Niall Alexander Coordinator

Managing money Planning ahead Making choices Getting support

GWSF GEMAP ng homes Southside HA Wheatley Group Queens Cross HA Glasgow Council

Austerity DHP £12bn Zero hours Digital by default Jamjar Bedroom tax Foodbanks Direct payments Debt Heat or eat Archbishop Deserving Hard working families “Benefit St.” BSA32 Squeezed middle Universal Credit Frozen wages I nequality

Agree… with benefit cap Agree… unemployment benefits are too high Agree… unemployed people could find work 73% 52% 59%

Website Telephone Self referral “ The main tax changes in this Budget hit the poor much harder than most of those under the coalition government. As a proportion of income, it was a regressive Budget with much higher losses among poorer families than richer ones”. Paul Johnson, Director, IFS Financial Times, 9 th July 2015

8 Staff Face to face Workshops Conversational Supportive Non judgemental GEMAP trained

“The project will provide one to one support; clients will improve their financial skills and develop their knowledge of key financial products”

Managing Money Planning ahead Making choices Getting support Future crisis prevention more than crisis intervention

Managing Money Planning ahead Making choices Getting support Welfare reform & Universal Credit Budgeting Income & Spending Borrowing & Saving Debt & Wellbeing Recap & Plan

Savings PAYG Shopping POCA APR Stress Welfare Jamjar Borrowing Confidence Strategies Mobile Fuel GHeat Credit Unions Scotcash Sanctions Insurance BOGOF Internet Banking Spending prepayment Budget loan knowledge BrightHouse

Savings PAYG Shopping POCA APR Stress Welfare Jamjar Borrowing Confidence Strategies Mobile Fuel GHeat Credit Unions Scotcash Sanctions Insurance BOGOF Internet Banking Spending prepayment Budget loan knowledge BrightHouse

Baseline Benchmark Evidence Impact Influence Assess Evaluate

First contact within 5 days of receipt Confirm to referral source of meeting arrangement Website for stats update

Website Telephone Self referral First contact within 5 working days of receipt Confirmation with referral source of customer attendance Stats and outcomes updated monthly on website (no names)

Website Telephone Self referral info. & taster 100 referals since going “live” on2 nd Aug. Ongoing engagement

Website Telephone Self referral Questions?