# data[].attributes.headline
Financial Literacy and Inclusion Campaign Workshops

# data[].attributes.subject
Financial Literacy and Inclusion Campaign Workshops

# data[].attributes.body
Variety of workshops lasting 20-30 minutes including: taking car of money, managing financial risk, planning for work and preparing for the financial future

# data[].attributes.attachment_link.title
NatWest Thrive - Money Confidence and Future Skills

# data[].attributes.attachment_link.description
Welcome to Thrive. Unleash the power of financial education with our free program designed for teachers, parents, carers, and community leaders.

# data[].attributes.attachment_link.authors[].name
NatWest Thrive Be a little more future ready

# data[].attributes.attachment_link.title
Thrive | Kids & Teens financial wellbeing | NatWest Accounts

# data[].attributes.attachment_link.description
Championing kids and teens to be confident with their financial wellbeing. Whether you’re starting a side hustle or looking for tips to improve your wellbeing.

# data[].attributes.body
Applying for or renewing a driving licence (gov.je)

# data[].attributes.body
Driving theory tests (gov.je)

# data[].attributes.body
YouTube

# data[].attributes.attachment_link.title
How To Use Canva For BEGINNERS! (Canva Tutorial 2020)

# data[].attributes.body
Spending and saving | Money management | The Prince's Trust (princes-trust.org.uk)

# data[].attributes.attachment_link.readable_text
Our personal budget planner can help you to keep track of money coming in and out, but there's lots of other ways that you can make your money go further.

Hey big saver! Whether its £100 or £1, saving money every month is a good habit to get into. If you're disciplined enough to transfer it automatically into a separate bank account every time you're paid, not only will it feel easier, but will also help you work towards your goals. Whether it's a house, car or providing for your family, having that little bit extra gives you security.

Bills bills bills. No one enjoys opening bills, but it's important not to get behind. Reading into how you're spending your money - whether that's electricity, phone usage or shopping -will also highlight areas where you can pull back and start saving.

Shop around. To find the best price on items takes time and organisation, so do both and enjoy the rewards.

Do I really need it? Asking yourself this question will help you to think about your purchases and potentially save money. For example, if you're buying a coffee at the station every day, why not make your own in the mornings a few days a week to avoid falling into a spending trap. Prioritise. If you have debts to pay, speak to a professional about how these can be streamlined into easy payments and make sure these are one of the first things to be done each month

# data[].attributes.attachment_link.title
Spending and saving | Money management | The Prince's Trust

# data[].attributes.attachment_link.description
Our personal budget planner can help you to keep track of money coming in and out, but there's lots of other ways that you can make your money go further. Hey big saver! Whether its £100 or £1, saving money every month is a good habit to get into.

# data[].attributes.body
Understanding Overdrafts & Overdraft Charges | Free Advice | The Mix

# data[].attributes.attachment_link.readable_text
Essential support for under 25s

Overdrawn again? Here's the lowdown on overdrafts and how to keep on the right side of your bank.

The basics on being overdrawn

An overdraft is an agreed cash-borrowing limit arranged with your bank. It gives you a flexible way of managing your cash flow and can provide you with short-term funds if you don't have enough money, but it's not a loan.

Overdrafts can help you if, for example, you have an urgent phone bill to pay today, but the funds won't go into your account until next week. The overdraft enables you to pay off the bill, without having the actual money in your account.

How do I arrange an overdraft?

As with all forms of credit, you must be over 18 years of age before you can apply for an overdraft. You should talk to someone at your local bank branch. Some banks or building societies can arrange an overdraft through their telephone or internet banking service. However, not all bank accounts offer overdraft facilities.

It is crucial to avoid going overdrawn if you haven't arranged it with your bank, or if you are about to go over your overdraft limit. If you do not arrange to have an overdraft or an extension before the money leaves your account, you may be charged steep penalty fees as well as a much higher rate of interest. The bank could also continue to charge you extra fees every time it sends you a letter telling you you are overdrawn. The fines could add up to hundreds of pounds.

What are the benefits of an overdraft?

Overdrafts are ideal for borrowing money you know will be replaced quickly when your salary or regular funds are paid into your account.

However, it doesn't work out as good value if you are borrowing thousands of pounds in this way and never clearing your debts.

What are the disadvantages?

Some banks charge a fee for setting up an overdraft

Overdraft facilities can be withdrawn or reduced by banks or building societies at any time

If you go overdrawn before agreeing a limit with your bank you will have to pay additional high charges

If you go overdrawn above the limit agreed with your bank you will also face higher charges

If you are overdrawn and decide to transfer your bank account you must pay off your overdraft first because you are, in effect, in debt to the bank.

Free or cheap overdrafts

It's worth checking if your bank has a buffer zone that allows you to go slightly overdrawn each month without incurring the high charges usually associated with unauthorised overdrafts. There may be a small annual charge for this facility. Some banks and building societies also offer preferential terms to students, which could mean that overdrafts attract reduced interest rates or are free up to a certain amount.

Unfair charges?

If you go over your agreed overdraft limit, you may be charged a 'default charge', which can be anything from £20 to £40 for a single charge. Many people believe this is a rip-off.

However, if you are in hardship and you have outstanding overdraft charges, you can claim against your bank. See MoneySavingExpert's guide to Bank Charges for people in Hardship. The law is different in Scotland and, as a result, some Sheriff courts are allowing cases to be heard.

Paying off your overdraft

Ideally, you shouldn't live constantly in your overdraft - though it is very common. Try and reduce how much you're overdrawn by each month, so eventually you're back in the black.

Graduates! One thing to watch out for is your interest-free overdraft being reduced once you leave university. Most students enjoy a large interest-free overdraft, but the minute you graduate it can be reduced aggressively and methodically, usually by about £500 each time.

Changes to overdraft charges

From April 2020, banks can only charge for overdraft users a simple annual interest rate - without additional fees and charges.

All users of unarranged overdrafts will be better off or see no change. In most scenarios, a majority of consumers using an arranged overdraft will also see an improved outcome or no difference.

Thanks to the Citizens Advice Bureau for help with this article.

Next Steps

The Money Advice Service offers free, unbiased and independent advice about all financial matters. 0800 138 7777

Chat about this subject on our Discussion Boards.

Need help but confused where to go locally? Download our StepFinder iPhone app to find local support services quickly.

Please enable JavaScript to view the comments powered by Vanilla.

The Mix. Registered charity number: 1048995

Welcome to The Mix, a support service for young people. There are loads of ways you can get support from us, including our articles, videos, helpline, counselling, forums, apps and more. To find which service suits your needs use the drop down menu below.

Welcome to The Mix, offering essential support for under 25s.

Log in to submit your own content on our platform Your Voices.

If you do not have an account with us you can sign up here.
I don't have a login

Forgotten password?

Welcome to The Mix, the online guide to life for young people in the UK.

Your Voices is a community-focused section of The Mix where you can share stories about your experiences on a specific issue. Upload your own videos, images, blog posts, and playlists to Your Voices and share them with your friends.

Don't have a Your Voices account? Sign up here to submit your own content.

Already have log in, log in here.
I already have a login

The impact of coronavirus has put many young people at risk.
Donate as little as the cost of your coffee to keep The Mix's life-saving services running

Donate now

# data[].attributes.attachment_link.description
Essential support for under 25s Overdrawn again? Here's the lowdown on overdrafts and how to keep on the right side of your bank. An overdraft is an agreed cash-borrowing limit arranged with your bank. It gives you a flexible way of managing your cash flow and can provide you with short-term funds if you don't have enough money, but it's not a loan.

# data[].attributes.headline
Cost of Living for Autistic Young People

# data[].attributes.subject
Cost of Living for Autistic Young People

# data[].attributes.body
Cost of living | Ambitious about Autism

# data[].attributes.attachment_link.readable_text
The cost of living crisis is challenging for everyone, but we know it is extremely difficult for autistic children and young people and those who support them.

We have worked with autistic young people to create resources that will support you through the cost of living crisis - from looking after your wellbeing to understanding what support is available to you.
Further resources

# data[].attributes.attachment_link.description
Ambitious about Autism is the national charity for autistic children and young people. We stand with autistic children, young people and their families to champion rights, campaign for change and create opportunities.

# data[].attributes.body
Money, the cost-of-living crisis and mental health | YoungMinds

# data[].attributes.attachment_link.title
Money, the cost-of-living crisis and mental health

# data[].attributes.attachment_link.description
Information on money and mental health, how to support your child’s wellbeing and look after yourself, and where to find practical and financial support

# data[].attributes.body
School | Money Skills | Barclays LifeSkills

# data[].attributes.attachment_link.readable_text
I want to choose my next step

Deciding on your 'what next?' doesn't have to be overwhelming. From unearthing your talents to figuring out what jobs suit you best, we've got the tips and practical advice to get you going.

# data[].attributes.attachment_link.title
School | Money Skills | Barclays LifeSkills

# data[].attributes.attachment_link.description
I want to choose my next step Deciding on your 'what next?' doesn't have to be overwhelming. From unearthing your talents to figuring out what jobs suit you best, we've got the tips and practical advice to get you going.

# data[].attributes.headline
Communicating digitally in the world of work

# data[].attributes.subject
Communicating digitally in the world of work

# data[].attributes.body
Digital & email communication lesson plan | Barclays LifeSkills

# data[].attributes.attachment_link.readable_text
This lesson is designed to help students understand how important it is to adapt their digital communication style in the world of work so they feel they have a confident and professional digital voice.

Technology is changing the world of work, and it's likely that more and more jobs will demand digital skills. Alongside these are a set of core transferable skills that are increasingly important to employers such as problem solving, communication and creativity, and young people may need to apply these in a digital way. It's essential that we are all able to adapt our tone of language and how we communicate with people, often across the globe, with different attitudes and competing opinions, when using digital technology.

By the end of the lesson students will be able to:

Identify the features of a well written, work-related email

Recognise their own use of email and how it may change in future

Understand the potential consequences of poorly written work-related emails

Understand how email is used by cybercriminals to target victims at work and in their personal lives

Looking for more resources on communicating digitally? Why not explore these tools from LinkedIn for more support:

This checklist supports your learners to attract employers, grow their professional skills, and connect to new job opportunities through a standout LinkedIn profile.

Rock your LinkedIn profile video

This tutorial will lead your students through how to create a LinkedIn profile that best represents them, with tips on choosing a profile photo, creating a custom headline, writing a personal summary, how to highlight work experience and more. You will need to sign into LinkedIn to access this free resource.

# data[].attributes.attachment_link.title
Digital & email communication lesson plan | Barclays LifeSkills

# data[].attributes.attachment_link.description
Help students understand the importance of email communication and how to adapt their digital communication dependant on the situation. Read more here.

# data[].attributes.body
Digital Resource Hub - UK Youth

# data[].attributes.attachment_link.readable_text
Generation Code Accelerator is a programme designed by UK Youth to support the lack of embedded, sustainable digital provision in the youth sector. This means we worked with a small group of youth organisations over a year to use bring more digital into their work. This included running digital skills workshops, bringing in local volunteers from the tech sector, and educating young people about opportunities to find work in the tech sector. Download the Generation Code Accelerator - Handbook for more details.

This page is a collection of our top tips and resources from this programme for both youth workers and young people.

Support for young people

Thinking about a career in tech?

The tech industry is one of the fastest growing sectors and can provide exciting career opportunities. There are many different roles working related to digital, so whether you like working individually or as a team, prefer working on coding or are great at talking to clients, there is something for everyone.

Looking to learn new skills?

Want to learn how to code?

Support for Youth Workers

How to embed digital in your youth work provision

Bringing more digital into youth work doesn't mean losing out on face-to-face or in-person interactions or relationships.

In our fast-moving digital world, young people often do have a base level of digital skills. Through embedding more digital aspects into youth work we aim to help young people develop their digital skills further and to introduce new skills, develop enjoyable hobbies, and increase career options.

Being creative is a huge part of digital projects - here are some of our favourite examples from the programme:

2016

Generation Code trained 40 Master Tutors across eight regions, London, Cardiff, Edinburgh, Liverpool, Middlesbrough, Ipswich, Kent and Devon. These youth workers were provided with the knowledge and resources to deliver the Generation Code curriculum to other youth workers in their network, through a 6-hour training day. The 40 Master Tutors have deliver Generation Code to 170 Tutors.

2017

A Generation Code digital platform was created for groups to learn and practice coding skills and collect badges along the way.

UK Youth delivered 10 Inspiration days across the UK, 5182 young people participated with support from 126 Youth workers and 195 Code Champions.

2018

The Generation Code Showcase Hackathon brings together youth workers, young people and tech experts from across the UK to celebrate Generation Code and inspire young people to discover the possibilities of technology.

2019

The pilot of Generation Code Accelerator kicks off with a Training Day at Soapbox Islington. 13 youth organisations with the ambition to upskill and improve digital provision join the programme.

2020 - 2021

Generation Code Accelerator delivers in locations across England, Scotland, Wales and Northern Ireland. Delivery Partners work with young people to assess the digital skills gap, to test digital skills sessions, build organisation partnerships and develop digital strategies.

Our Tech Support Fund distributed just under £50k in small grants to support organisations with tech and delivering digital projects in 2021.

For any questions or feedback about the resources on this page please email jessica.peacock@ukyouth.org .

WordPress Website Theme Developer

# data[].attributes.attachment_link.description
Generation Code Accelerator is a programme designed by UK Youth to support the lack of embedded, sustainable digital provision in the youth sector. This means we worked with a small group of youth organisations over a year to use bring more digital into their work.

# data[].attributes.body
Digital Resource Hub - UK Youth

# data[].attributes.attachment_link.description
Digital skills resource page for youth workers and young people looking to learn new skills or how to get started on a tech career path.

# data[].attributes.body
Digital Skills Courses, Training and Help - Youth Employment UK

# data[].attributes.attachment_link.readable_text
How do I start learning digital skills?

When it comes to the basic digital skills - like using a laptop, computer or phone - check our list of the skills you need below. Every link takes you to information on how to get to grips with that skill by reading about it and using it in your daily life. You don't always need special courses or training to pick up these skills.

If you do want free training in basic digital skills, that's fine! Our Youth Friendly Places ( London, Somerset, West Midlands - who also offer Adult Education - and Darlington) point to lots of employers and places in your area offering FREE training, courses and workshops. They can help you pick up those basic digital skills and so much more. They can help you get jobs and paid training, too.

The Google Digital Garage also has a bunch of courses to help you learn digital skills with free training. They also have webinars, which are online sessions designed to help you learn digital skills in less than an hour.

How can I improve my digital skills?

There are lots of free online courses to help you improve your digital skills. Practice using technology for your job, studies, or personal interests. Offer to help manage the Facebook page or website for your volunteering or sports club. Use spreadsheets to track income and outgoings for your window cleaning business. Get to grips with video calls on different software (WhatsApp, Skype, Google Meet) when phoning clients, your boss or your nan.

The BT Skills for Tomorrow programme has all kinds of free webinars and courses to help you boost your career prospects. They even have webinars on machine learning and learning to code!

What are essential digital skills qualifications?

You really don't need qualifications for essential skills! Lots of free digital skills training offers you a certificate of completion, which can be good for your CV and is a confidence booster.

Our careers hub shows digital job profiles that help you understand exactly what digital qualifications or experience would be useful in getting into any tech job.

If you want to get into digital or tech careers, there is lots of free and paid training available - from bootcamps to apprenticeships - that will give you practical industry qualifications to get ahead.

Look out for digital BTECs, T Levels and NVQs. You rarely need a digital degree.

If you live in London, the London Digital Jobs and Skills Hub offers you free digital courses and training with qualifications.

GOV.UK offers free qualifications for adults with low digital skills.

Is there something you'd like to know about digital careers? Maybe we can help!

Young Professional Training

If you're aged 14+ you can sign up to a FREE programme supporting your personal and professional confidence, with skills development and early career support and opportunities.

FREE Online Skills Training

FREE Online Courses

Try out a wide range of FREE online careers confidence and work experience programmes. Explore your skills, strengths and next steps. Get certificates when you complete each course.

[/su_coloured_section]

# data[].attributes.attachment_link.title
Digital Skills Courses, Training and Help - Youth Employment UK

# data[].attributes.attachment_link.description
Improve your digital skills with our advice hub. Find free digital skills courses and training near you, and tips for learning new skills.

# data[].attributes.body
Resources and Tools - Young Enterprise & Young Money (young-enterprise.org.uk)

# data[].attributes.body
Wellbeing of young people stagnates at all time low post pandemic, warns Prince’s Trust NatWest annual research. (princes-trust.org.uk)

# data[].attributes.attachment_link.readable_text
The Prince's Trust NatWest Youth Index 2023 reveals the happiness and confidence of 16 - 25-year-olds has flatlined at an all-time low in fourteen-year history of research, with young people most unhappy about their money and mental health.

Report finds cost of living crisis and coming recession are young people's biggest worries, as more than two fifths (46 per cent) report economic uncertainty makes them feel hopeless about the future.

Overall happiness and confidence with money now lower than when polling began in 2008 [1] during the Global Financial Crisis, and a third (35 per cent) state thinking about money depresses or stresses them.

The Prince's Trust NatWest Youth Index 2023 (pdf, 5mb), released today, finds the overall wellbeing of 16-25-year-olds has flatlined, remaining at the lowest point in its fourteen-year history, with young people least happy and confident in their money and mental health.

It reveals the cost of living crisis (57 per cent) and coming recession (34 per cent) are young people's biggest worries for the future, and how these concerns impact young people's life goals and career aspirations. More than two fifths (46 per cent) state that economic uncertainty makes them feel hopeless about the future, rising to 55 per cent of those from poorer backgrounds [2].

The Youth Index is based on YouGov research with 2,025 16- to 25-year-olds across the UK, gauging young people's confidence and happiness across a range of areas, from their physical and mental health to money and working life.

Young people's happiness and confidence with money is now lower than when polling began in 2008 during the Global Financial Crisis, and 35 per cent agree that thinking about money depresses or stresses them, rising to 39 per cent of those from less affluent backgrounds.

The number of young people feeling that they will fail in life has increased among those from poorer backgrounds; 36 per cent reported this compared to 25 per cent 12 months ago [3]. One in two (56 per cent) young people say they always or often feel anxious and 62 per cent always or often stressed. More than two fifths (45 per cent) report ever experiencing a mental health problem.

Jonathan Townsend, UK Chief Executive of The Prince's Trust said: "Having already lived through one of the most turbulent times to be young, this year's Prince's Trust NatWest Youth Index is a warning sign that, post pandemic, young people's wellbeing has not recovered. It reveals that for this generation - the Class of Covid - economic uncertainty is having a profound impact on their wellbeing and confidence in achieving their aspirations in the future.

"Most concerningly, the report also suggests that these challenges are hitting young people from the most disadvantaged backgrounds hardest, with those who received free school meals or who are unemployed reporting consistently worse wellbeing in all aspects of life."

Alison Rose DBE, Chief Executive of NatWest Group said

Young people's confidence and happiness with money is now lower than during the Global Financial Crisis - which is something that should concern us all. This report provides a stark warning about the debilitating impact of economic pressures on young people's lives, and emphasises the importance of providing the tools and support necessary to build their financial capability and confidence. As a bank, we are resolute in supporting young people to fulfil their potential, and will continue to work closely with the Prince's Trust to ensure no one is left behind as they navigate the challenges ahead."

The research also asked young people about their biggest goals in life, with almost two thirds reporting financial security (64 per cent), followed by good mental health (43 per cent) and having a family (36 per cent). Seventy per cent state that having a job gives them the financial stability they need and six in 10 (59 per cent) state being in work is good for their mental health.

However, almost half (47 per cent) of young people are worried about the impact of a recession on their job security, rising to over half (52 per cent) of those from poorer backgrounds. Forty-five per cent worry they will never earn enough to support a family, rising to 53 per cent of those from less affluent backgrounds.

Despite the challenges facing young people, the research finds that more than two thirds (seventy per cent) of young people feel determined to achieve their goals in life. Sixty three per cent agree they can overcome the challenges they face, but need practical support to fulfil their potential, with similar numbers (64 per cent) agreeing they can overcome challenges, but need help to build their confidence and skills.

Jonathan Townsend said

The findings show us that young people remain determined to achieve their goals in life, but that they require practical support to do so. Employers, government, charities and individuals must work together to provide a lifeline for those who need us most."

The Prince's Trust helps tens of thousands of young people each year to build the confidence and skills they need to realise their potential. Three in four young people on Prince's Trust programmes move into work, education or training. Its 'Class of Covid' campaign highlights the urgent need to support young people to regain their confidence and build their skills for the future. Search 'Class of Covid' or visit here to find out more.

NatWest have worked in partnership with The Prince's Trust for over 20 years, helping thousands of young people to start their own businesses, develop skills for employment and supported hundreds of staff to volunteer with young people across the UK.
1. Initial fieldwork for Youth Index 2009 conducted from 16th - 31st October 2008.
2. For the purposes of this research, "poorer or less affluent backgrounds" refers to those young people who state they received free school meals.
3. Overall, a quarter (26 per cent) of young people overall feel like they will fail in life.

# data[].attributes.attachment_link.title
Wellbeing of young people stagnates at all time low post pandemic, warns Prince's Trust NatWest annual research.

# data[].attributes.attachment_link.description
The Prince's Trust NatWest Youth Index 2023 reveals the happiness and confidence of 16 - 25-year-olds has flatlined at an all-time low.

# data[].attributes.body
Money & Debt | Citizens Advice Jersey

# data[].attributes.attachment_link.readable_text
Dealing with money issues can be difficult, but if you don't understand how things like credit or mortgages work, you could end up losing out financially or getting yourself into debt. This section will help you to deal with any debt problems, how to avoid losing your home and how to get your finances back on track.

Dealing with money issues can be difficult, but if you don't understand how things like credit or mortgages work, you could end up losing out financially or getting yourself into debt. This section will help you to deal with any debt problems, how to avoid losing your home and how to get your finances back on track.

Use this budgeting tool to help you understand what you are earning and spending, and where you might be able to cut costs.

We use cookies on our website to give you the most relevant experience by remembering your preferences and repeat visits. By clicking "Accept All", you consent to the use of all the cookies. However, you may visit "Cookie Settings" to provide a controlled consent.

# data[].attributes.attachment_link.description
Dealing with money issues can be difficult, but if you don't understand how things like credit or mortgages work, you could end up losing out financially or getting yourself into debt. This section will help you to deal with any debt problems, how to avoid losing your home and how to get your finances back on track.

# data[].attributes.body
Employment | Citizens Advice Jersey

# data[].attributes.attachment_link.description
Here you can learn more about how to find work as well as what your rights are and how to solve potential problems when you are employed.

# data[].attributes.body
Setting up a Business in Jersey | Jersey Business

# data[].attributes.attachment_link.readable_text
Viability check - is there a market?

It's always worth conducting market research to make sure that there are enough potential customers out there for your business to survive and grow. To do this, you will need to work out some rough numbers on your market size. Key questions to ask of your business:
How many customers do you need to be profitable?
For your product or service, you first need to work out roughly how many transactions you will need to make a profit, and how many customers you will need to generate those transactions. For example, for a cleaning business, maybe you need 100 cleaning jobs a month to be profitable, but if customers will be weekly, then you need a minimum of 25, and then a few more to allow for churn.
Are there enough potential customers?
Do a rough pen portrait of the type of customer who is likely to be interested in your offering, including elements like their work, age, gender and income. Then look at Statistics Jersey or go to the Jersey Library to get a feel for some numbers.

For example, if you are setting up a cleaning business, you'd check if it's realistic to find enough customers who need and can afford a cleaner. Or, if you are creating a product or service for new born babies and you know you need to sell thousands before you are profitable, it is handy to know how many babies are born in Jersey each year. If, realistically you would only convert a small percentage of these, you might need to widen your market across the UK or internationally to be able to sell the volume you need to.
Does this market exist just now?
If you can easily identify direct competitors, then it will be obvious there is an existing market and you can undertake competitor analysis to identify how to stand out. Remember, if there are many competitors, then the market could be saturated, and you will need to stand out enough to encourage customers to switch to you instead.

Sense check - do people want your product or service?

If you're confident you could have a market, it's sensible to speak to potential customers to see if your offering could be a good fit and to get other ideas about how to sell it. It's almost guaranteed that a few well planned conversations or surveys will give you fresh insights! You should cover the following areas:

What do your customers actually want or need?

Does your proposed product or service meet that need for them?

If so, what are the features and benefits of your offering that they like the most and why?

How do they want to buy? Online or in person? On certain days or times?

Before you start, make sure you can communicate your proposed offering in a concise way people can instantly understand (in other words an elevator pitch). This is never easy but always worth the effort.

Who to ask?

This is another hard step for many businesses, but push on - if you can't find people to ask about your business, then you won't be able to find people to buy from you!

Ask friends and family, and ask them to put you in touch with anyone they know who fits your target audience.

Post on all of your personal social media accounts asking for feedback.

If you ask in the right way, most people are flattered to be asked for their opinion so will often happily participate with no other incentive. You'll often find that after 10 to 20 conversations you will have flushed out most of the insights you need to help you shape your offering.

How to ask

Direct: If you have permission, then phone, private message or email contacts to ask them their opinion.

Surveys: Survey Monkey or Google Forms, can be linked to from social platforms or in an email. Include some open ended questions (with room for comments) and these could help you gather insights and ideas you may not have thought to ask about.

Social media polls: Facebook or Twitter polls work well if you are testing preferences for a couple of options - e.g. would customers prefer to collect their order or have it delivered, or would more people prefer the t-shirt design in blue or red.

Will customers actually buy your product or service?

Surveys are good but take survey responses with a pinch of salt. Speaking to people and carrying out surveys adds real value, however it can't be completely relied on when making business decisions because people sometimes don't actually do what they say they will do. So, you might also use insights gained from low-risk tests of the idea rather than heading straight to a launch.

The good news is that to test your business idea, you don't need a stunning online shop listing hundreds of products, or to go to market with a whole suite of services. Instead, simplify and prioritise and use your research to narrow down a few things to test first, to help you focus. For example:

Online shop. Start with a handful of the top products you think people will be most likely to buy. This gives you the opportunity to test some basic advertising, web design, fulfilment and delivery and see if there are any issues before increasing your product range or switching to something else.

New product. Try a limited number of designs, sizes or versions initially, informed by your research.

Services. If you are launching a new service, consider focusing on a small number of key services to start, and even consider taking on a small number of clients initially, to test your pricing against how long the job actually takes. If you are delivering online, there are many different platforms to use so shortlist them and test your delivery. For example, if you are delivering training courses, before creating a whole end-to-end series or selling tickets for a huge one-off event you can test the format with a short session for a small group. Similarly, if you are delivering in person, create one course to start with and test the market to see how people respond to the subject matter, the depth, the visuals. Once you have feedback on the first one, you can develop more courses to be in line with your findings.

Identify low cost options

Consider what you will need to spend money on to deliver your product or service and then see how you can find low cost solutions as you test and launch your business. Unless you really need to, resist committing to big, ongoing costs at the start and instead see how you can start small and then grow.

If you need premises or equipment that requires up-front financial commitments, get advice to make sure you are getting as much flexibility and value for money as possible.

Work out your likely cash-flow

As you start your business, you need to understand what money you will make and what you will need to spend each month. It's important to do a Cashflow forecast so you can see what this pattern is likely to be and when you need the money to be available. Doing this will help you work out if your business will have enough income at the right time to allow you to pay your bills and to pay yourself too. If it the cashflow tells you that your business will run out of money you need to think if you have other sources of income or even whether you should start the business at all.

# data[].attributes.attachment_link.description
Congratulations! You're thinking of starting up your business in Jersey which is the first step in turning a good idea into a commercial opportunity.

# data[].attributes.body
Start up a business: step by step guide (gov.je)

# data[].attributes.headline
Digital Jersey - Jersey for Start-ups & Entrepreneurs

# data[].attributes.subject
Digital Jersey - Jersey for Start-ups & Entrepreneurs

# data[].attributes.body
Start-ups & Entrepreneurs | Digital Jersey

# data[].attributes.attachment_link.readable_text
A New Home For Your Business

We know how stressful it can be to start a new business this is why Digital Jersey will provide dedicated support throughout your relocation and beyond. From housing and schools, to staffing and networking, our teams are connected to the right people at the right time and have a 'make it easy' approach to welcoming you to our island home.

We're in the same time zone as London, we use a major global currency (GBP) and we speak English. Those business advantages sit in an environment that feels distinctly different, with our golden beaches and bays, tranquil leafy lanes, rich culture and history, and love of dining and entertaining.

# data[].attributes.attachment_link.title
Start-ups & Entrepreneurs | Digital Jersey

# data[].attributes.attachment_link.description
In an island where a 3,000-strong digital community champions that entrepreneurial spirit, you'll be right at home with your start-up in Jersey.

# data[].attributes.headline
Government of Jersey - Family Food and Fitness programme

# data[].attributes.subject
Government of Jersey - Family Food and Fitness programme

# data[].attributes.body
Family Food and Fitness (gov.je)

# data[].attributes.body
Children's Right2Food | Food Foundation

# data[].attributes.attachment_link.readable_text
Gianna is on Free School Meals and studies nutrition at school, so is passionate about making sure all children both get enough food and that it is good quality. Gianna believes any remaining credit on Free School Meal cards should be rolled over and accumulated so children have more opportunity buy the more expensive, healthier options at the school canteen.

# data[].attributes.attachment_link.description
Gianna is on Free School Meals and studies nutrition at school, so is passionate about making sure all children both get enough food and that it is good quality. Gianna believes any remaining credit on Free School Meal cards should be rolled over and accumulated so children have more opportunity buy the more expensive, healthier options at the school canteen.

# data[].attributes.headline
Protecting Children’s Right to a Healthy Food Environment

# data[].attributes.subject
Protecting Children’s Right to a Healthy Food Environment

# data[].attributes.body
Protecting-Childrens-Right-Healthy-Food-Environment.pdf (unicef.org)

# data[].attributes.body
idjerseyhighwaycodepdf20090923clem.pdf (gov.je)

# data[].attributes.body
Training, Employment and Volunteering - Search Results | Jersey Online Directory (jod.je)

# data[].attributes.attachment_link.readable_text
We're here for you. Dyslexia Jersey aims to promote awarness and understanding of dyslexia amongst professionals, parents, employers and the public in general. Identifying dyslexia What is Dyslexia? The word 'dyslexia' comes from the Greek meaning 'difficulty with words' and is a difference in the...

# data[].attributes.attachment_link.description
We're here for you. Dyslexia Jersey aims to promote awarness and understanding of dyslexia amongst professionals, parents, employers and the public in general. Identifying dyslexia What is Dyslexia? The word 'dyslexia' comes from the Greek meaning 'difficulty with words' and is a difference in the...

# data[].attributes.body
BSK Academy – Beresford Street Kitchen

# data[].attributes.attachment_link.readable_text
BSK Academy

BSK Academy is a centre for lifelong learning for adults with learning disabilities and/or autism.

We believe that people have the right to access learning and development at any age. We deliver this through a holistic programme of support that focuses on education and workplace training for all crew and employment progression where appropriate.

Training Programmes

Discover programme - A highly supported 12-week induction programme

Ignite programme - Weekly workplace training sessions in one of our social enterprises as well as attending one classroom session a week.

Launch Programme - A 2-year fixed term contract in one of the social enterprises with external work placements and a weekly classroom session before being supported into other employment.

Learning for Life Programme

All courses are a mix of accredited and non-accredited training.

The Base course - focus on developing independence skills,

The Take Off course - builds on independence skills and introduces employability skills

The Flight Course - reinforces pre-existing independence and employability skills while introducing skills for preparing to find employment.

Academy Leaflet
Academy Application Form

We are proud owners of a co-op no - 377180. Next time you shop at the Coop, use our share number and help raise funds for BSK

# data[].attributes.attachment_link.description
BSK Academy BSK Academy is a centre for lifelong learning for adults with learning disabilities and/or autism. We believe that people have the right to access learning and development at any age. We deliver this through a holistic programme of support that focuses on education and workplace training for all crew and employment progression where appropriate.

# data[].attributes.body
Benefits Advice | Jersey Online Directory (jod.je)

# data[].attributes.attachment_link.readable_text
Income Support is an income-related benefit that provides financial support towards the costs of living, housing, medical needs and childcare. Carers can also receive support.
Income Support units
An Income Support unit (IS unit) can be any of the following:

one person living alone

a couple (married or unmarried)

a family living together at the same address with children under school leaving age or still in full time education

Who can apply for Income Support?
You can apply for Income Support if you meet the two following requirements:
1. Residency requirement
From 1 August 2012, the Income Support Law has changed. From this date, each adult who applies to be included on an Income Support claim will need to pass the Income Support Residence Test in order to receive some of the Income Support components.

Income Support residence test
2. Work requirement
If you are of working age you are expected to work full time (at least 35 hours per week) or be exempt from full-time work. If you are exempt from full-time work you may be expected to work part-time hours depending on your individual circumstances.

If you do not do enough to look for work your benefit may be cut. Looking for work includes participating in training or work experience that has been arranged for you, attending interviews and taking up any suitable work that is offered to you. Your ability to claim will be affected if you leave work without good reason.
If I have returned to Jersey after a period away, can I still claim?
If you have lived in Jersey for 10 consecutive years (or more), left the Island and then returned, you can apply to claim Income Support immediately.

If you have lived in Jersey for less than 10 years (but more than five) and then moved away you will need to be back in the Island for the same length of time that you were away before you can apply for Income Support.

For example: if you live in Jersey for five years, then leave the Island and spend two years living in France, on your return to Jersey you need to be resident for two years before you can claim Income Support.
What is a jobseeker?
Jobseekers are adults who are claiming Income Support and are currently out of work. To get the full amount of Income Support that you are entitled to, you must try and find work (this includes people who are expected to take up part-time work).

You must meet with our advisors in the Work Zone on a regular basis and prove that you are actively seeking work. They will help you with your job search.

If you do not do enough to look for work, your benefit may be cut. If you repeatedly ignore written warnings about your behaviour, all payments to your household will eventually be stopped. Income Support sanctions for people who give up work or who don't do enough to look for work
How much is the Income Support benefit?
The amount of Income Support you may get varies according to your circumstances. Some factors that can affect how much you'll get include:

your age

if you live alone or as a couple

number of dependants you have living with you

age and income of non-dependants living with you

disability - including disability of dependants

if you're caring for someone

any earnings or savings you or your partner have

Income Support rates How do I make a claim?
If you want to make a claim for Income Support you should contact us at the Social Security Department.

When you make a claim you will be interviewed by an Income Support adviser. You will need to bring proof with you to confirm your circumstances (for example, birth certificates, rent book, payslips, bank statements).

If you have a medical condition, you will be asked to complete a separate self-reporting form.

Please note: if you are in urgent need of assistance, it may be possible for us to provide you with an emergency payment.
Can I appeal if I am unhappy with the decision?
If you do not agree with the decision made about your Income Support claim, then you can ask for the claim to be reviewed by another adviser. If you are still unhappy with the decision following a review of your claim you may ask for an appeal to be heard by an independent Appeals Tribunal.

If you think a Social Security decision is wrong
Additional support
Cold weather payments

Cold weather payments will be made between November and May if the temperature drops below a certain level. The value of the payment depends on the temperature in the previous month.

The payment is made to any household receiving Income Support that also includes:

someone over 65 years old

a child under the age of three

someone with a significant disability, who also receives level three of the personal care element

The payments are made automatically and there is no need to apply for them separately. They are paid in the same way as regular Income Support payments. For most people this is directly into their bank account.

Food Costs Bonus

Special payments
As well as providing a weekly benefit, Income Support provides one-off payments for a variety of circumstances and to cope with emergencies such as urgent medical, dental or optical treatment.

Special payments
Exceptional payments
The Social Security Minister has the power to make exceptional payments to anyone in Jersey who faces a difficult situation and needs financial help. These payments fall outside the main framework of Income Support

# data[].attributes.attachment_link.description
Income Support is an income-related benefit that provides financial support towards the costs of living, housing, medical needs and childcare. Carers can also receive support. Income Support units An Income Support unit (IS unit) can be any of the following: one person living alone a couple (married or unmarried) a family living together at the same address with children under school leaving age or still in full time education Who can apply for Income Support?

# data[].attributes.body
https://www.consumercouncil.je/budget

# data[].attributes.attachment_link.description
The Jersey Consumer Council promotes a culture of transparency so that Islanders can understand consumer issues better and make informed decisions.

# data[].attributes.body
Money & budgeting skills lesson plan | Barclays LifeSkills

# data[].attributes.attachment_link.title
Money & budgeting skills lesson plan | Barclays LifeSkills

# data[].attributes.attachment_link.description
Budgeting and managing money is an important skill. Help students to prepare by downloading LifeSkills interactive money game that teaches them how to budget.

# data[].attributes.body
Types of Bank Accounts | Financial Lesson Plan | LifeSkills (barclayslifeskills.com)

# data[].attributes.attachment_link.readable_text
Your cookie preferences

In order to provide you with the best possible experience on the LifeSkills website we use cookies and similar technology to collect data from your device and browser while you are here. Collecting this data helps us to personalise content for you, understand how you use the website, allow access to social media features and deliver personalised service and advert message content. You can find out more in our Cookie Policy. Please select 'Accept all' to consent to us collecting your data in this way. To see other data collection options, select 'Manage data preferences'.

Your cookie preferences

The types of similar technologies used in this website fall into one of four categories - Strictly Necessary, Performance, Functionality & Profile and Targeting. You can find out more information in our Cookie Policy.

Please indicate the categories you wish to consent to by selecting 'Manage data preferences' and using the sliders below and then click "Save preferences" to retain your preferences for future visits. You can change these preferences at any time by clicking Cookie Policy on our website.

# data[].attributes.attachment_link.title
Types of Bank Accounts | Financial Lesson Plan | LifeSkills

# data[].attributes.attachment_link.description
Your cookie preferences In order to provide you with the best possible experience on the LifeSkills website we use cookies and similar technology to collect data from your device and browser while you are here. Collecting this data helps us to personalise content for you, understand how you use the website, allow access to social media features and deliver personalised service and advert message content.

# data[].attributes.body
Value for money & budgeting lesson plan | Barclays LifeSkills

# data[].attributes.attachment_link.readable_text
A key step in cementing good money habits for your student's future is helping them gain a better understanding of value for money and how to budget and plan for the future. The activities on this page allow students to develop these skills in a variety of ways, whether you're looking for short activities or something more in-depth:

Teaching resources:

Value for money: Lesson plan and presentation slides -full lesson plan for use with a group of students in the classroom

Money role models and pressures: Video transcripts - you can use these transcripts if you are unable to view the videos within the lesson plan

Saving money and budgeting: Interactive worksheet - activity for independent learning whether remote or in class

Lesson plan

(60 to 90 minutes)

This lesson is designed to help students understand how to budget and plan for the future, and encourage them to consider value for money. This is lesson two of four focusing on Money Skills for young people aged 11-14.
Lesson learning outcomes
By the end of the lesson students will be able to:

Understand the difference between income and expenditure

Complete and critique a sample personal budget

To ensure that the lesson plan and student-facing interactive PDF work together smoothly, please make sure you download and save the lesson plan and presentation slides into the same folder on your computer.

Interactive worksheet

(15 to 20 minutes)
Please note that students below the age of 14 cannot sign up for their own LifeSkills account. Any independent tasks must be printed or downloaded and provided digitally for them to complete as they are currently hosted on educator pages.
Students can use the Saving money and budgeting interactive worksheet to understand how to create a budget that tracks their own incomings and outgoings and identify their spending and saving habits.

The worksheet contains some of the themes from the full lesson and can be printed or completed digitally. You may like to assign this activity:

As homework following the Value for money lesson

For independent study

For remote learning

Further support for developing students' money skills

There are three more Money skills lessons for this age group that complement the learning here by helping students recognise their money personality, taking the next steps in their financial journey and learning about fraud and dealing with financial dilemmas.

Why not include financial capability as a focus in your students' wider curriculum? Refer to our Content guide to find out how LifeSkills resources can be used in PSHE or Maths lessons.

Enhance your students' knowledge of the topic further by heading to BBC Teach and watching film case studies of young people's experience of budgeting, saving, debt and understanding credit.

If you want to increase your own confidence to teach young people about money, Young Money provide free e-learning training to teachers across Primary and Secondary education. In addition, National Numeracy has a free website which helps you practise and refresh your everyday maths skills.

# data[].attributes.attachment_link.title
Value for money & budgeting lesson plan | Barclays LifeSkills

# data[].attributes.attachment_link.description
A key step in cementing good money habits for your student's future is helping them gain a better understanding of value for money and how to budget and plan for the future.

# data[].attributes.body
Understanding payslips lesson plan | Barclays LifeSkills

# data[].attributes.attachment_link.title
Understanding payslips lesson plan | Barclays LifeSkills

# data[].attributes.attachment_link.description
Help students to understand payslips and employee benefits so that they are prepared for the world of work with this teacher developed LifeSkills lesson plan.

# data[].attributes.body
Money Management & Budgeting | Lesson Plan | LifeSkills (barclayslifeskills.com)

# data[].attributes.attachment_link.readable_text
Your cookie preferences

In order to provide you with the best possible experience on the LifeSkills website we use cookies and similar technology to collect data from your device and browser while you are here. Collecting this data helps us to personalise content for you, understand how you use the website, allow access to social media features and deliver personalised service and advert message content. You can find out more in our Cookie Policy. Please select 'Accept all' to consent to us collecting your data in this way. To see other data collection options, select 'Manage data preferences'.

Your cookie preferences

The types of similar technologies used in this website fall into one of four categories - Strictly Necessary, Performance, Functionality & Profile and Targeting. You can find out more information in our Cookie Policy.

Please indicate the categories you wish to consent to by selecting 'Manage data preferences' and using the sliders below and then click "Save preferences" to retain your preferences for future visits. You can change these preferences at any time by clicking Cookie Policy on our website.

# data[].attributes.attachment_link.title
Money Management & Budgeting | Lesson Plan | LifeSkills

# data[].attributes.attachment_link.description
Your cookie preferences In order to provide you with the best possible experience on the LifeSkills website we use cookies and similar technology to collect data from your device and browser while you are here. Collecting this data helps us to personalise content for you, understand how you use the website, allow access to social media features and deliver personalised service and advert message content.

# data[].attributes.body
Steps to Starting a Business | Lesson Plans | LifeSkills (barclayslifeskills.com)

# data[].attributes.attachment_link.title
Steps to Starting a Business | Lesson Plans | LifeSkills

# data[].attributes.attachment_link.description
Click LifeSkills to help students understand how to apply enterprise skills around setting up a business & the structure for taking forward a business idea.

# data[].attributes.body
CV Writing Lesson Plan | Barclays LifeSkills

# data[].attributes.attachment_link.readable_text
Your cookie preferences

In order to provide you with the best possible experience on the LifeSkills website we use cookies and similar technology to collect data from your device and browser while you are here. Collecting this data helps us to personalise content for you, understand how you use the website, allow access to social media features and deliver personalised service and advert message content. You can find out more in our Cookie Policy. Please select 'Accept all' to consent to us collecting your data in this way. To see other data collection options, select 'Manage data preferences'.

Your cookie preferences

The types of similar technologies used in this website fall into one of four categories - Strictly Necessary, Performance, Functionality & Profile and Targeting. You can find out more information in our Cookie Policy.

Please indicate the categories you wish to consent to by selecting 'Manage data preferences' and using the sliders below and then click "Save preferences" to retain your preferences for future visits. You can change these preferences at any time by clicking Cookie Policy on our website.

# data[].attributes.attachment_link.title
CV Writing Lesson Plan | Barclays LifeSkills

# data[].attributes.attachment_link.description
Your cookie preferences In order to provide you with the best possible experience on the LifeSkills website we use cookies and similar technology to collect data from your device and browser while you are here. Collecting this data helps us to personalise content for you, understand how you use the website, allow access to social media features and deliver personalised service and advert message content.

# data[].attributes.body
Interview Lesson Plan, Worksheet & Activities | Barclays LifeSkills

# data[].attributes.attachment_link.readable_text
Interviews can take place in a range of ways to suit different situations, such as by telephone or video, and might include questions as well as tasks. This full-length lesson plan and interactive worksheet can help students understand the different types of interviews, why they are used and how the STAR model can be used to craft answers to common interview questions while providing the detail employers will be looking for.

Teaching resources:

Interview skills: Lesson plan and presentation slides - full lesson plan for use with a group of students in the classroom

Adapting to different types of interview: Interactive worksheet - activity for independent learning whether remote or in class

Lesson plan

(30 - 120 minutes)

This lesson is designed to help young people understand why employers hold different types of interviews, and how to prepare and practise for an interview. Students will discuss different types of interviews they might come across, and the situations these interviews are most appropriate for. There are also tips on how to approach interviews using the STAR model when answering questions, and a chance to put this into practice through an interview role play.
How does LifeSkills support preparation for interviews?
Preparation is key to interview success, and this lesson includes an activity focusing on useful preparation tips and what they should and should not do in an interview. They will be introduced to the interactive Virtual Interview Practice tool, where they can do mock interviews and both practice and watch some model answers. The second activity also includes a group exercise where students discuss each stage of preparation including researching a company, deciding what to wear, and finding the interview location, before sharing advice with each other.
Lesson learning outcomes
By the end of the lesson, students will be able to:

Identify different types of interview, their purpose and ways to prepare

Apply the STAR method to answer some common interview questions

Receive constructive feedback on their performance and reflected on goals for improvement

Interactive worksheet

(15 - 20 minutes)

The Adapting to different types of interview independent worksheet explores similar themes to the parts of the lesson, also introduces to students the different types of interviews and why they might be used. Additionally, it gives them the opportunity to create their own answers to interview questions using the STAR model. You might choose to assign it:

As homework following the Interview skills lesson

For independent study

For remote learning

Boost interview technique with LifeSkills

Continue work on embedding students' skills for the future with a range of LifeSkills lessons, such as Communication and digital skills at work lesson and Online reputation in the workplace lesson and Communicating digitally in the world of work lesson. Our Content guide has more information on how LifeSkills resources can be used in PSHE, English lessons, and much more.

Why not try one of the related lessons below next? Or for more interview resources to use yourself or to share with teachers, young people, parents, or others, visit our interviews hub.

# data[].attributes.attachment_link.title
Interview Lesson Plan, Worksheet & Activities | Barclays LifeSkills

# data[].attributes.attachment_link.description
Prepare students for interviews with this free skills lesson plan, accompanying worksheet & activities.

# data[].attributes.body
Recognising skills for success in the workplace lesson (barclayslifeskills.com)

# data[].attributes.attachment_link.readable_text
There is a range of skills that are commonly looked for by employers such as communication, leadership, teamwork and resilience. The activities on this page support your students to identify why these skills are important, which ones they already possess and how they can demonstrate these on their CV or in an interview setting:

Teaching resources:

Recognising skills for success in the workplace: Lesson plan and presentation slidesfor use with a group of students in the classroom

Building skills: Facebook live film Short film in partnership with The Talent Foundry to start the lesson with an overview of the topic

Strategies for improving your skills: Quick-fire activity - 10 minute activity for a group of students in the classroom, can be used as an icebreaker for the lesson plan

LifeSkills skills tracker: a worksheet which can be used by students following the lesson plan to support reflection on what employability skills they may have used during each activity.

Lesson plan

(30-40 minutes)

This lesson is designed to help students identify a range of transferable skills, describe why they are important and explore how to demonstrate these in the workplace. The lesson activities focus on helping students research skills that employers are looking for, assessing their own skillsets and building the confidence to present evidence when applying for jobs.
By the end of the lesson students will be able to:

Identify a range of core transferable skills and why they are important

Reflect on the skills they have and the best way to develop these

Identify ways to demonstrate skills to employers in an interview scenario

How can you get the most out of this lesson?

Where possible enable students to try the Wheel of Strengths interactive tool in the lesson, when they are identifying their skills, interests and personality traits. Alternatively, students could do this after the lesson to discover how their personal strengths and attributes can be used to match them with jobs. The tool also enables students to see how more opportunities may become available to them if they increase their skill set, helping them to focus on their development areas.

Facebook live film

We partnered with education charity The Talent Foundry to create a Building skills short film to give students an overview of the difference between talents and skills, and why they are important for workplace success. This film has been adapted from a Facebook live session and can be used as a starter activity to introduce the topic to your class. It contains a short task that promotes students to evaluate their own skills.

Quick-fire activity

(10-20 minutes)

Showing students that they are continuously practising and improving their skills can help them identify the ones they already have, like teamwork or numeracy. But other skills like problem solving or proactivity can be harder to identify, which is where this activity can help.

Through a class discussion and supporting student sheet, the Strategies for improving your skills quick-fire activity focuses on helping young people to identify practical steps they can take to build their personal skills, while reviewing which skills are their strongest and which they need to improve on. The quick-fire activity can be used as a starter to the lesson, as an ice-breaker activity or at the end to allow students to put what they have learnt into action.

Further ways to get students workplace ready

There are other tools and resources that you may want to explore after completing this lesson. These include the ' Workplace challenge' interactive tool where students practise handling difficult work situations they may encounter. You might also complete the activities on Exploring personal strengths for employment which incorporate our interactive Wheel on strengths, showing young people which skills align to what job roles. Why not build success in the workplace as a focus into your wider curriculum? Refer to our Content guide to find out how LifeSkills resources can be used in PSHE, English lessons and much more.

# data[].attributes.attachment_link.title
Recognising skills for success in the workplace lesson

# data[].attributes.attachment_link.description
There is a range of skills that are commonly looked for by employers such as communication, leadership, teamwork and resilience.

# data[].attributes.body
Primary school exploring careers lesson plan & worksheet | Barclays LifeSkills