Fair By Design
@fairbydesign.bsky.social
Ending the #PovertyPremium: the extra costs people on low incomes pay for essential products & services.
Pinned
Today marks the launch of the Financial Inclusion Strategy. The Strategy must be seen as an important first step that sets the direction of travel to ending the poverty premium and financial exclusion.
Read our full statement here: fairbydesign.com/response-uk-...
Read our full statement here: fairbydesign.com/response-uk-...
Initial thoughts on the #Budget’s impact on the poverty premium 🧵🧵🧵
There are positives on energy bills support and removing the two-child benefit cap, but much more must be done to lift people out of poverty and reduce low-income households’ bills.
There are positives on energy bills support and removing the two-child benefit cap, but much more must be done to lift people out of poverty and reduce low-income households’ bills.
November 26, 2025 at 4:23 PM
Initial thoughts on the #Budget’s impact on the poverty premium 🧵🧵🧵
There are positives on energy bills support and removing the two-child benefit cap, but much more must be done to lift people out of poverty and reduce low-income households’ bills.
There are positives on energy bills support and removing the two-child benefit cap, but much more must be done to lift people out of poverty and reduce low-income households’ bills.
Everyone deserves a warm home. On #FuelPovertyAwarenessDay, we urge the Government to act by making energy affordable for all with proper bill support and long-term investment in energy efficiency.
November 26, 2025 at 11:04 AM
Everyone deserves a warm home. On #FuelPovertyAwarenessDay, we urge the Government to act by making energy affordable for all with proper bill support and long-term investment in energy efficiency.
Reposted by Fair By Design
The government has published their Financial Inclusion Strategy. What comes next?
#FinancialInclusion #AffordableCredit #FairBankingAct #CommunityFinance #FairBankingForAll
@thefinancelab.bsky.social @fairbydesign.bsky.social
financeinnovationlab.org/the-governme...
#FinancialInclusion #AffordableCredit #FairBankingAct #CommunityFinance #FairBankingForAll
@thefinancelab.bsky.social @fairbydesign.bsky.social
financeinnovationlab.org/the-governme...
The government has published their Financial Inclusion Strategy. What comes next? - Finance Innovation Lab
At the end of October, I sat in a room in Glasgow with seven remarkable people. Each of them has had to ask a bank for help at some point, and each of them has been turned away. I listened as they tal...
financeinnovationlab.org
November 25, 2025 at 3:08 PM
The government has published their Financial Inclusion Strategy. What comes next?
#FinancialInclusion #AffordableCredit #FairBankingAct #CommunityFinance #FairBankingForAll
@thefinancelab.bsky.social @fairbydesign.bsky.social
financeinnovationlab.org/the-governme...
#FinancialInclusion #AffordableCredit #FairBankingAct #CommunityFinance #FairBankingForAll
@thefinancelab.bsky.social @fairbydesign.bsky.social
financeinnovationlab.org/the-governme...
Today’s energy price cap means people paying by Standard Credit, those who pay after receiving their bill, will pay £136 more each year, simply because of the way they pay.
November 21, 2025 at 10:25 AM
Today’s energy price cap means people paying by Standard Credit, those who pay after receiving their bill, will pay £136 more each year, simply because of the way they pay.
Access to a car isn’t just about convenience. It helps people get a decent job, attend a good college and access healthcare. That’s why it’s so unjust that high insurance premiums are pricing many low-income households out.
November 20, 2025 at 4:32 PM
Access to a car isn’t just about convenience. It helps people get a decent job, attend a good college and access healthcare. That’s why it’s so unjust that high insurance premiums are pricing many low-income households out.
We've co-signed a letter to the Chancellor, Rachel Reeves, alongside energy companies and charities warning her that cutting energy efficiency schemes in the budget would be damaging for people and planet.
www.theguardian.com/environment/...
www.theguardian.com/environment/...
Cutting home insulation funding will imperil UK’s climate goals, Reeves told
Energy firms and charities urge chancellor to avoid short-term fix that could also harm low-income households
www.theguardian.com
November 10, 2025 at 1:00 PM
We've co-signed a letter to the Chancellor, Rachel Reeves, alongside energy companies and charities warning her that cutting energy efficiency schemes in the budget would be damaging for people and planet.
www.theguardian.com/environment/...
www.theguardian.com/environment/...
This would be a huge mistake🚩
The Warm Homes Plan is a vital step towards making homes more energy efficient and reducing bills for those on low incomes.
The Warm Homes Plan is a vital step towards making homes more energy efficient and reducing bills for those on low incomes.
🚨 Reports suggest the Chancellor is preparing to divert funds from the flagship £13.2bn Warm Homes Plan in the Budget.
This funding was meant to add to existing schemes not replace them.
www.endfuelpoverty.org.uk/energy-effic...
This funding was meant to add to existing schemes not replace them.
www.endfuelpoverty.org.uk/energy-effic...
Cuts of 40% to energy efficiency measures considered by Chancellor
Moves to cut funding that helps improve energy efficiency and ends cold damp homes would be an "act of betrayal" by the Government.
www.endfuelpoverty.org.uk
November 6, 2025 at 2:11 PM
This would be a huge mistake🚩
The Warm Homes Plan is a vital step towards making homes more energy efficient and reducing bills for those on low incomes.
The Warm Homes Plan is a vital step towards making homes more energy efficient and reducing bills for those on low incomes.
Today marks the launch of the Financial Inclusion Strategy. The Strategy must be seen as an important first step that sets the direction of travel to ending the poverty premium and financial exclusion.
Read our full statement here: fairbydesign.com/response-uk-...
Read our full statement here: fairbydesign.com/response-uk-...
November 5, 2025 at 12:53 PM
Today marks the launch of the Financial Inclusion Strategy. The Strategy must be seen as an important first step that sets the direction of travel to ending the poverty premium and financial exclusion.
Read our full statement here: fairbydesign.com/response-uk-...
Read our full statement here: fairbydesign.com/response-uk-...
As the Financial Inclusion Strategy nears publication, now is the time for bold, joined-up action to tackle exclusion and end the poverty premium once and for all.
Read our full paper 🔗 fairbydesign.com/wp-content/u...
Read our full paper 🔗 fairbydesign.com/wp-content/u...
November 3, 2025 at 3:52 PM
As the Financial Inclusion Strategy nears publication, now is the time for bold, joined-up action to tackle exclusion and end the poverty premium once and for all.
Read our full paper 🔗 fairbydesign.com/wp-content/u...
Read our full paper 🔗 fairbydesign.com/wp-content/u...
In December 2024, the Government committed to a Financial Inclusion Strategy. Since then, officials, regulators, and consumer groups have worked in subcommittees developing the Strategy.
With the Strategy’s launch imminent the question remains: will it be bold enough?
With the Strategy’s launch imminent the question remains: will it be bold enough?
October 31, 2025 at 12:29 PM
In December 2024, the Government committed to a Financial Inclusion Strategy. Since then, officials, regulators, and consumer groups have worked in subcommittees developing the Strategy.
With the Strategy’s launch imminent the question remains: will it be bold enough?
With the Strategy’s launch imminent the question remains: will it be bold enough?
Great to see the ESNZ Committee calling out the energy market for entrenching the poverty premium. The report supports our calls to get rid of the premium for paying on receipt of bill, and for an energy social tariff.
October 29, 2025 at 2:57 PM
Great to see the ESNZ Committee calling out the energy market for entrenching the poverty premium. The report supports our calls to get rid of the premium for paying on receipt of bill, and for an energy social tariff.
When the Financial Inclusion Strategy arrives, it must be bold, ambitious, and deliver tangible reductions in poverty across the UK.
Thanks to Martin Rhodes MP for raising the issue in Parliament.
Thanks to Martin Rhodes MP for raising the issue in Parliament.
October 27, 2025 at 3:32 PM
When the Financial Inclusion Strategy arrives, it must be bold, ambitious, and deliver tangible reductions in poverty across the UK.
Thanks to Martin Rhodes MP for raising the issue in Parliament.
Thanks to Martin Rhodes MP for raising the issue in Parliament.
Consumer energy debt reached £4.4 billion at the end of Q2 2025, this is more than triple pre-energy crisis levels.
This debt doesn’t affect everyone equally, for more information read our call to action with Rooted Finance.
fairbydesign.com/long-term-me...
This debt doesn’t affect everyone equally, for more information read our call to action with Rooted Finance.
fairbydesign.com/long-term-me...
October 24, 2025 at 8:15 AM
Consumer energy debt reached £4.4 billion at the end of Q2 2025, this is more than triple pre-energy crisis levels.
This debt doesn’t affect everyone equally, for more information read our call to action with Rooted Finance.
fairbydesign.com/long-term-me...
This debt doesn’t affect everyone equally, for more information read our call to action with Rooted Finance.
fairbydesign.com/long-term-me...
As energy debt rises at an alarming rate, we’ve partnered with Rooted Finance to better understand how the poverty premium is affecting the users of their debt advice services.
Read our joint call to action here: fairbydesign.com/long-term-me...
Read our joint call to action here: fairbydesign.com/long-term-me...
October 17, 2025 at 10:02 AM
As energy debt rises at an alarming rate, we’ve partnered with Rooted Finance to better understand how the poverty premium is affecting the users of their debt advice services.
Read our joint call to action here: fairbydesign.com/long-term-me...
Read our joint call to action here: fairbydesign.com/long-term-me...
"A bold Financial Inclusion Strategy would lift millions out of financial precarity and support the Government’s growth agenda."
Our blog reflecting on the Labour Party Conference 2025, where we hosted an exhibition stand for the first time.
fairbydesign.com/reflections-...
Our blog reflecting on the Labour Party Conference 2025, where we hosted an exhibition stand for the first time.
fairbydesign.com/reflections-...
Reflections on Labour Party Conference 2025
We reflect on some of the key themes of Labour Party Conference this year.
fairbydesign.com
October 5, 2025 at 7:09 PM
"A bold Financial Inclusion Strategy would lift millions out of financial precarity and support the Government’s growth agenda."
Our blog reflecting on the Labour Party Conference 2025, where we hosted an exhibition stand for the first time.
fairbydesign.com/reflections-...
Our blog reflecting on the Labour Party Conference 2025, where we hosted an exhibition stand for the first time.
fairbydesign.com/reflections-...
We’ve got a couple more for the list:
🚩 Charging people £136 extra on energy bills for paying on receipt of bill.
🚩 Charging people more for car insurance if they pay in monthly instalments.
Brilliant stuff from @martinlewis.moneysavingexpert.com as ever.
🚩 Charging people £136 extra on energy bills for paying on receipt of bill.
🚩 Charging people more for car insurance if they pay in monthly instalments.
Brilliant stuff from @martinlewis.moneysavingexpert.com as ever.
The govt should find 100 small things that piss people off & fix em, such as…
Ta to Politico for the vid, at its Labour fringe event, I explained that as big changes take time, govts should also have a team focused on small winnable change.
What little fixes'd you want?
Ta to Politico for the vid, at its Labour fringe event, I explained that as big changes take time, govts should also have a team focused on small winnable change.
What little fixes'd you want?
October 1, 2025 at 10:26 AM
We’ve got a couple more for the list:
🚩 Charging people £136 extra on energy bills for paying on receipt of bill.
🚩 Charging people more for car insurance if they pay in monthly instalments.
Brilliant stuff from @martinlewis.moneysavingexpert.com as ever.
🚩 Charging people £136 extra on energy bills for paying on receipt of bill.
🚩 Charging people more for car insurance if they pay in monthly instalments.
Brilliant stuff from @martinlewis.moneysavingexpert.com as ever.
We’re at #LabourConference 2025 with our Give Me Some Credit photo exhibition. It's amazing to be joined by Mike and Zahida, two of the amazing contributors to the project.
📍 Find us at Stand G4!
📍 Find us at Stand G4!
September 30, 2025 at 11:23 AM
We’re at #LabourConference 2025 with our Give Me Some Credit photo exhibition. It's amazing to be joined by Mike and Zahida, two of the amazing contributors to the project.
📍 Find us at Stand G4!
📍 Find us at Stand G4!
Reposted by Fair By Design
It was a privilege to attend the launch of the Poverty Strategy Commission’s framework for tackling poverty this morning, having been involved in the advisory group. Thinking about what we at @fairbydesign.bsky.social can do to help make the suggested social contract a reality 🤔
September 8, 2025 at 2:09 PM
It was a privilege to attend the launch of the Poverty Strategy Commission’s framework for tackling poverty this morning, having been involved in the advisory group. Thinking about what we at @fairbydesign.bsky.social can do to help make the suggested social contract a reality 🤔
Affordable credit for those on low incomes?
Come join us at #LAB25 to discuss the Fair Banking Act.
Based on the Community Reinvestment Act in the US, it would ensure banks serve all sectors of the community so credit reaches those who need it most, at an affordable rate.
Come join us at #LAB25 to discuss the Fair Banking Act.
Based on the Community Reinvestment Act in the US, it would ensure banks serve all sectors of the community so credit reaches those who need it most, at an affordable rate.
September 29, 2025 at 10:48 AM
Affordable credit for those on low incomes?
Come join us at #LAB25 to discuss the Fair Banking Act.
Based on the Community Reinvestment Act in the US, it would ensure banks serve all sectors of the community so credit reaches those who need it most, at an affordable rate.
Come join us at #LAB25 to discuss the Fair Banking Act.
Based on the Community Reinvestment Act in the US, it would ensure banks serve all sectors of the community so credit reaches those who need it most, at an affordable rate.
We’ll be at Labour Party Conference this year hosting our 'Give Me Some Credit' exhibition, joined by participants who shared their stories as part of the project.
Swing by to check out the exhibition and hear about our latest work.
Swing by to check out the exhibition and hear about our latest work.
September 16, 2025 at 9:01 AM
We’ll be at Labour Party Conference this year hosting our 'Give Me Some Credit' exhibition, joined by participants who shared their stories as part of the project.
Swing by to check out the exhibition and hear about our latest work.
Swing by to check out the exhibition and hear about our latest work.
Last week we responded to Scottish Labour’s consultation on financial inclusion.
With 22.4% of households in Scotland facing a poverty premium, we’re calling for an ambitious UK-wide Financial Inclusion Strategy to address this.
fairbydesign.com/scottish-lab...
With 22.4% of households in Scotland facing a poverty premium, we’re calling for an ambitious UK-wide Financial Inclusion Strategy to address this.
fairbydesign.com/scottish-lab...
We respond to Scottish Labour consultation on financial inclusion
We call for a bold Financial Inclusion Strategy to tackle poverty premiums & systemic exclusion.
fairbydesign.com
September 9, 2025 at 8:30 AM
Last week we responded to Scottish Labour’s consultation on financial inclusion.
With 22.4% of households in Scotland facing a poverty premium, we’re calling for an ambitious UK-wide Financial Inclusion Strategy to address this.
fairbydesign.com/scottish-lab...
With 22.4% of households in Scotland facing a poverty premium, we’re calling for an ambitious UK-wide Financial Inclusion Strategy to address this.
fairbydesign.com/scottish-lab...
Great to see @green-alliance.org.uk's report adding momentum to the call for an energy social tariff.
Alongside our research with Public First last week, it adds to the consensus from charities, industry and parliament that a social tariff is urgently needed to cut energy bills.
Alongside our research with Public First last week, it adds to the consensus from charities, industry and parliament that a social tariff is urgently needed to cut energy bills.
New research | 9 million households in England are spending >10% of their income on energy bills.
Our new report shows how a social tariff could tackle the issue by lifting millions out of fuel poverty at relatively low cost.
Read the report: buff.ly/qTVXOeM
1/5
Our new report shows how a social tariff could tackle the issue by lifting millions out of fuel poverty at relatively low cost.
Read the report: buff.ly/qTVXOeM
1/5
Affording warm homes: the case for a social tariff to address fuel poverty
In this report, we explore how a social tariff offering percentage discounts on gas and electricity bills could provide far more effective support for households experiencing fuel poverty than existing flat-rate schemes.
green-alliance.org.uk
September 4, 2025 at 7:55 AM
Great to see @green-alliance.org.uk's report adding momentum to the call for an energy social tariff.
Alongside our research with Public First last week, it adds to the consensus from charities, industry and parliament that a social tariff is urgently needed to cut energy bills.
Alongside our research with Public First last week, it adds to the consensus from charities, industry and parliament that a social tariff is urgently needed to cut energy bills.
Our Head of Policy @mariacbooker.bsky.social on today’s new report into targeted energy bill support ⬇️
August 27, 2025 at 4:14 PM
Our Head of Policy @mariacbooker.bsky.social on today’s new report into targeted energy bill support ⬇️
🚨 New report out today: Closing the Fuel Poverty Gap by Public First, commissioned by Fair By Design & partners 🚨
It shows how long-term, targeted energy bill support could be delivered to households on low incomes.
As featured in The Metro this morning👇
metro.co.uk/2025/08/27/d...
It shows how long-term, targeted energy bill support could be delivered to households on low incomes.
As featured in The Metro this morning👇
metro.co.uk/2025/08/27/d...
Devastating 'fuel poverty gap' doubles in five years with energy prices still ri
'The government must act with urgency to close the devastating gap in support and tackle this crisis.'
metro.co.uk
August 27, 2025 at 12:56 PM
🚨 New report out today: Closing the Fuel Poverty Gap by Public First, commissioned by Fair By Design & partners 🚨
It shows how long-term, targeted energy bill support could be delivered to households on low incomes.
As featured in The Metro this morning👇
metro.co.uk/2025/08/27/d...
It shows how long-term, targeted energy bill support could be delivered to households on low incomes.
As featured in The Metro this morning👇
metro.co.uk/2025/08/27/d...
We're hiring a Public Affairs Manager to lead our engagement with politicians, regulators and industry to embed fairness in our financial system, and ensure that lived experience is at the heart of our work.
Find out more and apply here: fairbydesign.com/were-recruit...
Find out more and apply here: fairbydesign.com/were-recruit...
August 21, 2025 at 7:30 AM
We're hiring a Public Affairs Manager to lead our engagement with politicians, regulators and industry to embed fairness in our financial system, and ensure that lived experience is at the heart of our work.
Find out more and apply here: fairbydesign.com/were-recruit...
Find out more and apply here: fairbydesign.com/were-recruit...