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    • Former MSE Helen
    • By Former MSE Helen 23rd Jun 15, 1:31 PM
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    Former MSE Helen
    MSE News: Guest comment: MoneySaving tips for people facing the extra costs of disabi
    • #1
    • 23rd Jun 15, 1:31 PM
    MSE News: Guest comment: MoneySaving tips for people facing the extra costs of disabi 23rd Jun 15 at 1:31 PM
    Members of charity Scope's online community share their MoneySaving tips for cutting the extra costs of disabilities...

    Read the full story:

    Guest comment: MoneySaving tips for people facing the extra costs of disabilities




    Click reply below to discuss. If you havenít already, join the forum to reply. If you arenít sure how it all works, read our New to Forum? Intro Guide.

Page 1
    • BlondeHeadOn
    • By BlondeHeadOn 23rd Jun 15, 2:36 PM
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    BlondeHeadOn
    • #2
    • 23rd Jun 15, 2:36 PM
    • #2
    • 23rd Jun 15, 2:36 PM
    I'm disabled, so I read this thread with interest. I would say that many of these tips are for a general audience, not necessarily disabled people. Which is okay, but I was expecting something more specific.


    Good attempt though!
    • dazzy04
    • By dazzy04 23rd Jun 15, 5:02 PM
    • 2 Posts
    • 3 Thanks
    dazzy04
    • #3
    • 23rd Jun 15, 5:02 PM
    • #3
    • 23rd Jun 15, 5:02 PM
    Indeed, very useful tips here for a general audience, but I too was expecting something a little more specific.

    I would suggest that people contact their local social services team before purchasing any assistive devices as sometimes these can be provided free of charge.

    Also, for deaf people, fire brigades will often provide a vibrating pillow pad and/or flashing light for the fire alarm.
    Last edited by dazzy04; 23-06-2015 at 5:02 PM. Reason: typo
    • Butterfly Brain
    • By Butterfly Brain 23rd Jun 15, 9:41 PM
    • 8,736 Posts
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    Butterfly Brain
    • #4
    • 23rd Jun 15, 9:41 PM
    • #4
    • 23rd Jun 15, 9:41 PM
    Indeed, very useful tips here for a general audience, but I too was expecting something a little more specific.

    I would suggest that people contact their local social services team before purchasing any assistive devices as sometimes these can be provided free of charge.

    Also, for deaf people, fire brigades will often provide a vibrating pillow pad and/or flashing light for the fire alarm.
    Originally posted by dazzy04
    Great bit of information, thank you.
    Blessed are the cracked for they are the ones that let in the light
    C.R.A.P R.O.L.L.Z. Member #35 Butterfly Brain + OH - Foraging Fixers
    Not Buying it 2015!
    • Butterfly Brain
    • By Butterfly Brain 23rd Jun 15, 9:52 PM
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    Butterfly Brain
    • #5
    • 23rd Jun 15, 9:52 PM
    • #5
    • 23rd Jun 15, 9:52 PM
    Covers for scooter baskets are really expensive, I use a shower cap and it works a treat.

    Make sure that if you buy anything for your disability you can claim back any VAT on it.

    Incontinence pads for the bed are a rip off, use puppy training pads instead, they work just as well.
    Blessed are the cracked for they are the ones that let in the light
    C.R.A.P R.O.L.L.Z. Member #35 Butterfly Brain + OH - Foraging Fixers
    Not Buying it 2015!
    • BaldacchinoR
    • By BaldacchinoR 24th Jun 15, 9:36 AM
    • 131 Posts
    • 57 Thanks
    BaldacchinoR
    • #6
    • 24th Jun 15, 9:36 AM
    • #6
    • 24th Jun 15, 9:36 AM
    Cost of Disability - shoes. I saw a comment about how someone had adapted shoes to suit the disability. I have for more than 10 years had shoes made to measure for me via the NHS free of charge. I can get 2 pairs every 2 years but after having two pairs made, I did not re-order until 9 years later! You need a referral from your GP or specialist. My last two pairs would have cost me £85 a pair if I had to pay for them or buy them myself.
    • Three Dancing Dragons
    • By Three Dancing Dragons 24th Jun 15, 12:42 PM
    • 270 Posts
    • 239 Thanks
    Three Dancing Dragons
    • #7
    • 24th Jun 15, 12:42 PM
    Deal Free Zone
    • #7
    • 24th Jun 15, 12:42 PM
    Likewise, it seemed a bit general to me also but what I've found most financially restricting is the 'being on benefits' part of disability. Obviously many disabled people do still work but I am not one of them and anything credit related seems to mean automatic refusal or astronomical interest because my only income is benefits.

    Even my local credit union refuses micro-loans to the unwaged now, let alone national companies who might be offering 0% credit card deals I could benefit from. I am locked into my old pre-GFC credit card at around 20% interest which seems to be the personal representative rate I am offered when I DO qualify for credit, even though the advertised headline rates are less than half that.

    The stupid thing is my credit record should be excellent. I'm completely out of debt now and have lived in the same place for almost a decade, yet when I went to open a new bank account at a more local branch of a different chain of money shops all they would offer was a basic cash account. I had to wait another year and try another brand before I could get a normal bank account with a cheque book, a savings account, and a matching offer for an overdraft (though at similarly sucky rates).
    If you think reality makes sense, you're just not paying attention!
    • rogerblack
    • By rogerblack 24th Jun 15, 12:51 PM
    • 9,273 Posts
    • 9,438 Thanks
    rogerblack
    • #8
    • 24th Jun 15, 12:51 PM
    • #8
    • 24th Jun 15, 12:51 PM
    Make sure that if you buy anything for your disability you can claim back any VAT on it.
    Originally posted by Butterfly Brain
    Not quite true.
    You can't claim back VAT.
    The seller has to sell it to you without VAT.
    It has to be in general 'substantially adapted or manufactured for the disabled'.

    You can't buy a 'silent night dreamysnooze1000' and get VAT back - even though it is only purchased for your disability.
    You may be able to get a matress sold for those with spinal conditions, or especially waterproofed.

    The only specifically disability related tip would be somewhat depressing.
    If you are likely to be the beneficiary of someone else in a will, other than a spouse, and given things other than a house you will live in, then generally this will eliminate income-related benefits.

    You will be expected to live exactly the same as you did while on benefit, or you may be treated as if you still have the money even when it's run out.

    With a properly structured will, and a trust arranged by the giver before death, a trust can be setup to pay certain costs for you, and not affect benefits at all.
    Last edited by rogerblack; 24-06-2015 at 12:57 PM.
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