Young man looking down taking money out of his wallet to pay for something

The Impact of the Cost of Living Crisis

14th October 2022

The Cost of Living crisis has pushed many people into energy, food and housing insecurity. For those living on the poverty line, homelessness can be  just one unexpected expense away for those living on the poverty line.

Of all, young people are the most vulnerable group.

In Bristol, people are made vulnerable to homelessness through a variety of factors, including facing the highest private rental costs outside of London. Someone under the age of 25 also faces lower entitlements to Universal Credit and higher chances of having a zero hours contract. This means their incomes are lowest and are highly unpredictable.

Consequently, young people are disproportionately affected when facing the same costs of living as the rest of the population. This can leave them unable to afford food, energy and rent at a crucial point in their development.


Here at 1625 Independent People, we provide young people with free financial support to build a young person’s skills ensuring they can tackle the cost of living crisis, lift themselves out of homelessness and continue to thrive.


Our Cash Pointers toolkit provides  both practical financial support and a restorative relationship at a crucial developmental stage in young people’s lives.

Our financial support reaches  three different groups of young people:

  • Young people who are still homeless or to establish bank accounts, accessing benefits etc.
  • Those living independently for the first time. Providing support with paying bills, finding cheaper utility companies, council tax, budgeting ect.
  • Those maintaining a tenancy. Supporting with rent or council tax arrears, debt advice, utilities bills, phone contract, managing the costs of having children ect.


Through our support 1625 has seen up to 72% of young people in our services improve their financial circumstances and have built confidence in money management.


Fred’s Story

After having to use his Universal Credit on food shopping, Fred went into an unauthorized overdraft. Consequently, Fred’s employment and support allowance was used up by his bank charges.

Fred struggled to cope with the stress, resulting in low mood which also triggered physical health problems. He entered what he called a period of ‘self-sabotage’.

He felt too overwhelmed to go to the shops and briefly left Bristol. After receiving a call about the money he still owed to the bank and the service provider, he realised something needed to change. He contacted his 1625 Housing Officer, explaining his situation.

Fred agreed to meet with an  adviser. They discussed bank accounts, unauthorised overdrafts and how to avoid bank charges.

After exploring his options, they agreed to contact his bank together. They also role-played talking to the bank to prepare Fred. Fred felt nervous about speaking on the telephone, so they used online chat. After the online chat, Fred said he felt more confident and could contact his bank on his own in future.

Fred’s bank agreed to refund charges totalling £180 as a goodwill gesture. They gave Fred lots of information on preventative measures that he can put in place to avoid this happening again. Fred reactivated alerts for his account and started checking his bank statements more regularly. Critically he started paying his rent again and spoke to his internet provider to negotiate an affordable debt repayment plan.


If you would like to read more about our services and how they support young people across Bristol, Bath and the South West, you can see our impact report here.

In other news...
  • A blue banner with the words Not Everyone Goes Home for Christmas and a photo of a mother and child 28th November 2023

    As the festive season approaches, many of us are filled with excitement and anticipation for the warmth of home and the joy of family gatherings. However, it is important to remember that this is not the reality for everyone. This Giving Tuesday let’s shine a light on the young people in our community who don’t […]

  • A banner containing the words volunteer spotlight on a blue background with a photo of Pete. 16th November 2023

    Read about Pete’s journey from retired nurse to volunteer mentor for our Sout Glos team in our latest Volunteer Spotlight Blog. Discover how he overcame challenges and found fulfillment in mentoring young lives. What drew you to become a volunteer mentor?   Having proudly been a State Registered Nurse from age eighteen and now sixty-five, retirement […]

  • 13th October 2023

    As we celebrate our 40th anniversary, it’s time to reflect on the incredible journey of 1625 Independent People and the impact we’ve had on countless lives. Dom Wood, CEO, said, “I have been with 1625 Independent People since 1996 but the organisation started 13 years before that.  As I look back at what has been […]

  • > 5th October 2023

    Focus: Independent Labour Party (ILP) occupying Kingsley Hall It is hard to see beyond what we have only ever known. As such, it is difficult to imagine Kingsley Hall in 1911 as a puzzle piece fitting into an international political jigsaw. This blog will discuss the Independent Labour Party’s activities in 1911, the year they […]