The really frightening thing about today's cuts is that no one knows their combined impact

The sums just don't add up.

"How will I cope with the bedroom tax? I already have more outgoings than ingoings. I don't have my heating on, I don't have my fridge on. I buy reduced food, 10p loaves of bread. I go to the swimming pool to shower so I save gas. I can't make any more savings."

This is Debbie, 45, from Newcastle.

Until a few months ago, she claimed no benefits and was paying her own rent. Then she suffered a serious illness and lost her job as a support worker. She is thankful her £71 rent is currently being covered by housing benefit, but is struggling to survive on just £71 a week Employment Support Allowance. As of this month, she will be hit not only by the bedroom tax, but will also face a £64 council tax bill as Council Tax Benefit is withdrawn.

Crisis is working with Debbie to help her rebuild her life, but our fear is that these measures could leave her, and thousands of others like her, in serious trouble.

Debbie faces losing her home, and with a severe lack of one-bedroom properties in the area, she is justifiably scared about the future. She is one of millions struggling with a bewildering array of cuts that come in April 2013. The one thing they have in common is that they all hit those with least to lose - those already closest to homelessness.

The really frightening thing about today's cuts is that no one knows their combined impact. Indeed, the influential Public Accounts Committee has expressed concern that:

"The Department is introducing these significant changes without comprehensive modelling of the likely outcome on individuals"

The scale is enormous: 660,000 households will be hit by the bedroom tax; 2.4 million households by the Council Tax Benefit cut; 56,000 households by the overall benefit cap; 9.6 million households by 2015/16 by benefits uprating; 1.36 million households by Local Housing Allowance cuts; 500,000 disabled people will lose out when DLA becomes PIP. Last year 1.7 million grants and crisis loans were made to people on the brink of destitution or rebuilding their lives following homelessness - these are to be abolished, cut and localised. Even Legal Aid for housing and benefit disputes is to be stopped, so people who believe they have been treated unfairly will have no power to challenge.

The result for households budgeting for these multiple cuts will be a cold, bleak April of misery, debt, food banks, unheated rooms, unpaid rent and homelessness. Leaving aside the moral repugnance of forcing the poorest in our society to bear such a burden, this is going to cost us all dearly.

The price to the public purse of keeping someone in their home pales into insignificance next to the cost once they lose it. The price of B&Bs, hostel rooms, A&E departments, mental ill-health and rough sleeping services is enormous. These cuts are not only cruel - they are counter-productive for us all.

And they come at the worst possible time. Homelessness is already rising as the economic downturn and previous cuts take their toll. Over the past two years rough sleeping has risen by 31 per cent, and the number of households accepted as homeless by local authorities has gone up by 26 per cent. Unemployment and underemployment remain stubbornly high.

In the words of Debbie: "It will be impossible to cope - the sums just don't add up." I couldn't put it better myself. The sums don't add up for Debbie, and they don't add up for society either.

Photograph: Getty Images

Leslie Morphy is the outgoing Chief Executive of Crisis, the national charity for single homelessness people.

Photo: Getty
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The campaign to keep Britain in Europe must be based on hope, not fear

Together we can show the world a generous, outward-facing Britain we can all be proud of.

Today the Liberal Democrats launched our national campaign to keep Britain in Europe. With the polls showing the outcome of this referendum is on a knife-edge, our party is determined to play a decisive role in this once in a generation fight. This will not be an easy campaign. But it is one we will relish as the UK's most outward-looking and internationalist party. Together in Europe the UK has delivered peace, created the world’s largest free trade area and given the British people the opportunity to live, work and travel freely across the continent. Now is the time to build on these achievements, not throw them all away.

Already we are hearing fear-mongering from both sides in this heated debate. On the one hand, Ukip and the feuding Leave campaigns have shamelessly seized on the events in Cologne at New Year to claim that British women will be at risk if the UK stays in Europe. On the other, David Cameron claims that the refugees he derides as a "bunch of migrants" in Calais will all descend on the other side of the Channel the minute Britain leaves the EU. The British public deserve better than this. Rather than constant mud-slinging and politicising of the world's biggest humanitarian crisis since the Second World War, we need a frank and honest debate about what is really at stake. Most importantly this should be a positive campaign, one that is fought on hope and not on fear. As we have a seen in Scotland, a referendum won through scare tactics alone risks winning the battle but losing the war.

The voice of business and civil society, from scientists and the police to environmental charities, have a crucial role to play in explaining how being in the EU benefits the British economy and enhances people's everyday lives. All those who believe in Britain's EU membership must not be afraid to speak out and make the positive case why being in Europe makes us more prosperous, stable and secure. Because at its heart this debate is not just about facts and figures, it is about what kind of country we want to be.

The Leave campaigns cannot agree what they believe in. Some want the UK to be an offshore, deregulated tax haven, others advocate a protectionist, mean-hearted country that shuts it doors to the world. As with so many populist movements, from Putin to Trump, they are defined not by what they are for but what they are against. Their failure to come up with a credible vision for our country's future is not patriotic, it is irresponsible.

This leaves the field open to put forward a united vision of Britain's place in Europe and the world. Liberal Democrats are clear what we believe in: an open, inclusive and tolerant nation that stands tall in the world and doesn't hide from it. We are not uncritical of the EU's institutions. Indeed as Liberals, we fiercely believe that power must be devolved to the lowest possible level, empowering communities and individuals wherever possible to make decisions for themselves. But we recognise that staying in Europe is the best way to find the solutions to the problems that don't stop at borders, rather than leaving them to our children and grandchildren. We believe Britain must put itself at the heart of our continent's future and shape a more effective and more accountable Europe, focused on responding to major global challenges we face.

Together in Europe we can build a strong and prosperous future, from pioneering research into life-saving new medicines to tackling climate change and fighting international crime. Together we can provide hope for the desperate and spread the peace we now take for granted to the rest of the world. And together we can show the world a generous, outward-facing Britain we can all be proud of. So if you agree then join the Liberal Democrat campaign today, to remain in together, and to stand up for the type of Britain you think we should be.