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Two thirds of UK adults worry about finances ahead

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Two thirds of UK adults are concerned about their finances in the months ahead, according to a survey by TSB and Lightning Reach of more than 2,000 adults.

The survey found 38% said their finances had worsened compared with the same point last year, while 31% had cut back on essentials such as food, heating and gas to make ends meet. A quarter had used savings to cover everyday costs, 16% had borrowed from family or friends, and 15% had missed or delayed a bill or payment.

The figures suggest household budgets remain under pressure, even as some people keep a closer watch on their money. Almost half of respondents said they budget every week, including 10% who do so every day. Another 32% budget once a month, while 12% said they never budget.

Debt pressure

The picture on borrowing was mixed. While 41% said they had no debt and 33% said their debt was under control, 12% said it was becoming difficult to manage and 6% said they had fallen behind on payments.

Among the 51% who said they had debt, 42% said it had increased and 25% said it had fallen, indicating debt pressure is worsening for a sizeable minority.

Energy costs also remain a major burden. A third of respondents said they spend between 5% and 10% of household income on energy bills, 28% spend between 11% and 20%, and 17% spend between 21% and 30%. One in 50 households said they spend more than 30% of their income on energy.

Separate data from Lightning Reach showed 66% of its 300,000 customers are struggling with home energy costs. Of those customers, 78% have a disability and 39% are single parents.

Barriers to help

The research also highlighted why financial support often goes unused. A quarter of respondents said they would not feel comfortable asking for support even if they needed it, while 35% said they would not know where to turn for help.

Almost one in five said they had given up when applying for support. Among them, 38% said the process was too long and complicated, while 32% said they felt too embarrassed to seek help.

The issue is significant because large sums of support remain unclaimed. TSB and Lightning Reach said £23 billion in benefits, grants and other support goes unclaimed each year.

Over the past five years, the Lightning Reach portal has connected users with £25.5 million in grants. More than a quarter of recipients received help with energy and bills, 11% received support for furniture and appliances, and 9% received help with food and essentials. The average award was £610.

Talking finances

The survey found many people still struggle to talk openly about money problems. While 66% said they were confident discussing their finances, 34% said they were not very confident and 13% said they were not confident at all.

Charities and debt specialists were the preferred option for discussing financial concerns, chosen by 88% of respondents, followed by banks and partners, both on 87%. By contrast, 31% said they were not confident speaking with family and 32% were not confident discussing financial matters with friends.

Ren Yi Hooi, Founder and Chief Executive of Lightning Reach, said: “With many households facing growing financial challenges, we aim to make it as quick and seamless as possible to access support in one place, breaking down barriers such as stigma, repetitive form filling and lengthy paperwork.

“There’s much more support out there than people realise, so it’s worth taking 10 minutes to check whether you might be eligible for one or more of the 2,500+ schemes on the Lightning Reach portal.”

Keely Newman, Head of Vulnerable Customers at TSB, said: “With concerns over finances rising, we are always pleased to hear of our customers accessing vital support through Lightning Reach, which can make all the difference to people’s budgets and wellbeing.

“If you find yourself in need of support, we’d encourage households to check their eligibility for a grant and contact their bank or a charity for advice and debt management.”

StepChange Debt Charity said early support can change outcomes for people under strain.

Vikki Brownridge, Chief Executive of StepChange Debt Charity, said: “Uncertainty around household finances is rising, adding to several years of cost-of-living pressures that haven’t gone away. Early intervention can make a real difference for people struggling with debt, and it’s vital that people know where to access support. In fact, 85% of StepChange clients say they would have sought help sooner if they could go back in time.

“For anyone struggling with debt, it’s important to speak to your creditors, who can offer tailored support and guidance. Free, impartial and non-judgemental debt advice is also always available from charities like StepChange.”



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Network Rail will not reopen Botley Road early despite completion

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Gas network company SGN confirmed it had repaired three minor gas leaks and left the site on Monday, August 3, six days earlier than expected.

The leaks were discovered during excavation works last month and contributed to the pushing back of the road’s reopening date, yet again, to September 20.

The completion of the gas mains replacement marked a significant step forward in the wider Oxford Station improvement project, which was originally budgeted at £161 million but is now expected to cost at least £237 million.

The development prompted hopes that Botley Road, closed beneath the rail bridge since April 2023, could reopen earlier than planned.

However, Network Rail has moved to manage expectations, saying the project remains on course to meet its existing target date rather than finish ahead of schedule.

A Network Rail spokesperson said: “We’re pleased that SGN has completed its gas mains replacement work.

“While this is an important milestone, it doesn’t necessarily mean the overall project will finish early as some remaining work is dependent on access to the railway, which we have had to rearrange to enable the replacement of the gas main.

“Our focus remains on meeting our planned deadline of 20 September for reopening Botley Road to traffic.”

While the completion of the gas works removes one of the most recent obstacles facing the scheme, Network Rail says further work under the bridge and around the station is still needed before the route can reopen to traffic.





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40-year-old Oxfordshire gymnastics club at risk of closure due to heat

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The club is currently struggling in the summer heat, and has launched a new fundraiser to keep its gymnasts safe.

The club, which is based at Grove House Barn near Warkworth in Banbury, launched the fundraiser so it could buy and install four air conditioning units to keep its space cool.

Currently, the club hopes to raise £7,000 through the appeal so it can buy four 10kW air conditioning units and cover all the installation costs.

So far, the club has raised £380.

Karl Wade, director of Wade Gymnastics, said the club has become “increasingly warm” during the summer months due to the rising temperatures.

READ MORE: Thames Water leakage targets are ‘not realistic’ says boss after pay rise

Wade Gymnastics at Grove House Barn in BanburyWade Gymnastics at Grove House Barn in Banbury (Image: Google Maps)

“Despite our best efforts to keep doorways and shutters open, it becomes very uncomfortable for gymnasts to play and train,” Mr Wade said.

He added: “The safety of our gymnasts and coaches is always our utmost priority.

“Unfortunately, the risk of having to close the business during these hot spells is increasing and we need to have more effective ways of keeping everyone cool.

“An air conditioning system would allow the business to stay open during those extreme hot conditions and continue to provide classes for everyone who attends.”

The gym currently delivers classes seven days a week for around 900 people, which range from toddlers to athletes competing at national level.

The gym club was founded more than four decades ago by Ruth Wade and, for the past 20 years it has been based at its current facility.





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Solihull Council appoints ICS.AI for AI discovery phase

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SOFIAH NICHOLE SALIVIO

News Editor

Solihull Council has appointed ICS.AI to deliver the first phase of an AI Transformation Discovery programme to examine how artificial intelligence could be used across several resident-facing services.

The 24-week programme will review opportunities in Adult Social Care, Children’s Services, Economy & Infrastructure, and Public Health. It is intended to help the council decide where AI could be used and where future spending should be directed.

In this first phase, ICS.AI will assess the council’s readiness for AI and identify use cases across the four service areas. The programme is expected to produce a prioritised shortlist of about 200 use cases, including 50 validated from a finance perspective, alongside a longer-term AI Transformation Roadmap.

The work is intended to create an evidence base before any wider implementation decisions are taken. Ethics, privacy, and safeguarding will be considered throughout the assessment process.

Discovery phase

ICS.AI will use its AI Target Operating Model framework to review Solihull’s current position across five dimensions before ranking opportunities. The outputs will be based on council-owned baseline data and reviewed by public sector specialists.

The approach reflects a broader pattern among local authorities exploring AI in service delivery while facing pressure to justify spending and manage risks around data use and public accountability. Councils have also been seeking clearer business cases before committing to larger technology programmes.

Solihull said the discovery exercise would support a measured approach to service modernisation. The authority wants to identify where AI could improve services for residents while also demonstrating value for money.

“We are committed to taking a well-considered and planned approach to modernising the services we provide. By building a strong evidence base for future decisions, this programme will help us understand where the greatest AI opportunities exist. We will then be able to prioritise those improvements that will deliver the greatest benefit for residents, while ensuring full value for the council,” said Councillor Dave Pinwell, Cabinet Portfolio Holder for Resources, Solihull Council.

Public sector focus

ICS.AI said the Solihull engagement builds on work it has carried out with more than 20 public sector organisations using its AI transformation and discovery assessments. Those organisations include Derby City Council.

The company focuses on AI projects for the public sector, where interest has increased as authorities look for ways to manage demand pressures in social care, public health, and other frontline services. At the same time, councils are under scrutiny to show that new technology investments are proportionate and supported by practical evidence.

Dwayne Johnson, Chief Local Government Officer at ICS.AI, said local authorities need stronger justification before committing funds. “Local authorities need confidence that every investment is backed by robust evidence and long-term value for residents. Solihull Council is taking the right approach by starting with a structured discovery programme that builds a clear understanding of priorities before decisions are made. By developing finance-validated business cases and a practical roadmap, the council can be more proactive in the decisions it makes,” he said.

The programme’s initial outputs are expected to give Solihull a ranked view of where AI could be applied across services, the level of organisational readiness, and which projects may warrant further consideration. This first phase is focused on identifying options rather than moving directly into deployment.

For local government leaders, that distinction is becoming increasingly important as councils test AI in areas that affect vulnerable residents and essential public services. In Solihull’s case, the work spans some of the authority’s most visible functions, including care services, children’s provision, public health activity, and parts of local infrastructure planning.

The council aims to use the findings to inform later investment decisions through finance-validated business cases and a practical roadmap for future priorities.



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