario at the lifeboat station.

Pete said: “It was a great evening of training. We had 9 lifeguards and 13 lifeboat crew in attendance.

“The main scenario included casualties suffering from hypothermia and propeller injuries. A second scenario involved a mechanic suffering head injuries in the forepeak of the all-weather lifeboat and requiring extraction on a stretcher.

“On completion of these scenarios we all gathered back at the station where one of our senior crew members sprung a great act at being a diabetic having a hypo, and being suitably angry and aggressive.”

Roger Couch, New Quay RNLI’s Lifeboat Operations Manager, added: “It was great for our lifeboat crew members to work with the lifeguards as it builds a deeper understanding of each other’s roles and encourages teamwork between us. This is of great benefit when dealing with real life casualty care situations.”

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Coastguard rescues dog stuck on cliffs

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LAST TUESDAY (Aug 27), New Quay RNLI’s inshore D-class lifeboat, Audrey LJ, was tasked by Milford Haven Coastguard to assist the Coastguard with a dog stuck on the cliffs near New Quay.

The volunteer crew launched the inshore lifeboat at 1.50pm with four crew members on board and made their way south down the coast.

Brett Stones, New Quay RNLI’s helm said: “We located the dog on the cliffs by Castell Bach, near Cwmtydu. We stood by while the Coastguard team caught the animal. The dog was unharmed and safe with the Coastguard so we were stood down.

“However, while returning to station we were then tasked to a small vessel with engine failure. We towed the stricken boat with three people on board back to New Quay. We rehoused the inshore lifeboat and it was ready for service by 2.40pm.”

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New maintenance Lorries cut carbon emissions

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The Ground Maintenance Team has purchased three new lorries to support ground maintenance services in Ceredigion.

The new lorries will move Ceredigion County Council’s Ground Maintenance Service’s equipment to and from the grounds that they look after. The lorries will also take cut grass away for composting. This provides the most efficient way of maintaining the areas that the team is responsible for.

Councillor Dafydd Edwards is the Cabinet member responsible for Highways and Environmental Services together with Housing. He said: “The new vehicles replace ones which had provided excellent service for almost 20 years. They are fitted with Euro 6 engines which are considerably more efficient and better for the environment.”

The Grounds Maintenance Team is also incrementally introducing electric-powered mowers, blowers, hedge cutters and strimmers into its fleet. This equipment is better for the environment, is easier to use and causes less noise and vibration.

The new lorries support Ceredigion County Council’s commitment to be a net-zero carbon council by 2030.

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