Portsmouth Offenders Project - know money, no problem
Session 1 - benefits
This file includes all the training resources used in this session including:
- A game about identifying different kinds of benefits.
- A multiple choice quiz for participants about claiming benefits (plus answers).
- Handouts about changing circumstances and benefit overpayments
- Handouts about case studies (plus answers)
Session 2 - debt
This file includes all the training resources used in this session including:
- An icebreaker game of 'debt jargon' bingo to explain common terminology.
- A quiz to help identify participants' attitudes to spending money.
- Handouts about identifying Priority and Non-Priority Debts, Courts, Consequences of debt, Key Factss about the Consumer Credit Act.
- Case studies (and answers)
- Information sheets about debt collection guidance from the Office of Fair Trading (OFT)
- A wordsearch quiz highlighting types of debt.
Session 3 - budgeting
This file includes all the training resources used in this session including:
- An icebreaker teaching participants about what are essential and non-essential items
- An exercise showing what you need and what you don't need
- A table to use to identify money coming in and money going out
- A handout to help participants idenfity where all their money goes.
- A case study about an offender for participants to identify how much money he has and what he needs to buy, and what is left.
- A handout with top tips providing some helpful advice and recommendations on how to make your money go further by budgeting, shopping around, prioritising spending.
- Keep Warm; Keep Well - a leaflet providing advice and tips on keeping warm and healthy during the winter months, especially around heating the home, fuel efficiency and sources of financial help to heat your home.
Session 4 - banking
This file includes all the training resources used in this session including:
- An icebreaker identifying the advantages and disadvantages of having a bank account.
- Handouts about comparing bank accounts, types of bank account, deciding on which bank account is right for your needs, and details about what documents are permitted as idenficiation for opening a bank account.
Session 5 - borrowing & saving
This file includes all the training resources used in this session including:
- An exercise about credit highlighting the terms for different kinds of credit and what each means.
- An exercise about saving highlighting the terms for different kinds of saving facility and what each means
- Handouts showing different ways to borrow and different ways to save, including the main features of each. Also includes details of who provides them (banks, building society, credit union, Post Office) and what to watch out for.
Session 6 - your money and the internet
Please find in this section, the workbook used in the session on Your Money and the Internet. The workbook was distributed to participants and worked through - there were no other exercises or handouts included.
Session 7 - income, insurance and pensions
- An icebreaker exercise around national income showing how all taxes (direct and indirect) that are raised by the government are spent and on which public services.
- On income, it includes handouts on classes of National Insurance contributions, tax codes and what they mean, different tax allowances available, how to complete the income tax self-assessment.
- On insurance, it includes handouts on different risks in life which insurance can cover and types of insurance available broken down by different areas of protection.
- Information providing help and advice with tax issues.
- A leaflet produced by the charity UNLOCK which campaigns on behalf of offenders and ex-offenders on financial matters helping them to gain fairer access to banking, insurance and employment opportunities. This leaflet provides information on accessing insurance for people with an unspent or spent conviction.