Lifestyle

Why Public Sector Workers Turn to Payday Loans

Published

3 years ago

August 27, 2021

When working in the public sector, there is a certain reputation around the pay that you will gain as a public sector worker, but also the number of hours that you will be working. In this article, we will be providing you with information as to why several public sector workers have turned to payday loans over time.

Government Salaries Are Not High Enough

When looking at why those working in the public sector are leaning on payday loans, you should first look at the obvious which is the pay that they receive. With pay not being high enough for the jobs that they complete, this leads to many leaning on unsecured loans UK options and payday loans to cover a financial difficulty such as unexpected bills or an emergency breakdown such as a car breakdown.

Pay Freezes Are A Regular Thing

In addition to the public sector workers not being paid enough, there are also regular pay freezes that have also had a significant impact on their finances. With many not seeing a pay rise for 7 years or more, several public sector workers have either taken to payday loans or a second job to ensure that the monthly income is enough to pay the bills and ensure that you are financially stable throughout the course of the year. With many still experiencing these pay freezes, this has become a regular thing for those in working in the public sector.

Inflation Rising Outdoes Pay Growth For The Public Sector

Another reason why the average public sector worker is the price of inflation. With inflation rising to 2.9% in May, the pay of the public sector workers is lacking as a result. With many showing concern at the rate at which the wage is lacking, there are several calls for pay to increase significantly to ensure that those in public sector roles are able to meet the requirements needed. This is important as this will make sure that they can earn a liveable wage and support themselves financially should they be faced with a financial emergency.

Public Sector Workers Are Left Financially Unstable

When you are met with a financial emergency it can be a stressful time, particularly if you have no savings to fall back on. With many leaning to loans in order to cover finances and others working another job to make sure the finances are organised, there are several ways that financial loans are helping them to pay off these unseen financial emergencies without damaging their credit score or stretching their budget to breaking point. However, with so much to consider, as well as an increase n pay for our public sector works, it is important to make sure we are monitoring this and changing pay accordingly.

With this in mind, there are several ways that changes to public sector pay and rules regarding pensions can change to ensure that those in the public sector are more financially stable.

Lifestyle

Kristien Surya Jewelry: A New Standard in Affordable Luxury Jewelry

Published

16 hours ago

December 19, 2024

Michelle Langton

Photo credit: Kristien Surya Jewelry

Byline: Sarah Kingston-Powell

Kristien Surya Jewelry combines cultural heritage with contemporary design from its Newport Beach headquarters. Launched in November 2023, the brand draws from Western, Indian, Chinese, and Islamic design elements. The signature pieces include the Hamsa hands collection with natural gemstones and the organically shaped Sunyata series, both crafted in sterling silver, solid 14K, and 18K gold.

“Each piece tells a story of cultural connection through carefully selected materials and meaningful symbolism,” says founder Kristien, who bootstrapped the company as its sole angel investor.

Social Impact Through Accessible Pricing

Despite its recent launch, the brand experienced significant early success, reflecting strong consumer interest. With global shipping and plans to expand its reach, Kristien Surya Jewelry is poised to attract an international audience that values culturally meaningful and socially responsible luxury.

While fine jewelry typically commands premium prices, Kristien Surya offers installment payment options and competitive pricing without compromising materials or craftsmanship.

A portion of sales supports the National Pediatric Cancer Association’s Sunshine Project, which develops non-toxic cancer treatments for children. Proceeds also help fund education and fair wage initiatives for women and children facing economic hardships.

Sustainability and Customization Focus

The brand’s ECO-LOVE Program incorporates lab-grown gems alongside natural stones, addressing growing consumer interest in sustainable luxury goods. Market research from McKinsey indicates that 73% of millennials are willing to spend more on sustainable brands.

“We select natural gemstones and crystals not just for aesthetics, but for their unique properties that promote emotional and spiritual well-being,” Sun explains. Customers can personalize their amulets by choosing specific gemstones, creating individual meaning for each piece.

Market Strategy and Growth

Currently serving North America through its e-commerce platform, Kristien Surya plans to expand to additional online marketplaces. “Our goal is more than about selling jewelry—we’re building a brand that celebrates diverse cultural heritage while making fine jewelry accessible to more people,” says Kristien. The company maintains a strong social media presence on Instagram and Facebook to engage with customers and showcase its cultural influences.

Kristien Surya Jewelry sets itself apart with its focus on cultural inspiration, sustainability, and social impact. Leveraging digital platforms like Instagram and Facebook, the brand aims to foster a vibrant online community. Special promotions, such as Blind Box Gifts for early followers, enhance its engagement strategy.

Design Philosophy and Production

Each collection draws inspiration from specific cultural elements: Western philosophical traditions, Indian spirituality, Chinese harmony concepts, and Islamic artistic patterns. The manufacturing process combines traditional craftsmanship with modern production techniques to maintain quality while achieving competitive pricing.

The Hamsa hands collection features double gemstone settings—an innovation within its price category. Production standards match luxury specifications: all pieces undergo multiple quality control checks and come with authentication certificates.

Future Developments

Kristien Surya plans to introduce new collections quarterly while maintaining its core design philosophy. The company’s near-term objectives include expanding its online presence and developing additional customization options for customers.

The brand recently began developing partnerships with retail locations in major U.S. cities, though specific details remain private. Current data suggests strong market potential for culturally-inspired fine jewelry at accessible price points, particularly among millennial and Gen Z consumers who prioritize meaning and value in their purchases.