![]() Most kids probably have no idea how much groceries cost. Saving money is just one part of the process-they also need to consider what makes a good purchase, and whether they should pay up front or borrow the money instead. This activity encourages kids to think about purchases, especially major ones. Learn more: Budgeting Worksheet Tools/CFPB 3. Then, give them hypothetical “adult” situations to plan for, with income and expenses drawn from typical people in your area. Start by having kids consider their current financial situation. Show kids how to use their Income Tracker, Spending Tracker, Bill Calendar, and Budget Worksheet (all at the link below). The Consumer Financial Protection Bureau has developed lots of tools to help teens and adults learn to manage money. Learn more: The Jellybean Game/Pretty Providence 2. They’ll use jellybeans to decide what they need, want, and can truly afford. Try the Jellybean Gameīefore you get into the nitty-gritty of numbers, start with this clever activity that gives kids practice allocating assets in a low-stakes way. Give teens the knowledge they need to make smart financial choices now and in the future. These budgeting activities are terrific for a life-skills class, morning meeting discussion, or advisory group unit. Referrals can be made by email to or by telephone on 01204328091.If we let students graduate high school without learning key skills like saving and budgeting, we’re doing them a real disservice. The service includes support and help with benefit entitlement checks, benefit applications, medical assessments, mandatory reconsiderations and much more. This service is available to homeowners, private rented, housing associations etc. Welfare Rights Officer Rachel Carroll from Bolton at Home is available to support members of the Bolton community with welfare benefit advice. If you have any queries, please contact us on 01204 331965. Bolton`s Money Skills Service can make applications to the breathing space scheme where appropriate, so please continue to refer clients to us in the usual way, and an appointment will be made to assess all the options available to them. For the mental health crisis breathing space, an approved mental health professional must make the referral for debt advice, and a contract for this scheme has been awarded to one service. The standard breathing space lasts for 60 days and is intended to give debtors time to reach a solution with their creditors, and the mental health crisis breathing space last for as long as the debtor is undergoing crisis treatment.Īpplications are made by an authorised debt advisor via an online portal managed by The Insolvency Service, which then notifies their creditors that the person is in a breathing space scheme. On 4th May 2021, the government introduced two new schemes to enable people to access a period when creditors cannot take action to enforce most types of debt. We also offer advice on switching suppliers and tariffs for cheaper energy costs, we can help those who live, work or study in the Bolton area! Statutory Breathing Space Schemes > Warm Home Discount Suppliers Taking Part Spend 10% of their household income on gas and electricity. ![]() People may be entitled to a payment under the Warm Home Discount Scheme if they are: This is a government backed scheme whereby, subject to eligibility, energy suppliers will make a contribution of £140 towards winter fuel bills. Contact us on 01204 331965 or by emailing Could your service users save £140 on their electric bill? We work very closely with Housing Options so if necessary we can also link into this service to help your clients. Money Skills are able to help – please refer customers to us who are in rent arrears or facing eviction. ![]() This has now ended, and landlords are able to take court action against those in arrears. We can help if someone you are working with has fallen behind with payments for:ĭuring the pandemic a ban on evictions was put in place to protect tenants who accrued arrears due to the effects of Covid19. We are carrying out one to one appointments by telephone, however, if a virtual session is needed, we will do our best to accommodate this. We currently have capacity for appointments to take place with a very short wait time, now is a good time to seek help. If you are supporting someone who is struggling financially, we are trying to encourage people to address any arrears sooner rather than later. Money Skills are here and happy to help assist the residents of Bolton. ![]()
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