Cost of living and the long wet Summer …

24 August 2023

Will it ever stop raining and how is it still a week until payday?

Nearly two years into our grim UK cost of living crisis, a brace of back-to-back 31 day months feels like a killer at the moment!

At least my offspring are older I think, as I lie awake doing the mental gymnastics of stretching my remaining August budget over looming costs and commitments. How on earth do parents with younger children cope? An added pressure must be the school holidays where we are told that families are supposed to be having fun? But in a Summer which has seen the “UK’s sixth wettest July on record”, according to the Met Office, this can feel like a costly and challenging venture. How are other single parents faring as prices continue to rise, existing ‘fixes’ come to an end… and rain continues to fall?

The research shows that they are struggling. With savings pots 20 times smaller than the average, a 2022 article in The Guardian find that “Single-parent families ‘most exposed’ to cost of living crisis in Great Britain.” And the widely quoted report “Single Parents in 2023” from the charity Gingerbread, builds a fuller picture of the impacts of this. It is an upsetting read. I’ll go further; for me, it is a disgraceful reflection on life for too many in a country with one of the largest world economies. Nearly half have cut back on, or gone without, food and meals for themselves. Almost as many made similar sacrifices with heating or electricity.

That said, this report is proactive and makes a number of recommendations on: welfare reform, debt management and employment support. And so I too resolve to draw up some ‘cost of living’ tips to keep myself on track. I look back to the past seven days for inspiration.

Tip#1: Buy fruit and vegetables from your local market

I chance upon this one in my role as ‘hostess with the most-est‘, entertaining several university friends last week. My hunt for fennel, to pep up a vegan paella, brings me to a stall in our huge local market close to closing time. The licorice livener is there but so too is this insane end of day offer, that is also straight into our tote bag:

6 punnets of fruit…” (as in any mixture of, strawberries, raspberries, blue berries, watermelon, peaches etc’ ..” for £2

What a steal! Delicious, healthy, unbelievable value… what’s not to love! I’m certainly making a regular date with my favourite fruitmonger!

Tip#2: Hang onto your NHS dentist!

I’ve messed this one up, alas. Missed too many appointments and was taken off the NHS list and thrown into the financial misery of private practice. This week, I trudge grudgingly off to pay (far too much of) my hard earned money for a simple filling. The NHS cap prices whereas in private land, they cumulate them. The results price differential is significant. So learn from my mistakes readers! Cherish those check-ups and hold onto your place in the world of affordable healthcare.

Tip#3: Manchester museums and galleries.

Aa many visitors come and go for us this week, I find myself on several days out in Manchester. And these sparkle with cultural delights from the large museums to smaller galleries. From LS Lowry’s matchstick men to ‘Julia and Axel‘ and thirty years of such iconic books as ‘The Gruffalo‘, ‘Room on the Broom’ and ‘The Smartest Giant in Town‘. From ‘Unpicking Couture at the art gallery, to retracing Manchester’s proud textile history at MOSI and exploring culture, history and identity at Esea . The extra bonus readers ? It is all completely free!

So, three cheers for the What’s on’ guide, offering a wealth of culture for all on my doorstep!

Well, that’s it for my lessons learned this week. It’s a start I guess, but let’s be honest, only a drop in the ocean. For real change and fairness, we clearly need more fundamental action. Is that Gingerbread’s reforms? Is that a new government? Who knows but of this I am sure …roll on payday!

Have I sold my soul … ?

Wednesday 10 August 2022

“It is £30 for a check-up and we take payment in advance.”

I am momentarily frozen on the other end of the line. I am about to join a private dental practice and the immediate mention of cold, hard cash (well electronically transferred funds) brings home the reality that I am now paying for health care. Have I sold my soul to the devil?

This particular practice actually invited me in, after they met me as an emergency patient a few weeks ago. On this occasion, I had lost a filling and, co-incidentally, discovered to my dismay that I had also lost my place with the NHS dentist. After experimenting with home remedies, a work colleague suggested plugging the gap with chewing gum and I bunged in some gunk from the internet, I eventually resigned myself to taking an appointment with anyone who could help, waved my credit card at the smiling receptionist and left with a very secure (if expensive) new amalgam.

Thereafter, I resolved to find a new NHS practice and ‘re-join the dental system‘. And so when the private practitioners emailed me with an invite to ‘sign on’ to their books, I initially ignored it.

Alas, however, getting back into the national system proved trickier than I thought. Countless calls and google searches confirmed that nobody… but nobody is taking on new patients. And so for a while I just parked the issue and forgot about my teeth. Small boy, unlike me, had not been turfed out of the local practice. If he was okay, in true single parent fashion, I resolved to ‘just muddle on’.

Perhaps,’ I reason, ‘if there are no places and everyone seems happy to accept this, then dental care cannot be that important. Maybe the occasional emergency appointment is the way to go?

On Monday of this week, however the BBC report, ‘Full extent of NHS dentistry shortage revealed by far-reaching BBC research’, reveals, not only that 9 out of 10 NHS practices are not taking on new adult patients but also that this has lead to an alarming rise in ‘DIY dentistry‘. People pulling out their own teeth, restricting their diets to little more than soup and making improvised dentures. When I hear a man on the radio describing how he was forced to extract 2 teeth with pliers …. arghhhh…. I am forced to review my thoughts on dental care and I reluctantly re-read the email from the private practice.

I also review their costs because, let’s be clear, NHS dentistry is not ‘free‘ for adults, indeed free treatment ended in 1951, just three years after the NHS was formed, because it was deemed unaffordable, however the pricing is subsidised and pretty simple with only 3 charge bands.

Band 1: £23.80covers an examination, diagnosis, advice including x-rays, a scale and polish
Band 2: £62.50covers all treatment in band 1 plus additional treatments such as fillings, root canal and extractions
Band 3: £282.80covers all treatment in bands 1 and 2 , plus more complex procedures such as crowns, dentures and bridges
NHS Dental charges

I quickly discover that the private costs are a lot higher, in particular because there is no inclusion of previous costs in their pricing structure, so those bills just accumulate! Nonetheless, as I rattle around the kitchen this morning, I do come across a pair of pliers. It’s surely a sign. I need to spend some money on myself … just this once…

So I make the call and pay the examination fee.

At the end of much prodding and x-raying, I find that I do need a filling. As it is quite pricey, I elect to postpone treatment for a while, at least until my August pay check lands. It has been an expensive month for me with all 3 teens temporarily back at home. Doubtless though, at some point in the Autumn, I shall find the money and add yet more metal to my molars.

But I resent having to wait and I resent having to make health decision based not upon my wellbeing but upon my bank balance. The reasons for the current crisis I do not really fathom but I find incredibly sad. Is this, as the BBC report challenges, ‘The death of NHS Dentistry?’ It is certainly not the vision of national health care free that I hold dear.

For what of those who cannot pay at all? Worrying times …