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From pandemics and extreme weather to cyber attacks and economic shocks, ministers have repeatedly warned that disruption is no longer exceptional, but a feature of modern life.","2026-05-13T09:12:00.000Z",{"_type":69,"current":70},"slug","why-financial-resilience-is-now-a-strategic-priority","Why financial resilience is now a strategic priority for employers and employees",[73],{"_key":74,"_ref":75,"_type":76},"5ccad4e59c0b","12b54bfa-9508-4e6d-9790-36e8dddeba40","reference",[78,89,97,105,125,133,152,161,169,177,185,193,201,215,227,239,262],{"_key":79,"_type":80,"children":81,"markDefs":87,"style":88},"cae22530cce3","block",[82],{"_key":83,"_type":84,"marks":85,"text":86},"293a57e40a2a","span",[],"Over the years, successive governments have been striking a clear and consistent message: the UK must become more resilient. From pandemics and extreme weather to cyber‑attacks and economic shocks, ministers have repeatedly warned that disruption is no longer exceptional, but a feature of modern life.",[],"normal",{"_key":90,"_type":80,"children":91,"markDefs":96,"style":88},"f959056307f5",[92],{"_key":93,"_type":84,"marks":94,"text":95},"ec8217423e25",[],"Improving resilience is a consideration for individuals and workplaces too. When shocks reach households, financial fragility can quickly become a wider organisational and economic issue, driving stress, absenteeism and reduced productivity.",[],{"_key":98,"_type":80,"children":99,"markDefs":104,"style":88},"3cdb1bc8f6d9",[100],{"_key":101,"_type":84,"marks":102,"text":103},"53bd40ff9684",[],"As the focus shifts from reacting to crises towards prevention and preparedness, financial resilience at an individual level is emerging as a growing issue that needs to be tackled – with employers having an important role to play.",[],{"_key":106,"_type":80,"children":107,"markDefs":121,"style":88},"733ad5431a9c",[108,112,117],{"_key":109,"_type":84,"marks":110,"text":111},"ccd4ddf56081",[],"Research from WEALTH at work",{"_key":113,"_type":84,"marks":114,"text":116},"63cccb15527c",[115],"584c074a2c8b","[2]",{"_key":118,"_type":84,"marks":119,"text":120},"b1ee117d0727",[],", conducted among 2,000 UK workers, found that almost half (47%) say their biggest financial concern is not being able to save enough for the future, rising from 37% a year ago. Closely behind, 45% worry about not having enough savings for unexpected costs, while 29% are concerned about being unable to afford basic living costs and 26% are worried about being in debt.",[122],{"_key":115,"_type":123,"href":124},"link","#_ftn2",{"_key":126,"_type":80,"children":127,"markDefs":132,"style":88},"4bb67616258d",[128],{"_key":129,"_type":84,"marks":130,"text":131},"9a23e73c7574",[],"Financial pressures are also reshaping everyday behaviour. Almost half of workers (46%) are cutting back on non-essential spending and 18% have taken on debt. Workers admit that money worries affect their performance at work by causing increased stress levels (36%) and mental exhaustion (34%). With implications for workplace productivity including decreased motivation (23%), reduced focus and concentration (20%) and increased sick days (8%).",[],{"_key":134,"_type":80,"children":135,"markDefs":149,"style":88},"72caa6d4bfb2",[136,140,145],{"_key":137,"_type":84,"marks":138,"text":139},"2ac38b374c50",[],"A recent report from Mintel",{"_key":141,"_type":84,"marks":142,"text":144},"0ef9697ca39d",[143],"0af321e00d57","[3]",{"_key":146,"_type":84,"marks":147,"text":148},"3570491a3987",[]," found that nearly two-thirds of people (59%) said they were interested in education on debt management to improve their financial stability. There is a clear opportunity for workplaces to meet this rising need and strengthen people’s financial resilience.",[150],{"_key":143,"_type":123,"href":151},"#_ftn3",{"_key":153,"_type":80,"children":154,"markDefs":160,"style":88},"390b461f5c18",[155],{"_key":156,"_type":84,"marks":157,"text":159},"69097aa9105b",[158],"strong","Jonathan Watts-Lay, Director, WEALTH at work, comments:",[],{"_key":162,"_type":80,"children":163,"markDefs":168,"style":88},"ab8b3f373072",[164],{"_key":165,"_type":84,"marks":166,"text":167},"3e241f52ecda",[],"“Individuals can take sensible steps to strengthen their financial resilience, and employers have an opportunity to support this goal. In an era of uncertainty, financially resilient people are not just better protected, they are better equipped to help sustain organisations, communities and the wider UK economy.",[],{"_key":170,"_type":80,"children":171,"markDefs":176,"style":88},"d0385d0436d8",[172],{"_key":173,"_type":84,"marks":174,"text":175},"d7f678c1bf5e",[],"“For HR leaders, financial wellbeing is no longer a nice to have benefit; it is a core component of organisational resilience. Employers that treat financial wellbeing strategically can help to bridge the gap between the UK’s national resilience ambitions and people’s day to day lives.",[],{"_key":178,"_type":80,"children":179,"markDefs":184,"style":88},"21ba2157396a",[180],{"_key":181,"_type":84,"marks":182,"text":183},"d8dd71a5239f",[],"“One of the cornerstones of an effective resilience strategy is the need for everyone to understand the risks they are facing. This highlights the critical role of financial education. Financial literacy enables people to make informed decisions, anticipate challenges and respond more calmly under pressure. Understanding budgeting, saving, borrowing, insurance and pensions does not eliminate risk, but it significantly improves people’s ability to cope when things go wrong.”",[],{"_key":186,"_type":80,"children":187,"markDefs":192,"style":88},"128a4855c3e2",[188],{"_key":189,"_type":84,"marks":190,"text":191},"d08ca9f1b6bd",[],"“For HR professionals, financial education is one of the most scalable and cost‑effective actions available. Delivered well, it empowers employees and reduces the risk of disruption further down the line. As resilience rises in importance across all levels of society, it is becoming increasingly clear that financial wellbeing isn’t just an employee benefit; it’s a strategic investment in your people and your organisation’s success.”",[],{"_key":194,"_type":80,"children":195,"markDefs":200,"style":88},"0b768a1b4b4a",[196],{"_key":197,"_type":84,"marks":198,"text":199},"51d1965e1923",[],"WEALTH at work has outlined five steps for employers to share with their employees to help them gain better control of their finances and become more financially resilient:",[],{"_key":202,"_type":80,"children":203,"level":212,"listItem":213,"markDefs":214,"style":88},"1dee3951ed68",[204,208],{"_key":205,"_type":84,"marks":206,"text":207},"2271bb7bd5a5",[158],"Create a budget",{"_key":209,"_type":84,"marks":210,"text":211},"81ae3af83c75",[]," – The initial step to reducing expenses is to create a budget. People should work out what exactly their income is each month and check their bank statements to clarify what outgoings they have. Outgoings can then be divided into fixed costs which have to be paid such as a mortgage, council tax, energy and water, and then those which may be able to be cut back on such as supermarket shopping, monthly contracts for TV, subscriptions and other spending. Some banks have apps which enable this to be done automatically; this will highlight where money is going and where savings could be made.",1,"number",[],{"_key":216,"_type":80,"children":217,"level":212,"listItem":213,"markDefs":226,"style":88},"e60df2bb5a9e",[218,222],{"_key":219,"_type":84,"marks":220,"text":221},"00a42e6b32a7",[158],"Manage debt",{"_key":223,"_type":84,"marks":224,"text":225},"ad6684d50ed4",[]," – It’s important to understand the difference between good debt and bad debt. For example, a mortgage is a form of good debt which should be reviewed occasionally to ensure you have a good deal. However, at the opposite end of the spectrum, debt with high interest payments such as payday loans and credit cards can get out of control if they are not repaid quickly. For those struggling with debt, a good option could be to consolidate all debts into a 0% or low interest balance transfer card, as more money will go towards paying the debt off and enable it to be cleared over a shorter time. Those who are struggling to make a payment should speak to their provider before they miss a payment as help may be available.",[],{"_key":228,"_type":80,"children":229,"level":212,"listItem":213,"markDefs":238,"style":88},"3cc8327937cf",[230,234],{"_key":231,"_type":84,"marks":232,"text":233},"7615c9b9f36c",[158],"Create savings",{"_key":235,"_type":84,"marks":236,"text":237},"ea67f64a90c0",[]," - A lack of savings can have a serious impact on financial resilience, as many people unfortunately realise too late the importance of having emergency savings. Ideally individuals should have three to six months of emergency savings which can be accessed at short notice. This can provide a financial buffer if they, or a member of their household, experiences a drop of income due to redundancy, illness, or unexpected expenses - such as replacing the boiler or expensive car repairs. Setting up a regular transfer to a savings account can be a useful way to get into the habit of saving. Some workplaces also offer payroll saving into a Workplace ISA which means that money is automatically saved from your pay, making saving effortless and habitual.",[],{"_key":240,"_type":80,"children":241,"level":212,"listItem":213,"markDefs":259,"style":88},"d3702f156987",[242,246,250,255],{"_key":243,"_type":84,"marks":244,"text":245},"05625289bc03",[158],"Make the most of pensions",{"_key":247,"_type":84,"marks":248,"text":249},"70d62f42da17",[]," – Pensions can be one of the most valuable ways of saving for the future. Currently, employers are required to make a 3% minimum contribution with employees contributing the remaining 5% to bring the total pension contribution to 8%. Individuals should check the contributions they are making and consider whether they can afford to increase them. Depending on the arrangement an employer has in place, some will match any additional contributions which can make a big difference. For example, someone in their 20s saving 1% more each year into a workplace pension, and matched by their employer, can potentially increase a pension pot by 25%",{"_key":251,"_type":84,"marks":252,"text":254},"59849dc9f912",[253],"6abd70deb1b0","[4]",{"_key":256,"_type":84,"marks":257,"text":258},"27870555eb9e",[]," in retirement. Also, don’t forget to keep track of all your pensions. Whilst auto-enrolment has successfully increased pension participation, it has also led to employees accumulating multiple small pension pots as they move between jobs. 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