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Lifeskills and The Cost of Living

We first put a handy guide together during lockdown when Coronavirus was at its peak. Given how useful some of the information is in here and the positive feedback we received, we have decided to leave in some of the sections and update it with useful information to help you develop your skills and confidence.

We have added lifeskills mini guides to help you with some of the important things you will need as you progress into adulthood, including information about guaranteed interviews and becoming 'tenancy ready'.

If you have any ideas you would like to share with us, let us know through your Personal Adviser or Social Worker.

Tips to help cut down on your household bills

Tips to help keep costs down during the cost-of-living crisis

Here are some tips to help keep your costs down at home – simple things you can do to help save money without costing you anything!

Turn off lights when you leave a room or leave the house
Turn off lights when watching TV
Don’t leave devices on charge overnight
Turn off devices completely when not in use, don’t leave TV’s in standby mode
Make sure the washing machine is full before you use it
Wash clothes at 30 degrees if possible
Don’t fill the kettle full before boiling. Only put in what you need
If your freezer is iced up, defrost it and it will run more efficiently
Spend one minute less in the shower
Turn down your central heating thermostat by 1 degree
Don’t leave your heating on when you leave the house. If you have a timer, learn how to use it
If using the oven, try to make meals for a couple of days in one go so you can just re heat the second meal the next day
If you can, use the microwave oven rather than the main oven
Open you curtains to let the sun in, then close them to help keep in any warmth
If you have drafts, use an old towel as a draft excluder to keep the cold out
Try to plan your food shop – don’t just use the most convenient store
Try to go towards the end of the day when fresh food is often reduced
Download Apps such as ‘Too Good To Go’ to help cut down on food waste
If using a cash machine, don’t use one that charges a fee – there are still plenty of free to use ones about
If possible, walk rather than get the bus to save the bus fare
Check any subscriptions you may be paying – Amazon, Netflix etc. Are you getting value for money?
Check your phone contract. If it is up, look for a better deal
Join a Food Pantry - speak to your PA for details. There are now 5 across town with more opening soon

Barclays Lifeskills

Barclays Lifeskills is a free employability and financial education programme, to unlock skills and employment opportunities for all ages. Accessed through educators, organisations, families or directly, as well as our specialist charity partners who work in under-represented communities providing tailored support.

Barclays lifeskills is working in partnership you support young people, young adults and families to thrive, now and in the future.

This can be accessed independently of your PA/Carer etc, but if you would like their support then just ask. They will all be familiar with it.

The programme can be accessed at www.barclayslifeskills.com

If you know of another lifeskills programme, just let us know and we'll put the link on here.

DIY At Home

How about trying a bit of painting?

Do you ever wonder how decorators make painting and decorating look easy?!
Well here are a few tips and ideas for you to try at home to make things a little bit easier for you with less mess (hopefully)....

The first thing to remember is that preparation and having tools to do the job is really important! You may need some basic tools, such as good paintbrush, roller, paint/roller tray, some old towels to wipe paint away, bucket…..Oh yes and old clothes so you don’t ruin your good clothes.

You don't want to end up looking like this....

So if you want to paint a wall it’s quite easy, but if you have marks on the wall or any holes you will need to make sure you clean everything off and then fill any holes with some basic filler!
You can wash walls down with some soap and warm water, get them nice and clean and take any dirt of the walls before painting!

You can buy wall filler quite cheap at most DIY shops (Wilko is open in St Helens or you can order wall filler online).

You need a wall filling knife as well, but…..If you have an old bank card you don’t need you can even use that! Just as good and free!

Step 1

Start by raking any loose plaster from any cracks with the corner of a filling knife or scraper. With a small paintbrush, dampen the crack with water to make the filler dry slowly. This helps stop it from shrinking and falling out of the crack!

Step 2

Put some filler onto the filling knife and push it across the hole at right angles to the crack. Press firmly until the filler comes just over the surface. Leave this to dry, then smooth it down with medium-grade sandpaper. You can use a sanding block for this or cheaper way is to wrap the sandpaper around a bar of soap! Cheaper and just as good!

Once everything is dry get ready to paint !

Quick Tip!

Make sure you cover any furniture and your floors with old sheets! We don’t want paint on your lovely carpet or sofa!!!!

Quick Tip!

If you use a roller tray put some kitchen cellophane (the clear wrap) or tin foil in and around the tray, make sure it is over the edges of the tray.
Pour your paint on top of the cellophane or foil. When you have finished, you an take it off and throw it away! No need to clean the tray!!

Have a little look at an example

Quick Tip!

Always make sure you put any paint tins or paint trays on old newspaper. If any spills out it will only go on the paper……Not on your floor !!

Step 3

Use masking tape along the bottom of all the skirting boards and around the borders of anywhere you’re not painting (such as light switches and windowsills). This helps keep the rest of the paintwork in your room sharp and doesn’t need a really steady hand for your interior painting!!

Remember!!

There are different types of paint, and depending what type of paint you use will determine how you clean up and clean your brushes !! Water-based paints dry quicker and have less fumes. They also can be cleaned up with just water if you do spill any! Plus you can clean your brushes in just warm water…Easy and cheap!

Emulsion paint is commonly used on walls and ceilings and often where the surface is uneven, this is water based and easy to clean!

Oil based paints like some gloss paints need white spirit or turpentine to clean brushes or any spills.

Really important to remember……oil based paint can be hard to clean up if you spill it! Plus, you need to clean the brushes with White Spirits or Turpentine. If you don’t, your paintbrush will dry up and will be very hard to clean! So as soon as you finish painting with gloss type paints, get the brush in White Spirits or Turpentine and clean those brushes!

Paint Brushes

There are loads of different ones, so here is a quick guide!

Synthetic brushes/bristles are the best for water-based paints as it doesn’t absorb water and won’t cause brush marks.
Natural bristle is best used for solvent-based paints like gloss as it creates a smooth finish.

Step 4

So now we get to paint the wall!

Here are the easy steps to make it much easier for you and less hassle!

Watch a helpful video

Ever heard the painters and decorators say ’cutting in’? Well it just means painting around the edges of the wall!

Take a look at the picture below……Using masking tape on the ceiling then start painting the wall using your brush, it doesn’t have to be neat as the masking tape will stop it going on the ceiling!

Then once you have painted all the way around the edges……Just use the roller and paint the middle bits!!

All Finished!?

Make sure you clean that roller, if you’re using emulsion paint just use warm soapy water, and clean the brush as well……in water!!

Easy and ready for the next job!

Painting and decorating is not always hard to do, you just need to have the right tools, know what paint to use and how to clean everything up!!
Most importantly be confident and give it a go!

Steve Oakes, Futures Team Personal Adviser is willing to come out to any of our young people decorating and help you out with a few quick tips!!

Believe in yourself and you can decorate your home just as well as anyone else!!

Looking After Your Emotional Health

Looking after your emotional health while staying at home is really important. Remember this situation won't last forever and if you are struggling, speak out and someone will be there to help.

Here are a few tips and ideas to keep emotionally healthy...

Everyone is different, Focus on you!

The government is telling us to stay at home and only go outside for food, health reasons or essential work. This will mean that a lot of us will be spending a lot of time at home.

Our regular social activities are no longer available to us and this may affect our mental health.

Everyone’s mental health is different and how it can be affected can be different too.

This is out of our control, but we do have to comply in order to keep everybody safe. So, take this time to create a new daily routine that prioritises looking after yourself.

Try something new and set yourself a new challenge

Learn a new language. There are lots of free apps that will teach you how to speak another language.
Try some photography. Most of us have smart phones, now is a perfect time to capture nature without the usual disruptions of daily life!
How about making your own quiz... We are holding regular quizzes on the Futures Instagram. Why not be our quiz master?!
Try some gardening.
How about some creative writing?!
Try some baking or trying new recipes.
Start your own podcast.
Try a new exercise... a high intensity online work out, running, yoga.
Painting.
Drawing/colouring.
Jigsaws, puzzles, word searches, crosswords.

Set out a new daily routine, keep it simple and focused.

Allow time for relaxation and normality, just adapt to maintain social distancing.

The News

It is important to keep up to date with the news and any new information the government is providing us with. However, filling your day with this news may not be good for your mental health and may lead to increased anxiety.

It may be wise to:

Limit yourself to watching or reading about the daily update of an evening given by reputable sources such as BBC News Gov.uk and Public Health England are also reputable sources that you can access.
Avoid non-reputable sources such as social media posts, rumours and opinions by others.
Accessing good quality information about Coronavirus can help make you feel more in control and reduce anxiety levels.

Stay Connected

We are living in the 21st century with technology, social media and other means of connections such as gaming. These are all good ways of staying in touch with those who matter most to you.

Social media: allowing video calls, group chats, seeing what others are doing with their days at home.
Apps: Skype, WhatsApp and Messenger.
Gaming: Connecting with others while gaming.

Online Support

Online services are available for you to access. These services offer guidance on how to help reduce anxiety levels, how to help lift your mood, giving you a sense of control and lead to a more positive mindset.

Mind

Information about how to keep yourself safe and how to tackle negative thoughts about the current situation.

Kooth

Online chat forums with mental health professionals. Online services offering teaching about good distraction techniques and coping methods.

Gov.uk

Online guidance setting out principles to follow to help people to manage their mental health.

Mental Health Foundation

Guidance full of suggestions on how to help tackle feelings of anxiety, low mood and top tips on how to stay connected with people.

Action For Happiness

Action for Happiness share an online calendar every month. Each day has an action that aims to support your emotional health!

Apps

Download apps that are related to helping with mental health: Mindfulness, meditation, Breethe, Aura, Jour. If you are a child in care or a care leaver you can get a one-year free subscription to Breethe through IMO.

Keeping Active

Exercising and keeping yourself active is a very good way to ensure you are maintaining your physical health as well as your mental health. Exercise releases chemicals like endorphins and serotonin that lead to an improved mood. Exercise can also reduce feelings of stress, depression and anxiety.

We have a specific section relating to physical activity with lots of ideas!

Remember.....

Lifeskill Guides

Below are are series of guides to help you with your lifeskill development. Why not ask your PA or Social Worker to help work through them.

They can also print them off for you as laminated A6 size guides if needed so you can keep them with you.

Lifeskills Pocket Guide/Passport to Success - Money Management

I know the value of coins and notes and how much change I should get back if I spend money.

I understand the difference between needs and wants.

I have a current or savings account.

I know how to make withdrawals and make deposits using a cash machine.

I know how to access bank statements and I understand the statement.

I know how much money I have coming in each week and can budget my allowance to last for a week.

I understand how I can save for irregular spending such as haircuts, clothes etc.

I can use a calculator to add, subtract, divide and multiply.

I know what bills I will be responsible for when living independently.

I know how to set up a direct debit from my bank account.

I know the difference between a credit and debit card.

I know where to seek advice if I am struggling to manage my income.

I know the importance of keeping my passwords and account details safe and what to do if I suspect I have been the victim of a fraud or scam.

I know what tax and national insurance is and what it is used for.

Lifeskills Pocket Guide/Passport to Success - Household Issues

I can cook a meal from scratch and use kitchen utensils safely.

I understand how to store different foods and the importance of storing it correctly.

I know the difference between ‘best before’ and ‘use by’ dates.

I can use household cleaning equipment such as a washing machine or vacuum cleaner safely.

I can separate laundry to ensure colours don’t run.

I can use household cleaning materials safely.

I know how to change my bedding and clean a toilet.

I can do basic household repairs such as changing a lightbulb.

I can you keep myself safe in your home, for example free from clutter.

I understand what can cause fires in my home.

I understand how to save money in my home.

Lifeskills Pocket Guide/Passport to Success - Your Home

I know my full address including postcode.

I know how to make my house secure when I leave home.

I understand the different types of housing available to me.

I know who my housing support officer is if applicable.

I know who to report repairs to and what is my responsibility to fix.

I have a spare key and have given it to someone I trust in case I lose mine.

I know where my electricity and gas meters are and how to read them. I know how to top up my account if applicable.

I know where the water stop tap is, i case I need to turn the water off.

I know what council tax is and how to apply for an exemption.

I understand when I need to purchase a TV licence.

I know how to recycle my rubbish and what day the bins go out.

I understand my responsibility to be a ‘good neighbour’.

I have somewhere safe I can stay in the event of an emergency.

I know the purpose of smoke alarms and carbon monoxide detectors and how to test them.

Lifeskills Pocket Guide/Passport to Success – Health and Personal Care

I know the details of my GP, dentist, and optician.

I know the details of the local NHS walk in centre.

I know in what circumstances I should call 999.

I know about a range of over-the-counter medication I can buy.

I have access to personal care products, and I know how to use them.

I know the importance of showering/bathing regularly.

I know how to wash my clothes.

I have clothing appropriate for the weather conditions.

I clean my teeth at least twice a day and change my toothbrush regularly.

I understand what contraception is and how to use it.

I understand the risks of unprotected sex and how to take appropriate action.

I know what to do if I think I may be pregnant.

I understand what ‘5 a day’ means and I try to eat a balanced diet.

I understand the importance of getting regular exercise.

I understand the dangers of using tobacco, alcohol, and other substances.

Lifeskills Pocket Guide/Passport to Success – Staying Safe

I know how to keep myself safe online.

I understand the dangers of sharing intimate details/photos with others.

I know how to report someone who is making threats – online or in person.

I understand the dangers of meeting up with strangers you meet online.

I know the importance of keeping personal items out of sight.

I know the importance of letting someone know where I am, and what time I will be back.

I know the dangers of leaving drinks unattended when I am out.

I understand the dangers of being under the influence of drink or drugs.

I know the risk of carrying anything that could be seen as a weapon and the risk of arrest.

I understand the risks of buying goods or services at my front door or in the street.

I understand how to keep my personal details safe and the dangers of sharing them.

I know about internet scams and the dangers of clicking on unknown links.

I know how to keep my home safe and secure.

I know about the dangers of allowing others to stay in my home.

Lifeskills Pocket Guide/Passport to Success – Travel and Community

I know how to read a bus/train timetable and can plan a journey.

I know where the nearest bus stop/train station is.

I know the different types of tickets available.

I can confidently find my way round my local area.

I know how to book a taxi if needed, but understand the cost of them.

If I ride a bike, I understand the importance of wearing a helmet and having lights.

I know where the local supermarket and shops are. I know the importance of ‘shopping around’ to save money.

I know how to access my local gym or other activity.

I know where the local post office and bank is.

I know how to access support groups in my local community if needed.

I know how to access the care leaver Hub and the contact details for my PA.

I always keep my phone charged or know how I can charge it when I am out.

I know the importance of time keeping and can make sure I get to appointments on time.

Lifeskills Pocket Guide/Passport to Success – Education, Employment and Training

I am currently in education, employment, or training.

I know how to fill out an application form, online or by hand.

I have certificates for any qualifications I have passed.

I know what a CV is and I have one that is up to date.

I know who to turn to if I need help with any issues.

I have longer term ambitions to progress in education or employment.

I understand the importance of interviews and know how to prepare for them.

I have suitable clothes I can wear for an interview.

I have suitable clothes I can wear for work or training.

I understand the importance of good timekeeping.

I know the current minimum wage for my age.

I know my rights as an employee and my responsibility to my employer.

If I am claiming benefits, I understand my responsibilities and the consequences if I do not meet them.

Lifeskills Pocket Guide/Passport to Success – Healthy Relationships

I can identify things I like about myself.

I have a network of friends and family I can trust to give me good advice.

Other people would trust me to give them good advice.

I sometimes get a gut feeling when I know something doesn’t feel right.

I understand consent and that no means no.

I feel confident enough to say no in any situation.

I am able to set boundaries with my friends.

I know where to get help from if I am in a difficult relationship or if someone is hurting me.

I can state my views or feelings confidently and know other people will respect them.

I am ok in unfamiliar situations and when meeting new people.

I am able to resolve conflict with others.

I am able to think through decisions I make, and I am able to understand the consequences of choices I make in life.

I can avoid situations that feel unsafe or risky.

Lifeskills Pocket Guide/Passport to Success – Legal Issues

I understand the law relating to the age of consent.

I understand the law relating to sharing inappropriate images.

I understand when I can get medical advice or treatment on my own.

I understand the laws around tobacco and alcohol.

I understand the different classes of drugs and the consequences if I am caught taking or dealing them.

I understand my rights if I am stopped by the police.

I understand my rights if I am arrested by the police.

If I have to go to Court, I understand the process and what could happen if I am found guilty.

I understand my rights if I sign a contract for goods or services.

I understand my rights to return goods bought on line or in person.

If I am seeking asylum; I understand the process and my rights whilst this is ongoing.

If I have been granted limited leave to remain in the UK, I understand the process of applying for indefinite leave to remain.

I understand my right to get support from my PA and the Futures Team.

Lifeskills Pocket Guide/Passport to Success – Becoming a Parent

I understand about different types of birth control and where I can get contraception from.

I understand that contraception is the responsibility of both partners.

I understand that becoming a parent should be a choice made between two partners.

I understand the importance of looking after my health whilst I am pregnant and attending all ante-natal appointments.

I know who is there to support me through my pregnancy and understands the changes that are taking place and how I am feeling.

I know what extra financial support will be available to me as a new parent.

I understand how to care for my baby and how to get advice if I am unsure and I know the importance of keeping my baby safe at all times.

I understand the developmental needs of my baby. I know the importance of playing, talking to and listening to my baby/child.

I know what family resources are available and how to access them.

I have someone to turn to who will help with childcare when I need some support.

I understand my financial responsibilities if I am a father, not living with my child and my child’s mother.

Guaranteed Interviews for Care Leavers

Guaranteed Interviews for Care Leavers:

If you are a St Helens care leaver and meet the person specification criteria as outlined in the job advert, you will be guaranteed an interview for all St Helens MBC posts.

To qualify for this, you will need a letter from the Futures Team confirming your status which can be submitted with your application.

Of course you do not have to identify as a care leaver if you don't want to, but then your application would be considered along with all others.

If you need any help with CV's or applications, your PA can put you in touch with our education and employment adviser who can help :)

St Helens MBC is amongst a number of local authorities throughout the country who offer 'protected status' to our care leavers.

Tenancy Readiness

Your first tenancy – things you need to know!

Congratulations - you are about to sign up for your first tenancy, this can be an exciting time as you want your independence but also you could be a little nervous! There are some things you should know before you get your tenancy, things that are really important for you to understand.

People often don’t realise just how responsible you need to be as a tenant, and importantly what happens when things go wrong!

If you decide you want your own tenancy you will need to register for housing. This can be with Under One Roof, Property Pool, Wigan Housing, Halton Housing or any housing association that you are living in. However, you need to chat with your PA or Social Worker about if you are eligible to apply for housing in your area, sometimes if you haven’t lived there for a specific amount of time, you can’t register for housing there and will have to consider other areas!

What do I need to think about?

As a Team we see many successful young people manage their tenancies, but sadly we also see some young people who just don’t understand how responsible they need to be in managing their tenancy.

All the Personal Advisers have put this information together to help and support you to understand your tenancy, so you can manage your tenancy, what you need to consider and to let you know what happens when things go wrong and also what the processes are if you lose your tenancy.

Let’s look at the most common things you need to know:

How long is a first tenancy?

Your tenancy will be what is called a short hold tenancy and these usually last 12 months and are like a 'trial' period. You become an assured or fixed term tenant after 12 months, unless your housing association has either: started action to evict you or extended your starter tenancy. You can normally live in the property for the rest of your life, as long as you do not break the conditions of the tenancy.

Can you have people staying there overnight?

Yes you can have people stay overnight, but remember they need to be responsible, if they cause any trouble or people complain about them, it will be you that your housing association will contact about any complaints! Be a considerate neighbour, make sure that everyone who visits you doesn't cause a nuisance or annoy others.

Can you move people in?

You can move someone in with you, but you must let your housing association know. You must keep your landlord up to date with who is living in your home and you have to be aware that this will have implications on your council tax reduction as a care leaver, housing benefit and universal credit. If in doubt, please ask for advice.

What happens if you move people in without permission?

If you move someone in and don’t tell your landlord, you will be in breach of your agreement, the landlord would, inform you and take appropriate action.

Can I have a dog/cat?

Your landlord will let you know if this is allowed in your tenancy agreement, You’re responsible for keeping your pets under control and appropriately cared for. Dogs shouldn’t roam unsupervised, be a nuisance to neighbours or foul any other property.

Who can help support me?

Your Social Worker and PA will discuss with you who can help support you to maintain your tenancy. This could include family, friends, the Futures Team, your housing officer, or we can arrange something called ‘floating support’ through SHAP. This is where someone will pop in once or twice a week to make sure you are managing the basics and offer help as needed.

What happens if a neighbour complains about me?

If someone complains about your behaviour or the behaviour of someone in your property, the complaints will be investigated. You will be spoken to of the allegations and from then on monitored, they would ask if there are any agencies working with you to help support you to keep your tenancy. You will be given every opportunity to address the concern.

What is the process if complaints continue?

You will be shown the evidence, whatever it maybe, and the case would be escalated to the enforcement team to consider legal action such as an injunction or Notice Seeking Possession, which means the housing association would look at taking the tenancy back from you. You will be given opportunity to stop the issue that is causing the complaint.

What is the eviction process and how long does it take?

The eviction process is the last resort however it could take 6 to 12 months it all depends on the courts, it’s difficult to give a timescale, but you will be informed at every stage of the process.

How long will I have before I get evicted?

It is difficult to give an exact timescale on the eviction process, but it remains important that you keep speaking to your housing officer during this period.

What happens if the police visit the property, do they tell your landlord?

Housing associations work closely with the police and they do advise them of any issues, so if you do get a police visit housing will know either through the police or other residents nearby.

What happens if drugs are found at my property?

If the police have executed a drugs warrant and found drugs you will likely be served with a notice of seeking possession and the housing association will apply to court for possession of the flat

What happens if another resident’s behaviour is causing me a worry?

Just as someone may complain about your behaviour, you have every right to complain about someone else. In the first instance this should be through your housing officer, unless it is a police issue. It is important to make a record of any anti-social behaviour issues to help your housing officer when they come to investigate the issue.

It all may sound a bit worrying or scary, but these are the most important things you need to know and understand before you sign for a tenancy. Remember there are people to help you through this process, but if you are having problems, the sooner you ask for help, the sooner an issue can be resolved.

Now I have signed for my tenancy, what is it I need to do and think about?

Who provides the energy? - you will have to register with your new energy providers, your PA will support you with this so don’t worry!
Are the meters pre-payment or are the payments by direct debit? We would advise you have a pre-payment meter so you know exactly what amounts you are using
Once you move in you will need to have the gas meter serial number and also the gas meter reading
Once You Move In you will need the Electric meter serial number and also the Electric meter reading
You will need to be aware that you will be solely responsible for paying these bills from your wages or universal credit
You will need to know where the fuse box is
You will need to know where is the water stop tap
You will need to register for a TV licence if you watch live TV. You can use some of the setting up home allowance to pay your first year’s bill. Your PA can show you the guidance about when a TV licence is or isn’t required
You will need to register for your water supply and be aware you will be responsible for all water bills
You will need to consider if you want broadband and how much this costs and if you could afford it
You can access your setting up home allowance and buy the essential things you need to move in, decorate, have a lovely home of your own. Your PA will have a list of things to help you with this
If you are living by yourself, your PA will support you to have Council tax exemption
Your PA will support with the 1st Weeks rent paid upfront for you. You will then be responsible for paying rent either from your wages or via housing benefit. Please remember that rent is your responsibility
You will need to find out what day your bins are emptied and what the arrangements are for recycling. This varies from area to area
Keys – who do you trust to hold a spare key for you? Don’t keep all your keys on one keyring. If you lose them, there will be a charge to have a replacement made

Now that I have signed for the tenancy, what is next? What else do I need to think about?

You need to change your address for your bank, your dentist, your GP, your opticians, your driving licence (if you have one) you should also remember to change your address for on line accounts such as ebay and Amazon so your parcels are delivered to the correct address!
Change your address on any benefit claim and update rent payments on your benefit claim, you need to let benefits know you now have moved and have rent to pay and a new address!

How about my Setting Up Home Allowance? How do I spend That?

Your setting up home allowance is money we support you with to buy everything you need at your new home, we will provide up to £3000 to spend on all those essential items you will need. This doesn’t mean you get given £3000 in cash. Your PA will access this for the items you need.

The amounts for different items can vary, depending on what you need or want but also what you may already may have.

Just to give you some basic costs and what you could expect to spend on certain items:

A TV could be about £200 to £250 for a modern smart TV
Double bed could be £200 to £250
Carpet or flooring for a 1 bedroom flat can typically cost up to £700, sometimes more, depending on the size of the flat and rooms.
Storage and wardrobes, these can really vary in price, you could expect to pay £100 for a single wardrobe, and then prices will go up the bigger you need!
All your white goods, which is washing machine, cooker and fridge freezer can cost £600 or more, sometimes it’s cheaper, but don’t forget you may have delivery and installation charges as well to think about!
You also need to consider all other items needed, all your items for a kitchen, such as microwave, utensils, kettle, toaster, cups, glasses, all cleaning items
You will need an iron and ironing board, plus a washing /clothes basket
You will need all your bedding, pillows, quilt
Paint / decorating items

It sounds like £3000 is a lot of money, but you have to consider about buying everything you need and to also think about any delivery charges that you may have as well, so spend the money wisely, and make it go as far as you can!

Your PA is the best person to go shopping with, we know where to go, how to find the best deals and where the cheapest places are to shop!!

What happens if things go wrong with my tenancy and what happens?

Sometimes young people are just not ready to live independently and don’t understand how responsible they need to be with a tenancy, which is why we put this together to try to make sure it doesn’t happen!

There are some things to know if your tenancy starts to go wrong, and these are important and that you understand how serious it can be!

Notice To Quit:

Your landlord can issue a Notice to Quit. The main issues for this could be anti-social behaviour, noise or keeping pets which cause an issue for others.

Your landlord would serve a Notice to quit (NTQ) if they felt there was an abandonment, where the tenant is not using their property as their own and principal home.

Housing would serve a notice of seeking possession (NOSP) for the following:-

Noise, loud music, parties dogs barking.

A drugs warrant executed by the police.

Condition of property and garden.

Breaching an injunction

Criminal offences and offences which result in a custodial sentence.

What is the expectation for a tenant once a Notice to Seek Possession served?

As a tenant you would be expected to engage with your landlord and not breach the a notice of seeking possession. If you do not engage and evidence continues to be obtained, they would progress to court for possession, however eviction is the last resort depending on the evidence. They could obtain a Suspended Possession Order (SPO) which the tenant would remain in the property but must not breach the SPO if they did we would apply back to the court to seek an eviction.

However, please be aware if a tenant receives an order like a Suspended Possession Order and you are evicted it is very doubtful that your housing association would re house you.

Really Important!!!

If you as a tenant breach an Injunction, or a Closure Order against the property, the housing association can apply for mandatory possession, which is much quicker.

If the worst happens and you are losing your tenancy or lose the tenancy, what happens, what do you do?

Losing a tenancy is not an overnight process. Concerns about your tenancy will have been building for a while and you will have been given every opportunity to try to address the worry before it reaches this point.

If you become Homeless by being evicted or losing your tenancy your PA could refer you to Housing Options, however it’s important you understand what this agency can do. You would also need to consider if you have any family or friends who you could stay with.

What happens if my Landlord serves me with a notice to leave my tenancy?

If you are served with any kind of notice to leave your property you need to seek support with this matter, as well as speaking to your personal advisor you can get help from housing options by phoning 01744 675150 or emailing HousingAdviceOptions@sthelens.gov.uk and explaining your situation.

If you are threatened with homelessness within 56 days the housing options service will make arrangements for you to have a homelessness assessment under the Homelessness Reduction Act (2017) to determine what advice and assistance they can offer you with the situation. If you have a homeless assessment, a personalised housing plan will also be completed with your caseworker and this will detail what actions both you and your caseworker will be expected to take to resolve your housing problem. If you receive communication from your landlord outside of 56 days indicating your tenancy is at risk, you are likely to be referred into the Early Intervention/Prevention team for support.

Housing options or the Early Intervention Team will always try to prevent you from becoming homeless wherever possible, for example they will try and negotiate with your landlord to not progress with the notice issued. If it is due to rent arrears they will try and set up payment plans to reduce the arrears or if your landlord starts court proceedings they will try and get any possession proceedings suspended by coming to an agreement with the Court and your landlord about how you can successfully manage your tenancy going forward. If you have been issued with notice due to anti social behaviour you may be advised to seek some independent legal advice on the matter, such as through Shelter, who can possibly provide you with representation at Court should the situation progress to that level.

What happens if I become homeless?

If you are evicted from your accommodation and become homeless the housing options team will undertake an assessment if you are not already open to them or will update your existing application to reflect the fact that you are now homeless.

The local authority may have a duty to provide you with temporary accommodation whilst they make enquiries into your situation for a set period of time if you are classed as being in priority need. If you are aged 18, 19 or 20 and you were looked after, accommodated or fostered by a local authority while aged 16 or 17 you will be classed as priority need. You will not have a priority need if you are still looked after accommodated or fostered, or a relevant student. You will also be considered priority need if you have a dependent child or children, or are pregnant.

The temporary accommodation that you are offered will depend on what is available at the time and the local authority cannot guarantee that it will be within the borough of St Helens, it may be hostel or hotel accommodation in another part of the North West, such as Liverpool, Manchester, Warrington, Widnes or elsewhere.

What does intentionally homeless mean?

If you are evicted from your tenancy due to a breach of your tenancy agreement, such as not paying your rent when you could afford to do so or engaging in anti-social behaviour activities at your tenancy or you voluntarily leave your tenancy without identifying another secure place to live before you give your keys in, you may be deemed to have made yourself homeless intentionally.

If you lose accommodation because of something you deliberately did or deliberately failed to do and it would have been reasonable for you to continue to live there, then you are likely to be considered to have made yourself homeless intentionally. If this decision is made by the local authority the support you receive will be more limited in terms of accommodation provision. Temporary accommodation may only be provided for a limited period of time, and you may be excluded from the housing register for a lengthy period of time. Other registered social landlords or supported housing providers may be reluctant to provide you with accommodation if you do not conduct your tenancy in a satisfactory way and are evicted from it so you may struggle to find other accommodation. Alternative accommodation options may be limited within the borough to hostels or the private rented sector if affordable.

And finally…

There is so much to learn in such a short time. It is really important you speak to your PA, housing officer or someone in your support network if you find you are having issues. Losing a tenancy can have long term implications for you, but prior to this, you will be given every opportunity to work with support services to make a success of it.

Go for it and make it feel like home – somewhere where you feel safe and happy 😊

Pamper Yourself

It is really important to be kind to yourself and what better way to do this than a pamper day! Here are some different tips and ideas to practise good self-care.

Take a Bath or Shower

The warm water will definitely soothe tired and aching muscles. Other benefits are improved sleep, lower blood pressure and blood sugar, reduces anxiety, and decreased migraines and tension headaches.

DIY Beauty Products

Why not try making your own beauty products? We have plenty of time to experiment and they are all on a budget!

Make your own:

Meditate with Candles

Turn off those bright, artificial lights and light up some candles and meditate. This relaxes your mind and gives you a peaceful feeling. A good thing to add to meditating are natural sounds such as birds chirping or ocean waves hitting the shore. You can find these sounds on apps that are discussed in the 'Looking After Your Emotional Health' section.

Nail Love

Paint your nails, give yourself a manicure and why not try different nail art designs. Here are 50 different nail designs.

Stay Active

Here are some fitness ideas for you. If this isn't for you, there are lots of other ways to stay active including: walking, dancing, skipping, yoga... to name a few!

Workouts Without Equipment

All exercises are 1 set.
Complete the set 4 times.
Take a 1 minute break in between each set.
Complete the workout 3 times a week!

Instagram Fitness Influencers

@thebodycoach Joe Wicks offering workouts and healthy food ideas.
@alexandrashappybody offering 10 minute workouts and healthy food ideas
@rwl offering a variety of scheduled workouts including yoga and dance.

YouTube Fitness Channels

Free Apps for Running

Human: running app for beginners nudging you to complete at least 30 minutes of exercise a day.
Couch to 5K: an app that build you up to running 5K.
Nike+ Run Club: For more advanced runners offering competition between runners and GPS maps.
Strava: For a mixed variety of runners where you can compete and track how far you have gone.

St Helens Sports Development Team

The St Helens Sports Development Team are keeping us active at home with a variety of online work outs that you can do in the comfort of your own home.

Fancy a Challenge?

Activities With Your Children

Here are some fun activities you can do with your child/children:

Flying Fish

Here's a step-by-step guide on how to make Japanese Flying Carp.

Playdough Recipe

Did you know you can make playdough in next to no time from everyday ingredients found in your kitchen cupboards? Save money and involve the kids in this thrifty kitchen craft activity.

Makes 1 coloured ball
Prep 10 minutes

You will need:

8 tbsp plain flour
2 tbsp table salt
60ml warm water
Food colouring
1 tbsp vegetable oil

Method

Mix the flour and salt in a large bowl. In a separate bowl mix together the water, a few drops of food colouring and the oil.
Pour the coloured water into the flour mix and bring together with a spoon.
Dust a work surface with a little flour and turn out the dough. Knead together for a few minutes to form a smooth, pliable dough. If you want a more intense colour you can work in a few extra drops of food colouring.
Store in a plastic sandwich bag (squeeze out the air) in the fridge to keep it fresh. You can make a batch of colours and give away as kids’ party bag favours or hold a playdough party for your child’s next birthday.

Milk Carton Elephants

Here's a step-by-step guide on how to make Milk Carton Elephants.

Home Made Prints

So easy to make!

A cup of salt
A cup of plain flour
1/2 cup of water
Knead and roll into a shape of your choice on a greased baking tray
Do your prints then bake at 180 degrees for 45 mins
Allow it to cool down then decorate

Twirling Lovebugs

Here's a step-by-step guide on making Twirling Lovebugs.

Rainbow Butterfly Footprint

A lovely keepsake!

Start by squirting each of your rainbow colours onto a palette. Squirt your paint onto a paper plate to save washing up!
Paint a stripe of each colour across your child's feet. Paint quickly to make sure you don't allow the paint to dry out. For babies and young children it may be easier to take the prints while they are sitting down.
Print your child's feet onto a piece of paper or card. Keep the prints close to each other and make sure the outer edge of each of the print is in the middle of the butterfly print.
Draw the butterflies body between the footprints using a black pen.

Arts & Craft Links

Here are some more links for arts and crafts ideas for children!

Have Fun & Make Amazing Memories

Creative Arts

Why not feed your inner creative flair and give creative arts a go. Come to one of our monthly sessions at your Hub, or just give it a go at home...

Drawing & Colouring

Here's a guide on how to draw animals.

How about trying some online colouring and you there are some brilliant mindfulness colouring tools too.

Online Craft Projects

You can find lots of different craft ideas on Pinterest.
Crafts by Amanda also has lots of adult craft ideas.
Facebook craft groups include: artncraftidea and 2 minute craft ideas.
Red Ted Art craft ideas.

Theatre & Musicals

St Helens Theatre Royal are keeping us entertained in lockdown and are planning virtual shows!
Andrew Lloyd Webber has launched a YouTube Channel, The Show Must Go On, to deliver virtual musicals for you all to enjoy!

Art

Heart of Glass are an organisation that use art to bring the community together. They have held many projects in St.Helens that have shown care and compassion through art. They are keen to reach out to you virtually.

Cook Something New

Now is a perfect time to try some cooking skills! Here are some quick recipes that you can try on a budget.

Food hygiene is really important. Find advice on food hygiene and food safety.

Breakfast Ideas

Scrambled Egg for 1

Ingredients

Method

Cut the bagel in half and lightly toast the bready side.
Meanwhile crack open the egg and whisk with a dash of milk and add butter. Cook on a medium heat whisking to make scramble egg. Season with pepper.
Slice the tomato and place a layer of tomato on the bagel and top with scrambled egg, place the top on the bagel.
Alternatively use wholemeal bread or seeded batch loaf.

Breakfast Omelette for 1

Ingredients

Method

Cook the sausage under a hot grill for 8 – 10 minutes, turning them occasionally until browned. Cook the bacon under the grill for 5-6 minutes turning once until crisp and golden. Cool slightly, then slice the sausages and cut the bacon into bite – sized pieces. This could be done the night before, simply chill until required.

Heat the oil in a frying pan and add the mushrooms and cook for 3 – 4 minutes or until golden. Add the tomatoes and cook for a further 1 minute. Remove the pan from the heat, add the sausages and bacon and mix well.

Beat the eggs with a little black pepper. Pour into the pan and stir for 1 minute until the eggs begin to cook. Shake the pan to level the surface. Cover the pan and cook for 5 minutes or until the surface has almost set. Remove the baking sheet then cook the omelette under a hot grill for 2-3 minutes until firmly set. Cool slightly before serving.

Mexican Style Eggs

Ingredients

Method

Warm the oil in a frying pan, then add the onion, garlic and chilli and continue to cook for a couple of minutes, add the tomatoes and paprika.
Cook for 5 minutes then make 4 wells in the sauce and crack in the eggs, cover with a lid and cook for 8 – 10 minutes or until the whites are set.
Serve with crusty bread / toast / bagels / wraps.

Lunch/Dinner Ideas

Wraps

Ingredients

Chicken breast/beef/quorn (one meat) cut into strips
1 red pepper de-seeded, cut into strips, 1 red onion thinly sliced
2 cloves garlic sliced
Olive oil
Choice of spices (dried chillies, mixed herbs, Cajun spices)
Tortilla wraps

Method

Warm oil in a wok or frying pan.
Add the sliced meat, gently fry until golden.
Add the sliced peppers, garlic & onions until sizzling.
Stir in spices of choice.
Place onto open tortilla fold & serve.

Carrot Soup for 4

Ingredients

Method

Peel and chop up the onion and fry it in the oil at the bottom of the saucepan until it is golden.
Clean and chop the other vegetables.
Add the vegetables and the stock to the onion.
Bring to the boil and simmer for 30 – 45 minutes until the ingredients are soft.
Allow to cool a little, and mash the soup or put it through a blender.
Add the milk and bring back to serving temperature (but don’t boil it as the milk may curdle).
Serve with plenty of fresh crusty bread.

Handy Hint

Mashing the soup with a potato masher will help thicken it.
Use ‘Low Salt’ vegetable stock cubes.

Once you have got the hang of making soup you can make it with any ingredients you have to hand or left over.

Broccoli and Cheese Soup for 4

Ingredients

1 onion, chopped
300g (10 oz) broccoli florets
450ml (3/4 pint) vegetable stock*
450ml (3/4 pint) semi-skimmed milk
60g (2 oz) mature Cheddar cheese, grated
Pinch of freshly grated nutmeg (optional)
Salt and freshly ground black pepper

Method

Place the onion, broccoli and vegetable stock in a saucepan. Bring to the boil and simmer for about 15 minutes or until the vegetables are soft.
Liquidise the soup using a hand blender or food processor.
Return to the saucepan with the milk. Heat until almost at boiling point.
Add the grated cheddar cheese, stirring until it melts.

Easy Peasy Soup for 4

Ingredients

1 onion
Olive oil
200g frozen peas (or 2 tins of peas)
Fresh mint (optional – dried herbs work well)
500ml vegetable stock
100ml milk (optional)

Method

Peel and chop up the onion.
Heat onion in a pan with 1 tablespoon of olive oil.
Add 500ml of water & add 200g of frozen peas. Bring to the boil.
Simmer for 2 minutes.
Allow to cool a little.
Place everything in a blender with fresh mint and blend until smooth (or use a potato masher).

Dinner/Tea Ideas

Tortilla Pizza

Ingredients

Method

Preheat oven Gas 4 180C.

Spread the tomato puree/ passata onto one side of the tortilla.
Place all the other ingredients onto the tortilla, layering the cheese on last.
Place another tortilla on top of the ingredients and place in preheated oven. For approximately 10 minutes.

Sausage Casserole

Ingredients

450g (1lb) reduced fat sausages
1 leek, sliced
2 carrots, sliced
6 mushrooms, sliced
1 green pepper, de-seeded and sliced
2 tablespoons tomato puree
1 tin of tomatoes
½ pint stock
1 tsp dried herbs
1 teaspoon vegetable oil
1 heaped tablespoon plain flour
Frozen veg works just as well and you can use how much you need.

Method

Brown the sausages by dry-frying them in a large saucepan, turning frequently or brown under the grill. When browned place in a casserole dish.
Warm 1 teaspoon of vegetable oil in the saucepan; add the leeks, carrot and pepper.
Cook for 2-3 minutes until softened. Stir in the tomato puree and the flour mix to a paste.
Gradually add the warm stock and then add the tinned tomatoes. Bring to the boil, stir in the sausages, sliced mushrooms and herbs.
Cover with a lid or tin foil and simmer for a further 15 minutes or until vegetables are tender.

Spaghetti Bolognese

Ingredients

1 tablespoon oil
1 onion, finely chopped
2 cloves garlic crushed or finely chopped
200g (8oz) mince (use beef, pork, turkey, quorn)
400g can chopped tomatoes
4 tablespoons tomato puree
2 teaspoons dried mixed herbs
200g (8oz) mushrooms, sliced
1 medium carrot grated
400g dried spaghetti
¼ pint stock

Method

Heat oil in a large saucepan and add mince.
Brown the mince, stirring to prevent it sticking.
Pour off any excess fat, which has come out of the mince.
Add the onion and garlic to the mince and cook for another 2 minutes
Add the tomato puree, chopped tomatoes, herbs, grated carrots and mushrooms.
Bring the sauce to the boil, then add the beef stock, simmer gently for 30 minutes.
Check the seasoning, pepper if wish; serve with spaghetti or other pasta.
Make a large batch and add mixed beans and chilli powder to make chilli con carne which can be served with jacket potatoes.

Chicken Pie

Ingredients

2 chicken breasts, chopped into bite-size chunks
1 leek, finely sliced
1 carrot, chopped
Mushrooms
225ml/8fl oz low-sodium chicken stock
2 tsp wholegrain mustard
85g/3oz light soft cheese
2 tbsp chopped tarragon leaves
2 sheets filo pastry

Method

Heat oven to 200c/180c fan/gas 6.
Heat 1tsp oil in a medium frying pan. Fry the chicken until browned, remove from the pan and set aside. Add the leek, Mushrooms and a splash of water, and gently fry until soft, about 7 mins. Add the carrot and cook for 3 mins more. Pour in the stock and boil until reduced by half, then add the mustard and soft cheese, stirring well to combine. Return the chicken to the pan, add the tarragon and some seasoning.
Divide the mixture between 2 small ovenproof dishes. Take the filo sheets and scrunch them up. Top each pie with a sheet and brush with remaining 1 tsp oil.
Cook the pies in the oven for 15 mins, until pastry it's golden.
Using filo helps keep this pie low in saturated fat, why not add sweet potato wedges to boost your veg count.
Alternatively top with mashed potato.

Creamy Ham, Mushroom and Leek Pasta

Ingredients

Method

Heat 1tsp oil in a medium frying pan.
Fry the mushrooms and Leeks gently until soft.
Add the carrot.
Pour in the stock, add the pasta and boil until the pasta has softened.
Add the mustard and soft cheese, stirring well to combine.
Add the ham and black pepper to taste.

Chilli Con Carne for 4

Ingredients

Method

Brown the mince for a few minutes in a non-stick pan.
Add the chopped onions & garlic.
Add Tomato Puree & Tinned tomatoes.
Add grated carrot & crumble in the stock cube.
Add beans. Simmer for 25 minutes.
Add diced pepper and cook for 10 minutes.

You are ready to serve, the dish can be served with boiled rice, jacket potatoes, or tortilla wraps.

Chicken and Leek Pie

Ingredients

2 chicken breasts, chopped into bite-size chunks
1 leek, finely sliced
1 carrot, chopped
Mushrooms
225ml/8fl oz low-sodium chicken stock
2 tsp wholegrain mustard
85g/3oz light soft cheese
2 tbsp chopped tarragon leaves
2 sheets filo pastry

Method

Heat oven to 200c/180c fan/gas 6.
Heat 1tsp oil in a medium frying pan. Fry the chicken until browned, remove from the pan and set aside. Add the leek, Mushrooms and a splash of water, and gently fry until soft, about 7 mins. Add the carrot and cook for 3 mins more. Pour in the stock and boil until reduced by half, then add the mustard and soft cheese, stirring well to combine. Return the chicken to the pan, add the tarragon and some seasoning.
Divide the mixture between 2 small ovenproof dishes. Take the filo sheets and scrunch them up. Top each pie with a sheet and brush with remaining 1 tsp oil.
Cook the pies in the oven for 15 mins, until pastry is golden.
Using filo helps keep this pie low in saturated fat, why not add sweet potato wedges to boost your veg count.
Alternately top with mashed potatoes .
Also a great way of using leftovers from a Sunday dinner/ Christmas dinner.

Beef and Tomato Bake for 4

Ingredients

2 onions, roughly chopped
2 tsp olive oil
500g lean minced beef (quorn)
1-2 tsp mild chilli powder
2 tsp ground cumin
400g can of chopped tomatoes
600ml beef stock
1 garlic wholemeal baguette, split into slices

Method

Brown the mince in a non-stick pan for a few minutes, then tip into a bowl.
Tip the onions into a bowl. Tip the onions into the pan with the oil, then cook for one minute more.
Return the mince to the pan with the tomatoes and stock, then bring to the boil. Simmer for 20 minutes.
Turn the oven to fan 180/conventional 200/gas 6.
Spoon the mince into an ovenproof dish, then arrange the baguette slices over the top.
Bake for 12 minutes, until heated through and the bread is crispy on top.

Chicken Nuggets for 4

Ingredients

Method

Preheat the oven to 200ºC/400ºF or gas mark 6.
Cut the chicken breasts into small chunks.
Combine the breadcrumbs, cheese and garlic powder together and place the mixture in a large plastic bag
Combine the egg and water in a bowl. Dip the chicken pieces into the egg mixture and then drop into the plastic bag.
Place the coated chicken pieces on an oiled tray. Bake for 10/15 minutes or until tender and golden brown, turning once midway through cooking.

Tip: At stage 3 when making the breadcrumbs any seasoning may be added e.g. grated cheese, garlic powder, sesame seeds, black pepper, herbs or spices.

A great but messy dish to make with kids. Plastic bags help keep mess to a minimum.

Potato Wedges

Ingredients

4 large potatoes
1 x 15ml tablespoon of oil
Mixed herbs

Method

Preheat the oven to 200ºC or gas mark 6. Place the baking tray in the oven.
Peel the potatoes and cut into large chunks (8 per potato).
Place the potatoes in the mixing bowl, pour the oil over and sprinkle on the herbs.
Mix the potatoes with the oil and herbs.
Remove the baking tray from the oven.
Carefully place the potatoes on the tray, and place back in the oven.
Bake for 45-50 minutes, turning them over after 25 minutes, until golden.

Curry

Ingredients

1 tsp oil
2 chicken breast
1 onion, diced
1 garlic clove, crushed
3 tablespoons curry powder or paste
1 tablespoon plain flour
2 tablespoons tomato puree
1 pint chicken stock
Courgettes, mushrooms or tinned tomatoes (optional)
Alternatively use jar of premixed sauce

Method

Heat the oil in a deep frying pan. Add the chicken, onion and garlic and cook over a low heat for five minutes to colour the chicken and soften the onion.
Add the curry powder, tomato puree and flour and stir for 1 minute.
Add the chicken stock and season to taste. Bring to the boil, then reduce the heat and simmer gently for 20 minutes.
At stage three you could add tinned chopped tomatoes, sliced courgettes or mushrooms.
Serve with rice and top with low fat Greek yogurt if desired.

Dessert/Pudding Ideas

Speedy Sticky Pears

Ingredients

410g can of pear halves in natural juice, drained
1.5tsp granulated artificial sweetener OR 2 tsp sugar sprinkled over
Low fat cooking spray
100g Low fat plain fromage frais
Pinch of ground cinnamon or ice cream/cream /yogurt

Method

Heat a non-stick frying pan on a medium to high heat. Drain the pears on kitchen towel and sprinkle over 1/2tsp of sweetener. Lightly coat the frying pan with low fat cooking spray, add the pears and cook for 2 minutes each side until caramelised (sticky and going golden in colour).
Meanwhile, mix the fromage frais together with the cinnamon and the remaining sweetener. Spoon over the caramelised pears.

Tinned Apple or Pear Crumble

Ingredients

225g (8oz) plain flour
115g (4oz) sunflower spread
55g (2oz) porridge oats
55g (2oz) sugar or 3tsp granulated sweetener
2 tins of apples or pears or a mix of both

Method

Open the tins of apples or pears and place in oven proof dish.
For the crumble topping, rub together the flour and sunflower spread in a mixing bowl until the mixture resembles fine breadcrumbs. Stir in the porridge oats and sugar.
Place the cooked apples in the base of a lightly greased heatproof bowl. Sprinkle over the crumble topping and level the surface.
Place in a pre-heated oven for 35-40 minutes, or until the topping is golden.
Serve hot or warm with natural yogurt, or custard made with skimmed milk.

Handy Hints

Use wholemeal flour to make pastry or biscuits with extra fibre. For extra flavour and texture sprinkle 1 teaspoon (5ml) of ground cinnamon and 50g (2oz) Californian seedless raisins over the apples before covering with the crumble topping. Freeze the Crumble on the day of making and use within one month.

Bread and Butter Pudding for 4-6

Ingredients

Method

Pre-heat the oven to 180C/350F/Gas mark 4.
Spread the bread with butter/margarine and cut into quarters diagonally.
Arrange one third of the bread triangles in a lightly oiled baking dish, with the crusts to the bottom and the point of the triangle uppermost.
Sprinkle the sultanas and nutmeg among the layers as you go.
Continue layering the triangles until the bread has been used up.
Combine the sugar, eggs, and milk and then pour the mixture over the bread.
If you have time, allow to stand for 20-30 minutes for the custard to soak the bread.
Bake for 30-40 minutes until the custard is set but wobbly and the top is beginning to brown and crisp. Reduce the heat if the top browns too quickly.

This pudding is warming and comforting, great for cold days! You can substitute sultanas for banana slices or stewed plums – delicious!
If you are cooking for one, you can halve the recipe (and just use one egg for the custard mixture) to make pudding for two days. It’s also easy and cheap to make.