Brief guidance notes

In this section we provide brief suggestions and ideas for discussions and activities that could be carried out at ‘pause points’ within the storylines of Skint! The aim of this section is to allow you, as the support worker, to develop and select your own materials according to your particular group or individuals’ needs, as well as developing your own support materials, as appropriate.

For more in-depth information go to detailed guidance notes. Have a look at Adult Literacies Online for examples of practitioner developed materials.

What are the pause points and how do they link to these support notes?

Throughout Skint! there are a number of points within the storylines which identify useful opportunities to break from the story and discuss the issue and/or carry out a supporting activity.

The pause points throughout Skint! are: 

 

Carly’s story – In for a Penny, in for a Pound

 

Jamie’s story – The Other Side of the Coin

 

Carly’s story – In for a Penny, in for a Pound

1. Technology costs

iPod and iPhone(page 15) 

Discussion around:

  • mobile technologies 
  • the advantages and disadvantages of technology 
  • online deals 
  • downloading games 
  • iPhones and apps 
  • contract versus Pay As You Go 
  • Is technology worth it?  
  • What about initial costs, running costs, hidden costs and excessive charges?What do you really sign up for? (Buyer beware!) 

Further activities:

  • Summarise the information you would find on a mobile phone contract and hand it out to your group and discuss.
  • Carry out an exercise comparing mobile phone options using the mobile phone activity sheet.
  • There is relevant information from the suggested web site links:
    Money Saving Expert
  • This is also an appropriate time for your group to carry out some of the purchasing activities

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2. Keeping up appearances

Clothes(page 23)

Discussion around:

  • Why do we have limited budgets?
  • What are the best ways to live within our means?
  • What are the costs of buying clothes?
  • What do we think about designer fashions, group identity and how do we feel about buying and selling second hand and/or the ‘make do and mend’ approach?’
  • What are the potential true costs of keeping up appearances?

Further activities: 

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3. APR and interest

APR & interest(page 33)

Discussion around: 

  • What is APR?
  • What is AER?
  • What is compound interest?
  • What are the advantages and disadvantages of using credit cards?
  • What are the consequences of paying the minimum payment every month?

Further activities:

  • Refer to or use the example numeracy activities from the suggested web site link: BBC Skillswise

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4. Good debt/bad debt?

Sofa(page 40)

Discussion around: 

  • What do we mean by good debt and bad debt?
  • What do we know about loans (both short and long term, store loans and loans from other lenders, such as car finance companies, online lenders, loan sharks, and the student loans organisations)?

Further activities:

  • For further information on budgeting and credit, or for exercises that work out credit ratings and percentages, have a look at:
    Young Scot - Money and
    BBC Skillswise

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5. Lottery or kitty?

Lotto(page 49)

Discussion around:

  • What’s the difference between a menodge and the lottery and other forms of gambling such as bingo?
  • How do savings work (including money-off vouchers, other discounts and bank savings)?
  • How do we save up for birthdays, holidays and Christmas? 

Further activities:

  • You could use the activity sheet to help record saving plans and refer to the suggested web site link about saving stamps and pre-paid meters:

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6. What should Carly do?

Carly(page 53)

Discussion around: 

  • What Carly should do and why? Choose the ending you prefer and discuss what your reasons were depending on the choices she makes.
  • Discuss ‘living within your means’.
  • Filling in forms.
  • Discuss being aware of ‘what it says in the small print?’
  • And ‘feeling the pressure to sign up for things on the spot.’
  • Discuss ‘saving up for things and waiting’.

Further activities:

Consequences:

  • Carry out an activity where your group collectively chooses an ending for Carly and writes a piece about what happens to her in 6 months time. You can also use the resource ‘comic life’ as an approach for your group to continue the story - Comic Life  
  • Provide copies of the budgeting sheet for your group to create a budget for Carly.
  • Finish by creating a goal setting activity for Carly.
  • Refer to the Legal Services Commission website for further information about support and legal advice around debt and provide information to your group, as appropriate. 

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Jamie’s story – The Other Side of the Coin

7. Need or want?

Car image(page 65)

 Discussion around: 

  • Discuss the differences between ‘needing things’ and ‘wanting things’?
  • Discuss budgeting and saving up
  • What do we mean by good debt and bad debt?

Further activities:

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8. Income from?

Betting slip(page 72)

Discussion around:

  • Discuss ideas and thoughts around what happened to Tam’s £90,000 winnings.
  • Discuss how the most certain way to financial security is through employment and careful budgeting and saving, living within your means etc.
  • Discuss saving up for vocational training and / or further education opportunities. 

Further activities:

  • Enable your group to produce a piece of writing and/or use Comic Life to describe how Tam spent his winnings, saved them, and lost them? You can use the activity sheet Tam’s fortune.
  • Link your discussions to a budgeting activity and the activity income from?
  • Refer to information about employment on the Young Scot website. List the lifestyle negatives and benefits and financial gains and pitfalls of both self employment and waged employment.
    Young Scot - Money

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9. What are the odds really?

Dividing money(page 75)

Discussion around:

  • Discuss the pitfalls of gambling.  For example, the odds can be better when playing free gambling games online, and these can then change once you are requested to pay money! 

Further activities:

  • Work out the odds of winning the lottery.
  • You could use the activity sheet debt smashing strategy to work out debt repayments.
  • Carry out an exercise to work out interest payments for borrowing money and actual amounts that need to be paid back.
  • Refer to activities found on the suggested web site BBC Skillswise for numeracy percentage exercises and further support.

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10. What’s in a wallet?

Vouchers & credit cards(page 83)

Discussion around:

  • Discuss ‘What is stopping Jamie from asking Carly out?’
  • Discuss the costs of ‘down time’ – drinking, smoking, cafe culture etc.

Further activities:

  • Carry out an exercise using the living costs sheet to work out Jamie’s living costs.
  • Carry out a ‘money-off voucher’ exercise working out % savings using the numeracy exercises from BBC Skillswise.
  • Create an exercise using the budgeting sheets. Ask your group to fill in two budget sheets, one where Jamie includes all his ‘down-time habits’ and one where he uses the money to invest in his future business.
  • Also use the purchasing activities. NB. Money-off vouchers are available on the internet.

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11. What should Jamie do?

Jamie(page 95)

Discussion around:

  • Should Jamie take the job Bob is offering him? Should he put a bet on using Tam’s tip? Should he do the ‘£50 job’ for Davey? Why?
  • Discuss: 'Where our choices can lead us?'

Further activities:

Consequences:

  • Carry out an activity where your group collectively chooses an ending for Jamie and writes a piece about what happens to him in 6 months time. You can also use the resource Comic Life as an approach for your group to continue the story.
  • Carry out the activity income from.
  • Provide copies of the budgeting sheet for your group to create a budget for Jamie.
  • Finish by creating a goal setting activity for Jamie.

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