1. Joanna Jarvis MYFLIP Financial Education Programme

2. What is MYFLIP? Midlothian Youth Financial Learning Inclusion Programme MYFLIP Financial Education Programme Aims: To educate young people in money management and provide opportunities to open a Bank Account and or a Credit Union Account. Aims: To educate young people in money management and provide opportunities to open a Bank Account and or a Credit Union Account. This project is delivered by Midlothian Financial Inclusion Network in partnership with Midlothian Council. Funded by Department of Work and Pensions. This project is delivered by Midlothian Financial Inclusion Network in partnership with Midlothian Council. Funded by Department of Work and Pensions.

3. Did you know! 1,666 people made redundant daily 1,666 people made redundant daily 796,000 unemployed for > 12 month 796,000 unemployed for > 12 month 9,000 new debt problems dealt with by CAB each day 9,000 new debt problems dealt with by CAB each day £57,789 average household debt £57,789 average household debt every 14 minutes a property is repossessed every 14 minutes a property is repossessed every 3.78 minutes someone will be declared insolvent or bankrupt every 3.78 minutes someone will be declared insolvent or bankrupt www.creditaction.org.ukwww.creditaction.org.uk (Sept 10) www.creditaction.org.uk

5. Joanna Jarvis MYFLIP Financial Awareness & Budgeting

6. Session Plan Welcome and Introductions, Group Agreement & Course Expectations Show me the money! Coin Game What sort of Money Manager are you? DVD – Attitudes to Money Where does your money go? Personal Budgeting & Budget Project - Furnish your room for £500 Further Information

7. Getting Started Paired Introductions What would you do with a Million pounds? Group Agreement & Expectations What do you want to gain from participating in this course?

8. What sort of Money Manager are you? SpenderSaver

9. Attitudes to Money DVD

10. Show me the money!

11. Needs and Wants Where does your money go? What happens when you dont have any money? What about Saving?

12. Personal Budgeting Income How much is coming in? Expenditure How much is going out?

13. Budget Project Furnish your bedroom £500

14. Further Information Websites providing information on budgeting and tools to help you calculate your own budget: www.moneymadeclear.org.uk www.doughuk.com www.learnaboutmoney.org www.shelter.org.uk www.shelter.org.ukwww.shelter.org.uk www.mny-mny-mny.com www.youngscot.org