Recent Grants

September 2022 - Developing Resilience - just under £50,000 committed, 8 projects approved.

Age Well East is an independent charity based in Colchester in Essex, which has been providing services since 1950. It helps people in their later years (aged 60 plus) to ‘age well’ in Colchester and north-east Essex. Its community services include welfare advice and information, befriending (including dementia groups), emotional support and bereavement services.

Our funding will support its Welfare and Advice service to help around 60 vulnerable people and their carers. The project will provide one-to-one budgeting guidance to teach clients to manage on limited incomes, strained budgets and increasing financial hardships. This will help them build and develop financial resilience to navigate the cost-of-living crisis, preventing the need to choose between heating and eating. The project will fund the salary of a welfare adviser for six hours a week over one year.

For over 30 years, CARE has supported families and individuals in deprived areas of Grimsby, Immingham and Cleethorpes in North East Lincolnshire. It’s a charity dedicated to relieving homelessness, poverty and distress to those most in need. It runs various projects including an innovative housing programme, crisis support, food pantry, drop-in, toy giveaway, and a furniture recycling shop.

The project we are funding will enable CARE to provide one-to-one urgent money guidance and support to people in financial crisis. It will part-fund the salary of a money advice key worker to support approximately 100 people in crisis to gain access to appropriate benefits, support with energy debt and rent arrears, complete where necessary debt relief orders, and to advocate at welfare benefit tribunals.

Wave Community Bank is a credit union offering savings, loans and basic bank accounts to over 9,000 members who live or work in Brighton & Hove and other parts of East Sussex, plus Medway and elsewhere in Kent. Operating for over 20 years, it’s run by members for members and works hard to promote financial inclusion and money management, to provide budgeting support, and to raise awareness of the dangers of loan sharks.

Our funding will allow the bank to open and staff three weekly community-help points at Landport Foodbank in Lewes, Havens Community Hub in Newhaven and Seaside Community Hub in Eastbourne. The help-points will run for two hours each and will be staffed by a community advocate who can assist people in accessing its financial services as well as offering urgent budgeting and money management advice. It anticipates helping 500 people at the help-points over the year.

Sanctus is a registered charity supporting homeless and vulnerable people in Chelmsford, Essex, and the surrounding areas. It’s been providing services for 20 years, and is open seven days a week, 365 days a year. Its purpose is to provide a centre in the heart of the city where individuals, with various complex needs, can receive food and positive support.

The cost-of-living support scheme we are funding will help around 190 people who are disproportionately affected by the cost-of-living crisis and who are struggling with debt and managing their money. Sanctus will deliver eight hours of one-to-one support sessions a week for a year with a member of its Support Hub team. This will include debt management, household budgeting, and sourcing and applying for energy funds for those who have inherited debt on moving into a property.

Citizens Advice Rossendale and Hyndburn is an independent charity that has delivered its advice service for over 75 years. As part of the national Citizens Advice network, it provides free, independent, confidential and impartial advice to everyone on their rights and responsibilities.

The project we are funding will deliver crisis debt and advocacy support and financial capability training to approximately 88 beneficiaries, who are experiencing debt and money management issues. The project will be delivered by an experienced debt adviser funded for 15 hours a week for six months over this coming winter.

Women’s Health in South Tyneside (WHiST) is a registered charity which has been supporting women for over 35 years. Its mission is to improve the health, wellbeing, education and quality of life of women aged over 16 living in South Tyneside, irrespective of age, class, sexual orientation, ethnicity or disability.

We are funding its weekly Tuesday Drop-In project, which will allow 150 women to receive advice on urgent issues including debt, domestic violence, benefit entitlement and housing. Its support programme will include money matters courses, eating well sessions (looking at low-cost and nutritious food), clothing swaps and tips for reducing fuel bills. One-to-one advocacy support will be provided including signposting to specialist partner agencies including South Tyneside Citizens Advice, Moneywise Credit Union and Age Concern Tyneside South.

The Goldhill Adventure Playground is a registered charity which for over 45 years has been providing play, learning and social opportunities for families, children and young people in a disadvantaged area of Leicester.

Working with delivery partner Melton and District Money Advice Centre (MADMAC), it will deliver the ‘My Family, My Money, My Future’ project. This will provide urgent money guidance and debt support to 125 families living in the Saffron Lane area. This will include 10 weekly drop-in guidance sessions and six one-hour financial capability workshops for families (each workshop will be repeated five times). It will deliver four peer-to-peer support sessions to help families develop and build up their long-term financial capability skills.

Citizens Advice Gosport is an independent charity, part of the national Citizens Advice network, which values diversity, promotes equality and challenges discrimination. It provides free, confidential and impartial advice and also campaigns on big issues affecting people’s lives in Gosport and the surrounding areas of Hampshire.

Our funding will enable an experienced case-worker to deliver an emergency money advice and income-boosting project for six months, supporting 60 households. The case-worker will have the skills to help people of all capabilities and will be funded for 19 hours a week. The project’s support will include financial management advice, helping clients to identify priority and non-priority demands on their finances and to budget accordingly.

April 2022 - Living with Long Term Challenges - just over £58,000 committed, 9 projects approved.

BASIC (Brain And Spinal Injury Centre) is a charity based in Salford, established in 1987. The charity specialises in centre-based services for people who have undergone treatment for a traumatic head injury, brain haemorrhage, brain tumour, stroke or similar long-term neurological condition.

The project we are funding will deliver a three-part programme of financial skills support for up to 15 people with brain injury or stroke, and up to seven carers. Stage one provides cognitive training for those with low capabilities in a range of cognitive functions including memory and concentration. Stage two will be a six-week course (six two-hour sessions) of financial skills training provided by Salford Citizens Advice, developing skills including household budgeting, planning and income maximisation, understanding financial products, and ways to engage safely with online finances. Stage three will involve one-to-one sessions with the co-ordinator at BASIC who will support and mentor participants to apply their new financial skills digitally.

Empowering Deaf Society is a deaf-led charity providing a variety of services supporting deaf people across Greater London. It’s been providing support since 2009. It champions equality of opportunity enabling deaf people to take an active role in society by providing support to access mainstream services. It does this by delivering deaf social clubs, information workshops, advice and advocacy. It currently works with about 2,000 British Sign Language (BSL) users in London.

The project we are funding will enable it to deliver the Christians Against Poverty (CAP) Money Course in BSL to two cohorts of 15 deaf people over three sessions, supported by two volunteers and one interpreter. Two BSL videos will be created to support the activities. Three deaf people will then attend the CAP Money Coach Course (supported by two interpreters) to become CAP money coaches, providing ongoing support for the deaf community.

Citizens Advice York is an independent charity, providing free, confidential and impartial advice and campaigns on big issues affecting people’s lives in York and the surrounding areas. These issues include benefits, debt, housing, employment law and immigration. Its goal is to help everyone find a way forward, whatever problem they face.

Our funding will enable it to support the delivery of the Mind Your Money project, supporting up to 40 people with mental health conditions and those caring for people with mental health conditions who are experiencing debt and money-management issues. The training will be delivered by four trained volunteers from its existing cohort of 28 active volunteer advisers. Three supported-learning programmes will be delivered with different entry points across the year, each with four bite-size modules. A further two commissioned programmes for partner organisations will be delivered.

Deepness is a not-for-profit organisation, established in 2020, which is led and governed by people living with dementia and cognitive impairment. Its website Deepness Dementia Media is a platform that gives people tools for living well with dementia across the UK. Since its inception it has successfully set up an online radio station, a TV station and its Wellbeing College. The college supports online courses that aim at living well with dementia through increased autonomy, promoting better relationships, developing a stronger understanding and growing in a co-productive way.

We are funding the ‘You are not alone’ project which will pilot two eight-week online courses, run by peers for peers who are living with dementia, to support approximately 48 direct beneficiaries. Topics to be covered include coping at initial diagnosis, money tips, travel, benefits, financial abuse, financial support and council funding. The courses will include self-reflection, watching videos, reading articles, forum discussion and a weekly Zoom discussion. Alongside the course materials being delivered each week, it will create and release programmes on its radio and TV channels on how to live well with your money, enabling the materials to be distributed and be accessible for people with dementia and more widely to their carers and families.

Roar Pursuits CIC is a not-for-profit organisation founded in 2017 and based in the London borough of Greenwich. Its aim is to provide education, training and support to young care leavers to enable them to build stable and successful independent lives. It has developed ground-breaking early interventional life hacks which are designed by a team who all have lived experience of being in care.

The project that we are funding is to deliver financial capability training to around 30 young care leavers who have a diagnosis or who are awaiting a diagnosis of a learning disability in Greenwich and the surrounding boroughs. It will consist of a 12-week programme of fortnightly sessions facilitated by experienced trainers to six small groups of five participants, providing money saving advice, housing support as well as one-to-one training dependent on individuals’ support needs.

Citizens Advice Wokingham offers free, confidential, impartial and independent advice and information to anyone living or working in Wokingham borough. It has been serving its local community for over 45 years.

It will be working in partnership with CLASP, a learning disability charity, to deliver the Making Money Matter project. It will put on basic financial-awareness skills and money-management training group sessions and one-to-one sessions for approximately 50 people with learning disabilities. The project will fund a seven-and-a-half-hours a week adviser post for one year.

Deaf-initely Women is a deaf-led charity based in Belper in Derbyshire, established in 2015. It aims to improve the wellbeing of deaf, deafblind and hard-of-hearing women through raising awareness and health education. It wants to equip these women to become emotionally and financially strong and empower them to be able to cope within their personal, working and family lives.

We are funding the delivery of the Managing Money Better project, which will enable Deaf-initely Women to co-design and deliver accessible training, including four workshops for 40 deaf women with full communication support. As part of the project it will create four signed and captioned vlogs, and four factsheets for its website. The training will be delivered in collaboration with Citizens Advice Derbyshire Districts. A Facebook support group will be created to enable participants to share tips and ideas.

Disability Sheffield was established in 2003, and it promotes choice, control and independence for disabled people in Sheffield. Its services include training, advocacy, information, accessibility and learning development. Sheffield Voices is its learning disability and autism arm which provides user-led self-advocacy, support and training.

We are funding the Sheffield Voices team to develop a peer-led ‘Money Talks’ project which will be led and delivered by staff and volunteers who have autism and learning disabilities. A minimum of 36 people with learning disabilities will benefit directly. The project will include four interactive 90-minute money information and support sessions which will be delivered at day services across Sheffield. It will develop and create a series of money-management easy-read training tools that can be left with day services for them to use again in future. The sessions will also be run twice over Zoom for those who would prefer to access the sessions remotely.

Feeding Coventry is an independent charity, working to end food poverty in Coventry. It opened in March 2020 just as the Covid-19 outbreak was declared a pandemic, and its projects aim to alleviate poverty and prevent hunger by addressing both immediate needs and underlying causes. It supports members holistically by working with them through financial hardship and long-term health inequalities, providing advice, guidance, family support services, and opportunities to engage in health and wellbeing activities.

We are funding a support worker post for 12 hours a week for six months. The support worker, alongside a volunteer support worker, will be trained by MIMA-qualified advisers to better support clients in managing their budgets and to develop further money-management skills. The project will deliver two Christians Against Poverty Money Courses for 50 members and 20 volunteer befrienders and provide ongoing mentoring and support.

November 2021 - Life Changing Transitions - just under £73,000 committed, 12 projects approved.

Imago Dei Prison Ministry is a registered Christian charity established in 2016 in East Grinstead. Its purpose is to see that all women in prison, regardless of faith, are empowered to change their lives with a new hope for the future, and to productively re-integrate into society. It works with women to address underlying issues around offending behaviour and provide women with skills, self-belief and support to help them make different choices. It currently works across three prisons: HMP Downview, HMP East Sutton Park and HMP Send. ID Essence is its young adults team, which was originally Kahaila Essence but merged with Imago Dei Prison Ministry in March 2021 and delivers ‘myLife’ courses in HMP Downview to women aged 18 to 25.

The project we are funding is part of the ‘myLife’ suite of courses, ‘Money Money Money’. The ID Essence team will deliver over a year in HMP Downview five Money Money Money courses with weekly two-and-a-half-hour sessions for six weeks. Overall between 25 and 40 women will participate and at least 20 women will gain an OCR Entry Level 2 accreditation in an ‘Introduction to Life and Living Skills’.

Nomad is a registered charity, established in 1989 to support those affected by hidden homelessness in Sheffield. Nomad exists to improve access to decent, affordable housing, to help people transition out of homelessness quickly and positively, and support them to develop the skills and resilience to help them avoid homelessness in the future. It provides access to shared housing in Sheffield and offers coaching to help young people achieve their goals and ambitions.

We are funding Nomad to deliver weekly two-hour pre-tenancy budgeting workshops for up to 200 individuals who have been affected by homelessness over a year. Each workshop will have a maximum of four participants, and will support and enable them to understand their rights and responsibilities and how to manage their finances to ensure a successful tenancy. Tailored support will be offered to each person depending on their need – this may include translation services, literacy support, visual aids or one-to-one learning support.

Treasures Foundation is a registered charity, established in 2009. It provides safe accommodation in East London and specialist support to women with histories of drug abuse and offending. It works alongside women to enable them to recover, build healthy relationships, learn new skills, reach their full potential and lead fulfilling and independent lives.

We are providing funding for its ‘Moving On’ project, preparing the women who have made sufficient progress in their recovery, to move on to next-stage accommodation, or social or private housing. This includes funding a Quaker Social Action financial capability ‘train the trainer’ course for their specialist support manager, delivery of eight financial skills sessions to two cohorts of six participants and additional one-to-one support for those who need it. As part of the project a resource guide will be produced by staff, ex-residents and participants to support existing and future residents.

Manchester Congolese Organisation (MaCO) is a registered charity established in 2011. It is a volunteer-led organisation whose aims are to support asylum seekers and refugees who have been placed in Manchester. It does this through the provision of free and confidential advice, assistance, representation, advocacy, and translating and interpreting services, in matters relating to welfare, health, social education (culture), academic development, employment, finance management and orientation to life in the UK.

We are funding the delivery of six functional financial advice and employment skills workshops for members of the community who have been made redundant by their employers as a result of the coronavirus crisis. MaCO will employ a specialist worker to train six volunteers to support the delivery of the workshops. Approximately 65 participants will benefit and will further develop financial numeracy, employability and online digital skills.

CHAT (Churches Housing Action Team) is a registered charity, established in 1995 in Tiverton, Devon. For over 25 years it has been providing free, confidential advice and life-changing support to vulnerable individuals across a wide range of housing problems such as homelessness and repossession. CHAT aims to tackle homelessness, avoid evictions and bring hope.

We are funding its ‘Hopeful Futures’ project, which includes funding the costs of basic debt advice training from the national charity Community Money Advice for four new volunteers. It will fund the delivery of nine budgeting workshops based on the Just Finance Foundation ‘Cash Smart Credit Savvy’ course, with three in each market town in Mid-Devon – Tiverton, Crediton and Cullompton – with a minimum of eight participants a workshop.

Kith and Kin Financial Wellbeing is a community interest company based in Belfast which was established in 2015. It aims to strengthen personal financial resilience through developing confidence skills, financial education and self-help strategies and to provide access to free, confidential financial advice for people at different stages of their lives. Its ethos is “the prevention of money worries and associated stress is as important as the cure for them”.

We are funding the delivery of 10 seminars, called ‘Preparing for Retirement, Mentally & Financially’, which will unpack the financial, social and mental impacts of retiring. Overall, about 300 people will benefit. This life transition can have a huge change on people’s finances, identity and mental health. To support the seminars, two specialists will deliver the content: a wealth and pensions adviser and a psychologist. After the seminars we are funding 50 one-to-one one-hour individual appointments. For those unable to attend in person, one of the seminars will be recorded and using YouTube this resource will be made available to other community groups in Northern Ireland.

Happy Days is a registered charity established in 2014 in Sowerby Bridge, West Yorkshire. It provides supported community housing schemes to residents who have been street homeless, and those at risk of homelessness. The community setting incorporates on-going mentoring and support to bring about sustainable change in people’s lives. Its aim is to see homelessness reduced and vulnerable people empowered to live independent and purposeful lives.

We are funding it to deliver two budgeting courses comprising three sessions to 35 intensively supported residents and to 10 more less-supported residents. It will further deliver a ‘cooking on a budget’ course, comprising four sessions, including a trip to a supermarket. The trainer will be assisted by support workers, who will provide further ongoing support to the residents.

Pennine Mencap is a registered charity, established in 2012 in Oldham, Greater Manchester. It supports and provides opportunities for adults with learning disabilities and complex needs, offering a diverse range of services from daily group activities to crisis support. In particular it helps its service users develop life skills that will enable them to make effective life choices.

Our funding will enable it to deliver a programme of training and practical support around budgeting and money management skills to approximately 25 service users who have recently lost a parent or primary carer through bereavement or being incapacitated by debilitating illness. The project will be tailored to individuals, to reflect each person’s specific needs and circumstances. It will comprise four modules on specific money skills: benefit income, household budgeting, debt management and savings. This will be followed up with regular one-to-one sessions on the practical application of these skills.

Mustard Seed Edinburgh was established in 2017. It’s a Christian community of mission, with a particular emphasis on bringing social justice and transformation to those in its community struggling with issues of homelessness, poverty and isolation. Alongside services on a Sunday it runs ‘Soul Food’, which offers a safe space, a free hot meal to anyone on a Thursday evening and a free hot breakfast on a Friday morning. It is currently the only centre that runs all three Christians Against Poverty (CAP) programmes in Scotland: Debt Advice, Life Skills and Job Club.

The project we are funding is to support the ongoing development of its blended CAP services in the community, alongside its Soul Food programme on a Friday to those who are homeless, or those at risk of homelessness, in Edinburgh. Over the funding period it will support up to 200 people. It will run eight Life Skills and eight Job Club programmes, and provide one-to-one support to those who need debt advice. Working closely with other third-sector groups, it wants to ensure that, as people get accommodation, they are as financially stable and independent as possible, and are equipped with the necessary financial management life skills as possible, so that they can live positive, hopeful lives.

Citizens Advice St Albans District provides free, confidential and impartial advice and campaigns on big issues affecting people’s lives. It’s an independent charity registered in 1994, and its goal is to help everyone find a way forward, whatever problem they face.

We are funding the employment of a specialist financial adviser dedicated to working 12 hours a week for six months, supporting approximately 40 people in the St Albans district who have been made redundant and have consequently seen their income fall. The adviser will work with clients to develop a realistic budget based on their reduced income and use the opportunity to develop their money management skills.

Established in 1965, CHAS Bristol is a registered charity that provides specialist housing advice, practical support and advocacy for marginalised Bristolians. Its clients live in deprived inner-city areas and rely on benefits and have financial and digital literacy issues, which often puts them at risk of homelessness. CHAS Bristol empowers its clients to achieve lasting solutions – more income, less debt, and a safe permanent home.

We are funding it to deliver a programme of six workshops to groups of eight clients who will learn about their rights, the financial support available, debt and money management, and how to access support. The workshops will be delivered in partnership with the charity Talking Money, and CHAS Bristol will also support at least 100 people on a one-to-one basis as part of the wider project

Renova Trust is a Christian faith-based charity, established in 2020 and based in Bracknell, Berkshire. It provides supported housing to formerly homeless or precariously housed people and ex-offenders. It aims to provide a holistic, long-term solution to the needs of the homeless, offering each person a mentor, help to build a positive friendship network and practical support managed through a key worker.

We are funding it to provide key financial skills training in the form of small-group tuition for 12 residents over four months using the charity Toynbee Hall’s Money Mentors resources. Residents will take part in a book club – reading a financial self-help book as part of this project. Ongoing employment and life-coaching support will be provided by key workers, mentors and ‘befrienders’ to enable a holistic approach to enable residents to have the best chance of escaping the homelessness trap.

April 2021 - Raising the Next Generation - £55,000 committed, 10 projects approved.

Transitions UK is a registered charity established in 2014, with a mission to provide support, mentoring and personal development that changes young lives and futures across the UK. It particularly focuses on disadvantaged young people with learning disabilities, care leavers, those at risk of criminal exploitation or offending and those with mental health and emotional needs. It works across Bedfordshire, Hertfordshire, Buckinghamshire, parts of north London and the West Midlands.

The project we are funding will deliver financial skills workshops for 50 young people who are leaving care as part of Transitions UK’s Attain Project. The Attain Project provides a two year befriending and mentoring service, in a nurturing environment for personal development, together with supportive networks and direction that helps young people develop into becoming well-adjusted young adults. The one hour for 10 weeks workshop programme will be delivered in collaboration with Santander and Metro Bank.

The Money Charity was originally called Credit Action and is the UK’s leading financial capability charity. Its aim is to empower people across the UK to build their skills, knowledge, attitudes and behaviours to make the most of their money throughout their lives. It does this through a number of approaches: primarily supporting and training young people in school settings, young people and adults in community settings and adults in workplaces and through campaigning, contributing to policy consultations and advising financial service providers.

We are enabling The Money Charity to deliver 18 Covid Response Money Workshops to around 180 vulnerable young people aged between 16 and 24. Each workshop will be tailored to each community organisation and its young people. The participants will develop confidence, knowledge and skills around managing their money, how to save, plan and budget, and how to access financial support services. The workshops will improve their financial capability, reduce their risk of experiencing financial difficulties and improve their ability to cope if they do find themselves in difficult financial circumstances.

Insight Society was formally established in 2003 as a non-profit company, and is a service-user-led social enterprise. It helps and supports people who are blind, or severely visually impaired (BSVI) who live in Birmingham and the surrounding areas. Most service users are BSVI women from black and minority ethnic communities including a significant number who speak English as a second language. The main services it provides include advice and guidance, education, creative arts, employment and training, and health and social care services.


The project that we are funding will enable Insight Society to train 100 BSVI young people to plan their own personal finances and take full control of their bank and credit card accounts. Financial independence for young blind people has been challenging for many years-however, with new smartphone app technology, and voice-controlled software such as JAWS, this is now becoming an accessible reality. Bespoke training resources will be created. A translator and employees from local financial institutions will support delivery. A combination of small group training and one-to-one sessions will enable the participants to become more self-sufficient in controlling and managing their own finances independently.

Larne CAP Debt Centre began operating in 2014, working in partnership with Larne Baptist Church and Gardenmore Presbyterian Church in Northern Ireland. It is part of the wider Christians Against Poverty network of 296 debt centres based in churches across the UK, which support people to get free practical debt help and equip them with the tools and confidence to face any financial challenges in future.


The project we are funding is to support the delivery of CAP Money Management courses to children and young people in the Larne area. The courses will be delivered in primary and secondary schools and to community groups. The CAP Money courses teach age-appropriate practical skills and money management techniques such as creating a budget and how to shop and cook on a budget. Decision-making skills are an integral aspect of this training, as is how to survive life when income is limited and how to make your money go further.

Act On It was founded in 2004, and registered as a not-for-profit company in 2009. It is based in East Sussex and specialises in using drama and creativity to support marginalised young people excluded from education. It works across the South East, training teachers to use a drama-based approach to support marginalised students in primary and secondary school settings.

The project we are funding will enable Act On It to further develop its Moneywise project. It will deliver six online financial-literacy workshops to 10 young people who are not in mainstream education. The young people will work through existing Moneywise resources and then create and produce new money-based content for additional online resources for their peers, including comparing different bank accounts and how to access student finance. Act On It will train 10 teachers/support workers as Project Champions to use the Moneywise resources and to share them with others in their own setting.

Leaders in Community is a youth-led registered charity run by a group of active young people from Tower Hamlets in London. It was set up in 2009 by a group of young adults who wanted to improve their local services. Its trustee board and staff today are all aged under 30. Its mission is to provide young people with training to develop their personal resilience and overcome barriers to progression. It wants to equip them with the skills and opportunities to speak out about community issues, and challenge inequalities.

The project we are funding is to enable 40 young people aged 16-18 to learn and improve their money management skills. Four cohorts of 10 young people will attend a series of five money management workshops run by financial education experts MyBnk. The sessions will cover practical and relevant everyday financial issues: budgeting, investments, needs vs wants, careers, tax, fraud, banking, credit, debt and savings, to boost financial literacy and confidence in the young people. Each workshop will include a range of interactive activities and the chance to debate and discuss. Each young person will also receive four hours of one-to-one mentoring with a financial focus, spread over a number of weeks.

Hull Kingston Rovers Community Trust, is a registered charity, established in 2007 by the rugby league club Hull Kingston Rovers. Its vision is "to provide opportunities for members of the community to become the best they can be" through sport, physical activity, health, wellbeing and education. It is based in Marfleet, East Hull, which has exceptionally high levels of deprivation, with over 27% of residents receiving out-of-work benefits and one in three children living in poverty. It works in Marfleet, and in schools and communities across Hull.


We are supporting its employability team to deliver the ‘My Money’ project. This will provide financial awareness and one-to-one support to 75 young people aged 18 and 25. All participants will attend monthly seminars, and have regular one-to-one support from their adviser. To aid delivery the two lead advisers will undertake further financial capability training provided by the charity Quaker Social Action. Depending on the UK lockdown status, it hopes to deliver face to face, but is able to deliver the project digitally if necessary.

CRiBS is a registered charity based in Bexleyheath in Kent, which has been operating for over 27 years. Its mission is for all children and young people to have the opportunity to explore and think through the values they live by and the beliefs that underpin them. Its work is open to people of all faiths or none. It specifically helps schools to develop the whole person by providing PSHE (Personal, Social, Health, and Economic) and RE (Religious Education) support, as well as mentoring and behavioural interventions for those students who are struggling at school for whatever reason.


The project we are funding is to upskill and train three members of its schools'outreach team in being able to deliver the CAP Money Course for Kids (ages 9-11) and the CAP Money Youth course (ages 14-16). Following the training, the team will deliver 32 CAP Kids' Money courses across sixteen primary schools and deliver the CAP Money Youth course to 32 classes across four secondary schools. Around 1,900 pupils will benefit and will be taught good money management skills in an age-appropriate and interactive way.

Active Youth Outreach Services is a community interest company, which has worked within the communities of Worcestershire since 2015. Its vision is focused on addressing the issues surrounding youth disaffection and disengagement. The services it offers include community and positive engagement, national curriculum support, anti-social behaviour intervention, relationship training, internet safety and team building.

Our funding will enable Active Youth Outreach Services to help over 800 young people in a post-lockdown environment to find work or education and get support with managing their money. It will partner with national financial education specialists The Money Charity and schools to deliver 28 half-day sessions in at least five schools and colleges in the Kidderminster area. The sessions will deliver a combined workshop of money management, employment and training support.

The Family Trust is a registered Christian charity established in 1988. For over 30 years it has been providing services to primary schools in the Maidstone, Medway and Swale areas of Kent. It delivers a diverse range of projects to over 170 schools across the area reaching over 45,000 children every year. It works in partnership with churches and is supported by around 200 volunteers.

The project we are funding will deliver 42 CAP Kids' Money Courses to around 1,300 pupils in years five and six. The CAP Kids' Money course consists of two 90 minute sessions, teaching the foundations of good money management to ensure children grow up to be financially capable adults. Basic financial education skills are taught, including budgeting, pensions, taxes, salaries and interest. It also considers the difference between ‘need’ and ‘want’ and the idea of contentment. Each session is interactive and dynamic with opportunities for group work as well as independent thought.

November 2020 - Building & Developing Resilience - over £58,000 committed, 9 projects approved.

Free@last is a registered charity, located and working in the culturally diverse Nechells district, in central Birmingham. It originally started in 1999 as a support network for dads, and has expanded into all areas of community development and need, offering youth workshops, debt management help, and running enrichment activities such as trips and excursions.

Free@last has developed and is implementing a poverty strategy, to help eradicate the issue of child poverty in its area, and break the ‘handout’ mentality of some local residents. Our funding will support this strategy, by strengthening the capacity of the debt advice service which has been running for 12 years, and by enabling free@last to deliver monthly financial workshops to around 120 people over the year. The essence of the project is to demonstrate that the debt cycle can be broken and that there is support to help residents take positive steps to breaking the poverty mindset.

Ella’s is a London-based charity working with women who have survived trafficking and sexual exploitation. Ella’s began in 2014, opened its first safe house in 2016, and now in 2020 operates and runs two safe houses and a community outreach programme, working with survivors in neighbourhoods across London.

The safe houses give women a safe place to stay and provides tailored, one-on-one support from professional, compassionate caseworkers. For many survivors of trafficking and sexual exploitation, their journey of recovery can be long and complex. Ella’s community outreach programme provides long=term expert person-centred support to vulnerable survivors and their families.

The project we are funding will provide 1:1 budgeting support to 30 women who are resident in Ella’s safe houses or who are part of their outreach caseload. Four frontline staff will be able to enhance and develop their budgeting support knowledge, being funded to attend Community Money Advice’s Budget Coach training course.

Mesila is dedicated to empowering Orthodox Jewish communities to understand and apply the fundamental principles of financial stability. It has been operating in the UK since 2016, based in London, but works in communities across the UK supporting many ‘just about managing’ and low-income families. For adults this includes a comprehensive financial coaching service, workshops and seminars. For children and young adults it provides financial educational programmes to ensure they develop strong foundations.

The project we are funding will provide support for those who have been adversely affected by the Covid-19 pandemic, including but not limited to 1:1 financial coaching for 80 individuals, and delivery of 4 webinars on current topical issues: redundancy, the uncertain financial climate, planning for the future, and government support, which will reach at least 200 beneficiaries. Furthermore, 2 volunteers will receive training and certification to deliver the unique Mesila coaching course.

Freedom Community Project is an independent Christian registered charity, set up in 2008 to support people struggling with poverty in Bolsover. Since then the charity has grown to cover the North East Midlands and Yorkshire, with 14 support centres.

Our funding will contribute to its financial inclusion worker’s annual salary costs. This will enable Freedom to support those in debt and in financial crisis with money management advice and guidance. In particular, it will focus on individuals whose mental health is vulnerable supporting them digitally, via video or phone call, or in person.

Bags of Taste is a non-profit company which works with vulnerable people struggling with food poverty to enable them to eat healthy food on a budget. It has been delivering ‘food resilience’ courses since 2014, and currently operates in 13 areas across England: Birmingham, Haringey, Islington, Southwark, Hackney, Tower Hamlets, City of London, Wandsworth, Waltham Forest, Thanet, Sheffield, Maldon and Hastings.

Bags of Taste has learned that the issue with the poor diets of people in poverty is complex and deeply entwined with the poverty trap. Its proprietary research into the barriers that people in poverty face has led it to develop a multi-layered intervention that addresses issues of motivation; confidence; lack of financial resource; the sourcing of good, cost effective ingredients; and lack of skills and equipment. It uses aspects of behavioural economics, network science, social psychology and other concepts such as nudge techniques to encourage and motivate participants to make the healthier choices that will affect their daily diets long term.

Our funding will enable Bags of Taste to run 2 physical 'food resilience' courses in the London boroughs of Islington and Southwark, working with 52 participants, Covid restrictions permitting. A further 2 courses will be run in Sheffield (50% match-funded) working with 52 participants. If Covid restrictions are prohibitive, the project would convert to delivering mentored virtual courses, which would teach a total of 108 participants.

Cannock Chase Advice Centre is a small registered charity established in 1997 in a deprived ex-mining area of Staffordshire. It is an independent advice centre, run by 10 volunteers. To deliver this project it will be working in partnership with Penk Moneywise, a local debt advice centre which comes under the umbrella of Community Money Advice.

The project we are funding will provide support to 60 people who are living on or below the poverty line. They will all receive 1:1 debt management coaching sessions. In partnership with Penk Moneywise, it will deliver 4 money management courses, utilising free resources produced by the Just Finance Foundation: Covid Cash Recovery and Cash Smart Credit Savvy, and Penk Moneywise’s own in-house ‘Being Moneywise’ resource.

Swindon Advocacy Movement (SAM) was set up as a user-led organisation in 1995 as a response to many people with learning disabilities leaving long-stay hospitals to live more independently in the community. It has been delivering community-based projects that make long-term, meaningful changes to the lives of people with learning disabilities now for over 25 years. In 2014 it was awarded the Swindon borough contract to provide statutory advocacy services under the Mental Care Act, the Mental Capacity Act and the Care Act.

Our funding will enable SAM to deliver financial skills and confidence-building sessions to 25 adults with learning disabilities living in Swindon, including 1:1 work and where relevant small group work. Twenty beneficiaries will achieve AQA Unit Award Scheme certificates, and 10 will be supported to access online training. This will be delivered by a 5-hour-a week funded project co-ordinator post over 1 year, with the support of a volunteer recruited on to the project.

Tailored Advice Services in Communities (TASC) formed as a community interest company in 2014 to deliver welfare and money advice and training for individuals and groups in Knowsley, Liverpool, Lancashire and Widnes. It works in partnership with local agencies such as Knowsley Disability Concern, Shap Ltd charity, and KPAIS (Knowsley Pensioners' Advocacy and Information Service).

Our funding will support TASC’s Switched On Communities project, which will be delivered in TASC’s newly acquired digital hub which has been set up to provide online services for Knowsley residents. It will support approximately 120 older people, offering one-to-one help and advice for those struggling to get online and experiencing financial exclusion. The project will deliver 4 2-hour training courses aimed at older people in the digital hub (depending on Covid restrictions). The course will include financial health checks, online banking, TV licensing awareness for over-75s, awareness of online scams, price comparisons and how to protect yourself from financial abuse. This will all be delivered through the funding of a 6-hour-a-week ‘older advisor’ post.

Rugby Christian Life Centre is a church and registered charity that has a vision and ethos to support the whole community in which it is situated. It currently delivers a number of initiatives to support the vulnerable and socially disadvantaged, the isolated and excluded. It has been established in the New Bilton area of Rugby for over 24 years. During the Covid-19 pandemic it has developed a working partnership with New Bilton Community Association

The project we are pilot funding is the New Bilton Job Club. This will deliver financial literacy advice and guidance, and work-readiness skills to at least 30 people aged between 35 and 65 in the New Bilton, Long Lawford and Newbold areas of Rugby who have been affected by the pandemic. This will be delivered by a 15-hour-a-week funded project-worker post over 1 year.

November 2019 - Life Changing Transitions - just under £45,000 committed, 7 projects approved.

The Zinthiya Ganeshpanchan Trust, a registered charity was established in 2009 in Leicester. In 2018 they supported over 2,000 disadvantaged and vulnerable people in Leicestershire. They support people to live without the fear of violence and abuse, by providing holistic practical support by helping people transform their lives through education, skills development and employment opportunities.

The project we are funding is to support 78 people, who have become homeless as a result of a change/transition in their life, to successfully maintain a new tenancy. This will be achieved through intensive and wide-ranging tailored 1:1 support to empower people to change their relationship with money, maximise their income and reduce expenditure, understand the important tasks that need to be undertaken so not to fall behind with their rent and priority bills. A project advisor will be funded for 12 hours per week for six months.

Bestwood Advice Centre is a small grassroots charity based in the Bestwood ward of Nottingham. They have been providing free, impartial, confidential advice and support services for over 35 years to their local communities of Bestwood and Basford.

The project we will fund is Life after Debt. It will take a holistic, preventative approach to debt management, by providing a tailored support programme consisting of at least 4 meetings with 120 clients post-case closure. Providing this support will reduce the likelihood of re-entering situations of debt. Meetings will include budget planning, assistance with opening accounts, changing energy suppliers or other contracts. Progress of clients will be monitored by using their resource Value, Money and Me packs.

The Pandora Project, is a registered charity based in King's Lynn, which was established in 2013. Its main aim is to support women affected by domestic abuse in rural West Norfolk.

The project will deliver 1:1 financial capability support and guidance to 50 vulnerable women who live in West Norfolk. Each will be offered up to 6 sessions. This will be delivered by a 10 hour per week funded finance-worker post over one year. The project will empower women to take control of their finances and feel comfortable and more confident managing their money. Having an in-house finance worker who understands the financial impact of domestic abuse will improve the service Pandora can offer their clients.

Access2Advice is a Community Interest Company, established in 2007 in Derby. Their goal is to reduce re-offending through innovative means by working to ensure reliable and effective support for decreasing debt, improving financial capability and developing employment skills for offenders.

The aim of this project is to help ease the life transition offenders face when reintegrating back into the community by providing group debt, benefits and financial capability skills and support for 60 prisoners who committed offenses of a sexual nature and who are nearing the end of a custodial sentence in HMP Lincoln. The project will deliver two 3 hour workshops in HMP Lincoln and then evaluate the programme to establish the need and impact of the project for this offender group.

Clean Slate Training & Employment CIC was set up in 2006, by the former Managing Director of the Big Issue. They are based in Bath. Their overarching aim is to create a lasting impact that helps people help themselves to overcome poverty and escape the threat of homelessness. Clean Slate works with long term unemployed people, ex-offenders, people with histories of substance abuse, people with learning and physical disabilities and new parents.

Our funding will fund four 3 Bs group money skill training days to a minimum of 30 people at risk of homelessness in Gloucester. Each 6 hour money skills training course, addresses participants' attitudes to money and fills any gaps in their financial life skills. The 3 Bs borrow from the triple-threat faced by Universal Credit claimants: banking, budgeting and being online, but goes on to explore borrowing less, saving more, spending less and earning more. The course creates a safe space to explore the way people in their situation should think, behave and manage their money. It will involve participants editing content for Quids in! magazine and act as an agony aunt. By the end of the course they will have identified their own goals and the key steps they will need to take.

Musselburgh and District Citizens Advice has been delivering quality advice and guidance for over 45 years in its local community in Midlothian, Scotland. Since 2011, they have had a Financial Capability Officer delivering a Money Matters project to a range of groups, and have more recently developed a partnership with Criminal Justice and Social Work Teams in East and Midlothian to provide support for their clients who are offenders, at risk of offending or who are victims of domestic abuse.

The project will deliver 36 financial education group sessions to 26 women who attend the Connect, Spring and Supper Bite sessions. It will offer 1:1 support to women who need help to budget and support to negotiate with creditors. It will upskill and train 20 professionals who work in the Criminal Justice Social Work Teams in Mid and East Lothian, using CAB accredited training resources. All the activities will be funded by a 6 hour per week post over one year.

Middle Eastern Women and Society organisation (MEWSo) is a small registered charity based in Islington, North West London. They have been been delivering services to Middle Eastern, North African and Asian migrant, refugee and asylum seeking women and survivors of gender based violence in Westminster and Islington for over 8 years.

The project that we will fund will improve the financial knowledge and resilience of 35 women and their dependants at a critical point of their lives, namely divorce or separation. The service will be delivered over 40 weeks by two experienced welfare advisors who have lived experience of separation, and can speak native languages (English, Arabic, Kurdish and Farsi). Four hours of 1:1 support per week will be delivered. Four workshops of 3 hours each using the CAP Money Course resources will be delivered. A financial capability resource in English, Arabic, Kurdish and Farsi will be developed. Two community volunteers with lived experience will be trained to support and co-facilitate training and provide outreach and further support on financial matters to clients in need.

April 2019 - Raising the Next Generation Round - just under £49,000 committed, 10 projects approved.

Newbigin Community Trust is a registered charity, serving and empowering the culturally diverse community in Winson Green, Birmingham. They facilitate and create opportunities for neighbours to work together towards common goals and create community and networks of mutual support; a place that reduces social isolation and supports people in times of need.

This project will employ an Advocate Coordinator for 10 hours per week to deliver and support the following activities:

Recruit & train 6 volunteer peer advocates, their training comprises of 5 half day financial capability workshops.

Provide 2 x 3.5 hour weekly drop in sessions, one at HMP Birmingham's Visitor Centre and the other at Newbigin House.

3 hours of family outreach will be provided each week to vulnerable families where English is not the first language for banking / benefit support.

In partnership with Birmingham Settlement's Training Unit 25 young people aged 11-16, will attend 2 financial education workshops.

Surviving Economic Abuse is an independent national charity founded in 2017 to raise awareness of economic abuse in the context of domestic abuse, and to transform responses to it. Their vision is a world in which women and girls achieve economic equality and can live their lives free of abuse and exploitation.

This project will develop course content and materials to increase young peoples' knowledge and understanding of how to manage their personal finances and the economic aspect of relationships with a view to preventing young people and women in particular becoming victims of domestic abuse. A pilot programme will be delivered in at least 2 settings, 'School 21' in Stratford and charity partner 'Tender' to teach 35-75 young people. A minimum of 6 training programmes will be delivered.

By March 2020, a range of online & downloadable free tools & resources will be created to be used by a range of youth practitioners.

The Community Bureau, based in Lochgilphead, Argyll, is a Scottish Charity Incorporated Organisation. Founded in 2015, they are an umbrella organisation supporting a range of innovative community development projects and social enterprises designed to meet the needs of their rural and remote community.

This project will deliver the Skills for Living Project to 8 young people with Learning Difficulties.

Two cohorts of 4 people each will attend 4 x 90 minute financial skills workshops. Following completion of the workshops each young person will have the opportunity to volunteer in a safe environment for up to 2 hours on 3 successive weeks.

Community Stuff is a Community Interest Company based in Eastbourne, East Sussex. They have been operating for over 5 years, bringing community together with free fun activities, events, training and learning opportunities.

This project will deliver the hands on course Spend Less, Eat Well. The course teaches people how to manage their money better, learn basic organisational skills and practical cookery skills.

The course comprises 6 x 3 hour sessions, using the resource, 'Beyond the Foodbank' and online resources from the MSE website. The course will be delivered twice. The beneficiaries will be 16 Young Mums who reside in the Salvation Army Young Mothers' houses in Newhaven and Eastbourne.

Speaking Out is a registered Community Interest Company with over 10 years’ experience delivering services to residents of hostels for homeless people across Birmingham and the Black Country.

This project will engage and support 30 young people aged 16-18, who are resident in five homeless hostels across Birmingham and Dudley.

Five new volunteers will be trained to work with the young people in the hostels. There will be 1:1 tuition for each participant as well as weekly group sessions. This support will be delivered over 20 weeks to help them learn basic budgeting skills, numeracy and give them the opportunity to take an adult numeracy AEB qualification.

The project focuses on developing an appreciation of the value and importance of money as a key way of reintegration into society.

St. Andrew's Community Network is a registered charity, it has been supporting vulnerable people in Clubmoor, north Liverpool since 2003. They have delivered money advice and budgeting support for over 10 years, and are the co-ordinators for the north Liverpool Food Bank.

Over the year this project will train 10 new volunteer money advocates to support 40 people. It will deliver the Just Finance Foundation short money courses: Cash Smart Credit Savvy and Universal Credit Savvy adult courses twice per month to 164 adults over the year. In collaboration with West Derby School and Holly Lodge Girls College, a 6 week money foundation course will be delivered to 120 young people in Year 12.

Warm Hut, a registered charity was established in 2009 to support French speaking asylum seekers and refugees living in the Greater Manchester area, especially in Salford. The charity now has a wider remit of helping the local community in Salford and surrounding areas such as Cheetwood and Cheetham Hill.

This project will provide a face to face drop-in debt and money advice service for refugees and migrants experiencing financial difficulties, alongside a weekly club to discuss finance and related issues. It will deliver 10 x 2 hour workshops and learning circles providing preventative information & support. Topics covered include: trust in UK financial institutions; remittances; transferring money abroad; bad credit history; living within means and saving for the future.

A community personal finance outreach programme in Cheetwood will support up to 30 young people, aged 16-21,and up to 10 Community & Faith leaders.

North Bristol Advice Centre is an independent charity that has been delivering advice, representation and community services in deprived areas across North Bristol and South Gloucestershire for over 30 years. Their aim is to promote social justice and combat poverty by providing free and independent advice and support that enables people to develop skills, improve wellbeing and make positive changes in their lives and communities.

This project will deliver the Money Smart course to 60 young people aged 15-18 in partnership with South Gloucestershire & Stroud College. It will deliver 4 courses to 4 tutor groups comprising of 4 x 1 hour sessions. A further 1 hour follow up session will be delivered to all groups later in the year.

Oasis Hub Mayfield is based in a deprived area of Southampton. It was established in 2008, by the international charity Oasis whose vision is to build communities where everyone is included, and people reach their potential. Their Community Hub model is designed to meet the individual needs of a locality, which are tailored to maximise local opportunities.

Four workshops will be delivered at the Oasis hub site by a money trainer from local debt advice service Frontline Debt Advice. They will provide practical budgeting advice and support for up to 40 parents whose children attend the Oasis academies Mayfield and Sholing.

Arun and Chichester Citizens Advice is an independent charity and a member of the National Association of Citizens Advice. Their service is free, confidential, independent and impartial.

This project will employ an experienced financial capability worker for 1 day per week. Working in partnership with Safe in Sussex and My Syster's House it will deliver a flexible programme of 18 financial capability workshops using & adapting financial capability resources from national Citizens Advice, to approximately 48 survivors of domestic abuse.

46 1:1 sessions will be available for those requiring additional support, specifically around the use of IT. Citizens Advice’s digital money coaching materials will be used.

Safe in Sussex and My Syster’s House support workers will benefit by having a specialist resource to refer clients to for financial capability work, freeing up their time to provide broader support to develop clients self-esteem and confidence.