Christmas On Credit

“Was Santa good to you this year?”. The words every child is asked at Christmas time, the answer to which can only be yes in the eyes of their parents. Who just want to do best by their children by any means necessary and that can sometimes land them in trouble.


Financial trouble, at Christmas time, is always a tough time financially but for some families it can be far tougher and the rest of the new year can also become a struggle too.

In a recent channel 4 documentary, “Christmas on Credit”, these problems are addressed and explains just how difficult the Christmas period can be for Britain’s poorer families. 

It opens with statistics claiming that 11% of British families are still paying off money that they borrowed for Christmas 2012, 93% feel that they are under pressure to spend too much during the festive period and around 15% of British adults plan to take out a loan for this year. 

Perfection is strived for so nonchalantly that the struggle that follows can be very harrowing, but it is kept aside until the new year then the worrying truly begins.

Around seven million people will borrow money this Christmas and four million of that will borrow just so that they can provide their families with a good hearty Christmas dinner. 

For one of the families interviewed in the documentary, the loan taken out for 2012’s Christmas has still not been paid off and are planning on taking out another loan on credit to pay for this year. At a nationwide average of £822, though, does it comes as any surprise that debt will arise for those on benefits who struggle to make it through the week let alone Christmas.

Loans on credit that have been given out last Christmas and have failed to have been paid will result in lower credit scores, meaning that loans this year will be declined. This will mean that this Christmas will be difficult but if you can scrape by then great, but what about next year?

The stigma of the whole idea and pleasantries of Christmas dull down the negative thoughts of the repayments are kept at bay because seeing the smiles on their children's’ faces is worth it.

However all of this being said, what are your thoughts? Do you think that Christmas has been over-hyped and become the source of anxiety amongst many British households? Obviously it is a great festive time that should be full of joy and time with your family, but should it cause so much strain on people? 

If you'd like to find out more about how you can help to raise vital funds for With Kids please click HERE. You can contact us on Facebook or Twitter or call us on 0141 550 5770.

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With Kids Edinburgh Open Day

On Friday 18th October, we had the With Kids Open Day at our Edinburgh office to meet the families in and around Edinburgh.

Thankfully the rain stayed off for most of the day, meaning we could get outside and have fun with lots of different activities!

Here's another HUGE thank you to everyone that helped to make the With Kids Open Day at our brand new Edinburgh Office a huge success.

We had such a great afternoon and look forward to seeing you all again really soon!

Here are some photos from our Open Day in Edinburgh...

To find out more about With Kids Edinburgh, please do not hesitate to contact us either on Facebook, Twitter or you can call us on - 0131 453 6937.

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How With Kids Can Help

At With Kids, we wanted to reinforce the vital importance of the work we do for families in both Glasgow and Edinburgh.

With Kids is based in the East End of Glasgow and in South West Edinburgh which have some of the highest levels of poverty in Scotland and the UK.

Although the facts and figures may seem bleak, not all families will have the same issues. Living in or near an area of high poverty can affect you directly or indirectly through crime, lack of amenities, poor educational facilities etc.

As well as this, the sheer volume of families who may need help means that sometimes children and families might not get the support they need; a parent struggling with a child with a learning difficulty or emotional issue might not know where to turn, a parent who's a former addict may be afraid to ask for help in case social services intervene.

How We Can Help You

All families, regardless of background find that they have difficulties from time to time and too often parent's may not be aware of available support or the best action to take. With Kids aims to fill that gap and to provide flexible support that is suited to the needs of children and parents.

Breaking Down the Facts and Figures

In some postcode areas in the east end of Glasgow, 60% of children live in workless households, almost 50% of adults of working age are on incapacity benefit and life expectancy can be as low as 54. - Glasgow Herald.

Over 90,000 children in Scotland live in severe poverty - of these:

• 72% of children parents’ are not in work
• 66% of children are in families claiming income support, job seekers allowance and incapacity benefit,
• 45% of mother’s of children have no educational qualification,
• 1 in 2 children live in single parent families,
• 10% of children are from an ethnic minority, compared to 2.6% not in poverty,
• 41% of children live in families with a disabled adult, compared to 17% of children not in poverty. - Living Below the Radar:Measuring Severe Child Poverty in the UK - Save the Children

Poorer children are five times more likely to regularly miss school. - BBC News

To find out how we can help you, give us a call on 0141 550 5770 or you can contact us on Facebook and Twitter.

The actual cost of running With Kids is some £320,000 per year. That means we must raise around £27,000 each month just to keep the doors open. 

If you'd like to make a donation to With Kids you can do so HERE. 

If you have found this post of interest then please feel free to share it with your online community via the share buttons below. Thank you.