2. What needs to change?: individual behaviour or the environment?

3. In 2011/12, 13 million people in the UK were living in poverty. For the first time more than half of these people lived in a working family Joseph Rowntree Foundation

4. Why pay more for being ‘poor’?

5. The number of people in low-paid jobs has risen. There are now around 5 million people paid below the living wage. Joseph Rowntree Foundation

7. Which would you choose?

9. Why is it difficult to engage people with Financial Capability work? e.g. Don’t recognise need for service May not be in debt- But show high risk and vulnerability to debt Prevention work- ‘hard sell’

10. The Debt Journey

11. Mind Your Money Benefits Improve money management skills Practical ways to save money Increase access to affordable food and fuel Help to keep up with rent and avoid eviction Knock-on benefits to health and wellbeing Trial IFC project saved people on average £10 a week

12. How do we do it? 1-1 Information, Advice and Guidance Flexible friendly approach- home visits, coffee and chat, after work appointments Activities with embedded Money Management skills e.g. cooking, shopping challenges, IT, Employability skills training

13.  Organisation  Budget  Income Maximisation  Savings  Welfare Reform  Debts  Rent/Under-occupancy  Spending Diary  Food Shopping  Home Insurance  Energy Supplier  Water Meter  Broadband  Bank  Mobile Phone  Emergencies  Gambling  Borrowing  Transport  EET

14. How to refer? Call us or drop MYM an email We contact beneficiary directly We’ll update you and keep you informed