While a significant 63 per cent of the UK admit to being in debt, new research from VoucherCodes’ Annual Cost of Living Life Report reveals that there has been a year on year reduction in the amount of new debt that Brits have accrued since the start of the year, with the average Brit taking out £363 in new debt in 2017, down from £446 in 2016. Despite this, it seems the nation is still struggling to stay on top of their finances, with over a quarter (27 per cent) confessing they are clueless as to just how much debt they are in.

The study over 2,000 UK adults found that while men have borrowed slightly more than women since the start of the year (£389 versus £344), where age is concerned, millennials are seemingly struggling to make ends meet, with 18 to 34’s borrowing more money since January than any other age group in the UK. Perhaps in response to the increasing cost of living and strained disposable incomes for many young people, millennials took out £540 in new debt in 2017, more than double over 55’s average of just £202.

Looking across the UK, those in Plymouth have borrowed the most money nationwide since the start of the year at £997, followed by those in Bristol (£497) and Birmingham (£426), all of which have undergone redevelopment in recent years, with rising property prices and new retail and leisure facilities in the regions pushing up the overall cost of living for many. Despite this, surprisingly, it’s Londoners who are among those who have the worst grips on their finances, with people in London and Northern Ireland being the most in the dark about money matters.

The survey of over 2,000 UK adults found that in line with 2016, student loans are the costliest driver of debt for those that have borrowed money since the start of the year (£5,162), followed by bank loans (£2,886) and credit cards (£1,378). But even in light of this nationwide debt, just 7 per cent of Brits believe they need to get better at money management, with over half of Brits (54 per cent) claiming they are ‘very clear’ on the current state of their personal finances.

Now in its second year, KXCQ brings together a vibrant collection of pop-up design events, exhibitions and stunning architectural installations as well as all the best places to eat, drink, shop and stay at King’s Cross during the LDF.

Will Sorrell, Event Director of designjunction added, “Following the success of the King’s Cross Creative Quarter during last year’s show, we’re thrilled that the celebration returns this September, bringing together visitors from all over the globe.

With the plethora of inspiring design, architecture, culinary delights and retail hot spots that are on offer it’s a great location to be, and even better that it’s all situated within just a one-mile radius of King’s Cross.”

KXCQ offers something for everyone from design enthusiasts to those on a family day out, with a host of special events for visitors to enjoy. Taking place over four days in tandem with designjunction, the KXCQ is supported by King’s Cross Development and the Wellcome Collection plus headline media partner LondonCalling.com.

In:Site Festival returns to Birmingham City Centre for a seventh year this September with recent graduates transforming the outdoor space around the cathedral with unusual craft ‘interventions’ . In:Site, a festival of graduate creativity, organised by Birmingham based arts charity Craftspace, takes place in Cathedral Square from the 4th – 8th September.

The public can get involved with the making of some of the artworks using different techniques; embroidery, casting in concrete, enamelling, manipulating wire and spinning wool. With different artists working each day, at the end of the week visitors can expect to see the space adorned with twelve new art works including a Camera Obscura, a crocheted chandelier, architectural wire sculptures and a textile tribute to historical figures buried in the graveyard echoing the shape of the Cathedral’s stained glass windows.

Craftspace Director, Deirdre Figueiredo said: “A festival of making in this public square draws attention to  Birmingham’s rich heritage in a creative way, encouraging people to slow down and take time to appreciate skills and stories - strangers from all walks of life talk and make together finding surprising ways to connect in an otherwise busy world.”

In a new partnership with Jaguar Land Rover, their clay modellers will collaborate with ceramicist Sarah Christie, showing the versatility and importance of clay as a material which is used expressively by artists and as a sculpting material for design in the car industry.

Ian Callum, Jaguar Director of Design said: “Developed to create sophisticated surfaces that would otherwise be drawn by hand, clay models have been in existence in the car industry since the 1940s and remain a fundamental part of the design process.  Watching the car come to life through the incredible artistic ability of our clay modellers, working together with designers, is still the favourite stage for many designers.”

The festival is supported by Birmingham Cathedral, the Edward Cadbury Trust, the Oakley Trust and Radcliffe Trust.

Green-fingered apprentices from Sandwell are celebrating after being rewarded for their achievements by their horticultural college.

Apprentices working towards their Level 2 and Level 3 qualifications with Sandwell Council were welcomed to South Staffordshire College’s new AgriSTEM Academy at the Rodbaston College in Penkridge to celebrate their progress.

They included Kayleigh Hartwell aged 20 from Tipton who was awarded the British Association of Landscape Industries' (BALI) Best Student 2017 award for her hard work, commitment and talent. She works with a gardening gang in the council's neighbourhoods team.

Sandwell Council’s cabinet member for children’s services Councillor Simon Hackett said: “It’s great to see these young people working so hard to achieve their qualifications.

“An apprenticeship is a great step onto the career ladder and at the council we’re doing all we can to support people to gain qualifications and experience that can learn to a great career.”

The apprentices, who all work at the council's cemeteries or in grounds maintenance, were presented with certificates of achievement by the college’s chief executive principal Graham Morley. He congratulated them on their achievements and told them how he too began his career as an apprentice.

Graham said: “All of these apprentices should be extremely proud of themselves. What they do makes a real difference to the vibrancy and prosperity of Sandwell, the contribution each of them makes to their local area should not be underestimated.

“We’re delighted to have welcomed the learners here today and to have played a part in their success. We wish them all the very best for their future.”

South Staffordshire College’s Head of Apprenticeships and Employer Engagement John Renshaw added “What a fantastic achievement for Kayleigh and indeed, for all of the apprentices who are here today to celebrate their hard work.

"I’d like to congratulate all of the learners again and thank all of the staff from both Sandwell Council and South Staffordshire College who have supported them during the course of their apprenticeships.

“We have worked in partnership with Sandwell Council for many years and are delighted that our relationship continues to go from strength to strength. It’s an absolute pleasure to work alongside such a fantastic group of people and play a part in shaping the future of their apprentices.”

A new £2.2m development of quality but affordable family homes has been unveiled in Stockland Green, thanks to a small group of residents that galvanised itself into action when it saw its community going into decline due to poor quality and absent private landlords.

The construction of 14 family homes at Copeley Hill on Slade Road has totally transformed a site that had been left derelict and abandoned after being bombed during WWII and then cut off from the rest of the community by Spaghetti junction.

Stockland Green Opportunity Housing and Training (SGOHT) is the community-led organisation that inspired the Copeley Hill development of aspirational and quality private rented homes, which will enable local families to stay in the area.  The homes were built by MCE Property with the backing of SGOHT partners, Pioneer Group.

Sarah Kelly (33), son Amari (11) and daughter Ivy (5months) are the first family to receive keys to Copeley Hill.  Erdington born and bred, Sarah moved to Coventry for nine years but wanted to return to Birmingham so she could be around her family and support network.

“When I discovered there was a new development being built in the area, I thought it was the perfect opportunity to move back to my roots and have a fresh start,” said Sarah.  “The houses at Copeley Hill are absolutely fantastic and we can’t wait to get moved in and into our routine back in Birmingham, just minutes away from the people we love.”

Labour MP for Erdington, Jack Dromey said:  “A loving mum, Sarah, and her two delightful children, cannot wait to move into their new home; a good home, at a reasonable rent and with real security for the future.  The SGOHT is to be congratulated for its outstanding initiative in building 14 new badly needed homes.”

Those families renting from SGOHT at Copeley Hill will benefit from living in a modern, spacious home and receiving a quality maintenance and repair service.  In addition, because SGOHT has made a long term commitment to the area, they will also enjoy the peace of mind that comes from certainty of tenure and sustainable and ethical rent levels.

Penny Holbrook, Chair of SGOHT said:  “Stockland Green has always had a rich heritage and vibrant and ethnically diverse community, which was quick to organise itself and meet the challenges head on as the area went into decline.

“We could never have imagined only four years ago what we would be celebrating today, but from small acorns mighty oaks do grow. Copeley Hill was an abandoned part of Stockland Green, an eye-sore that was blighted by fly tipping, but the transformation is remarkable and one that we can all be proud of.

“The ambition and drive of a small group of people disillusioned at the lack of good quality private rented housing, which was driving young families out of Stockland Green and destroying the community, has resulted in a fabulous housing development of three and four bedroom houses that will allow them to stay in the neighbourhood and help the community grow and thrive.”

There are 12 spacious three-bedroom (from £725 per month) and two four-bedroom homes (£850 per month) in the Copeley Hill development, all with master bedroom and ensuite bathroom, modern fitted bathroom and kitchen, cloak rooms, sound-proof windows and rear gardens.

Penny concludes:  “We’ve delivered homes with the same rents as private landlords, but with superior housing and services.  This community-based solution to a lack of quality housing in the area is one that we have committed to and intend to build on.”

As a Pioneer Group partner, SGOHT benefits from its financial support and management resource, but is able to work autonomously in the community it knows inside out and has its own board that shapes future activities and investment in the area.

SGOHT is committed to helping Stockland Green and its people flourish by providing excellent homes and creating development and training opportunities for those living in the community, including working with a local training provider on the refurbishment of its properties.

The new Copeley Hill housing development is the first in a new chapter of regeneration in Stockland Green with SGOHT planning a further 20 houses over the next four years.

Sandwell Visually Impaired (SVI) officially opened its new offices at West Bromwich Town Hall with a special launch event.

Visually impaired people and their families and friends joined the celebration, which was also attended by local organisations, West Midlands MEP Sion Simon and Councillor Ann Shackleton, Sandwell Council’s cabinet member for social care.

The new offices, off Lodge Road, provide a central location for SVI, helping the voluntary organisation to extend what it does for blind and visually impaired people.

From supporting people to use the gym at Portway Lifestyle Centre and swim at West Bromwich Leisure Centre, to holding a group for over-50s and a young people’s programme, SVI offers a wide range of services and support. SVI also sends out the free weekly Sandwell Talking Newspaper.

SVI chair Tony Averis said: “It was wonderful to officially welcome everyone to our new offices. It was a fun atmosphere, with some great entertainment too. I want to thank everyone who came along, including our speakers Sion Simon and Councillor Shackleton, and Tesco New Square which donated refreshments for the event.

“SVI has plans for the future and we want to do even more. We want to hear from visually impaired people about what services they want, what issues and concerns matter to them and how we can help.”

Councillor Shackleton said: “It was an honour to attend the event and welcome so many independent and positive users of SVI supported by many carers and volunteers, including the well-behaved guide dogs.

“From my tour of the new base I realised that the service would now be able to operate from a well-positioned central venue in the town hall with up-to-date equipment in light, airy accommodation with user-friendly facilities including signs and an entrance keypad in Braille.

“It shows that here in Sandwell we care and continue to ensure that people with a disability receive the support and guidance they need.”

Go to www.sandwellvisuallyimpaired.org.uk to learn more about the services and support SVI can offer to people living with sight loss and their families. Or call the office on 0121 525 4810.