2. Partnership between WYTSS & Barclays Financial education game aimed at young people aged between 16-25 years Topics from budgeting and banking to affordable credit, credit agreements and illegal money lending Aims to empower young people with the knowledge to make more informed financial choices

3. Almost half of young people in Britain accept that they will be in debt for most of their lives 15% of those who go bankrupt are under 30 The average household debt in Britain is nearly £8000 On average, 15-24 year olds spend £4000 each year on socialising and non-essentials Only a 1/3 of young people consider themselves to be financially literate, compared to 50% of adults Young adults also express low levels of confidence about making the right decisions when choosing banking products The average student starting university in 2010 is expected to graduate with £24,702 of debt. WHY….

4. character scenarios.. Arnie Army Private Maya Graduate Tania Single Mother Finley University Student Steve School Leaver Taran Business Women

5. Unit 1: Luxuries v Necessities Do I have any disposable income? How can I prioritise my spending? What is essential and What Can I live without?

6. Unit 2: Bank Statements What are they used for? What does all this jargon mean? Which of these numbers is my account number? What about security? What do all these different banking transactions mean?

7. Unit 3: Loans Is it legal? Who enforces the Consumer Credit Act? What type of credit is available? Is getting credit an option for me? What type of credit should I get?

8. Unit 3: Loans

9. Unit 4: Credit Reports What information is stored on credit report? What is a credit report? How do I get a copy of my credit report? How can I improve my credit score? How does credit scoring work? What might harm my credit rating?

10. Unit 4: Credit Reports

11. Unit 5: The Game Reinforces knowledge from the earlier units… Correct + 100 Incorrect -100

12. the project has reached..  over 20,000 young people across the North of England  Trained over 1500 volunteers from Barclays and community organisations  Schools, Colleges, Prisons, Housing associations Princes Trust groups and various community organisations across the North of the country.

13. For more information… contact the team: moneyskills@wyjs.org.uk