Blog written by Steve Raw, Managing Director of Dosh
Sitting in the car park of the venue for today’s Money Awareness Training waiting for the caretaker to arrive, I am thinking about who I will meet and how the workshop will pan out during the course of the day. It is the feeling of excitement I always experience and is similar to the one I had a couple of weeks ago when I arrived for the training I would be delivering with a colleague in the Scottish Borders.
Whilst this is not my main employment (I am/have been the Managing Director of Dosh* since 2009), it is something I love doing and I think I can speak on behalf of my co-presenters, when I say that they love it too.
Introduction to the workshop and why
Several years ago, a support provider for people with a learning disability experienced some difficulties around their support with money. They had received a warning notice from a regulator that they needed to remedy this situation urgently. My organisation (Dosh Ltd – Financial Advocacy at www.dosh.org) became part of the solution by delivering workshops across the country for their managers and leaders. This is something we quickly found we enjoyed and, from the feedback we received from delegates, were good at it too. Since then, we have been providing our training across England and Scotland. (Not yet in Wales or Northern Ireland, but never say never!)
What the workshop includes:
Each delegate receives a Money Awareness Workbook which includes information and resources.
Related. Dosh – Play the game featured in our workshop is an interactive a game which was specifically designed for people with a learning disability. Delegates also have an opportunity to play the paper version during our day together.
Delivering training to a team in Sutton in Cambridgeshire
Five things we can do:
What the day involves:
Chocolate! Yes, you read it correctly. We have an activity that you can actually eat and when your energy is beginning to sap, we come to the rescue with a liberal sharing of sweets.
We spend time getting to know our delegates, especially during the activities and the breaks. We find out what worries and challenges them and about supporting people with their money.
Working alongside our delegates as the workshop progresses.
We use a range of media and training methods including videos, film, power point, flip chart, paper exercises and Q & A sessions.
Five things that make us different?
Feedback from our recent workshops
“Very Informative” “Enjoyable, learning” “Nice and friendly speakers” “Friendly, nice speakers, learning enjoyable” “Enjoyable, easy to understand and interact” “It was spot on” “Very good well presented” “Enjoyable” “Enjoyed the day” “Good action points to take away” “Very good training session very informative” “Very informative and fun” “Valuable information and sweeties”
The best thing about today was: “Gaining more confidence around supporting people with their money” “I will, apply this to my work in the future”
If you would like to hear more about our training and would like to book a workshop, here are some of, out contact details
Information about our training: https://www.dosh.org/training-and-workshops-for-your-group-or-organisation/
email: Angela and Kerry [email protected]
email me: [email protected]
Note: * Dosh is a not-for-profit company, supporting adults with a learning disability to have more control and independence with their money, since 2007.
Kerry Measures March 31st, 2023
Many people who have a family member with a learning disability fear what will happen when they are no longer around to care for them.
This Blog covers some of the main things you can think about to help prepare for the future.
Creating a Discretionary Trust
Resources and support
Kerry Measures January 20th, 2023
Earlier in the year, Mark expressed that wanted to replace his trike and discussed the idea with his Dosh Financial Advocate who suggested he visit a supplier for a suitable Trike to get some prices.
Whilst shopping around it became clear that he would not be able to fund this solely on his own, but over the year Mark managed to save just over half the amount by following the budget he had agreed with Dosh to give him some savings so he would have more choices.
Mark and Dosh also looked around for additional funding and following further discussions we put together a grant application to his care and support provider for financial assistance.
Before putting in the application, Mark and Dosh discussed this with everyone involved so we all knew what we needed to do to achieve his goal.
Mark then came up with the idea that he could use his new trike to do a sponsored bike ride and raise the funds to repay the grant. We added this proposal to the grant application, what an excellent idea!
Success! The grants team loved the idea of paying it forward and agreed to give Mark the funds he needed, so the trike was ordered and payment was arranged.
Now as you can see Mark is off and enjoying life on the road!
Kerry Measures December 6th, 2022
How can I get support with Banking?
1. Tell the bank what support and changes you need to help you. Build up a relationship with your local bank, so that they know you and what you need.
2. Ask what reasonable adjustments they can make, for example, to help you take money out of your account easily. Ask what they can do for people with a disability.
3. Ask the bank staff to check with their specialist disability team. They can give staff extra support and information.
4. Ask about the different types of accounts they have.
Remember the important laws:
• The Equality Act says people with a disability must get equal access to banking
• The Mental Capacity Act helps people make their own decisions and explains how to check someone’s capacity.
• Banking laws on identity, data protection and clear information.
|With Capacity||Without Capacity|
|Support (Reasonsable Adjustments)||Appointee Account|
|Third Party Mandate||Court of Protection – Single Decision|
|Joint Account||Court of Protection – Deputy|
|Basic Bank Account||Lasting Power of Attorney (If this was set up when you had capacity|
|Ordinary Power or Attorney|
|Lasting Power or Attorney|
These accounts are slightly different with each bank.
They may have different names and work in different ways. Ask each bank to tell you what they have
How to deal with problems?
1. Ask them to explain their decision and what else they can do to help you.
2. Ask if they have a disability or customer services team that can help them or that you can talk to.
3. Speak to the manager in the bank.
4. Speak to the bank’s head office.
5. Make a formal complaint to the bank.
6. Report the problem to the Financial Ombudsman Service or Financial Conduct Authority.
7. Contact the Equality Advisory and Support Service helpline, Disability Law Service or Citizens Advice Bureau.
8. Think about taking the bank to court.
Kerry Measures October 10th, 2022
Being Bettina’s Dad – Being a Carer – A blog written by our Managing Director, Steve Raw.
This is Bettina. Bettina copes with autism and a learning disability.
Bettina is our pride and joy.
Dozing on the settee after a hard day’s work my pager started to beep. I woke up and phoned my transport department. They had the call that Joyce was going into labour, and they were sending a vehicle round to our flat to rush me to Berlin Military Hospital (BMH). We were 10 months into a two-year tour of occupied Berlin, and it was still a couple of years before the ‘Wall’ was to come down.
Within a couple of hours our beautiful daughter Bettina had come into our lives. It would be another 18 months before she was diagnosed with severe autism and a learning disability, but that didn’t matter to us (and still doesn’t) she is our beautiful daughter and love is enough. Being Bettina’s Dad: When love is not enough to keep you Safe and Secure – Leadership in the Raw
As I write this article, I have just received an invite from MacIntyre Families @MacFamilies https://www.macintyrecharity.org/ to be interviewed for a podcast. MacIntyre Families work with “all families ,siblings and circles of support to ensure voices are being heard, understood & importantly working together.”
So immediately I started thinking of the answers to potential questions and writing an article I could share which may help other carers and people who have an interest in supporting people.
Joyce and I are super organised and from the moment we got together we started planning. Having two daughters was always the plan, although I must admit that being a parent carer was not in the action plan.
“Most things don’t work out as expected but what happens instead often turns out to be the good stuff” Dame Judi Dench
On reflection, and 35 years of supporting Bettina, Dame Judi was quite right that it does indeed ‘turns out to be the good stuff’. ‘B’ as she is often referred to by her family, has enriched our lives and has taught us on what is important and what really is unimportant.
How has she done this?
Part 1. “Everybody has plans until they get hit for the first time”. Mike Tyson
1992 was not our family’s best year. Both my mum and father-in law passed away within weeks of each other; I had a severe bout of flu at the beginning of the year, and Bettina was permanently excluded from school halfway through her first term!
Part 2. “Make up your mind that no matter what comes your way, no matter how difficult, no matter how unfair, you will do more than simply survive. You will thrive in spite of it.” —Joel Osteen
We thrived in spite of it:
Part 3 – “I believe in being strong when everything seems to be going wrong. I believe that happy girls are the prettiest girls. I believe that tomorrow is another day and I believe in miracles.” Audrey Hepburn
Five fun things we get from being a carer for Bettina:
A quote for Bettina’s family and all carers:
“When written in Chinese the word “crisis” is composed of two characters – one represents danger and the other represents opportunity.”
Thank you, Bettina, for giving us a lifetime of opportunities.
Bettina with her big sister, Jennifer, and her dad.
Woolacombe Beach 2022
Picture courtesy of Joyce Raw (‘B’s tiger mum)
Kerry Measures July 27th, 2022