Understanding your gas and electricity bill

Understanding your gas and electricity bill

If you find reading and understanding your energy bill confusing, you’re not alone.

Deciphering the mixture of terms and jargon, reference numbers, and tariff information can be like trying to comprehend a completely different language. However, understanding your bill is an important first step in taking control of your energy use and saving yourself money. Luckily, most bills follow a similar format and this simple guide from the National Energy Foundation should help you on your way to becoming a master at decoding your energy bills. 

1) This is the date your bill was issued 

2) Sometimes known as your ‘account number’, you’ll need to quote this whenever you are in contact with your supplier

3) The Bill Summary section will always show you the period you are being charged for, the date and amount of your last bill, and your current balance (how much you owe or are in credit)

4) Next, the section will show you the breakdown of this bill for both fuels. The Standing Charge covers the fixed costs of providing your home with gas and will vary slightly between suppliers. VAT should always be charged at the domestic rate of 5%. 

5) This shows the date you must pay the bill by

6) Sometimes referred to as your MPRN, every property connected to Mains Gas has one and it is unique for your household

7) Your bill will always include the name of the tariff you are on, if you’re on a fixed rate this will often include the final month of the tariff. 

8) Your bill will highlight the following information: your current payment method; the end date of your tariff; any exit fees you will occur if you decide to leave the plan early; your annual usage and any fees or discounts you receive.

9) There will be a detailed breakdown of the cost of your bill. Note that the current reading is estimated, when you receive a bill you should check your meter to make sure this is close to what the actual meter shows, if it is a lot lower, you are likely to have a bigger bill than normal next time. 

10) If you’ve been with your supplier for over a year, most bills now show you a graph comparing your energy use for this billing period to the same period last year. If your use is substantially higher during this period, you might want to assess why that’s the case and if there are any measures you can implement to lower your energy use. 

11) These explain how your supplier converts a volume of gas into kilowatt-hours before they charge you for use. Your Tariff Comparison Rate (TCR) considers factors a regular kWh rate doesn’t, including standing charges and discounts. 

12) You do not actually pay this per unit but it can be used as a comparison tool when comparing tariffs, as it will boil down the costs of a tariff into one p/kWh figure.

As you can see, the page detailing your electricity tariff will be largely similar to the gas page above so we’re only going to point out a few differences and important things not to miss on your bill.

13) Electricity is charged at a higher rate than gas, so it’s likely that the majority of the cost of your energy bill will come from electricity charges. It’s also therefore the best area to tackle when you want to lower your bills. 

14) Energy suppliers now have to show you whether you are on the cheapest tariff they offer and provide potential savings from switching if you are not. Switching to their suggested tariff is an easy way to save money, but make sure you aren’t affected by exit fees before you switch. It should also only be used as a guide of the potential savings, they are not guaranteed.

15) Your electric’s Meter Point Administration Number (MPAN) is similar to your MPRN for gas. It is unique to your property and might be asked for when switching suppliers.

For more information about energy efficiency please visit the National Energy Foundation Better Housing Better Health website here, or contact us on 0344 324 6589 to arrange a home visit with our Dementia Advisor.

 

Twelve Tips for Christmas

Twelve Tips for Christmas

Christmas is a time of year when people get together to celebrate or unwind. However, the festive season can be overwhelming when you are living with dementia.

Dementia UK specialist Admiral Nurses have pulled together a list of tips to help you have a happy and relaxing time.

Plan ahead

Over the Christmas period, services like pharmacies, shops, GPs, dentists and mental health services have reduced opening hours. To make sure you’re not caught out, try to get things sorted in good time before you start celebrating with friends or family.  

Get the shopping done well in advance, order and collect any prescriptions you or the person you care for will need, and organise paid care cover if necessary. 

Write a list of out of hours contacts for services like the GP, emergency dentist, pharmacies, mental health services and social services, so you can relax knowing you’re prepared if anything happens.  

If you’re visiting friends or family, especially if you’re staying over, pack well in advance so you can double-check that you haven’t forgotten anything.  

Avoid surprises

If you’re celebrating with guests or visiting friends or relatives, make sure they know beforehand that your loved one has dementia. If it’s easier or helpful, you could just tell them that the person has memory problems, and ask them to keep conversations clear and simple.

If your friends, family or guests know that the person has dementia, but haven’t seen them in a while, let them know of any changes to expect.  

It’s good to involve the person with dementia when planning activities, if you can – make sure they know what’s going to happen, and that they’re happy with it, but equally, try not to overload them with too many choices or expectations, as some people with dementia can find this overwhelming.  

Think about food and drink

Try to follow your loved one’s normal likes and dislikes when it comes to food and drink.  

If they have a smaller appetite, keep their portions small, and talk them through what’s on their plate if that would help them. Check in with them during the meal to see if they are managing, and discreetly offer help, if needed. 

If the person enjoys an alcoholic drink, they should be free to enjoy one, but bear in mind that some alcohol can interfere with some medication or can be disorientating for a person with dementia.  

Have a conversation with your pharmacist or other health professional about medication if you’re unsure or think about offering them alcohol-free varieties of beer and wine.

Be kind to yourself

Christmas can be especially difficult if you’re spending it alone – perhaps your loved one has moved into care, or you’ve been bereaved. Give yourself time to process your feelings, be kind to yourself, and spend your Christmas in whatever way you need to.  

Coping with loss and bereavement can take a long time, and even if you thought you were doing okay, you might experience a ‘dip’ around a family-oriented time like Christmas.

This may mean you don’t want to celebrate the holiday, or that you feel you need to be around friends or family. You might even want to do something completely different, like voluntary work for people in need.    

If you need someone to talk to, our Admiral Nurse Helpline can provide support every day except Christmas Day. Alternatively, Samaritans are available at any time, day or night, 365 days a year. You can call them for free from any phone, dial 116 123.

Avoid overstimulation

The noise and hubbub of a busy family Christmas can be overwhelming for a person with dementia, so try to avoid overstimulating them with sights and sounds. 

If you can, reduce unnecessary noise like Christmas crackers and loud music, and limit competing noises – for example, turn off the TV if people are talking.  

Children can be a great distraction and source of enjoyment, but you may need to monitor the amount of time the person with dementia spends with young visitors, and look out for signs that they’re becoming tired or that noise levels are getting difficult for them to tolerate. 

Keep activities short, with a pause every 30-40 minutes, and if you can, set aside a quiet room where they can have some downtime. You can make an unfamiliar room welcoming by bringing one of the person’s sofa cushions from their home, spraying a familiar scent or playing music they love. 

Keep to routines

People with dementia often benefit from knowing what’s going to happen next, so it can be helpful to try to uphold some of their normal routines, even if they’re not at home for Christmas.  

Do they have meals at a set time? Or a cup of tea in bed every morning? Do they watch a favourite programme at the same time every day? Try to support these routines where you can. 

Think of engaging activities

Try to think of things to do that might engage or evoke memories for the person with dementia. For example, you could build a scrapbook together using photos from previous family Christmases or revive family traditions like playing charades or singing familiar songs together.

If the person is a Christian, or used to have some Christian beliefs, you could try to engage them in the spiritual side of Christmas, too: sing hymns, read the nativity story or go to church – anything that might spark memories or make the person feel peaceful and connected to their faith.

Find out about support groups in your area

If you’re caring for someone this Christmas, or spending the day alone, find out about support groups near you. Local centres might be holding a lunch or a meet-up – it might be comforting to spend time with other people in a similar situation to you, even if going out feels like a lot of effort.  

Charity organisations like your local Age UK may have details of events happening over the festive period, and you may also be able to find information in local social media groups and through your GP surgery.  

If you can’t get out, there may be local retailers and voluntary groups that can deliver shopping and other supplies for you. It’s a good idea to look into this in plenty of time in the weeks running up to Christmas. 

Don’t overdo it

Keep in mind what is manageable for the person with dementia. Allow your loved one to have a nap at lunchtime if they need to, and if they’re going back to their home at the end of the day, don’t leave it too late – try to take them home in daylight so they can see they’re back in their familiar environment, rather than waiting until it gets dark when they may be more confused or disorientated. 

Have a practice run

If you’re bringing a loved one with dementia out of their care home over the festive period, have a few practice runs. This will help you figure out if it’s realistic and achievable to take them out of their care home for Christmas.  

Include the care home staff in your planning and ask them for their advice and how they might be able to support you.  

If you’re anxious that your loved one won’t want to leave you at the end of the day, you could say “We have to go home now,” rather than “You have to go home.” If you’re doing things together, it can make things less confusing or frightening.  

Once you arrive back at the home, go in with the person and have an activity ready like having a drink or showing their carer a gift that they received. Ask the staff to be there to welcome you back and distract your relative when you have to leave. 

Include the person with dementia

Make sure you include the person with dementia in your Christmas activities. If appropriate, you could ask them to help you wrap presents, put up decorations, set the table or peel potatoes. 

If you’re celebrating Christmas with other people, give them pointers beforehand on how to make the person with dementia feel happy and included. Sometimes, when people know someone has a diagnosis of dementia, they behave differently towards them – for example, they might avoid speaking to the person for fear that they’ll get it wrong.  

If you think this could be the case, advise your guests to make sure they smile and make eye contact with the person with dementia and, if helpful, keep conversations with them straightforward.  

Give yourself a break

Christmas can be a stressful time – perhaps you have expectations of previous family Christmases to live up to; maybe relationships between relatives are strained; or you might be worried about how the change in routine will affect your loved one with dementia.  

If you’re entertaining or cooking a big meal, try not to put too much pressure on yourself to make everything perfect – enjoy the day for what it is, and accept any help offered by others.  

If you’re not visiting or having visitors, try to find time to do whatever brings you some peace – you could put on music you enjoy, or a film you love.  

If you’re a carer, why not ask a friend or relative to sit with the person you care for while you take a break for a few hours? 

Sources of support

To speak to a dementia specialist Admiral Nurse about managing the festive season or any other aspect of dementia, you can contact the free Helpline on 0800 888 6678 (Monday-Friday 9am-9pm; Saturday, Sunday and bank holidays 9am-5pm, every day except 25th December).

Alternatively, Samaritans are available at any time, day or night, 365 days a year. You can call them for free from any phone, dial 116 123.

 

Can I still get a Lasting Power of Attorney with Dementia?

Can I still get a Lasting Power of Attorney with Dementia?

Receiving a diagnosis for early-stage Dementia can be a very worrying time for you and your loved ones. For many, the focus becomes getting financial affairs in order and thinking about the preparations to be made for the future.

We asked Jasmine Lambert, Managing Director of Redwood Financial to tell us about Lasting Power of Attorney for people living with dementia.

What is a Lasting Power of Attorney?

A Lasting Power of Attorney (LPA) is a legal document and is currently one of the most important documents you could ever create, as it is the only way to ensure your health and assets can be managed how you would want them to be, should you lose physical or mental capacity during your lifetime.

There are two types of Lasting Power of Attorney: A Property and Financial Affairs LPA, and a Health and Welfare LPA.

A Property and Financial Affairs LPA allows elected Attorneys to deal with the financial aspects of the Donor’s Estate, whereas the Health and Welfare LPA allows your Attorneys to deal with your health and care decisions.

Download Redwood Financial’s free Guides about Powers of Attorney

Both types of Lasting Power of Attorney were introduced as part of the Mental Capacity Act, launched in October 2007. Prior to this, there was a product called an Enduring Power of Attorney (EPA).

If you have an EPA created before 1st October 2007, it is still valid. However, it only covers your financial affairs and not your health and wellbeing.

“A person who has been diagnosed with dementia is able to get a Lasting Power of Attorney in the vast majority of cases, and a diagnosis should never be seen as a barrier to putting this critical planning in place.Jasmine Lambert

If you need more information regarding Power of Attorney you can contact Redwood Financial on 01489 877547 or call Dementia Support – Hampshire & IOW on 0344 324 6589.

Music for Dementia

Music for Dementia

Presently, there is no pharmacological cure for dementia, though research is ongoing in many areas.

Music has a valuable role to play in enhancing quality of life for people living with the syndrome, and their carers. It has the power to bring people together in the here and now, providing a way to stay connected with loved ones and carers through shared experiences.

It can enliven, stimulate and enable people to express themselves creatively beyond words. This involvement enables people to be seen for who they are beyond their diagnosis.

Research and lived experiences show that music can help reduce the often-distressing symptoms of dementia, such as agitation, apathy and anxiety.

This support to emotional and psychological health and wellbeing comes at a time when emotions can be overwhelming or difficult to process or manage.

“Music imprints itself in the brain deeper than any other human experience.
Music evokes emotion and emotion can bring memory. Music brings back the feeling of life when nothing else can.” – Dr. Oliver Sacks

How reminiscing can help someone with dementia

How reminiscing can help someone with dementia

For people living with dementia, as cognitive abilities decline it can be difficult to maintain personal identity. Reminiscing about the past can help someone to stay aware of their past and cherished memories for longer.

Whether you look at old photographs, look at treasured belongings or listen to favourite music from the past, all types of reminiscence can help someone with dementia to maintain a connection to the people and places that they love.

Experts say that talking about the past can help reduce feelings of isolation and loneliness, help develop positive feelings – reducing stress and agitation, improve confidence and give the person an opportunity to talk about family and friends.

Am I entitled to Attendance Allowance?

Am I entitled to Attendance Allowance?

Attendance Allowance is a benefit for people who need extra help because of a long-term physical or mental disability, including dementia.

It is a weekly allowance that is paid at two different rates, how much you get depends on the level of care that you need because of your disability. It is not means tested so it doesn’t matter what other income you have.

The lower rate is for people who need frequent help or constant supervision during the day or supervision during the night. The current rate is £61.85 per week.

The higher rate is for people who need help through both the day and night. The current rate is £92.40 per week.

You can spend it however you like. To pay for help at home or in the garden, to pay for taxi’s, help towards your household bills, or to pay for living aids to help improve your daily life. You can even use it to go out with friends to help you stay connected to the community.

To apply, you need to fill in the Attendance Allowance application form, which you can download from the Government website here. If you would like more information, or help to complete the application form, please give us a call on 0344 324 6589.