Financial Education
Judith Cummins Excerpts(1 week, 3 days ago)
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Several hon. Members rose—
Madam Deputy Speaker (Judith Cummins)
Order. I will start with an informal five-minute time limit; Members can help each other.
Chris Vince
I can see the hon. Gentleman was a model student.
We have to recognise the way the school system currently works. If young people think there will not be an exam on a subject, they do not think that subject is measurable. Equally, if teachers do not see that something is going to be measurable in an Ofsted inspection, it will be moved down the list of priorities. We have to recognise that a lot of teachers have a lot on their plates. If we want financial education to be on the top of the plate—the cherry on the top, perhaps—we need to ensure that it is measurable, accountable and taken seriously. I do not believe that bolting financial education on to the maths curriculum will make that happen; I would much prefer it to be a bespoke subject. I have rambled on enough but hopefully I have made my point.
Bobby Dean (Carshalton and Wallington) (LD)
I am not quite sure how I am supposed to follow the hon. Member for Harlow (Chris Vince). He was extremely entertaining and informative. I wish to thank the hon. Member for Broadland and Fakenham (Jerome Mayhew) for securing this debate. He spoke with passion and empathy for those who are struggling with financial literacy and made sure that this House knows how important that topic is.
All Members in this House have probably at some point come across somebody—perhaps a constituent on a doorstep, a family member or a friend—who says that people just do not get taught what they need to know in life at school. That is overdone slightly; the fundamentals of maths, science and literacy do serve us well in life, but there is truth in that statement. Some of the hard, practical, daily challenges of adulthood are often not addressed properly, at least not in an applied way, during our education. Nowhere is this more apparent than in financial literacy, which is, of course, distinct from numeracy. It is not just about adding and subtracting, or even working out percentages, but budgeting, debt management, saving for the future and investing. These are things that can empower people to make better decisions for their lives and set them up to achieve their goals. But we let people down when we view these skills as specialist rather than essential.
Let me focus on two elements in particular: investing and debt. The British seem to have a big problem with investing. There is an assumption that it is for traders or the rich, and our national conversation tends to shy away from it. Pensions is about the only arena in which it is discussed properly, but even then it is kind of pushed to the back of our minds. It is all about auto-enrolment and it is dealt with out of sight by others. I wish to pick up on the point made by the hon. Member for Swindon North (Will Stone) about how few of the self-employed invest in their own pensions. That certainly happened to my parents who were self-employed all their life. I was self-employed too and, for the large bulk of my career, I did not invest in a pension.
If Brits were equipped with the knowledge and the skills to make relatively safe, sensible investments over the course of their lifetimes, the benefits to those individuals and to the economy as a whole would be enormous. Research by Moneybox reveals that two thirds of Britons are £65,000 worse off on average due to low financial confidence and knowledge. Astonishingly, it suggests that if these people were better equipped it would equate to a potential £2 trillion of extra spending power in the UK economy over their lifetimes.
Members might think that this difference merely correlates with the haves and the have nots, but Moneybox’s research found that, in most instances, the key indicator of success was financial confidence and not where people started in life. This alone should motivate us to improve the delivery of financial education in schools, but also to ensure that all adults can better equip themselves today. Although this is beyond the scope of the debate today, this is where the advice guidance boundary review could be crucial for Britain’s growth prospects. We must upskill all of Britain today and not only the citizens of the future.
Let me turn now to debt. The consequences of getting this wrong are grave. Our failure to equip people with the knowledge that they need to manage and escape debt puts the most vulnerable in our society at risk—risk of hunger, risk of ill health and risk of financial ruin. My inbox is full of emails from people who reach crisis point before seeking help. In each case, there were so many straightforward steps that they could have taken to prevent escalation, but a combination of shame and financial illiteracy leaves people stranded, helplessly watching on as their situation goes from bad to worse.
I wish to pick up on the point made by the hon. Member for Harlow about people not being able to budget their way out of poverty. He is absolutely right, but we can stop people from spiralling and making things worse. This point is deeply personal to me. I have seen my family suffer from the crippling nature of debt on more than one occasion—both as a child and as an adult. I sometimes think to myself that I just wish that they had reached out to me sooner. But I have a better wish than that: I wish that our education system and society more broadly talked about debt and how to deal with it far more openly.
When I visited my local citizens advice bureau in Wallington recently, staff told me how predatory companies are offering individual voluntary arrangements to people who are totally ill-suited to them. On the face of it, the attraction is clear. Instead of struggling with debt on multiple fronts, a person can make one simple regular payment to a company and that company will deal with everything for them. The trouble is that these companies do not always act in the individual’s interest. They have an incentive to sell IVAs, as they make money from them, and they end up being sold to people who have better alternatives, such as debt management orders. This practice needs to be regulated better, but we should also empower citizens to know better.
The Liberal Democrats support a modernised curriculum—a curriculum for life that ensures that children are equipped with the skills required for adulthood, with a focus on a better understanding of personal finance and financial responsibility. Clearly, financial education needs to start early and must become a key part of the primary curriculum. Research shows that money habits are set at the age of seven, yet there is no statutory requirement to teach personal finance in primary schools in England.
Furthermore, we must support teachers to deliver that education effectively. That means providing centralised guidance, teacher training and signposting to quality resources. The Government should back the national campaign to raise awareness of financial education and its benefits, and support initiatives such as My Money Week, which promotes financial literacy in schools and communities.
But the job does not end in school, and the urgent need to address financial illiteracy cannot be overstated. As the hon. Member for York Outer (Mr Charters) outlined, today’s young people are increasingly turning to social media for financial advice. Just last week, the financial wellbeing charity Your Money found that six in 10 young people follow so-called financial influencers, or “finfluencers”, which is difficult to say, with 77% trusting their advice. Alarmingly, one in 10 said that they would act on that advice without doing further research. If we do not fill the gaps, others will.
The Liberal Democrats will continue to push for measures that address financial exclusion. That can be done by supporting banking hubs, with their crucial offer of face-to-face advice, as well as by protecting funding for citizens advice bureaux, such as the one that I visited in Wallington. The evidence is overwhelming: financial education is not a “nice to have”; it is essential for the wellbeing of our citizens and the future of our economy. I urge the Government to act decisively and ensure that every child in the UK has access to the financial education that they need and deserve.
School Attendance
Judith Cummins Excerpts(1 year ago)
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Mary Kelly Foy (City of Durham) (Lab)
I thank the right hon. Member for Chelmsford (Vicky Ford) for securing the debate. I was unable to attend the Labour Opposition day debate on a similar theme, so I appreciate being able to raise my points here. School absences are a huge problem, and we all agree with that. In County Durham, there were well over 1,000 absences in the 2022-23 autumn and spring terms. That number has sharply risen since the 2016-17 autumn and spring terms, when there were under 250 absences in the county. The Labour party estimates that the number of absences will rise to well over 1,800 by the 2026-27 autumn and spring terms, which would be an increase of 377%—unless, of course, there is a change of policy or, better yet, a change of Government.
Judith Cummins (Bradford South) (Lab)
My hon. Friend is making an excellent speech. Does she agree that we need a coherent strategy for tackling persistent absence, which includes a new register for home schooling, to keep track of these absent pupils?
Mary Kelly Foy
I absolutely agree. All children, whether they are in mainstream schooling or not, deserve to have the same importance placed on their education and their life chances. In Durham, we are blessed with incredible educators, and I must mention Mr Byers of Framwellgate School Durham, who publicly shared his recent letter to families highlighting the importance of good attendance. Mr Byers also encouraged families to reach out for support if they were struggling with their children. We must remember that support is key to ensuring that children achieve all that they are capable of, and I will miss Mr Byers’s supportive attitude when he sadly leaves Fram School in the near future.
It would be remiss of me not to mention St Leonard’s Catholic School in my constituency, and I am sure that Members will appreciate that my constituents, especially those affected at St Leonard’s, will want me to use all available opportunities to raise what their children are going through—after all, that is what they sent me here to do when they elected me in 2019. St Leonard’s was ordered to close just days before the autumn term began last year because of the presence of reinforced autoclaved aerated concrete. According to the Government’s own figures, pupils at St Leonard’s only moved back to full-face education learning at the end of November. Before that, they were in a mix of face-to-face and remote arrangements, and for almost two weeks in fully remote learning.
I want to focus on that because, for the weeks that pupils were not in school, they were unable to socialise or receive a face-to-education, and they were placed in a topsy-turvy arrangement of being taught remotely and then off site. Their education was severely disrupted and it still is—they are being taught in inadequate settings. I would wager that the disastrous impact of RAAC is not too dissimilar to the effect of chronic absences. Absences can severely affect a pupil’s future opportunities—just look at the situation at St Leonard’s—and the Department for Education has not offered any dispensations. In fact, Durham University said the following in a report released last week:
“No policy has yet been devised to protect the results of the exam cohorts most affected. It is not clear why”.
My first question is this: why has a policy not been written up? In a letter that I sent to the Department for Education in October, I suggested an amendment to the Apprenticeships, Skills, Children and Learning Act 2009 to give the Secretary of State the powers to give dispensations where appropriate. Why not start with that? I cannot be more emphatic about this point: parents, teachers and pupils are extremely worried that pupils will not be achieve their dream of getting into the university of their choice because the Government have not offered to help them. When will the Government offer to help them?
With the crisis in St Leonard’s school, we can see how other injustices, such as the situation with Royal Mail, have been able to run away with themselves in this place. Government Ministers, such as the right hon. Member for Kingston and Surbiton (Ed Davey), could have solved that problem; they could have brought justice for those affected. Instead, there was inaction and indifference. What are the consequences? The people out there—the people who we are supposed to serve—are left all the worse off. I will not allow that to happen to my constituents.
Making Britain the Best Place to Grow Up and Grow Old
Judith Cummins Excerpts(2 years, 9 months ago)
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Judith Cummins (Bradford South) (Lab)
My constituents are facing a growing number of crises that continue to pile up day after day. I accept some of these difficulties are new, but most are not. Most of these difficulties have been brewing and festering for years. The Government’s failure to solve these problems or come up with solutions has pushed many services to breaking point and now families are being left to bear the brunt. Despite the fact that day after day cash-strapped families are trying to make ends meet by working extra hours, often in multiple jobs, what do those on the Government Benches tell them? Learn to cook, learn to budget, work more hours, get a better paid job—you’re responsible, you’re to blame, it’s you who are doing it wrong.
However, what people need from the Government is help to navigate through the things that are out of their control. They need them to solve the long-term issues which continue to push down on people’s quality of living and eventually leave them out of options. It is one of those issues that I want to address today. It is an issue that is not in the Queen’s Speech, but really should be, because NHS dentistry and oral health inequality has been repeatedly unaddressed by this Government. Access to basic dentistry care in this country is often forgotten, but it is a vital part of the nation’s health.
In 2016, an NHS Digital report found that just under half of dentists were thinking of leaving dentistry, so I warned the Government not to kick the can down the road and risk a crisis in dental care. I told the Government then that the most important measure they could implement, as highlighted by the British Dental Association, would be changes to the dental contract that incentivised prevention, but nothing was done.
In 2017, the BDA told us that 58% of the UK’s NHS dentists were planning on turning away from NHS dentistry in the next five years. So again I warned the Government that we faced a national crisis. In 2019, The Times reported that 60% of dentists planned to leave the profession, or cut back NHS care in the next five years, with more than 1 million new patients turned away and some patients resorting to pulling out their own teeth. Yet again, nothing was done.
In 2020, I told the Government that a majority of NHS dental practices across England believed they could only survive for 12 months or less. The Government said they would look at the workforce issue “more broadly” and “in the round”, but no action was forthcoming and 1,000 NHS dentists left the service. Earlier this year, hearing that almost 1,000 children under 10 in Bradford had to be admitted to hospital to have decayed teeth removed, I pleaded with the Government to finally deal with the issue that had been staring them in the face for years. Then, of course, to nobody’s surprise except this Government’s, last week, it was revealed that 2,000 dentists have quit the service in the last year.
We urgently need to reform the dental contract. It is not good enough to be told time and again, year after year, that reform is imminent, because I have been asking for seven years now and still the Government have yet to deliver. If the Government need help with budgeting, I can point the Chancellor in the direction of one of his own MPs who might have a course he can take up, but I desperately do not want to be back here in 2023 still trying to open the Government’s eyes to the massive freight train coming towards them. I have sounded the alarm, other Members have sounded the alarm, and dentists and patients have sounded the alarm;. We are all waiting for the Government to act and reform the dental contract. Patients and our constituents cannot wait any longer.
Oral Answers to Questions
Judith Cummins Excerpts(3 years, 5 months ago)
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Dame Diana Johnson (Kingston upon Hull North) (Lab)
Judith Cummins (Bradford South) (Lab)
The Parliamentary Under-Secretary of State for Education (Gillian Keegan)
Employers are facing skills shortages that we must act to address. It is vital in a fast-moving and high-tech economy that technical education closes the gap between what people study and the needs of employers. Our plans for reform of level 3 qualifications were published on 14 July. We will continue to fund high-quality qualifications that can be taken alongside—or as alternatives to—T-levels and A-levels where there is a clear need for skills and knowledge that T-levels and A-levels cannot provide. Those may include some Pearson BTECs, provided that they meet new quality criteria for funding approval.
Gillian Keegan
We are not scrapping BTEC funding; we are upgrading our level 3 qualification offer to make sure that it keeps in line with the needs of today’s economy. T-levels were in design for many years. They were designed with 250 leading employers who said that the qualifications needed to be upgraded to keep up. Poor-quality qualifications benefit nobody, least of all those who are disadvantaged. All our qualifications will be high-quality and we will make sure that they offer clear progression routes into the workforce or into higher education.
Judith Cummins
Where learners over the age of 19 are returning to study, the removal of BTEC funding will mean that only those following an academic pathway will have the option to return to study or to skilled employment. How is removing learners’ options to progress to level 3 qualifications and to higher education or employment compatible with the lifetime skills guarantee offer? Can that be right?
Gillian Keegan
To be clear, the level 3 offer will also include T-levels; we are also considering access to those to a broader group. The lifetime skills guarantee is a level 3 offer specifically focused on adults that was introduced in April this year in more than 400 courses, all of which address a skills shortage. We are trying to make sure that when people put their time, and sometimes their own money, into study, it offers value to them and to the workplace. That is what is behind our level 3 qualifications review.
Oral Answers to Questions
Judith Cummins Excerpts(4 years ago)
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Vicky Ford
DFE helplines have been giving support to schools and others on a wide range of matters. On Wednesday morning, after seeing some of the photos of unacceptable parcels, we announced that parents could call the DFE if they had a problem with a lunch parcel, but that they should try to resolve it with the school first. There are around 1.4 million children on free school meals. By the end of last week, we had received a total of seven calls in relation to unacceptable lunch parcels. Each has been fully investigated. We expect high-quality lunch parcels for our children.
Judith Cummins (Bradford South) (Lab) [V]
The Minister for School Standards (Nick Gibb)
Ensuring that no child suffers a loss to their education or damage to their long-term prospects as a consequence of the pandemic is a key priority of education policy. That is why we have secured £1 billion of catch-up funding from the Treasury; £350 million of that is for the national tutoring programme, and £650 million is being distributed to all schools across the country on the basis of £80 per pupil and £240 per pupil in special school settings. That money can be used to target the children who most need to catch up.
Equality Act 2010: Children from Disadvantaged Backgrounds
Judith Cummins Excerpts(4 years, 4 months ago)
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Vicky Ford
My hon. Friend raises an excellent point. This is why the national tutoring programme will bring extra resources into schools to help young people. That will be on top of the £650 million catch-up fund that has gone to all schools. It will provide extra tutoring and support—one on one, or in small groups—for those individuals, for whom it is so important. This is a deeply challenging time, and we absolutely understand that we need to make sure that the attainment gap does not unnecessarily widen any more. We have spent a decade trying to close it, and we need to make sure that it does not spring apart again, particularly for the cohorts of children that my hon. Friend mentions.
I am enormously grateful for my hon. Friend’s support for this agenda. He has raised important concerns. I particularly note his questions, which we will take up with the Equalities Office. I hope I have helped to explain the difference between positive action, which is allowed, and positive discrimination, which is not. I point him again to the need for continual work on the guidance on this subject, and I will make sure that I continue to raise these points with the Minister for Equalities, my hon. Friend the Member for Saffron Walden (Kemi Badenoch). I hope my hon. Friend the Member for Mansfield is happy that the Government’s response today echoes his concerns. We have taken steps to underline the importance of supporting the most disadvantaged and vulnerable, and to make sure that all children from all backgrounds, including the most disadvantaged, have the best opportunities in life.
Question put and agreed to.
Judith Cummins (in the Chair)
In order to allow the safe exit of hon. Members participating in this item of business and the safe arrival of those who are coming in for the next debate, I am suspending the House for two minutes.
Education
Judith Cummins Excerpts(5 years, 4 months ago)
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Mrs Badenoch
I met the Children’s Commissioner last week, and discussed this issue among many others. We welcome her report. However, I remind the hon. Gentleman that the Government are spending £6 billion on special educational needs, and are adding an additional £700 million. That is part of the extra £14 billion that we are spending over three years, and I think that it is to be welcomed.
Disadvantaged Schools: Per Pupil Funding Increase
The following is an extract from Questions to the Secretary of State for Education on 9 September 2019.
Judith Cummins
Pupils in disadvantaged areas are significantly less likely to pass crucial GCSEs such as English and maths. School funding must reflect different needs in different places, but the Government’s recent funding announcement will do exactly the opposite and sees more money going into affluent schools in the south of England while many schools in Bradford South will continue to lose out. How can the Minister justify that disgraceful situation?
Nick Gibb
Under this settlement, all schools will receive more money, at least in line with inflation, and schools with the highest proportions of children from disadvantaged backgrounds will receive the highest level of funding. Since 2011, we have closed the attainment gap by 9.5% in secondary schools and by 13% in primary schools.
[Official Report, 9 September 2019, Vol. 664, c. 489.]
Letter of correction from the Minister for School Standards.
An error has been identified in the answer I gave to the hon. Member for Bradford South (Judith Cummins).
The correct answer should have been:
Oral Answers to Questions
Judith Cummins Excerpts(5 years, 5 months ago)
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Nick Gibb
I pay tribute to my hon. Friend, because it was as a result of her intervention that we introduced minimum per pupil funding into the national funding formula. She and her constituents will be pleased to know that, as a result of last week’s funding announcement, all seven of the secondary schools in her constituency will benefit from our pledge to level up per pupil funding to at least £5,000 per pupil, and that 16 primary schools in her constituency will benefit from the new level of at least £3,750 per pupil.
Judith Cummins (Bradford South) (Lab)
The Minister for School Standards (Nick Gibb)
Minimum per pupil values benefit the historically lowest-funded schools. We recognise that schools with more disadvantaged pupils require additional resources, and the national funding formula and pupil premium allocate additional funding in relation to disadvantaged pupils, so that schools with a higher proportion of disadvantaged pupils are the highest funded.
Judith Cummins
Pupils in disadvantaged areas are significantly less likely to pass crucial GCSEs such as English and maths. School funding must reflect different needs in different places, but the Government’s recent funding announcement will do exactly the opposite and sees more money going into affluent schools in the south of England while many schools in Bradford South will continue to lose out. How can the Minister justify that disgraceful situation?
Nick Gibb
Under this settlement, all schools will receive more money, at least in line with inflation, and schools with the highest proportions of children from disadvantaged backgrounds will receive the highest level of funding. Since 2011, we have closed the attainment gap by 9.5% in secondary schools and by 13% in primary schools.[Official Report, 25 September 2019, Vol. 664, c. 8MC.]
Children’s Future Food Inquiry
Judith Cummins Excerpts(5 years, 9 months ago)
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Judith Cummins (Bradford South) (Lab)
It is a pleasure to serve under your chairmanship, Mr Rosindell. I congratulate my hon. Friend the Member for Bristol East (Kerry McCarthy) on securing this important debate, and all members of the panel and other organisations on producing the report.
Far too many children across the country live in poverty, which we know can have a variety of extremely detrimental effects on their wellbeing, development and life chances. Nowhere is that clearer than with the issue of food poverty and food insecurity. Across Bradford, 21.8% of children live in poverty. In my constituency, 25% of children—more than 7,000—live in poverty. Exact figures for how many children experience food poverty and insecurity are harder to come by, but it is likely that a high proportion of those who live in poverty have experienced food insecurity and, ultimately, hunger.
I will turn to some of the ways that is damaging children in my constituency, as the report rightly makes clear the link between food insecurity and attendance, achievement and attainment at school. What children eat during the day affects their concentration and performance in school. Children who are hungry are significantly more likely to misbehave or lose concentration and attention during lessons.
Hunger during term time is further compounded by hunger in the holidays. The long summer holidays are thought to contribute to weeks’ worth of learning loss for the most disadvantaged children, and many teachers report its effects when the school year begins again. It is clear that food insecurity and going hungry is holding our children back from achieving their full potential. In my constituency, which ranks at the very bottom of all English constituencies for school-age social mobility, this is having a devastating impact on life chances for children from the most disadvantaged backgrounds. If we are to address the urgent problem of poor social mobility in this country, highlighted recently by the Social Mobility Commission’s annual report, we must ensure that as a bare minimum no child goes hungry.
One of the great strengths of the report, and what sets it apart from others, is that it prominently features the contribution of young people who have themselves experienced food poverty. Their testimony is both heartbreaking and powerful. I commend their dignity and I hope that their stories will be a wake-up call for all politicians to act now. I endorse the children’s #Right2Food charter that was developed as part of the inquiry. All children, whatever their background, deserve nothing less than a healthy and balanced diet. We must consider a range of policies that can further this goal, and I support the calls to expand free school meals and the Healthy Start voucher scheme.
I agree with the inquiry’s conclusion that the Government must act with more urgency and focus on this issue, for instance by establishing a new watchdog and including young people in its leadership. Our ultimate ambition must be that no child experiences poverty of any type. That will require wholescale effort by the Government that reaches across all Government Departments. As a start, reinstating and properly funding Sure Start and investing in our early years programme is a must. While children continue to live in poverty, the very least we must do is ensure that they do not go hungry.
Oral Answers to Questions
Judith Cummins Excerpts(5 years, 9 months ago)
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Damian Hinds
My hon. Friend is right that we have to get the process right. We continue to keep the process under review. I would be happy for either me or my noble Friend Lord Agnew to meet my hon. Friend to discuss that case.
Judith Cummins (Bradford South) (Lab)
Recent figures show that areas with the greatest need have seen the biggest decline in the number of apprenticeship starts in the past year, with new starts in Bradford South falling by around 50%. I thank the Minister for visiting my constituency, but I am extremely concerned that the current apprenticeship scheme may be widening rather than narrowing the gap between different parts of the country. Will the Minister outline her plans to remedy the situation?
Anne Milton
It was a pleasure to visit the hon. Lady’s constituency, where we saw examples of real excellence in the provision of apprenticeships. We have two specific projects, including the 5 Cities project, which is increasing diversity, and we are working in four separate areas to see whether we can make sure that young people from disadvantaged backgrounds can access high-quality apprenticeships, because they often lack the social capital that others from less disadvantaged backgrounds have.