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      <title>Money Guiders  Conference 2024 - Do One Thing! by </title>
      <link>https://padlet.com/taracosta/moneyguidersconference2024</link>
      <description>Please add &#39;one thing&#39; you can do to take your help further and improve someone&#39;s financial wellbeing. In fact, you can make it more than one - the more ideas you have, the better!</description>
      <language>en-us</language>
      <pubDate>2024-10-14 16:05:26 UTC</pubDate>
      <lastBuildDate>2024-11-08 12:28:48 UTC</lastBuildDate>
      <webMaster>hello@padlet.com</webMaster>
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         <title>Money Guiders Conference 2024</title>
         <author>taracosta</author>
         <link>https://padlet.com/taracosta/moneyguidersconference2024/wish/3168563572</link>
         <description><![CDATA[]]></description>
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         <pubDate>2024-10-14 16:10:13 UTC</pubDate>
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      <item>
         <title>Help someone set up a budget plan</title>
         <author>taracosta</author>
         <link>https://padlet.com/taracosta/moneyguidersconference2024/wish/3168566310</link>
         <description><![CDATA[]]></description>
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         <pubDate>2024-10-14 16:12:04 UTC</pubDate>
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      <item>
         <title>Help someone to check their state pension</title>
         <author>taracosta</author>
         <link>https://padlet.com/taracosta/moneyguidersconference2024/wish/3168568048</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.gov.uk/check-state-pension" />
         <pubDate>2024-10-14 16:13:13 UTC</pubDate>
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      <item>
         <title>Help someone find free trustable debt advice</title>
         <author></author>
         <link>https://padlet.com/taracosta/moneyguidersconference2024/wish/3193188504</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.moneyhelper.org.uk/en/money-troubles/dealing-with-debt/use-our-debt-advice-locator" />
         <pubDate>2024-10-29 21:20:53 UTC</pubDate>
         <guid>https://padlet.com/taracosta/moneyguidersconference2024/wish/3193188504</guid>
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      <item>
         <title>Writing a will</title>
         <author></author>
         <link>https://padlet.com/taracosta/moneyguidersconference2024/wish/3204144039</link>
         <description><![CDATA[<p>My one thing for Talk Money Week - rewriting our wills and making guardianship arrangements for our son.</p>]]></description>
         <enclosure url="https://moneypensions-qa.adobecqms.net/en/family-and-care/death-and-bereavement/planning-what-to-leave-in-your-will" />
         <pubDate>2024-11-06 09:24:03 UTC</pubDate>
         <guid>https://padlet.com/taracosta/moneyguidersconference2024/wish/3204144039</guid>
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      <item>
         <title>Start a conversation</title>
         <author></author>
         <link>https://padlet.com/taracosta/moneyguidersconference2024/wish/3204148929</link>
         <description><![CDATA[<p>Put something in your social media to help people begin these conversations.  linked to the hashtag do one thing! </p><p>eg "It's tough at the moment isn't it? I don't know about you I'm struggling..." </p><p>PS I'm not great at social media but some of you will be!!</p>]]></description>
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         <pubDate>2024-11-06 09:27:36 UTC</pubDate>
         <guid>https://padlet.com/taracosta/moneyguidersconference2024/wish/3204148929</guid>
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      <item>
         <title>Pension Credit Calculator</title>
         <author></author>
         <link>https://padlet.com/taracosta/moneyguidersconference2024/wish/3204157586</link>
         <description><![CDATA[<p>I completed a Pension Credit Calculation on <a rel="noopener noreferrer nofollow" href="https://www.gov.uk/pension-credit-calculator">Pension Credit calculator - </a><a rel="noopener noreferrer nofollow" href="http://GOV.UK">GOV.UK</a> for a family friend and they qualified! </p>]]></description>
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         <pubDate>2024-11-06 09:35:05 UTC</pubDate>
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      <item>
         <title>Go on local radio or TV if brave!</title>
         <author></author>
         <link>https://padlet.com/taracosta/moneyguidersconference2024/wish/3204162933</link>
         <description><![CDATA[<p>We regularly get asked to speak on the local radio - I always try to offer one good tip last time it was a silly one "make yourself a drink and get comfortable before you phone the agency to make being on hold less difficult" Or "did you know a good friend can sit with you and help make these difficult calls as long as you agree..." You get the idea!!</p><p>The great thing these days is you can do the "interview" over the phone so less stressful for you!</p>]]></description>
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         <pubDate>2024-11-06 09:38:27 UTC</pubDate>
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      <item>
         <title>About the Training Fund   </title>
         <author></author>
         <link>https://padlet.com/taracosta/moneyguidersconference2024/wish/3204174118</link>
         <description><![CDATA[<p><strong>Frontline Network - About the Training Fund </strong><a rel="noopener noreferrer nofollow" href="https://frontlinenetwork.org.uk/training/training-fund/">Training Fund | St Martin in the Field (</a><a rel="noopener noreferrer nofollow" href="http://frontlinenetwork.org.uk">frontlinenetwork.org.uk</a><a rel="noopener noreferrer nofollow" href="https://frontlinenetwork.org.uk/training/training-fund/">)</a></p><p>If you are a frontline worker or team and have identified a training course or event that will help you in your current work with people experiencing homelessness, but your organisation is not able to fund it, we may be able to help. Individuals can apply for up to £500 to cover the cost of training or events and groups can apply for up to £1,500.&nbsp;</p><p>At the Frontline Network we are committed to listening to the voices of staff working directly with people experiencing homelessness, and to responding to the challenges being faced in the sector. The Training Fund exist to support frontline workers with people experiencing homelessness to access training and skills development opportunities, if their organisation is unable to fund them.</p><p><br/></p><p><strong>Please read our </strong><a rel="noopener" href="https://frontlinenetwork.org.uk/media/2956/external-tf-guidelines-jan-24.pdf"><strong>Training Fund Guidelines</strong></a><strong>&nbsp;before applying.</strong></p>]]></description>
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         <pubDate>2024-11-06 09:47:00 UTC</pubDate>
         <guid>https://padlet.com/taracosta/moneyguidersconference2024/wish/3204174118</guid>
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      <item>
         <title>Helping you understand, manage &amp; improve your mental health and money issues</title>
         <author></author>
         <link>https://padlet.com/taracosta/moneyguidersconference2024/wish/3204262889</link>
         <description><![CDATA[<p><strong>Clear, practical advice and support for people experiencing issues with mental health and money</strong></p>]]></description>
         <enclosure url="https://www.mentalhealthandmoneyadvice.org/" />
         <pubDate>2024-11-06 10:57:22 UTC</pubDate>
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      <item>
         <title>Money and Mental Health</title>
         <author></author>
         <link>https://padlet.com/taracosta/moneyguidersconference2024/wish/3204266350</link>
         <description><![CDATA[<p><strong>Money and Mental Health</strong></p><p>The Money and Mental Health project is a service offered by Kent Citizens Advice offices to help clients living with mental health issues, who need advice dealing with debt and other related issues.</p><p>Whilst the primary focus of the project is in helping with debt/money issues, the service we offer is holistic and where we identify other&nbsp;advice that might be needed, our project workers will make sure that appropriate help is given.&nbsp; This may involve, for example, giving advice on benefits, housing and employment issues.&nbsp; We are more limited in the advice we can give regarding family/relationship matters but may be able to sign-post clients to other organisations, which would be able to offer more specialist advice in this area.</p>]]></description>
         <enclosure url="https://citizensadvicenwk.org.uk/projects/money-and-mental-health/" />
         <pubDate>2024-11-06 11:00:08 UTC</pubDate>
         <guid>https://padlet.com/taracosta/moneyguidersconference2024/wish/3204266350</guid>
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         <title>Mind reveals mental health toll of cost-of-living crisis, with 2.7 million people considering suicide because of financial pressure</title>
         <author></author>
         <link>https://padlet.com/taracosta/moneyguidersconference2024/wish/3204270527</link>
         <description><![CDATA[<p>Research published by Mind today shows the full impact of the cost-of-living crisis on the nation’s mental health, with three in every 50 (6%) people in England and Wales saying they have considered ending their lives because of it.</p><p>Other findings include that one in five (20%) people report worsening depression because of the cost of living, and one in ten (10%) developing disordered eating as a result.</p><p><br/></p>]]></description>
         <enclosure url="https://www.mind.org.uk/news-campaigns/news/mind-reveals-mental-health-toll-of-cost-of-living-crisis-with-2-7-million-people-considering-suicide-because-of-financial-pressure/" />
         <pubDate>2024-11-06 11:03:29 UTC</pubDate>
         <guid>https://padlet.com/taracosta/moneyguidersconference2024/wish/3204270527</guid>
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      <item>
         <title>Encourage friends to talk</title>
         <author></author>
         <link>https://padlet.com/taracosta/moneyguidersconference2024/wish/3204271387</link>
         <description><![CDATA[<p>I've just done this - put a brief note in local news sheets  - in my case the church notice sheet to get people starting to talk about money - it is such an awkward subject for so many, hopefully they wont all be coming to see me!!</p>]]></description>
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         <pubDate>2024-11-06 11:04:06 UTC</pubDate>
         <guid>https://padlet.com/taracosta/moneyguidersconference2024/wish/3204271387</guid>
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      <item>
         <title>Money worries and mental health</title>
         <author></author>
         <link>https://padlet.com/taracosta/moneyguidersconference2024/wish/3204272149</link>
         <description><![CDATA[<p>Worrying about money can affect our mental wellbeing and our ability to manage money can be affected by a mental health issue. The two are often linked.</p><p>Increasing cost-of-living pressures can lead to more financial stress, so knowing ways to look after your mental health when dealing with money problems is more important than ever.</p><p>Find out how to look after your mental health when dealing with money issues, plus get money advice including where to get more support if needed.</p>]]></description>
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         <pubDate>2024-11-06 11:04:48 UTC</pubDate>
         <guid>https://padlet.com/taracosta/moneyguidersconference2024/wish/3204272149</guid>
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         <title>Ask your clients how much they spend on gambling - lottery, bingo, etc. Start that conversation. </title>
         <author></author>
         <link>https://padlet.com/taracosta/moneyguidersconference2024/wish/3204282615</link>
         <description><![CDATA[<p>When completing a financial statement or discuss a budget with your clients, ask them how much they spend on gambling - things like lottery, bingo, etc. Starting that conversation could reveal if some is impacted by harmful gambling. This could be their own or a loved one. </p><p><br/></p><p>If you identify someone who may need support about their own or someone else's gambling, you can signpost them to GamCare where they can speak to some and get gambling support and specialised money guidance. They can also access our Money Guidance toolkit and other online resources.</p>]]></description>
         <enclosure url="https://www.gamcare.org.uk/self-help/managing-your-money/" />
         <pubDate>2024-11-06 11:13:12 UTC</pubDate>
         <guid>https://padlet.com/taracosta/moneyguidersconference2024/wish/3204282615</guid>
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         <title>Illegal lending: loan sharks</title>
         <author></author>
         <link>https://padlet.com/taracosta/moneyguidersconference2024/wish/3204285202</link>
         <description><![CDATA[<p><strong>Reporting a loan shark</strong></p><p>If you’ve found out that a lender is a loan shark, you can report them anonymously. You can either call or make a report online if you’d prefer not to talk to someone:</p><ul><li><p>If you live in England, you can report them to the Stop Loan Sharks team by calling&nbsp;<a rel="noopener noreferrer nofollow">0300 555 2222</a>&nbsp;or visit&nbsp;<a rel="noopener noreferrer nofollow" href="https://www.stoploansharks.co.uk/">Stop Loan SharksOpens in a new window</a></p></li><li><p>If you live in Scotland, call the Scottish Illegal Money Lending Unit on&nbsp;<a rel="noopener noreferrer nofollow">0800 074 0878</a>&nbsp;or <a rel="noopener noreferrer nofollow" href="https://www.tsscot.co.uk/illegal-lending/report-a-loan-shark/">Trading Standards ScotlandOpens in a new window</a></p></li><li><p>If you live in Wales, call the Wales Illegal Money Lending Unit on&nbsp;<a rel="noopener noreferrer nofollow">0300 123 3311</a>&nbsp;or visit <a rel="noopener noreferrer nofollow" href="https://stoploansharkswales.co.uk/">Stop Loan Sharks WalesOpens in a new windowStop Loan Sharks WalesOpens in a new window</a></p></li><li><p>If you live in&nbsp;Northern Ireland, call the Trading Standards Consumerline on&nbsp;<a rel="noopener noreferrer nofollow">0300 123 6262</a>&nbsp;or <a rel="noopener noreferrer nofollow" href="https://www.nidirect.gov.uk/contacts/northern-ireland-trading-standards-service">visit nidirect</a><br></p></li></ul>]]></description>
         <enclosure url="https://www.moneyhelper.org.uk/en/everyday-money/credit/how-to-spot-a-loan-shark" />
         <pubDate>2024-11-06 11:15:19 UTC</pubDate>
         <guid>https://padlet.com/taracosta/moneyguidersconference2024/wish/3204285202</guid>
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      <item>
         <title>&#39;Make the Call&#39; [Northern Ireland] </title>
         <author></author>
         <link>https://padlet.com/taracosta/moneyguidersconference2024/wish/3204287450</link>
         <description><![CDATA[<p>To make sure you're getting all the benefits, services and supports you're entitled to, make the call(network charges may apply)<a rel="noreferrer" class="value">0800 232 1271</a></p><p><strong>Contact the Make the Call team</strong></p><p>You can check if you’re getting all the money, supports and services you’re entitled to by contacting the Make the Call team.</p><p>Make the call will carry out a needs assessment based on your personal circumstances and look at what benefits, supports and services that may be available to you.<br>If you are considering a move to Universal Credit from another benefit, you should seek independent advice before making your claim.<br><a rel="noopener noreferrer nofollow" href="https://www.nidirect.gov.uk/services/benefits-calculator">You can also use a benefit calculator</a></p>]]></description>
         <enclosure url="https://www.nidirect.gov.uk/campaigns/unclaimed-benefits" />
         <pubDate>2024-11-06 11:17:33 UTC</pubDate>
         <guid>https://padlet.com/taracosta/moneyguidersconference2024/wish/3204287450</guid>
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         <title>MoneyHelper Benefits calculator </title>
         <author></author>
         <link>https://padlet.com/taracosta/moneyguidersconference2024/wish/3204289564</link>
         <description><![CDATA[<p><strong>Why you should use this calculator</strong></p><ul><li><p>Quickly see if you could claim extra regular payments, like Universal Credit and Child Benefit.</p></li><li><p>See if you qualify for other help and grants, like free school meals and money towards your heating bills.</p></li><li><p>Check what support you can get if your circumstances have changed.</p></li></ul>]]></description>
         <enclosure url="https://www.moneyhelper.org.uk/en/benefits/benefits-calculator" />
         <pubDate>2024-11-06 11:19:27 UTC</pubDate>
         <guid>https://padlet.com/taracosta/moneyguidersconference2024/wish/3204289564</guid>
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         <title>Talk Learn Do</title>
         <author></author>
         <link>https://padlet.com/taracosta/moneyguidersconference2024/wish/3204310670</link>
         <description><![CDATA[<p>Teaching children about money when they’re young helps them develop the skills they’ll need as adults. ‘Talk Learn Do’ is a free resource to support parents and carers:</p>]]></description>
         <enclosure url="https://www.moneyhelper.org.uk/en/family-and-care/talk-money/talk-learn-do" />
         <pubDate>2024-11-06 11:36:41 UTC</pubDate>
         <guid>https://padlet.com/taracosta/moneyguidersconference2024/wish/3204310670</guid>
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         <title>Buy Now Pay Later</title>
         <author></author>
         <link>https://padlet.com/taracosta/moneyguidersconference2024/wish/3204317652</link>
         <description><![CDATA[<p>If you’re buying online, paying in a shop or even ordering a takeaway, Buy Now Pay Later (BNPL) can seem like a quick and easy way to pay. But BNPL is a form of borrowing so you need to think carefully before using it, especially if you’re spending more than you can afford to pay back</p><p><a rel="noopener noreferrer nofollow" href="https://www.moneyhelper.org.uk/en/everyday-money/credit/what-are-buy-now-pay-later-purchases">https://www.moneyhelper.org.uk/en/everyday-money/credit/what-are-buy-now-pay-later-purchases</a></p>]]></description>
         <enclosure url="https://www.moneyhelper.org.uk/en/everyday-money/credit/what-are-buy-now-pay-later-purchases" />
         <pubDate>2024-11-06 11:41:59 UTC</pubDate>
         <guid>https://padlet.com/taracosta/moneyguidersconference2024/wish/3204317652</guid>
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         <title></title>
         <author></author>
         <link>https://padlet.com/taracosta/moneyguidersconference2024/wish/3204327160</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.warmwales.org.uk/" />
         <pubDate>2024-11-06 11:49:42 UTC</pubDate>
         <guid>https://padlet.com/taracosta/moneyguidersconference2024/wish/3204327160</guid>
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         <title></title>
         <author></author>
         <link>https://padlet.com/taracosta/moneyguidersconference2024/wish/3204329429</link>
         <description><![CDATA[<p>Positive behaviour change with energy savings to help financial expenditure </p>]]></description>
         <enclosure url="https://www.warmwales.org.uk/top-5-energy-saving-tips/" />
         <pubDate>2024-11-06 11:51:33 UTC</pubDate>
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         <title>Irish League Of Credit Unions</title>
         <author></author>
         <link>https://padlet.com/taracosta/moneyguidersconference2024/wish/3204338183</link>
         <description><![CDATA[<p>Credit unions offer a wide range of services and products to cater for their members needs, including affordable loans, secure savings, and insurance services.</p><p><br/></p>]]></description>
         <enclosure url="https://www.creditunion.ie/" />
         <pubDate>2024-11-06 11:58:35 UTC</pubDate>
         <guid>https://padlet.com/taracosta/moneyguidersconference2024/wish/3204338183</guid>
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         <title>Start with the Money Guidance Competency Framework</title>
         <author></author>
         <link>https://padlet.com/taracosta/moneyguidersconference2024/wish/3204340237</link>
         <description><![CDATA[<p>Our framework is for anyone, or any organisation, giving any type of money guidance. All in one place, it’ll help you think clearly about what you’re offering, and feel confident, safe and proud that you’re giving the right money guidance. Get going by watching the video, then explore the framework below.</p>]]></description>
         <enclosure url="https://maps.org.uk/en/our-work/money-guiders/competency-framework" />
         <pubDate>2024-11-06 12:00:44 UTC</pubDate>
         <guid>https://padlet.com/taracosta/moneyguidersconference2024/wish/3204340237</guid>
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         <title>SAVING GENERATION Z - How 16-27 Year Olds Save and Spend</title>
         <author></author>
         <link>https://padlet.com/taracosta/moneyguidersconference2024/wish/3204363665</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.ybs.co.uk/documents/100493/229802/Saving%20Generation%20Z%20-%20how%2016-27%20year%20olds%20spend%20and%20save.pdf/2a7e3622-7efa-5cac-16f2-7a69423d42ae?t=1723620988339" />
         <pubDate>2024-11-06 12:20:37 UTC</pubDate>
         <guid>https://padlet.com/taracosta/moneyguidersconference2024/wish/3204363665</guid>
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         <title>All Our Health: personalised care and population health</title>
         <author></author>
         <link>https://padlet.com/taracosta/moneyguidersconference2024/wish/3204368001</link>
         <description><![CDATA[<p>A development programme of educational resources on critical public health topics for people who work in the health and care sector and the extended public health workforce.</p>]]></description>
         <enclosure url="https://www.gov.uk/government/collections/all-our-health-personalised-care-and-population-health" />
         <pubDate>2024-11-06 12:24:19 UTC</pubDate>
         <guid>https://padlet.com/taracosta/moneyguidersconference2024/wish/3204368001</guid>
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         <title>Take part in our free Money Course</title>
         <author></author>
         <link>https://padlet.com/taracosta/moneyguidersconference2024/wish/3206549840</link>
         <description><![CDATA[<p>Crosslight Advice runs a free Money Course which all are welcome to take part in - you can join a live online course (via Zoom) or work through the self-led version at your own pace (or come along to an in-person session if you live in West London or Kent!).</p><p><br/></p><p>We also run other free Money Skills workshops such as our Cost of Living Toolkit, as well as workshops for professionals and practitioners who want to feel more confident in supporting others with managing their finances.  </p>]]></description>
         <enclosure url="https://www.themoneycourse.org" />
         <pubDate>2024-11-07 14:24:46 UTC</pubDate>
         <guid>https://padlet.com/taracosta/moneyguidersconference2024/wish/3206549840</guid>
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         <title>Sharing the new that help is available </title>
         <author></author>
         <link>https://padlet.com/taracosta/moneyguidersconference2024/wish/3208202375</link>
         <description><![CDATA[<p>We are all great at what we do but in many cases we skim the surface, I intend to continue to make people in my area understand that it's ok to ask for help as there is more than they know is available and to be non partisan so I give other services details out too as it build rapport and trust for those who believe they have been left behind.</p>]]></description>
         <enclosure url="" />
         <pubDate>2024-11-08 12:28:47 UTC</pubDate>
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