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

What needs to change?: individual behaviour or the environment?. 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. Why pay more for being ‘poor’?.

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

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

  2. 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

  3. Why pay more for being ‘poor’?

  4. 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

  5. Which would you choose?

  6. 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’

  7. The Debt Journey

  8. 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

  9. 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

  10. 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

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

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