Disclaimer: The views and opinions expressed in this article are those of the author and do not necessarily reflect the views of the Arboricultural Association.

Share this story

Topics

#ARBatwork #ArbMatters #PledgeLessPlastic & 12 Faces of Arb 1987 storm 2 Rope 2018 3ATC 3ATC UK Open 50th annual AA AA award AA Awards Aboricultural Association Accident accreditation advice AFL aftercare AGM Agrilus Biguttatus aid air quality Alert Alex Kirkley All Party Parliamentary Group on Horticulture amenity Amenity Conference Anatomy Ancient Tree Forum Annual Awards APF APF 2020 app APPGHG Appointment apprentice apprenticeship Apprenticeships Approved Approved Contractor Approved Contractors ARB ARB Approved Contractor ARB Approved Contractors ARB at work ARB Magazine ARB Show arb training ArbAC ARBatwork ArbCamp Arbor Day Arboricultural Association Arboriculture arborists Arbsafe Ash Ash Archive ash dieback Asian Hornet Assessments atf ATO Australia Autumn Review award Awards Barcham Trees Bark Beetle Bartlett Bartlett Tree Experts bats beetle beyond ism Bill Matthews biochar biodiversity biomechanical biosecurity Books boundaries branch Branches brand Brexit bs5837 Budgeting Tool bursary business Call for Abrstacts Call for papers Campout Canker stain of plane carbon career Cavanagh CCS Cellular Confinement Systems CEnv CEO Ceratocystis Ceratocystis platani chainsaw chalara charity Charles charter Charter for Trees Chartered Environmentalist chelsea Chelsea Flower Show Claus Mattheck climate climate change climber climbing Cofor Colleges committees competition competiton conference Confor conifers conservation Consultant consultation Contractor Contractors Cornwall Cornwall Branch Coronavirus Coroner Council Countryside Stewardship Course for beginners COVID-19 CPD cross industry news Crown & Canopy Cryphonectria parasitica Cumbria DART Date for your diary deadwood death debate defra Design Devon Director disease diversity document donate dothistroma downloads draft EAC East Anglia ecology Economic Report economy Ecotricity education EFUF Election elections Electricity Elm yellows England England Tree Strategy English Elm environment environmental EPF equipment Europe European Arboricultural Council European Forum on Urban Forestry European Wood Pastures Event exeter Exhibitors Fall from Height Fatal Fatality felling Fellow Fellow Members Fera Field Trip Finance Fine firewood First Aid flood flooding for Forest Research forestry Forestry Commission forests freelancers FSC Fund4Trees funding fundraiser fungal fungi Future Flora Futurebuild gardening GDPR Geocells Gold Medal Gov.uk government grant grants Green Brexit Green Infrastructure Green Infratructure Guarantee guidance Guidance Note 2 guide guides Hazard Tree Health heart-rot hedges Helliwell Help Henry Kuppen History HMRC HOMED Homeworking Honey Brothers honours Horse Chestnut HortAid horticulture horticulturists HortWeek housing HRH HRH Prince Charles HS2 HSE HTA ICF ICoP identification Immigration import industry Industry Code of Practice industry skills Infographic InfraGreen Inspiration Insurance Intermediate Tree Inspection International Urban Forestry Congress International Year of Plant Health Investigating Tree Archaeology Conference Ips typographus Irma irrigation ISA iso i-Tree IUFC Job job opportunity judgement JustGiving Karabiner Kew land-based Landsaping Landscape Institute Landscape Show landscaping Lantra law Leaf Minor Lectures legal legislation Letters Liability licence London longevity LTOA Magazine manifesto maple Mayor of London MBE Melbourne Member Benefit Membership mentor Midlands moth' motion Myerscough NASA National Geographic National Tree Safety Group National Tree Week NATO Netherlands New Year’s Honours News NHS nominations Northern Northumberland Notice notification NTIS NTOA NTOC NTSG Nurseries oak 'oak Oak Processionary Moth Oak-boring Beetle obituary Observatree occupation opm Padua Papua parks parliament Perennial Pests & Diseases Pests and Diseases petition photo Phytophthora planning Planning Law Plant Health planting Pledge Plumpton College policy poll Poster Power PPE Pre-order Preston Twins Prince Charles Prince of Wales processionary Product Recall Professional Members prosecution Protect and Survive protected tree protection Qualifications Quotatis ramorum RC Reg Harris Registered Registered Consultant Registered Consultants Rememberance Day renewal Report Rescue research Research grant Resilience response results retrenchment review RFS rhs RHS Chelsea Flower Show Ride for Research Ride4Research rigging Rodney Helliwell rogue tree surgeons Royal Forestry Society RSFS Safe Working Practice Safety Safety Bulletin Saftey Scotland Scotland Branch Scottish Branch SDG Accord security seminars Share Sheffield Show Sierra Leone Site Guidance skills skills survey SocEnv soil soils South East South West SRT SRWP staff Standards statement Stationary Rope Stationary Rope Technique statutory STIHL strategy student Student Conference Study Trip Sub-contractors survey Sustainable Soils Alliance Sweet Chestnut sweet chestnut blight T Level T Levels Tatarian maple TDAG technical guide Technical Guides Technical Officers Technical Team Technician Members Technology Ted Green tender Thames & Chiltern The Arboricultural Association The Woodland Trust Thinking Arbs Thinking Arbs Day Timbersports Tony Kirkham Tools top-handled chainsaws,Elcoat, TPBE4 TPO Trading Standards trailblazer training transport Tree Tree Champion Tree Council Tree Fayre Tree Health Tree Health Week Tree Inspection tree loss tree management Tree of the year Tree Officer Tree officers Tree Planting Tree Protection tree register tree species Tree Supply Tree Surgeon Tree Surgeons Tree Week Tree Work at Height Tree Workers Zone Treeconomics tree-felling TreeRadar trees trees' Trees & Society Trees, People and the Built Environment trust' trustee Trustees TrustMark Two Rope two-rope UAG Uitlity UK favourite ukas UKWAS urban urban forest Urban Forestry Urban Tree Challenge Fund Urban Tree Cover Urban Tree World Cup urban trees Utility Arboriculture Group UTWC vacancy VETcert veteran trees video Videos volunteer VTA WAC Wales Warning Watering watering solutions Webinar webinars website Western Westonbirt Wharton White Paper WIA Witley Women Women in Arb women in arboriculture woodland Woodland Carbon Code Woodland Carbon Guarantee woodland trust woods Workshops World Environment Day Xylella young young arborists Young People’s Breakfast Event zoo

Perennial release budgeting tool

Author:  Perennial
  12/10/2020
Last Updated:  12/10/2020

Financial confidence and control has never been more important for people in horticulture

www.perennial.org.uk/budgetingtool

Perennial, the charity for people in horticulture, is helping those working in the sector to take control of their finances and combat their money worries in the run up to Christmas with an easy-to-use online budgeting tool.

The charity, which is dedicated to those working in all areas of horticulture, is encouraging everyone, regardless of their financial position, to use the tool to find out how they are using their money and check their financial situation.

Perennial also offers a range of financial support from short-term help towards the cost of food, heating and clothing to those that may go through a period of illness, or families who have experienced a recent bereavement.

Christmas is a time of celebration but for many it brings added financial pressure. According to the Office of National Statistics (ONS) nearly 63% of people (*1) surveyed this year are feeling stressed or anxious about their financial situation.

This can have a significant impact on their emotional and physical wellbeing. In addition, when questioned (*2) 1 in 3 people said that they are unable to save for the year ahead and would also be unable to pay for an unexpected expense of £850. This figure rose for those on lower wages to 41.5% and parents were particularly affected with nearly half unable to pay for an unexpected expense.

Wendy Tozer, Debt Advice Manager at Perennial, comments:

“Most of the people we help require financial help and support of some kind and we know it is a huge contributing factor to stress and other mental health issues. But financial wellbeing is so much more than managing debt and we want everyone working in horticulture to have the confidence to take control of their money.

“Using the budgeting tool is a great first step towards understanding personal finances and achieving a good balance between income and spending. By being money-aware and creating a budget, we hope that those who are struggling financially will then be encouraged to spend wisely this Christmas. The tool also gives lots of tips for increasing income and reducing expenditure, giving people the means to make a change for themselves or find out where to go for further help.”

Perennial’s online budgeting tool is available via the Perennial website and can be used on a desktop computer, tablet or smart phone. It is very easy to use and does not require any technical or financial expertise.

All information provided is completely confidential and will not be shared with anyone else. People can use it anonymously if they wish or they can register to allow them to revisit their budget at any time and see how their planned changes are working.

Speaking about his experience of using the Perennial budgeting tool, one person said:

“I used the Perennial budgeting tool on my phone and it was very easy to use. It has helped me to understand my finances better and encouraged me to contact Perennial for additional help and advice. I’d certainly recommend it to others who might be worrying about money.”

Perennial’s qualified debt advisers are on hand to support individuals with their financial concerns, from better budgeting, talking to creditors, or more complicated issues such as bankruptcy. They also work with individuals to ensure that they are receiving the support they are entitled to from the state. This is vital support as many people have experienced a change in financial situation during 2020. Perennial also offers direct financial help in some circumstances, including help for spouses/partners and dependent children.

In 2020 Perennial continues its push to reach more people than ever before with information about its services including preventing the need for Perennial’s help in the first place.

Julia Hayne, Director of Services at Perennial, says:

“We know that unplanned expenditure remains a challenge for families managing a stretched monthly budget. We can often make a positive change to people’s circumstances and we find that when people seek our help early we can prevent their situation worsening. If you would like help, information or are worried about money please use our online tool and speak to us as soon as possible.”

If you, or someone you know, needs help contact Perennial on 0800 093 8546 or email services@perennial.org.uk For more information visit www.perennial.org.uk/help


Perennial’s Debt Advice Service is authorised and regulated by the Financial Conduct Authority (www.fca.org.uk)

*1. Coronavirus and the social impacts on Great Britain, published by the Office for National Statistics, May 2020

*2. Personal and economic well-being in Great Britain, published by the Office for National Statistics, September 2020

Our friendly and experienced team are here to look after people in horticulture and their families at any stage of life. If you need support please call one of the team on 0800 093 8543 or email services@perennial.org.uk. Our office hours are Monday and Wednesday 10am – 5pm and Tuesday, Thursday and Friday 9am – 5pm.