Cost of living crisis


The council and partners are working to support people and businesses affected by the cost of living crisis in Argyll and Bute. Please find here a summary of that work.


Argyll and Bute’s island, rural and mainland geography brings additional cost to our citizens’ day to day lives (as highlighted in a report to Council on 29th September). For fuel costs alone this means that 70% of our households are at risk of fuel poverty or extreme fuel poverty; impact on additional key areas of living are outlined in the graphic below and at appendix 1.


Working with partners to support people and businesses 

The council’s FIAG group (Financial Inclusion and Advice Group) brings together council services and support agencies. To make it as easy as possible for people to get support when they need it the council provides a ‘one-stop-shop’ of information on our website to provide key information and also help and information on money saving initiatives such as cheaper deals for internet connection and the availability of warm spaces provide by other organisations:

We summarise below some of the help available.



  • Bute Advice Centre and ALIenergy produced a booklet highlighting financial support services available across Argyll and Bute. This includes for example maximising income, foodbanks, energy and budgeting advice. It has been widely circulated to Elected members, across the NHS, Schools, support agencies and is available on the Bute Advice Centre website.
  • Argyll and Bute Scotland Loves Local Gift Cards The Council is rolling out an initiative to provide £120 gift cards to around 6,650 Council Tax Reduction recipients. This will support households on low incomes and the local businesses registered for the card.
  • The Council is looking at a proposal to develop Welfare Rights & Health Partnerships in Argyll & Bute. The pilot is looking at 5 practices within Mid-Argyll, Kintyre & Islay where the Council would embed Local Authority welfare advice specialists within the practice’s healthcare setting for an average of one day per week per practice.
  • Data mining to identify benefits eligibility and maximise household income The Council’s Data Advisory Group is working on matching data from relevant council systems to identify unmet benefit eligibility so we can support eligible households to maximize their income.


  • Flexible Food Fund: The Fund provides a one-off cash payment to families on low incomes to help with food and fuel. The size of the payment is based on their household composition. Claimants are offered a second cash payment if they have engaged with support agencies, the Bute Advice Centre and ALIEnergy, in financial management. The project achieved national acclaim in October 2021 for Excellence in Innovation from the Institute of Revenue Rating and Valuation. Over 96% of people receiving the first grant payment engage, get the support they need and get a second payment; applicants, through different routes, have received a total of £2 million they could otherwise have missed out on.
  • Food banks: there is a list of food banks on the council’s website


  • Preloved School Clothing Project. The Council and its schools are working with community groups to give every child in Argyll and Bute access to a school uniform, by developing a uniform re-use scheme. There is a reused school uniform hub in Helensburgh, one nearing completion in Campbeltown, and work in in planning for schemes for Dunoon, Rothesay, Oban and Lochgilphead, Tarbert, Islay and Mull.


  • Additional funding for advice agencies. The Council has provided £40,000 in funding to ALIenergy, Bute Advice Centre and the Argyll and Bute Citizens Advice Bureau to help them meet increasing demands from the public between 1 April 2022 to 31 March 2023.
  • Anti-poverty training. The Poverty Alliance has delivered training across the Council and Community Planning Partners on anti-poverty actions and this will be extended to elected members on 30 November.

Promoting information

  • The Council’s Communications Team is already taking varied and repeated steps to make people who need it, aware of support available, using for example digital and traditional media channels, and word of mouth, inviting the help of Councillors, council employees, partner agencies and the public in passing information on, via whatever channels they have, to people who need it.
  • As mentioned above, partners are also taking action to reach people for example with the ‘worried about money’ booklet.


Next Steps 

  • The Council’s senior leadership continue to lobby the government on the factors that are affecting our citizens and businesses in the current climate
  • This update is shared with members to assist them with information, so they may be in a position to provide information, advice and support to constituents.
  • A communications plan has been developed by the council’s Communications Team, reflecting the work of the FIAG and other sources of support, to build on promotion already planned for the coming months through social media and also by press releases to reach harder to reach groups and individuals who may not use social media.
  • Review information available via the FIAG partnership and other sources, to keep the council’s one-stop-shop web page up-to-date, and promote its content, for information and sharing, through council and partner communication channels, including for example council employees, community councils and other 3rd sector organisations;
  • Develop an advice and information note highlighting advice and assistance available and circulating widely to third parties and community councils
  • Continue to make the flexible food fund available;
  • Expand involvement in working together to support residents – additional participation is being invited from NHS Highland, Live Argyll and the Third Sector Interface, with a view to contributing both to cost of living issues in general, and, specifically, to bring additional insights to any work which may be contemplated in regard to Warm Spaces.
  • Continue to be proactive in working with the Data Advisory Group to identity income maximisation opportunities for vulnerable people.



The Council through the Financial Inclusion and Advice Group (FIAG) is  coordinating an effort across public sector partners to support people and businesses affected by the cost of living crisis in Argyll and Bute.


Membership of the FIAG 


Council Leader – ABC – Chair

Councillor Jim Lynch – Group Leader

Councillor Dougie Philand – Group Leader

Head of Legal and Regulatory Support – ABC – Vice Chair

Minutes – ABC

Revenues and Benefits Manager – ABC

Revenues and Benefits Assistant – ABC

Governance and Risk Manager – ABC

Welfare Rights – ABC

Trading Standards Manager – ABC

Team Leader Housing Services – ABC

Housing Operations – ABC

Service Improvement Officer Children and Families – HSCP

Education Manager – ABC

Economic Growth Manager – ABC

Senior Manager CCEF Commercial Services – ABC

External Participants:

Social Security Scotland/Local Delivery Relationship Lead

DWP – Employer & Partnership Manager – Argyll & Bute


Fyne Homes


Dunbritton Housing Association


Home Energy Scotland


Bute Advice Centre

Argyll Networks

Carr Gomm


Live Argyll

Argyll TSI

More staff news


An easier way to book your training

We know from your feedback, that booking training courses via MyView wasn’t the easiest process.   As part of Connect for Success, we want to improve

Northern lights, Kilmartin

Thanks to our colleague Chris Carr, for sharing these spectacular images of the norther lights, taken at Kilmartin a few weeks ago.  If you’re out

Looking for a rental property

Does anyone know of a property to let in the Stirling area (urban or rural) for a young professional couple who are moving into that

Help at hand app screen

Employee Assistance Programme

Balancing everyday life with the requirements of work and home can create pressures for all of us.  Did you know you have access to a

young lamb in field

April Cascade

In this issue Meet the new Administration Long service awards An easier way to book your training   Have you nominated yet? Reduce, reuse, recycle Better