Multiply Course

Nifty Numbers

With Steps to Work

Shopping on a budget

Make it throughthe month

Managing Money

Security, Scams and Online Banking

Modules : - Planning Ahead - Food Labels and offers - Value for money

Activities to takeaway

Modules:- Online Banking Support- Identifying Online Scams

Activites for you to take away and work on at home

Start

Modules: - Attitudes towards money - Budgeting - Financing Options

Start

Modules: - High and low priority bills - Ways to save

Recipes and Cooking on a budget

Price Comparison & Money Terms

Start

Modules: - Recipes & Activities - Summary

- What is Price Comparison - Money Terms

Useful Links

Here you can find all useful links, these will be seperated by each module for your browsing

Toolkit

Directory

Managing Money

Nifty Numbers

Start

01 - Managing Money

With Steps to Work

Goals

Click on the box below to reveal your goals from this unit

You will understand what interest is and how it works.

You will be able to successfully identify ways to budget.

You will be able to understand how your thoughts about money can impact your use of it.

Introduction

Unit 1 - Managing Money

Start

Introduction // Context

In this unit we will look at:

• How attitudes towards money can change how it is managed
• Where we can use a budget to help with money

• What interest is and how it works
• Being actively aware of where your money goes.

Does anybody already have some ideas or thoughts they'd like to share?

Intro

Development

Review

You will go through how to navigate the course and briefly what it covers.

Short section to review what we've learnt throughout the course.

Attitudes toward money

Budgeting

Financial Planning

1. Attitudes towards money

Unit 1 - Managing Money

Start

Attitudes towards money

In this module we will explore:

• How attitudes towards money can impact your finances
• What we can do to change our attitude
• We will explore what your current attitude towards money are and what you may look to change.

Testing your attitude

If you were to go shopping and saw a pair of trainer which you couldnt afford at the moment would you...

A Ask to borrow the money and hope they dont ask for the money back.

C Save for a few weeks and when you have enough go to make the purchase

B Ask to borrow money and pay back an amount weekly.

Testing your attitude

You've been given some money for your birthday, now you...

B Spend some and save some for a later date.

C Save it all until you make a decision on what to do with it.

A Go to the shops to spend it

Testing your attitude

You've borrowed money from a friend and don't think youll be able to pay it back by the agree date so you .....

B You explain you can't pay it back by that date and agree a new deadline for the full amount

C You explain you can't pay it back but offer to pay in smaller amount

A Hope your friend forgets about it

Testing your attitude

A friend keeps borrowing money and never pays it back, they ask to borrow £5 to go to the cinema so you...

A Lend them the money you can afford it and not worry if you get it back.

B Lend them the money but explain it is the last time until the pay some back

C Say no they already owe too much

Testing your attitude

Finally how would you describe yourself with money?

B Sometimes good and bad

C Good with money

A Bad with money

Testing your attitude

Lets review your answers

Answered mostly B's You have an understadning how to manage money but sometimes need some help to stick to your plan.

Answered mostly A's May need some support with your finances and to use the resources towards the end of the course.

Answered mostly C's You really know what your doing when managing money and know it is important to keep a track of incomings and outgoings.

What can affect your attitude?

Where the money has come from can have an affect on your attitude

How you've learnt to manage money will be a big affect on your attitude

Your social background can affect your attitude towards money

Your perception of money can also add to your attitude

Now it's your turn

Drag the atitudes and drop them in what you think is the corresponding category.

Money for status

Good

Money is only to be saved.

Setting a financial goal

Saving for the future with some spending

Spend less than you earn

Bad

Worshipping money

check

Intro

Development

Review

You will go through how to navigate the course and briefly what it covers..

Short section to review what we've learnt throughout the course.

Attitudes towards money

Budgeting

Financial Planning

2. Budgeting

Unit 1 - Managing Money

Start

Budgeting

Group Activity:

As a group lets understand what budgeting means to us all. Using the points below to help as prompts

• What is everyone's idea of budgeting?
• Who does budgeting apply to?
• What does a budget include?
• How long do we need to budget?
• How does budgeting help?
• What tools can help with budgeting?

Budgeting

Definition:

'The process of calculating how much money you must earn or save during a particular period of time, and of planning how you will spend it' - The Oxford Dictionary

Simply put a budget is a prediction of incoming and outgoing funds and where these will be allocated. Next we will move on to some examples of budgeting being both good and bad but before we do take a look below at the graph to see how budgeting can

Bankrupt Lottery Winners

70%

This can be for a variety of reasons such as poor budgeting, reckless spending, gift giving and lack of secure investments

Reveal

Videos

Let's Watch

Below is a video on the importance of budgeting and the kind of impact it can have.

This is an example of good budget vs. a more wasteful one

https://www.youtube.com/watch?v=j1Vwth0B8I8

https://www.youtube.com/watch?v=4mmg6PMiBbQ

Activity

Work through this:

• Which of these gives you the cheapest cost per book?
• Is it always best to go with the deal that makes an item cheaper, what other examples can you use where it may be best to bulk buy compared to not?
• Why is the most expensive option buying one book?

Once you have figure out the cost per book click on the empty box to reveal the answerr

£3.75

£3

£2.50

Look at the table above and click on the 'Task' button to reveal some questions to make you think about pricing of group and inidividual items

+Task

Intro

Development

Review

You will go through how to navigate the course and briefly what it covers..

Short section to review what we've learnt throughout the course.

Attitudes towards money

Budgeting

Interest

3. FinancingOptions

Unit 1 - Managing Money

Start

Interest

What is it?

• Interest is an amount of money added or taken from a balance according to a rate set by the Bank of England.
• When talking about debt interest is money charged for borrowing an amount.
• If talking about savings then interest is money given to you for saving with that bank.

Before answering the questions have a think why someone may be helped by interest

Questions

Money map

Money

Overdraft

Credit Card

Savings

Short term use

High interest rate

Regular 0% offers

Low interest rate

No borrowing involved.

High Interest rate

Has to be paid in full each month to avoid interest

Available instantly

Fees charged daily

Purchases insured by the bank

Can be used with schemes to help buy houses.

Not always instant access

Have a look at some of the positives and negatives about inerest related products.

Activity

Click on the item you want to use for the next task

For the next task, you will see on the following page that you will have to make a decision as to how you will pay for the item.

Finance, Leave it or Save it? - Robert

After bills each month he has £500 spare which you can be saved. If Robert takes the car on finance he will be paying for it for 5 years at £170 per month and a £300 deposit. Due to an offer he will only be paying 5% on your first 5 payments. Insurance will be £100 per month and fuel being £50 per month.

Robert is looking to buy this car for a price of £10,000 . You will now need to plan on how achievable this is for him with his wage and whether he should save, take it on finance or not have the car.

You will need to think about : How much will it cost? Any ongoing costs? (Fuel and insurance) How much extra you will pay with interest? How much will Robert be left with after monthly payments? Make a list of the key points and make a decision on what Robert should do and why.

Finance, Leave it or Save it? - Dave

Dave is looking at upgrading his current phone which has started being slow recently. He currently pays £25 per month which doesn't cover all of his usage. He needs something with 1,000 texts and 100 minutes. At the moment he pays an additional £10 per month on extra data to take him to 2GB which he doesn't use. He is looking for an iphone as he has used them before.

Dave has had his bills go up recently and is looking for a phone to best fit his needs but doesn't know whether to save, finance one or not get one. He can spend £40 per month on his phone or savings according to his budget. Pick which one you would choose and why.

Daves options

When making a decision please think about: How long will it take to save for an Iphone? Is there any other phone that meets his needs? Does he need 2gb of data? Make a list of key points and you recommendation to Dave

Finance, Leave it or Save it? - Clare

Clare has been renting and saving for the past few years and is looking at potentially buying a house. You will have to look at the information Clare gives us and give Clare your opinion on what she should do in your thoughts.

Clare is currently paying £1100 per month in rent and is looking to buy the property, she is £50k off buying the property. If she buys she will only have the utilities to pay each month as well as insurance. Clare has been offered a mortage for the full £50k. The deposit would require her to use all of her savings and the money would be given at an interest rate of 10% over 55 months.

When making a decision please think about: How much will she be charged for the Mortgage How long will it take to save for the rest of the money? Will the house increase in value? If Clare gets a mortgage the house will be hers sooner, is there a benefit to this? Make a list of key points and you recommendation to Clare

Intro

Development

Review

You will go through how to navigate the course and briefly what it covers..

Short section to review what we've learnt throughout the course.

Attitudes towards money

Budgeting

Financial Planning

Review

Unit 1 - Money Management

Start

Rate yourself

Drag the rating next to the box of the subject and your confidence after covering each module.

1 - Not Confident

1 - Not Confident

1 - Not Confident

2 - Getting more confident

2 - Getting more confident

2 - Getting more confident

3 - I could do it with help

3 - I could do it with help

3 - I could do it with help

4 - I could do it with minimal help

4 - I could do it with minimal help

4 - I could do it with minimal help

5 - I am confident

5 - I am confident

5 - I am confident

Key information to take away.

Modules

Budgeting

Interest

Attitudes towards money

Understand your attitude towards money

What a budget is

What interest is

Make a financial decision based on multiple factors.

Identify good and bad attitudes

How budgets can be helpful

The first level will be basic understanding that you should've gained throughout the course and the second level is a further and deeper understanding

Useful Links

Unit 1 - Money Management

Start

Useful Links

Click on the white boxes below to visit the relevant site.

1 - Create a budget using a template.All you need is to create a google account if you don't already have one then click the link and select the 'Monthly Budget' template and fill in the highlighted areas with your money.

Google Sheets

2 - Check your current overdraft fees by selecting 'Yes' to having a current account with them even if that is not the case, then select 'Classic' and 'Yes' to having an arranged overdraft then type in the interest rate and it will calculate the daily amount you will be charged for borrowing the amount select

Lloyds bank

Example budget

You've done a

WONDERFUL JOB!

Thank you all for attending

Home

Shopping on a budget

02 - Shopping on a budget

With Steps to Work

start

Objectives

By the end of this course you will....

You will be able to look at a recipe and be able to calulate the cost per serving.

Identify the different type of food labels

You can identify where it may be best to buy bulk product or buy just for the purpose intended

Menu

Modules

Planning ahead

Food Labels and offers

Value for money

Planning Ahead

Introduction

Throughout this module we will be looking at how to plan ahead when it comes to meals

Why planning ahead and budgeting meals is beneficial and how we can do this.

Planning ahead doesn't always mean buying when something is cheap or on offer, this can often lead you to waste the items as it is an impulse buy or could cause you to spend more to accomodate the item you've bought.

Planning Ahead

Save money by saving food - Some Facts

Ready meals are more expensive in most cases than making food fresh (plus sometimes you get more)

Cooking easy meals in bulk and freezing can be more cost effective

Planning meals before going shopping can help cut down on waste and impulse buys on offers.

+ More

Planning Ahead

Watch this video and then as a group have a discussion : What did you think about the food? What was done well with this? What would you have done differently? Why was there no ready meals?

Click here to watch how someone bought food for a week with just £10

Reveal

Video links

I now want you to think of what 'Planning Ahead' means to you and how this applies to budgeting and food planning. Once you have done that, move on to the next page.

Planning Ahead

Simple Breakfast

Recipe: - 100 grams Plain Flour - 2 eggs - 300ml milk

You are going to be making pancakes for two people, we need you to cost the pancakes and make a decision: Pre-made or hand-made? What fruit are you going to use as a topping? What's the best way to make this cost effective?

Menu

Modules

Planning ahead

Food Labels and offers

Value for money

Food Labels and offers

Offers

Here we will look at the different type of labels and what information it is best to take from them. Click on the percentages below to reveal the facts attached to them

45%

74%

Only 45% knew how to describe 'Best Before'

Of people know and can explain what 'Use By' is

Food labels and offers

When you do shopping after making a plan of what you'll need, you should be trying to get the longest date possible to enable you to have the most amount of time to use it. It is important we understand the difference to be able to utilise what we buy in the most effective way.

Click on the buttons below to understand the difference between 'use by' and 'best before'

Best Before

USE BY

Eggs are an eggception to the this rule they will show a 'best before' however these should not be used as they may contain dnagerous bacteria. Guidance mentions that as long as the eggs are cooked thoroughly until both yolk and whites are solid then they may be eaten a day or two after.

Food labels and offers

Food labels

Lets explore the meetings of the food labels below.

Food labels and offers

Food Offers

Special offers are great, but don't buy food just because it's on offer – you might not use it. Look out for 3 for 2, money off or % extra deals. Check that you can store these for when you need them. Keep your eyes peeled for offers late in the day, often supermarkets reduce their prices.

Move on to the next page to start planning shopping using offers and comparison sites.

Food labels and offers

Activity

Pick one item from each section and compare the prices across a minimum of 2 supermarkets.

When comparing brands who had the most products at the cheapest price.

Which of your chosen items were on offer?

Were the majority of products you found fresh or frozen?

What was your total for the 11 items?

Value for mOney

Easy ways to cut down

Portion sizes - Only cook what is needed. Only time you should overcook is when you're doing this in bulk to be frozen.

Eating out - Limit eating out as you pay more for convenience

https://www.youtube.com/watch?v=KZf9_GdDff0

Recipe Sites - Look online to see how you can utilise items you already have and might have limited use for.

Reducing waste - Watch the video to the top right to look at some ways to cut down on waste.

Wasted food

Value for mOney

Activity

Drag the answers into the correct box (Answers will need to the nearest penny) only reveal the answers once you have dragged your answer into the box

Answers : Luxury Brand : 10p Per biscuitand pack weighs 336g Own brand: 8p per biscuit and pack weighs 240g

18p

360g

336g

240g

10p

8p

Answers

Value for mOney

Activity

Rate the offers using the numbers on the right, ONe is the best and four is the worst. Drag the numbers above the offers

Bag of 5 apples £2.50 1kg

CHopped apple snack pack 200g £1.10

Pizza £3.30 each

Any 2 for £5

OR

OR

Cherry-ade 500ml 60p

Any 2 for £1.20

Bag of carrots 500g 90p

One kg for £1.50

OR

OR

Value for mOney

Congratulations

We have finsihed todays modules'

Menu

Security, Scams and Online Banking

Online Banking

Security

Scams

Completed

To Do

Who to ask for support

Go to

Logging In + Tips

Go to

Activity

Go to

Objectives

We want you by the end of today

To be able to:

• Feel more confident when approaching online banking
• Confidently identify a scam email / text
• Know how to respond or deal with a scam email / text
• Understand who are able to help with online services.

Unit 1

Online Support

'We Are Digital''

https://www.we-are-digital.co.uk/

They are a company who offer support with 'Digital Training' which covers a variety of tasks and sectors including Online Banking support offered through Lloyds Banking Group and Santander. Using this service will not require you to had over your details for others to access. You will have a friendly voice on the other side of the phone helping guide you to do your tasks.

Other services that are offered do include courses through businesses such as help filling in application forms and other daily online tasks. There are many other services and charities like this offering support to help people transition into an 'Online' World.

Security, Scams and Online Banking

Online Banking

Security

Scams

Completed

To Do

Who to ask for support

Go to

Logging In + Tips

Go to

Activity

Go to

Unit 1

Logging In

For using your Internet Banking you will need to have registered previously, if you have not already. Guides on how to register for online banking can be found on your bank / building society website. Tips: If you have entered your password incorrectly more than 3 times, it will be best to reset this as some banks can lock you out until you do this. (They don't always tell you they've locked you out) If you know you may forget a password you may be able to set up a reminder or make a note of a phrase or word that may remind you of this. Keep your mobile number up to date with the bank to be able to receive texts/calls.

When logging into Online Banking it is important to do so from somewhere safe and secure, what we mean by this is normally a protected wifi network with a password. Normally home is the best place.

Security, Scams and Online Banking

Online Banking

Security

Scams

Completed

To Do

Go to

Who to ask for support

Logging In + Tips

Go to

Activity

Go to

Unit 1

Activity

For this activity what you will need to do is move the words on the right into the bubble which you think apply to that word when thinking about Online Banking, Ie: Quick access to money - Positive

Positive

Negative

Difficult to use

Instant Access

Cheques can be deposited through the app

No personal contact

Staying logged in

Lots of security

No travelling

Taken down for maintenance

Using face ID

Security, Scams and Online Banking

Online Banking

Security

Scams

Planned

Completed

To Do

Who to ask for support

Go to

Logging In + Tips

Go to

Activity

Go to

Security, Scams and Online Banking

Online Banking

Security

Scams

Planned

Completed

To Do

What is online security?

Go to

How to protect yourself online

Go to

Activity

Go to

Unit 2

What is online security?

Can anyone explain what we might mean by online security?

Lets watch this video and see if we can add anything further to the discussion.

Online Security is what it says on the tin. However what Online Security consists of can be broken down in to many different sections. An example of this is being broken down into Software (things installed) & hardware (built-in components) & personal choices choices.

Reveal

Security, Scams and Online Banking

Online Banking

Security

Scams

Completed

To Do

Go to

What is online security?

How to protect yourself online

Go to

Activity

Go to

Security, Scams and Online Banking

Online Banking

Security

Scams

Completed

To Do

Go to

What is online security?

How to protect yourself online

Go to

Activity

Go to

Unit 2

How to protect yourself online

Tips to stay safe

Given by an internet security company called Kaspersky

Link

Online tips

Here are some trusted tools and their uses.

Link

Common Computer Security.

Click on each box to learn more about security methods.

Firewall

VPN (Virtual Private Network)

Antivirus

Being cautious

Security, Scams and Online Banking

Online Banking

Security

Scams

Completed

To Do

Go to

What is online security?

How to protect yourself online

Go to

Activity

Go to

Unit 3

Activity - True or False

Click the answer and then you will be moved to the next page.

Unit 3

Activity - True or False

Click the answer and then you will be moved to the next page.

Useful Links Directory

Unit 2

Unit 4

Unit 6

Unit 3

Price comparison and Money Terms

Unit 5

Recipes and Cooking on a budget

Making it through the month

Unit 1

Shopping on a budget

Ways to save

Managing Money

Useful Links Unit 1 - Managing Money

Click on the white boxes below to visit the relevant site.

1 - Create a budget using a template.All you need is to create a google account if you don't already have one then click the link and select the 'Monthly Budget' template and fill in the highlighted areas with your money.

Google Sheets

2 - Check your current overdraft fees by selecting 'Yes' to having a current account with them even if that is not the case, then select 'Classic' and 'Yes' to having an arranged overdraft then type in the interest rate and it will calculate the daily amount you will be charged for borrowing the amount select

Lloyds bank

Example budget

Useful Links Unit 2 - Recipes and cooking on a budget

Click on the white boxes below to visit the relevant site.

Citizen's Advice - Money Manager

Tips for planning meals when budgeting

1 -Here you will be presented with the best offers when you search for an item, you can also create alerts for items that you are looking to get at a discounted price. Each page will take you to the relevant supermarket

my supermarket compare

Money Manager - CAB

2 - Blank

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Example budget

Useful Links Unit 3 - Shopping on a budget

The Balance Money - Guide to helping prepare throughout the month and stretch money.

Step Change - A guide and template to create a budget with an explanation of what you need to look at.

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Step Change - A series of short guidance to help with getting through the month in a variety

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Useful Links Unit 4 - Making it through the month

The Balance Money - Guide to helping prepare throughout the month and stretch money.

Step Change - A guide and template to create a budget with an explanation of what you need to look at.

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Step Change - A series of short guidance to help with getting through the month in a variety

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Useful Links Unit 5 - Ways to save

Step Change - Help to save Scheme, here you can check your eligibility for one of these accounts.

Step Change - Advice on how to save money with Utility bills and switching suppliers

Money Helper - help budgeting and setting a savings goal with a calculator to find the amount of time to save to hit your goal

Step Change - Short guidance on how to still save and budget when going out.

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Useful Links Unit 6 - Price Comparison and Money terms

Trolley - You can check prices across all uk supermarkets , the cheapest will normally be displayed first

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