Make Your Money Go Further For many families, the arrival of the school summer holidays isn't something to look forward to. For many parents and carers, the six-week break can also bring extra financial pressure. With children at home all day, it's natural to spend more on food, activities, travel and treats. Even small purchases can soon add up, leaving household budgets feeling more stretched before the new school year has even started. The good news is that enjoying the summer doesn't have to mean spending lots of money. A few simple changes can help your budget go further while still making the holidays enjoyable for everyone. Some of the best memories come from the simplest activities, whether that's building sandcastles on the beach, exploring your local area, baking at home or enjoying a picnic in the park. Spending quality time together can make happy memories that will last long after the school term begins again. Here are six practical ideas to help keep costs down this summer: 1. Plan a weekly 'no-spend' day Instead of feeling like you need to fill every single day with activities, why not challenge the family to enjoy one day each week without spending any money? A 'no-spend day' can be surprisingly fun! Visit a local beach, head to a nearby park, go on a woodland walk, have a picnic using food you've already prepared at home, or organise a treasure hunt around your garden or neighbourhood. If the unpredictable Scottish weather isn't on your side, try building a den indoors, having a family board game tournament or enjoy a film afternoon complete with homemade popcorn and fruit squash. Children often remember the time spent together more than how much money was spent. 2. Make the most of what you already have Before heading to the supermarket, why not take a look through your cupboards, fridge and freezer? Chances are, you already have enough ingredients to create several meals without buying lots of extras. Planning meals for the week can help reduce food waste and avoid those expensive last-minute trips to the shop. It can also be a great opportunity to get children involved in choosing meals or helping with simple cooking tasks. Tip: Looking for budget-friendly recipe ideas? If you'd like some inspiration, take a look at The Batch Lady , whose YouTube channel provides free recipes and meal planning steps and tips to help you prepare affordable family meals in advance. If you're heading out for the day, preparing sandwiches, snacks and refillable drinks before you leave can work out much cheaper than buying food for everyone while you're out and about. It's those little purchases - an ice cream here, a bottle of juice there - that can quickly add up over six weeks. 3. Look for free fun close to home You don't need to travel far or pay expensive admission fees to enjoy a great day out. Ayrshire has plenty of fantastic places to explore, from beaches and country parks to walking routes and play areas. Many local libraries also run free activities, reading challenges and craft sessions during the summer holidays, while community groups often organise free, family events throughout July and August. Before planning an expensive day out, just take a few minutes to see what's happening in your local area (Facebook is ideal for this). You might be surprised by how many free or low-cost activities are available right on your doorstep! 4. Team up with friends and family Summer is often more enjoyable - and more affordable - when families work together. Meeting up with friends or relatives at a local park or beach can turn a simple afternoon into a memorable day out without anyone spending very much. You could share picnic food, organise games for the children or take turns hosting activities at home. Not only can this reduce costs, but it also gives the kids a chance to socialise while the adults share ideas and support each other. 5. Keep one eye on the new school term While it's important to enjoy the holidays, it's also worth remembering that the new school year isn't too far away. School uniforms, shoes, stationery, lunch boxes and PE kits can all put pressure on household finances. If you're able to, putting aside even a small amount each week over the summer can help spread the cost. Keep an eye out for supermarket deals for uniforms during the holidays - they're usually popular and provide good value. It's also worth checking whether your child is entitled to any financial support or school clothing grants. Many families miss out simply because they don't realise what help is available. If you're unsure, give CHAP a call and we'll arrange to go through a benefits check with you. 6. Make every pound count It goes without saying that summer is full of little temptations. An extra coffee while you're out, a few treats at the supermarket or another family takeaway can seem harmless on their own, but together they can make a noticeable difference to your household budget. Before making unplanned purchases, ask yourself whether they're something you really need or whether there's a lower-cost alternative. Looking out for supermarket offers, using loyalty card discounts and buying seasonal fruit and vegetables can also help reduce your weekly shopping bill. Tip: try using cash rather than card - this helps with setting a daily budget and sticking within it. Saving a few pounds here and there may not seem significant at the time, but over the course of the holidays it can really make a difference. Summer Savings Checklist: ✔️ Plan at least one no-spend day each week. ✔️ Pack snacks and refillable drinks before heading out. ✔️ Check local community events and library activities. ✔️ Set aside a little each week for back-to-school costs. ✔️ Ask for advice early if you're worried about money. You’re Not Alone If money feels particularly tight this summer, you're not alone - please remember that support is available. Many households continue to face rising living costs, and asking for advice early can often prevent financial worries from becoming bigger problems. At CHAP, we provide free, independent, and confidential advice on benefits, debt, and housing issues. If you're unsure whether you're receiving all the financial support available, our friendly and experienced advisers are here to help. You can call us on Freephone 030 0002 0002

Please note: applications for these posts are no longer being accepted. Do you want to make a real difference to people's lives? Information & Advice Officer x2 35 hours per week | Fixed-Term for 12 Months Salary: DOE CHAP is looking for two Information & Advice Officers to join our growing team and help support people facing some of life's most difficult challenges. Every day, we work alongside individuals and families experiencing housing difficulties, financial hardship, debt problems and welfare rights issues. We provide free, independent advice, advocacy and representation, helping people understand their rights, access support and overcome barriers. In 2025 alone, CHAP secured over £4.2 million in financial gains for people across Ayrshire. We are proud of the difference we make, but we know there is more to do. Demand for our services continues to grow, with increasing numbers of people seeking support with housing, debt and welfare rights issues. These new posts will help us reach more people, earlier, and provide the support they need before problems reach crisis point. About CHAP CHAP is an independent charity providing specialist housing, welfare rights and debt advice throughout Ayrshire. As the only organisation in Ayrshire accredited to deliver Scottish National Standards Type III advice across all three areas, we provide practical support to people facing a wide range of challenges. We help people understand their options, navigate complex systems and access the support they need. We exist to provide hope and to stand alongside our clients as they deal with some of life's most difficult circumstances. About the Role This role involves working directly with individuals and families experiencing a range of housing, welfare rights, and financial issues. You will: Provide information, advice and advocacy to clients. Support people to understand their rights, options and available support. Work with clients to identify solutions and achieve positive outcomes. Represent and negotiate on behalf of clients where appropriate. Manage a varied caseload and maintain accurate case records. Work closely with partner organisations to ensure clients receive the support they need. Contribute to the delivery of a high-quality advice and advocacy service. This is a rewarding and varied role where no two days are the same. Whether helping someone avoid homelessness, maximise their income, challenge a decision or overcome debt problems, your work will make a genuine difference. About You We are looking for people who share our commitment to helping others and who believe everyone deserves access to high-quality advice and support. You may already have experience in advice work, advocacy, housing, welfare rights, debt advice, employability, social work, community development, support work or similar fields. Most importantly, you will be someone who: Has experience supporting people facing difficult circumstances. Can build positive relationships and communicate effectively with a wide range of people. Is organised, reliable and able to manage a varied workload. Has a genuine desire to help others. Is willing to learn and develop new skills. Can work independently and as part of a supportive team. Experience of welfare rights, debt advice, housing advice or advocacy work would be advantageous. However, we are committed to supporting the successful candidates through training, supervision and professional development. In Return We Offer The opportunity to make a genuine difference in people's lives A supportive and experienced team environment Ongoing training, supervision and professional development. The opportunity to develop specialist knowledge and skills within an accredited advice service. A full driving licence and access to your own vehicle is essential as travel throughout Ayrshire will be required. For an informal discussion about the role, please contact us on 030 0002 0002 . To apply, please submit your CV together with a covering letter outlining how your skills and experience meet the requirements of the role to: enquiries@chap.org.uk . Alternatively, you can download an application form , complete it and email to enquiries@chap.org.uk . You can also download our recruitment privacy policy . Information and Advice Officer Job Description Person Specification Closing Date: Noon, Friday 26th June 2026 ( applications are no longer being accepted ) Interviews: Thursday 9th July 2026 This post is subject to satisfactory references and PVG Scheme membership. CHAP is an equal opportunities employer and welcomes applications from all sections of the community.

Our second Killie 2 Coast fundraising walk took place on Friday 22nd May and what a day it was! Following the success of our inaugural event in 2025, we were thrilled to see K2C return bigger and better this year, with participants joining us for all or part of the updated 18-mile route through Dreghorn, Irvine, Kilwinning, Stevenston and Saltcoats before reaching the finish line at our main office in Ardrossan. Thankfully, the weather remained dry throughout the day and temperatures were cooler and kinder to our walkers than last year's event, which took place during one of the warmest days of the month. The more comfortable conditions allowed participants to enjoy the journey and let the conversations flow. We were particularly delighted to be joined by fantastic workplace teams from Morgan Sindall Construction and We Work For Families , whose enthusiasm, determination and fundraising efforts helped make the day such a success. A special thank you must also go to KA Leisure , whose support for the event was invaluable. Not only did they kindly allow us to use facilities at The Portal in Irvine as a key stop on the route, but they also supplied the much-loved Activator Bus , which provided encouragement and and motivation for walkers as they tackled the final stage of the journey towards the finishing point. A Huge Thank You We're thrilled to share that this year's K2C event has raised a total of £1,385 so far. We would like to thank every single person who took part, made a donation, shared our social media posts, sponsored a walker, volunteered their time, or simply cheered us on as we passed through their area. And of course, thanks to all the CHAP staff and trustees for their hard work and commitment for making this year's K2C the best yet! As always, events like Killie 2 Coast are only possible thanks to the generosity of local businesses and community partners. We would like to extend our sincere thanks to all of our sponsors and supporters who helped keep walkers fuelled, hydrated and motivated throughout the day: Branding Hub Ayr Brownings the Bakers Dreghorn Library Greggs Foundation Morgan Sindall Construction Morrisons SK Tes If you’d still like to make a contribution, we'll be able to accept donations until 13th June - JUSTGIVING All donations received will go toward helping CHAP continue delivering free advice and support to individuals and families in need across Ayrshire. Thank you to everyone who helped make Killie 2 Coast 2026 such a memorable day. We look forward to building on this year's success and welcoming even more walkers for Killie 2 Coast 2 027!

Many individuals and families across North Ayrshire are experiencing increasing pressures around finances, wellbeing, housing and day-to-day living. Money Max has been created to provide practical, person-centred support that helps people overcome barriers, improve financial wellbeing and access the right services for their needs.