1. The Social Impact of the Austerity Measures on Households and Communities

2. The Context The faces behind financial planning…the ingredients for the “Perfect Storm”? Risk and mitigation…relative, absolute and material poverty Balancing the books…but busting the business

3. The faces behind financial planning… the ingredients for the “Perfect Storm”? 72% disability/major health concern 40% Incapacity Benefit or Employment and Support Allowance (ESA) 81% of households do not have anyone in employment 16% in receipt of JSA 60% (approx) have a household income (excluding HB) of less than £150 per week 42% report struggling to manage 41% say they run out of money before the end of the week/month A profile of existing Housing Benefit claimants under-occupying current Social Housing (A National Study)

4. The faces behind financial planning… the ingredients for the “Perfect Storm”? 71% reported they estimate they will lose up to £15 per week in HB 29% stated they would lose ≥£15 week 52% stated they would find it ‘very difficult’ to make up the shortfall 31% stated they would find it “impossible” to make up the shortfall 35% think it probable that they will run into arrears Material deprivation – families will have (after Housing costs) £12 per family member, per day

5. Risk and mitigation…relative, absolute and material poverty

6. A – Households with children B – of which = 1 child C – of which = 2 children D – of which = 3 children E – of which = 4 or more children F - All households

7. Modelling Communities Most at Predicted Risk Lower Super Output Areas are census based (about 1,500 people) and we’ve used the following datasets to look at the unequal distribution of risk within the Borough. Housing Benefit Benefits Dependency Indices of Multiple Deprivation Indices of Deprivation Affecting Children Crime data Anti Social Behaviour Data Schools related risk factors (ie permanent exclusion, free school meals, etc) Young people (10-17 year olds) coming to police attention Young people in the criminal justice system Community perceptions

8. Highest & Lowest Potential Risk LSOA’s in Sefton The above map shows the 30% of highest risk LSOA’s and 30% lowest risk LSOA’s Results of the Modelling; The Inequality of Risk

9. Schools Stock Profile Under- occupancy capping ACORN Deprivation impact on older people Welfare Ch/Centres School Exclusions Free School Meals Deprivation impact on children Deprivation (IMD) GP & Health Centres CVS org Crime IB / ISJSA ASB

10. Balancing the books…but busting the business Child Poverty – 36% of children living in Bootle Parliamentary Constituency already living in Child Poverty (defined as income 60% below of Median Income, constant over 1 year). Children in poverty less likely to realise their potential; academically and as an adult. Health Poverty – Predicted increase in Mental Health Services, Diet, Fuel Poverty – Children living in “cold homes” twice as likely to have respiratory problems than children in “warm homes”. Health Behaviours (Coping Strategies) – Risky health behaviours increase including smoking, alchol and drug misuse Time Poverty – Increased stress with coping with reduced finances; “making every penny count” All this feeds intergenerational disadvantage, transmitted, DNA like, generation to generation – The Poverty Gene.

11. Discussion Points Financial equality does not equate to an equal outcome! Equality Impact Statement – your model Impact and Implications – Understand the impact and predict the implications It’s a Social and Financial Model