About Skint!

Scottish Book Trust, in partnership with the Scottish Government, has created Skint!, an interactive learner-centred resource. It has been developed to be specifically used within adult literacy and numeracy support groups but can also be used by other youth work practitioners.

* Skint! consists of two illustrated storylines that explore issues and promote critical awareness around money management and responsibility. 
* In addition the stories take account of equalities and diversity in the representation of modern Scottish society and in the accessibility of the form(s) they take. 
* The stories and support notes are relevant to and at an appropriate level for young people, particularly those who find themselves socially or financially excluded, but also those at important transition points in their lives (leaving school/college, leaving care, starting a job, having a baby, etc.). 
* Skint! is most effective if used in existing support programmes, and as a starting point for discussions and other activities that will promote aspects of financial capability (making ends meet, keeping track of finances, planning ahead, choosing financial products and staying informed about financial matters).
* Skint! was trialled during 2010 with nine groups across Scotland to ensure it provided an effective approach to help deliver literacy and numeracy education in a financial context. The groups involved were from distinct settings including:

  • the South Ayrshire Youth Forum;
  • the Money Management – Woman’s Peer Education Group, Glasgow;
  • the Financial Inclusion Team, GEMAP, Glasgow;
  • the Learning Curve - A K Bell Library, Perth;
  • the Support for Learning Department, Reid Kerr College, Paisley;
  • the North Edinburgh Young People's Forum;
  • the Families Life Long Learning Community Learning and Development support group, North Ayrshire;
  • the Army Education and Skills Development Unit, Edinburgh;
  • pupils (16 -17 year olds) from S5 Lochend High school, Glasgow and the Education Support Department, Polmont Prison.


Download Skint!

Click here to download a PDF version of Skint!


About the Authors

Gowan Calder

Gowan is an actress and playwright. She has acted in theatre, TV, radio and film and performed in Europe, Asia and America. Her plays have been produced in theatres throughout Britain and also broadcast on BBC Radio. Gowan grew up in Edinburgh and West Lothian and now lives by the sea. She has often been 'skint'.


metaphrog are Sandra Marrs and John Chalmers. Together, they have been creating comics, graphic novels and illustrations since 1996, gradually building a loyal following and receiving critical acclaim worldwide.

John is from Scotland and studied science, gaining several degrees, including a PhD from Strathclyde University's Electronic and Electrical Engineering Department in a branch of Opto-Electronics involving micro-machining.

Sandra is from France and has a degree in Arts and Letters. In 1994, she moved to Scotland. That same year, John returned from working in The Netherlands.

Their meeting was a catalyst, and within a few months, they created metaphrog.

Their 'Louis' series has received several prestigious award nominations, including three Eisner Award nominations: Best Graphic Album New, Best Title for a Younger Audience, and Best Colouring, an Ignatz Award nomination for Best New Talent, and also a YALSA Great Graphic Novels for Teens 2011 nomination.