{"activityType":[{"id":38377,"name":"Practical skills"}],"activityCategory":"Activity","completionTime":"60","cost":"\u00A3","energy":"Focusing","equipmentList":[{"id":38295,"name":"Pens or pencils","description":"","type":"general"},{"id":38356,"name":"A4 paper","description":"","type":"general"},{"id":38289,"name":"Calculator or phone","description":"","type":"general"},{"id":38273,"name":"Access to the internet","description":"","type":"general"},{"id":0,"name":null,"description":"Printed copies of the scenarios for each group","type":"specific"},{"id":0,"name":null,"description":"Budgeting sheets (optional)","type":"specific"}],"adjustments":"","firstProvidedBy":"","flexibilityStatement":"","groupSize":"Teams","guide":null,"meetsRequirements":[{"notes":"\u003Cp\u003EWhether it\u2019s budgeting for a holiday, saving for your dream car or creating a savings plan, use your thinking to find smart, practical solutions to real-life money problems.\u0026nbsp;\u003C/p\u003E","subRequirementsToQualify":0,"numberOfTimeToComplete":0,"subRequirements":null,"tips":null,"optional":false,"id":85965,"nodeName":null,"title":null,"type":"","image":null,"assets":null,"headerOptions":null,"searchDescription":null,"subHeader":null,"browserTitle":null,"silktide":null,"canonicalUrl":null},{"notes":"\u003Cp\u003EWhether it\u2019s budgeting for a holiday, saving for your dream car or creating a savings plan, use your thinking to find smart, practical solutions to real-life money problems.\u0026nbsp;\u003C/p\u003E","subRequirementsToQualify":0,"numberOfTimeToComplete":0,"subRequirements":null,"tips":null,"optional":true,"id":89898,"nodeName":null,"title":null,"type":"","image":null,"assets":null,"headerOptions":null,"searchDescription":null,"subHeader":null,"browserTitle":null,"silktide":null,"canonicalUrl":null}],"countsTowardsBadges":[{"title":"Money Skills (old)","sections":["Explorers"],"supportedBy":{"title":"HSBC UK","logo":{"url":"/media/13886/hsbc-uk.png?cc=0.036000910182936156,0,0.15397861070100011,0.0000000000000005614164825759\u0026width=800\u0026height=450\u0026v=1db822029340140","caption":"HSBC UK","type":"png","size":16071,"width":350,"height":350,"altText":"The HSBC UK logo set inside a white circle."},"content":{"layouts":[{"type":"sidebar","areas":[{"items":[{"gridType":"RichTextBlock","content":"\u003Cp class=\u0022rte-justify\u0022\u003EAs Scouts, we\u2019re used to dealing with money. We fundraise for charities, budget for camps, and raise money for jamborees as part of everything we do to build skills for life. Back by popular demand, we\u0027ve now expanded our Successful Money Skills programme for Beavers and Cubs by developing badges for Scouts and Explorers too. The activities focus on fun, active ways for young people to build their confidence and understanding around financial literacy.\u003Cbr\u003E\u0026nbsp;\u003Cbr\u003EThis isn\u2019t a new idea. Between 1916 and 1925, Scouts could earn the Thriftyman Proficiency Badge, which was all about the importance of practising saving from a young age. Today, we\u2019re taking it a little further. 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That\u2019s why we worked with HSBC UK to design these badges for Beavers and Cubs. After three years of success, awarding over 200,000 Money Skills badges to our younger sections, the time has come for us to extend this opportunity to our Scouts and Explorers too!\u003C/p\u003E\n\u003Cp\u003EThe badges aren\u2019t about maths or teaching young people what they should and shouldn\u2019t do with their money. They build on young people\u2019s decision-making skills, help them learn about the things that might influence their choices, and introduce some different cultural practices around money. 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experiences\u003Cspan\u003E)\u003C/span\u003E\u003Cspan\u003E \u2013\u00A0and we learned a lot.\u003C/span\u003E\u003C/p\u003E\n\u003Cp class=\u0022rte-justify\u0022\u003EOf course, our priority was to make sure \u003Cspan\u003Ethe badges:\u003C/span\u003E\u003C/p\u003E\n\u003Cul\u003E\n\u003Cli class=\u0022rte-justify\u0022\u003Epromote learning by doing,\u003C/li\u003E\n\u003Cli class=\u0022rte-justify\u0022\u003Erelate to Scout experiences,\u003C/li\u003E\n\u003Cli class=\u0022rte-justify\u0022\u003Eand are as fun and active as possible.\u003C/li\u003E\n\u003C/ul\u003E\n\u003Cp\u003EWe worked with our dedicated volunteers to design the badge requirements, \u003Cspan\u003Ethen\u003C/span\u003E tested them around the UK. \u003Cspan\u003EPeople\u2019s f\u003C/span\u003Eeedback told us what worked best, and we\u003Cspan\u003E le\u003C/span\u003E\u003Cspan\u003Earned where we\u003C/span\u003E needed to make \u003Cspan\u003Echanges \u003C/span\u003Eto \u003Cspan\u003Emake every activity\u003C/span\u003E accessible to young people from all backgrounds.\u003C/p\u003E\n\u003Cp\u003EThe requirements are designed to \u003Cspan\u003Egive\u003C/span\u003E young people \u003Cspan\u003Ethe chance to \u003C/span\u003Ereflect on what they \u003Cspan\u003Ealready \u003C/span\u003Eknow about money, use the decision-making skills they already have\u003Cspan\u003E,\u003C/span\u003E and apply \u003Cspan\u003Etheir skills\u003C/span\u003E to financial \u003Cspan\u003Esituations\u003C/span\u003E.\u003C/p\u003E","label":"Designing the badges"},{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp class=\u0022rte-justify\u0022\u003E\u003Cstrong\u003E\u003Cspan\u003EThrough our research, we found that:\u003C/span\u003E\u003C/strong\u003E\u003C/p\u003E\n\u003Cul class=\u0022rte-justify\u0022\u003E\n\u003Cli\u003EYoung people wanted to learn how money works, how to make \u003Cspan\u003Emoney\u003C/span\u003E, and how to raise \u003Cspan\u003Emoney\u003C/span\u003E 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Above all, they give young people to chance to get stuck in and practise handling money and making their own choices.\u003C/p\u003E\n\u003Cp\u003EThe new Money Skills Activity Badges are our opportunity to help young people prepare to deal with money, both at Scouts and in their personal lives.\u003C/p\u003E","label":"Why Money Skills matters to Scouts"},{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp class=\u0022rte-justify\u0022\u003E\u003Cspan\u003EWe knew that this bad\u003C/span\u003E\u003Cspan\u003Ege needed to be shaped by expert knowledge, including knowledge of what leaders, young people, and parents wanted from the badges. \u003C/span\u003EWe set up a working group of diverse volunteers from different religious background\u003Cspan\u003Es and \u003C/span\u003Elocations\u003Cspan\u003E (\u003C/span\u003E\u003Cspan\u003Eand \u003C/span\u003E\u003Cspan\u003Ewith\u003C/span\u003E different learning styles and experiences\u003Cspan\u003E)\u003C/span\u003E\u003Cspan\u003E \u2013\u00A0and we learned a lot.\u003C/span\u003E\u003C/p\u003E\n\u003Cp class=\u0022rte-justify\u0022\u003EOf course, our priority was to make sure \u003Cspan\u003Ethe badges:\u003C/span\u003E\u003C/p\u003E\n\u003Cul\u003E\n\u003Cli class=\u0022rte-justify\u0022\u003Epromote learning by doing,\u003C/li\u003E\n\u003Cli class=\u0022rte-justify\u0022\u003Erelate to Scout experiences,\u003C/li\u003E\n\u003Cli class=\u0022rte-justify\u0022\u003Eand are as fun and active as possible.\u003C/li\u003E\n\u003C/ul\u003E\n\u003Cp\u003EWe worked with our dedicated volunteers to design the badge requirements, \u003Cspan\u003Ethen\u003C/span\u003E tested them around the UK. \u003Cspan\u003EPeople\u2019s f\u003C/span\u003Eeedback told us what worked best, and we\u003Cspan\u003E le\u003C/span\u003E\u003Cspan\u003Earned where we\u003C/span\u003E needed to make \u003Cspan\u003Echanges \u003C/span\u003Eto \u003Cspan\u003Emake every activity\u003C/span\u003E accessible to young people from all backgrounds.\u003C/p\u003E\n\u003Cp\u003EThe requirements are designed to \u003Cspan\u003Egive\u003C/span\u003E young people \u003Cspan\u003Ethe chance to \u003C/span\u003Ereflect on what they \u003Cspan\u003Ealready \u003C/span\u003Eknow about money, use the decision-making skills they already have\u003Cspan\u003E,\u003C/span\u003E and apply \u003Cspan\u003Etheir skills\u003C/span\u003E to financial \u003Cspan\u003Esituations\u003C/span\u003E.\u003C/p\u003E","label":"Designing the badges"},{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp class=\u0022rte-justify\u0022\u003E\u003Cstrong\u003E\u003Cspan\u003EThrough our research, we found that:\u003C/span\u003E\u003C/strong\u003E\u003C/p\u003E\n\u003Cul class=\u0022rte-justify\u0022\u003E\n\u003Cli\u003EYoung people wanted to learn how money works, how to make \u003Cspan\u003Emoney\u003C/span\u003E, and how to raise \u003Cspan\u003Emoney\u003C/span\u003E for others\u003Cspan\u003E.\u003C/span\u003E\u003C/li\u003E\n\u003Cli\u003EYoung people and leaders wanted activities that \u003Cspan\u003Eg\u003C/span\u003E\u003Cspan\u003Ei\u003C/span\u003E\u003Cspan\u003Eve young people the chance to\u003C/span\u003E practise \u003Cspan\u003Eusing\u003C/span\u003E money in a safe way\u003Cspan\u003E.\u003C/span\u003E\u003C/li\u003E\n\u003Cli\u003ESome \u003Cspan\u003El\u003C/span\u003Eeaders gave us advice on how to respectfully \u003Cspan\u003Ereference\u003C/span\u003E their religious practices around money.\u003C/li\u003E\n\u003Cli\u003E\u003Cspan\u003ESome leaders \u003C/span\u003Etold us how to engage young people who struggle with maths by creating practical and creative activities.\u003C/li\u003E\n\u003Cli\u003EParents wanted to make sure activities are respectful of\u003Cspan\u003E people\u003C/span\u003E\u003Cspan\u003E\u2019s\u003C/span\u003E different financial backgrounds\u003Cspan\u003E.\u003C/span\u003E\u003C/li\u003E\n\u003C/ul\u003E\n\u003Cp class=\u0022rte-justify\u0022\u003EThere are \u003Cspan\u003Efour\u003C/span\u003E requirements for Beavers, \u003Cspan\u003Efive\u003C/span\u003E for Cubs, four for Scouts and five for Explorers.\u0026nbsp;\u003Cspan\u003EWe\u2019ve created\u003C/span\u003E at least two new, practical, fun activities for each requirement, which have been tested and enjoyed by \u003Cspan\u003Ereal\u0026nbsp;\u003C/span\u003Egroups.\u003C/p\u003E\n\u003Cp\u003EIn the next couple of years, \u003Cspan class=\u0022rte-justify\u0022\u003Ewe\u2019ll release \u003C/span\u003Emore activities\u003Cspan class=\u0022rte-justify\u0022\u003E. \u003C/span\u003E\u003Cspan class=\u0022rte-justify\u0022\u003EDuring our testing,\u003C/span\u003E some \u003Cspan class=\u0022rte-justify\u0022\u003El\u003C/span\u003Eeaders invented their own activities \u003Cspan class=\u0022rte-justify\u0022\u003E\u2013\u0026nbsp;they\u003C/span\u003E blew us away with their creativity, so we\u003Cspan class=\u0022rte-justify\u0022\u003E\u2019\u003C/span\u003Ell be working with them later on in the project to include the\u003Cspan class=\u0022rte-justify\u0022\u003Eir\u003C/span\u003E\u003Cspan class=\u0022rte-justify\u0022\u003E ideas\u003C/span\u003E too\u003Cspan class=\u0022rte-justify\u0022\u003E.\u003C/span\u003E\u003C/p\u003E","label":"What you told us"}]},{"gridType":"RichTextBlock","content":"\u003Ch3\u003E\u003Cbr\u003EDiscover the new badges\u003C/h3\u003E\n\u003Cp\u003EHSBC UK have supported us to create a fun and practical new Money Skills Activity Badge for Beavers, Cubs, Scouts and Explorers. We\u2019ve created the badge using research from Young Money and working with volunteers and young people across the UK.\u003C/p\u003E","gtmId":"","gtmClass":""}]},{"items":[{"quoteText":"Don\u2019t expect to become rich all at once. To get to big things you have to begin with little things, just as before you grow to be a big adult you must be a small child.","attribution":"Wolf Cubs Handbook, 1916","gridType":"quote","gtmId":"","gtmClass":""}]}],"config":null},{"type":"threeColumn","areas":[{"items":[{"type":"Image top","cta":"Discover the badge","body":"\u003Cp\u003EGet the badge from the\u003Cspan\u003E\u0026nbsp;\u003C/span\u003E\u003Ca rel=\u0022noopener\u0022 href=\u0022https://shop.scouts.org.uk/new-in/explorers-money-skills-activity-badge-113751\u0022 target=\u0022_blank\u0022 title=\u0022Explorer Scout Money Skills Activity Badge\u0022\u003EScout Store\u003C/a\u003E.\u003C/p\u003E","link":{"name":"Money Skills","id":null,"url":"/explorers/activity-badges/money-skills-old/","newWindow":false,"target":null},"colour":"#f1f1f1","title":"Explorers Money Skills Activity 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You worked in a team to try to solve three real-life money challenges and stick within your budget. You researched real prices, prioritised, and figured out what you could afford.\u0026nbsp;\u003C/p\u003E\n\u003Cp\u003EHere\u0027s some questions you can use to help you reflect:\u003C/p\u003E\n\u003Cul\u003E\n\u003Cli\u003EWhat was the hardest decision your team had to make? Was it easy or difficult to agree what to spend money on? Did you have to make any compromises?\u003C/li\u003E\n\u003Cli\u003EWhat strategies did you use to stay within budget?\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003EWould you do anything differently if you did it again?\u003C/li\u003E\n\u003Cli\u003EHow might someone\u2019s job or income affect their ability to make these kinds of choices in real life?\u003C/li\u003E\n\u003C/ul\u003E","relatedActivities":null,"setting":[{"id":38381,"name":"Indoors"}],"supportedBy":{"title":"HSBC UK","logo":{"url":"/media/13886/hsbc-uk.png?cc=0.036000910182936156,0,0.15397861070100011,0.0000000000000005614164825759\u0026width=800\u0026height=450\u0026v=1db822029340140","caption":"HSBC UK","type":"png","size":16071,"width":350,"height":350,"altText":"The HSBC UK logo set inside a white circle."},"content":{"layouts":[{"type":"sidebar","areas":[{"items":[{"gridType":"RichTextBlock","content":"\u003Cp class=\u0022rte-justify\u0022\u003EAs Scouts, we\u2019re used to dealing with money. We fundraise for charities, budget for camps, and raise money for jamborees as part of everything we do to build skills for life. Back by popular demand, we\u0027ve now expanded our Successful Money Skills programme for Beavers and Cubs by developing badges for Scouts and Explorers too. The activities focus on fun, active ways for young people to build their confidence and understanding around financial literacy.\u003Cbr\u003E\u0026nbsp;\u003Cbr\u003EThis isn\u2019t a new idea. Between 1916 and 1925, Scouts could earn the Thriftyman Proficiency Badge, which was all about the importance of practising saving from a young age. Today, we\u2019re taking it a little further. We\u2019re exploring how our money choices can benefit our community, learning about how different people use their money, and having plenty of fun with hands-on activities.\u003C/p\u003E","gtmId":"","gtmClass":""},{"gridType":"accordion","gtmId":"","gtmClass":"","showExpand":false,"items":[{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp\u003EResearch by the\u0026nbsp;\u003Ca id=\u0022menurprq\u0022 rel=\u0022noreferrer noopener\u0022 href=\u0022https://mascdn.azureedge.net/cms/the-money-advice-service-habit-formation-and-learning-in-young-children-may2013.pdf\u0022 target=\u0022_blank\u0022 title=\u0022https://mascdn.azureedge.net/cms/the-money-advice-service-habit-formation-and-learning-in-young-children-may2013.pdf\u0022 class=\u0022fui-Link ___1q1shib f2hkw1w f3rmtva f1ewtqcl fyind8e f1k6fduh f1w7gpdv fk6fouc fjoy568 figsok6 f1s184ao f1mk8lai fnbmjn9 f1o700av f13mvf36 f1cmlufx f9n3di6 f1ids18y f1tx3yz7 f1deo86v f1eh06m1 f1iescvh fhgqx19 f1olyrje f1p93eir f1nev41a f1h8hb77 f1lqvz6u f10aw75t fsle3fq f17ae5zn\u0022 aria-label=\u0022Link Money Advice Service\u0022\u003EMoney Advice Service\u003C/a\u003E tells us that we usually form our habits around money by the age of seven. That\u2019s why we worked with HSBC UK to design these badges for Beavers and Cubs. After three years of success, awarding over 200,000 Money Skills badges to our younger sections, the time has come for us to extend this opportunity to our Scouts and Explorers too!\u003C/p\u003E\n\u003Cp\u003EThe badges aren\u2019t about maths or teaching young people what they should and shouldn\u2019t do with their money. They build on young people\u2019s decision-making skills, help them learn about the things that might influence their choices, and introduce some different cultural practices around money. Above all, they give young people to chance to get stuck in and practise handling money and making their own choices.\u003C/p\u003E\n\u003Cp\u003EThe new Money Skills Activity Badges are our opportunity to help young people prepare to deal with money, both at Scouts and in their personal lives.\u003C/p\u003E","label":"Why Money Skills matters to Scouts"},{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp class=\u0022rte-justify\u0022\u003E\u003Cspan\u003EWe knew that this bad\u003C/span\u003E\u003Cspan\u003Ege needed to be shaped by expert knowledge, including knowledge of what leaders, young people, and parents wanted from the badges. \u003C/span\u003EWe set up a working group of diverse volunteers from different religious background\u003Cspan\u003Es and \u003C/span\u003Elocations\u003Cspan\u003E (\u003C/span\u003E\u003Cspan\u003Eand \u003C/span\u003E\u003Cspan\u003Ewith\u003C/span\u003E different learning styles and experiences\u003Cspan\u003E)\u003C/span\u003E\u003Cspan\u003E \u2013\u00A0and we learned a lot.\u003C/span\u003E\u003C/p\u003E\n\u003Cp class=\u0022rte-justify\u0022\u003EOf course, our priority was to make sure \u003Cspan\u003Ethe badges:\u003C/span\u003E\u003C/p\u003E\n\u003Cul\u003E\n\u003Cli class=\u0022rte-justify\u0022\u003Epromote learning by doing,\u003C/li\u003E\n\u003Cli class=\u0022rte-justify\u0022\u003Erelate to Scout experiences,\u003C/li\u003E\n\u003Cli class=\u0022rte-justify\u0022\u003Eand are as fun and active as possible.\u003C/li\u003E\n\u003C/ul\u003E\n\u003Cp\u003EWe worked with our dedicated volunteers to design the badge requirements, \u003Cspan\u003Ethen\u003C/span\u003E tested them around the UK. \u003Cspan\u003EPeople\u2019s f\u003C/span\u003Eeedback told us what worked best, and we\u003Cspan\u003E le\u003C/span\u003E\u003Cspan\u003Earned where we\u003C/span\u003E needed to make \u003Cspan\u003Echanges \u003C/span\u003Eto \u003Cspan\u003Emake every activity\u003C/span\u003E accessible to young people from all backgrounds.\u003C/p\u003E\n\u003Cp\u003EThe requirements are designed to \u003Cspan\u003Egive\u003C/span\u003E young people \u003Cspan\u003Ethe chance to \u003C/span\u003Ereflect on what they \u003Cspan\u003Ealready \u003C/span\u003Eknow about money, use the decision-making skills they already have\u003Cspan\u003E,\u003C/span\u003E and apply \u003Cspan\u003Etheir skills\u003C/span\u003E to financial \u003Cspan\u003Esituations\u003C/span\u003E.\u003C/p\u003E","label":"Designing the badges"},{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp class=\u0022rte-justify\u0022\u003E\u003Cstrong\u003E\u003Cspan\u003EThrough our research, we found that:\u003C/span\u003E\u003C/strong\u003E\u003C/p\u003E\n\u003Cul class=\u0022rte-justify\u0022\u003E\n\u003Cli\u003EYoung people wanted to learn how money works, how to make \u003Cspan\u003Emoney\u003C/span\u003E, and how to raise \u003Cspan\u003Emoney\u003C/span\u003E for others\u003Cspan\u003E.\u003C/span\u003E\u003C/li\u003E\n\u003Cli\u003EYoung people and leaders wanted activities that \u003Cspan\u003Eg\u003C/span\u003E\u003Cspan\u003Ei\u003C/span\u003E\u003Cspan\u003Eve young people the chance to\u003C/span\u003E practise \u003Cspan\u003Eusing\u003C/span\u003E money in a safe way\u003Cspan\u003E.\u003C/span\u003E\u003C/li\u003E\n\u003Cli\u003ESome \u003Cspan\u003El\u003C/span\u003Eeaders gave us advice on how to respectfully \u003Cspan\u003Ereference\u003C/span\u003E their religious practices around money.\u003C/li\u003E\n\u003Cli\u003E\u003Cspan\u003ESome leaders \u003C/span\u003Etold us how to engage young people who struggle with maths by creating practical and creative activities.\u003C/li\u003E\n\u003Cli\u003EParents wanted to make sure activities are respectful of\u003Cspan\u003E people\u003C/span\u003E\u003Cspan\u003E\u2019s\u003C/span\u003E different financial backgrounds\u003Cspan\u003E.\u003C/span\u003E\u003C/li\u003E\n\u003C/ul\u003E\n\u003Cp class=\u0022rte-justify\u0022\u003EThere are \u003Cspan\u003Efour\u003C/span\u003E requirements for Beavers, \u003Cspan\u003Efive\u003C/span\u003E for Cubs, four for Scouts and five for Explorers.\u0026nbsp;\u003Cspan\u003EWe\u2019ve created\u003C/span\u003E at least two new, practical, fun activities for each requirement, which have been tested and enjoyed by \u003Cspan\u003Ereal\u0026nbsp;\u003C/span\u003Egroups.\u003C/p\u003E\n\u003Cp\u003EIn the next couple of years, \u003Cspan class=\u0022rte-justify\u0022\u003Ewe\u2019ll release \u003C/span\u003Emore activities\u003Cspan class=\u0022rte-justify\u0022\u003E. \u003C/span\u003E\u003Cspan class=\u0022rte-justify\u0022\u003EDuring our testing,\u003C/span\u003E some \u003Cspan class=\u0022rte-justify\u0022\u003El\u003C/span\u003Eeaders invented their own activities \u003Cspan class=\u0022rte-justify\u0022\u003E\u2013\u0026nbsp;they\u003C/span\u003E blew us away with their creativity, so we\u003Cspan class=\u0022rte-justify\u0022\u003E\u2019\u003C/span\u003Ell be working with them later on in the project to include the\u003Cspan class=\u0022rte-justify\u0022\u003Eir\u003C/span\u003E\u003Cspan class=\u0022rte-justify\u0022\u003E ideas\u003C/span\u003E too\u003Cspan class=\u0022rte-justify\u0022\u003E.\u003C/span\u003E\u003C/p\u003E","label":"What you told us"}]},{"gridType":"RichTextBlock","content":"\u003Ch3\u003E\u003Cbr\u003EDiscover the new badges\u003C/h3\u003E\n\u003Cp\u003EHSBC UK have supported us to create a fun and practical new Money Skills Activity Badge for Beavers, Cubs, Scouts and Explorers. We\u2019ve created the badge using research from Young Money and working with volunteers and young people across the UK.\u003C/p\u003E","gtmId":"","gtmClass":""}]},{"items":[{"quoteText":"Don\u2019t expect to become rich all at once. To get to big things you have to begin with little things, just as before you grow to be a big adult you must be a small child.","attribution":"Wolf Cubs Handbook, 1916","gridType":"quote","gtmId":"","gtmClass":""}]}],"config":null},{"type":"threeColumn","areas":[{"items":[{"type":"Image top","cta":"Discover the badge","body":"\u003Cp\u003EGet the badge from the\u003Cspan\u003E\u0026nbsp;\u003C/span\u003E\u003Ca rel=\u0022noopener\u0022 href=\u0022https://shop.scouts.org.uk/new-in/explorers-money-skills-activity-badge-113751\u0022 target=\u0022_blank\u0022 title=\u0022Explorer Scout Money Skills Activity Badge\u0022\u003EScout Store\u003C/a\u003E.\u003C/p\u003E","link":{"name":"Money Skills","id":null,"url":"/explorers/activity-badges/money-skills-old/","newWindow":false,"target":null},"colour":"#f1f1f1","title":"Explorers Money Skills Activity 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href=\u0022https://shop.scouts.org.uk/volunteer-leaders/cub-scout-financial-skills-activity-badge#selection.size=719\u0026amp;selection.color=34#selection.color=NULL\u0026amp;selection.size=One%20Size\u0022 target=\u0022_blank\u0022 title=\u0022Cub Scout Money Skills Activity Badge\u0022 data-anchor=\u0022#selection.size=719\u0026amp;selection.color=34#selection.color=NULL\u0026amp;selection.size=One%20Size\u0022\u003EScout Store\u003C/a\u003E.\u003C/p\u003E","link":{"name":"Money Skills","id":null,"url":"/cubs/activity-badges/money-skills/","newWindow":false,"target":null},"colour":"#f1f1f1","title":"Cubs Money Skills Activity Badge","image":"/media/13707/activity-badges-cu-money-skills-rgb.png?width=800\u0026height=450\u0026v=1daf2f4b05edd40","imageFocus":"","imageId":26681,"imageKey":"00000000-0000-0000-0000-000000000000","imageCrop":"","gridType":"card","gtmId":"","gtmClass":""}]},{"items":[{"type":"Image top","cta":"Discover the badge","body":"\u003Cp\u003EGet the badge from the \u003Ca rel=\u0022noopener\u0022 href=\u0022https://shop.scouts.org.uk/volunteer-leaders/beaver-scout-financial-skills-activity-badge#selection.color=34\u0022 target=\u0022_blank\u0022 title=\u0022Beaver Scout Money Skills Activity Badge\u0022 data-anchor=\u0022#selection.color=34\u0022\u003EScout Store\u003C/a\u003E.\u003C/p\u003E","link":{"name":"Money Skills","id":null,"url":"/beavers/activity-badges/money-skills/","newWindow":false,"target":null},"colour":"#f1f1f1","title":"Beavers Money Skills Activity Badge","image":"/media/13706/activity-badges-be-money-skills-rgb.png?width=800\u0026height=450\u0026v=1daf2f3a36f3540","imageFocus":"","imageId":26680,"imageKey":"00000000-0000-0000-0000-000000000000","imageCrop":"","gridType":"card","gtmId":"","gtmClass":""}]},{"items":[{"gridType":"imageWithLink","gtmId":"","gtmClass":"","image":"/media/xk1nvawi/scouts-beavers-cubs-ye-quality-mark-01.png","width":1431,"height":828,"altText":"","caption":"","link":{"name":"The Quality 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Take a look at our\u003C/span\u003E\u003Cspan\u003E\u00A0\u003C/span\u003E\u003Cspan\u003E\u003Ca href=\u0022/volunteers/staying-safe-and-safeguarding/safeguarding-in-the-programme/scouting-online-safely/\u0022 title=\u0022Staying safe online\u0022\u003Eonline safety\u003C/a\u003E\u003C/span\u003E\u003Cspan\u003E or \u003C/span\u003E\u003Cspan\u003E\u003Ca rel=\u0022noopener\u0022 href=\u0022http://nspcc.org.uk/bullying\u0022 target=\u0022_blank\u0022 title=\u0022Bullying (NSPCC)\u0022\u003Ebullying\u003C/a\u003E guidance. The \u003Ca rel=\u0022noopener\u0022 href=\u0022https://www.nspcc.org.uk\u0022 target=\u0022_blank\u0022\u003ENSPCC\u003C/a\u003E\u00A0\u003C/span\u003E\u003Cspan\u003Eoffers more advice and guidance, too\u003C/span\u003E\u003Cspan\u003E. If you want to know more about specific social networks and games, \u003Ca rel=\u0022noopener\u0022 href=\u0022https://www.childnet.com/\u0022 target=\u0022_blank\u0022 title=\u0022Childnet\u0022\u003EChildnet\u003C/a\u003E\u00A0\u003C/span\u003E\u003Cspan\u003Ehas information and safety tips for apps. \u003C/span\u003EYou can also report anything that\u2019s worried you online to the \u003Ca rel=\u0022noopener\u0022 tabindex=\u0022-1\u0022 href=\u0022https://www.ceop.police.uk/safety-centre/\u0022 target=\u0022_blank\u0022 title=\u0022Safety centre (CEOP)\u0022\u003EChild Exploitation and Online Protection Command\u003C/a\u003E\u003Cspan\u003E.\u00A0\u003C/span\u003E\u003Cspan\u003EAs always, if you\u2019ve got concerns about a young person\u2019s welfare, including their online experiences, follow the \u003C/span\u003E\u003Cspan\u003E\u003Ca href=\u0022/volunteers/staying-safe-and-safeguarding/safe-scouting-cards/safeguarding-code-of-conduct-for-adults-yellow-card/\u0022 title=\u0022Young People First - Yellow Card\u0022\u003EYellow Card\u003C/a\u003E to make a report\u003C/span\u003E\u003Cspan\u003E.\u003C/span\u003E\u003C/p\u003E"}],"safetyAlert":"","safetyTags":[],"deliveryMethods":"","permitRequired":false,"scoutLedQualifications":[],"guidance":null,"aalaRequired":false,"externalQualifications":[],"exceptions":[],"listingVideoUrl":"","disableBasicSafetyChecklist":false,"likes":0,"activitiesAdditionalInfo":{"inclusivityStatement":"\u003Cp\u003EAll Scout activities should be \u003Ca rel=\u0022noopener\u0022 href=\u0022https://www.scouts.org.uk/volunteers/inclusion-and-diversity/supporting-those-with-additional-needs-and-neurodiversity/reasonable-adjustments/badges-and-awards/\u0022 target=\u0022_blank\u0022 title=\u0022Guidance on flexibility\u0022\u003Einclusive and accessible.\u003C/a\u003E\u003C/p\u003E","standardSafetyAlert":"\u003Cp\u003EAll activities must be safely managed. You must complete a thorough \u003Ca href=\u0022/volunteers/staying-safe-and-safeguarding/risk-assessments/\u0022 title=\u0022Risk assessments\u0022\u003Erisk assessment\u003C/a\u003E\u0026nbsp;and take appropriate steps to reduce risk. Use the \u003Ca href=\u0022/volunteers/staying-safe-and-safeguarding/safe-scouting-cards/staying-safe-safety-checklist/staying-safe-leaders/\u0022 title=\u0022Staying Safe - Leaders\u0022\u003Esafety checklist\u003C/a\u003E to help you plan and risk assess your activity. Always get\u0026nbsp;\u003Ca href=\u0022/volunteers/running-your-section/programme-guidance/information-for-volunteers/general-activity-guidance-a-z/approving-activities-guidance-for-lead-volunteers/\u0022 title=\u0022Approving Activities - Guidance for Lead Volunteers\u0022\u003Eapproval for the activity\u003C/a\u003E, and have suitable\u0026nbsp;\u003Ca href=\u0022/volunteers/staying-safe-and-safeguarding/safety/planning-and-assessing-risk/guidance-for-supervision-of-activities/\u0022 title=\u0022Guidance for supervision of activities\u0022\u003Esupervision\u003C/a\u003E\u0026nbsp;and an \u003Ca href=\u0022/volunteers/running-your-section/intouch/\u0022 title=\u0022InTouch\u0022\u003EInTouch\u003C/a\u003E process.\u003C/p\u003E\n\u003Cp\u003EYou must run your activities in line with the \u003Ca href=\u0022/volunteers/staying-safe-and-safeguarding/safe-scouting-cards/safeguarding-code-of-conduct-for-adults-yellow-card/\u0022 title=\u0022Safeguarding Code of Conduct for Adults - Yellow Card\u0022\u003ESafeguarding Code of Conduct for Adults (Yellow Card)\u003C/a\u003E and report any concerns to the UK HQ Safeguarding Team.\u003C/p\u003E","basicChecklist":"\u003Cul\u003E\n\u003Cli\u003EComplete a \u003Ca href=\u0022/volunteers/staying-safe-and-safeguarding/risk-assessments/\u0022 title=\u0022Risk assessments\u0022\u003Erisk assessment\u003C/a\u003E\u003C/li\u003E\n\u003Cli\u003EHave the right \u003Ca href=\u0022/volunteers/running-your-section/adult-to-young-people-ratios/\u0022 title=\u0022Adult to Young People ratios\u0022\u003Eratios\u003C/a\u003E of number of adults to provide suitable\u0026nbsp;\u003Ca rel=\u0022noopener\u0022 href=\u0022/volunteers/staying-safe-and-safeguarding/safety/planning-and-assessing-risk/guidance-for-supervision-of-activities/\u0022 target=\u0022_blank\u0022 title=\u0022Guidance for supervision of activities\u0022\u003Esupervision\u003C/a\u003E\u003C/li\u003E\n\u003Cli\u003ESet up an \u003Ca href=\u0022/volunteers/running-your-section/intouch/\u0022 title=\u0022InTouch\u0022\u003EInTouch\u003C/a\u003E process\u003C/li\u003E\n\u003Cli\u003E\u003Ca href=\u0022/volunteers/staying-safe-and-safeguarding/safe-scouting-cards/safe-scouting-and-emergency-procedures/\u0022 title=\u0022Safe Scouting and Emergency Procedures\u0022\u003EKnow what to do in an emergency\u003C/a\u003E\u003C/li\u003E\n\u003Cli\u003E\u003Cspan\u003EShare information with parents and carers with an\u003C/span\u003E \u003Ca href=\u0022/volunteers/running-your-section/programme-guidance/general-activity-guidance/activity-information-form/\u0022 title=\u0022Activity information form\u0022\u003E\u003Cspan\u003Eactivity information\u003C/span\u003E\u003Cspan\u003E form\u003C/span\u003E\u003C/a\u003E\u003C/li\u003E\n\u003Cli\u003EGet \u003Ca href=\u0022/volunteers/running-your-section/programme-guidance/information-for-volunteers/general-activity-guidance-a-z/approving-activities-guidance-for-lead-volunteers/\u0022 title=\u0022Approving Activities - Guidance for Lead Volunteers\u0022\u003Eapproval from your Lead Volunteer.\u003C/a\u003E\u003C/li\u003E\n\u003C/ul\u003E","scoutLedAvailable":"\u003Cp\u003EThis activity can be led by you or someone else in Scouts:\u003C/p\u003E","permitRequired":"\u003Cp\u003EThe activity leader must have an \u003Ca href=\u0022/volunteers/running-your-section/programme-guidance/activity-permit-scheme/adventurous-activity-permit-scheme/\u0022 title=\u0022Adventurous Activity Permit Scheme\u0022\u003Eadventurous activities permit\u003C/a\u003E with the right level and permissions for your group.\u003C/p\u003E","externallyLedAvailable":"\u003Cp\u003EYou can go to a centre or use an activity leader who\u0027s not part of Scouts:\u003C/p\u003E","aalaRequired":"\u003Cp\u003E\u003Ca rel=\u0022noopener\u0022 href=\u0022https://www.hse.gov.uk/aala/index.htm\u0022 target=\u0022_blank\u0022 title=\u0022AALA licence\u0022\u003EAn AALA licence is required\u003C/a\u003E.\u003C/p\u003E","aalaExempt":"\u003Cp\u003EIf the provider is exempt from the AALA licence.\u003C/p\u003E","publicLiabilityInsurance":"\u003Cp\u003EThe provider must have public liability insurance.\u003C/p\u003E","actvityLink":"/activities/"},"duration":60,"instructions":{"layouts":[{"type":"singleColumn","areas":[{"items":[{"gridType":"RichTextBlock","content":"\u003Ch3\u003EBefore you begin\u003C/h3\u003E\n\u003Cul\u003E\n\u003Cli\u003EUse the \u003Ca rel=\u0022noopener\u0022 href=\u0022/volunteers/staying-safe-and-safeguarding/safe-scouting-cards/safety-checklist-cards/safety-checklists-for-team-members/\u0022 target=\u0022_blank\u0022 title=\u0022Staying Safe - Section Volunteers\u0022\u003Esafety checklist\u003C/a\u003E to help you plan and risk assess your activity. There\u2019s also more guidance to help you carry out your \u003Ca rel=\u0022noopener\u0022 href=\u0022/volunteers/staying-safe-and-safeguarding/risk-assessments/\u0022 target=\u0022_blank\u0022 title=\u0022Risk assessments\u0022\u003Erisk assessment\u003C/a\u003E, including examples.\u003C/li\u003E\n\u003Cli\u003EMake sure all young people and adults involved in the activity know how to take part safely.\u003C/li\u003E\n\u003Cli\u003EMake sure you\u2019ll have enough adult helpers. You may need some parents and carers to help.\u003C/li\u003E\n\u003C/ul\u003E\n\u003Ch3\u003EPlanning and setting up this activity\u003C/h3\u003E\n\u003Cul\u003E\n\u003Cli\u003EPrint out copies of the scenarios, enough for one set per group. You could also print a budgeting sheet for each group to use.\u0026nbsp;\u003C/li\u003E\n\u003C/ul\u003E","gtmId":"","gtmClass":""}]}],"config":null},{"type":"fullWidth","areas":[{"items":[{"type":"Promo","cta":"","body":"\u003Cp\u003EThis activity aims to help young people learn about money by trying out real-life budgeting situations.\u003C/p\u003E\n\u003Cp class=\u0022\u0022 data-start=\u0022129\u0022 data-end=\u0022254\u0022\u003EIn teams, they\u2019ll work through three different challenges. Each one gives them a set amount of money and a goal to reach.\u0026nbsp;They\u2019ll practise managing money, making smart choices, and seeing how their decisions affect their budget.\u003C/p\u003E","link":null,"colour":"#f1f1f1","title":"Aim of the activity","image":null,"imageFocus":"","imageId":0,"imageKey":"00000000-0000-0000-0000-000000000000","imageCrop":"","gridType":"card","gtmId":"","gtmClass":""},{"gridType":"accordion","gtmId":"","gtmClass":"","showExpand":false,"items":[{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp\u003E\u003Cstrong\u003EHow to manage money\u003C/strong\u003E\u003C/p\u003E\n\u003Cul\u003E\n\u003Cli\u003EFinancial planning and budgeting\u003C/li\u003E\n\u003Cli\u003EPaying, borrowing and saving\u003C/li\u003E\n\u003C/ul\u003E\n\u003Cp\u003E\u003Cstrong\u003EUnderstanding the Important Role Money plays in our Lives\u003C/strong\u003E\u003C/p\u003E\n\u003Cul\u003E\n\u003Cli\u003ELinks between work, life choices and financial planning\u003C/li\u003E\n\u003C/ul\u003E","label":"Links to the financial education planning framework"}]}]}],"config":null},{"type":"singleColumn","areas":[{"items":[{"gridType":"RichTextBlock","content":"\u003Ch3\u003E\u0026nbsp; \u0026nbsp;\u003C/h3\u003E\n\u003Ch3\u003ERunning this activity\u003C/h3\u003E\n\u003Col\u003E\n\u003Cli\u003EGet into small groups.\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003EMake sure each team has pens and paper, access to a calculator and devices with access to the internet to check product prices.\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003EEach group should choose three budgeting scenarios. In each scenario, they\u0027ll have a set amount of money and a goal to reach.\u003C/li\u003E\n\u003Cli\u003EThe team that manages to achieve their goal with the most money let over will win.\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003EWork together to find some accurate costs online, then plan how to spend your budget. You could use the budgeting sheet to help you.\u003C/li\u003E\n\u003Cli\u003EAt the end of each one, work out how much money you have got left over.\u003C/li\u003E\n\u003Cli\u003EWhen everyone\u2019s finished their three budgets, gather back together as a whole group.\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003EEach team should present their budgets and explain how they prioritised their spending.\u0026nbsp;See which team had the most money left over from the budget, but make sure they didn\u2019t miss anything out! \u0026nbsp;\u003C/li\u003E\n\u003Cli\u003EIf you wanted to, you could see if you could fundraise a small amount of money, then spend it to gather donations for a local charity, such as a food bank, toy appeal or pet rescue. You could see which group could get the most items for their money.\u0026nbsp;\u003C/li\u003E\n\u003C/ol\u003E","gtmId":"","gtmClass":""}]}],"config":null},{"type":"fullWidth","areas":[{"items":[{"gridType":"accordion","gtmId":"","gtmClass":"","showExpand":true,"items":[{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp\u003E\u003Cstrong\u003EObjective: \u003C/strong\u003EPlan a 7-day holiday for two people.\u0026nbsp;\u003C/p\u003E\n\u003Cp\u003E\u003Cstrong\u003EBudget:\u003C/strong\u003E \u00A32,500\u0026nbsp;\u003C/p\u003E\n\u003Cp\u003E\u003Cstrong\u003EConsiderations:\u0026nbsp;\u003C/strong\u003E\u003C/p\u003E\n\u003Cul\u003E\n\u003Cli\u003EFlights\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003EAccommodation\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003EMeals\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003EActivities\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003ETravel insurance\u0026nbsp;\u003C/li\u003E\n\u003C/ul\u003E\n\u003Cp\u003E\u003Cstrong\u003EGuidance: \u003C/strong\u003EResearch current travel deals, making sure to consider the time of year and location.\u0026nbsp;\u003C/p\u003E","label":"Scenario 1: Dream holiday planning"},{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp\u003E\u003Cstrong\u003EObjective: \u003C/strong\u003EPurchase a suitable vehicle for a 17-year-old.\u003C/p\u003E\n\u003Cp\u003E\u003Cstrong\u003EBudget:\u003C/strong\u003E \u00A35,000\u00A0\u003C/p\u003E\n\u003Cp\u003E\u003Cstrong\u003EConsiderations:\u00A0\u003C/strong\u003E\u003C/p\u003E\n\u003Cul\u003E\n\u003Cli\u003EMode of transport (such as a car, moped, bike, electric bike)\u003C/li\u003E\n\u003Cli\u003EPurchase price\u003C/li\u003E\n\u003Cli\u003EInsurance\u00A0\u003C/li\u003E\n\u003Cli\u003ERoad tax and MOT\u003C/li\u003E\n\u003Cli\u003EFuel or electric charging points\u003C/li\u003E\n\u003Cli\u003EMaintenance and repairs\u003C/li\u003E\n\u003Cli\u003EAny safety equipment (such as a helmet, lock, back protector)\u003C/li\u003E\n\u003C/ul\u003E\n\u003Cp\u003E\u003Cstrong\u003EGuidance:\u00A0 \u003C/strong\u003E\u003C/p\u003E\n\u003Cul\u003E\n\u003Cli\u003EYou might want to research and compare a few different modes of transport.\u003C/li\u003E\n\u003Cli\u003ESome options might give you more independence or be more convenient, but they might have higher ongoing costs (such as repairs or insurance)\u00A0\u003C/li\u003E\n\u003Cli\u003EDifferent cars cost more or less to run and own. For example, the insurance group a car is in will affect how much you pay.\u003C/li\u003E\n\u003C/ul\u003E","label":"Scenario 2: Getting on the road"},{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp\u003E\u003Cstrong\u003EObjective:\u0026nbsp;\u003C/strong\u003EPrepare for the first year of university by buying household basics for a student flat.\u003C/p\u003E\n\u003Cp\u003E\u003Cstrong\u003EBudget:\u003C/strong\u003E \u00A31,000\u0026nbsp;\u003C/p\u003E\n\u003Cp\u003E\u003Cstrong\u003EConsiderations:\u0026nbsp;\u003C/strong\u003E\u003C/p\u003E\n\u003Cul\u003E\n\u003Cli\u003EKitchenware (such as pans, cutlery, kettles)\u003C/li\u003E\n\u003Cli\u003EBedding\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003ECleaning supplies\u003C/li\u003E\n\u003Cli\u003EBathroom essentials (such as toiletries or towels)\u003C/li\u003E\n\u003Cli\u003EIT equipment (such as a laptop or headphones)\u003C/li\u003E\n\u003Cli\u003EAdditional costs (such as a TV licence, storage or contents insurance)\u0026nbsp;\u003C/li\u003E\n\u003C/ul\u003E\n\u003Cp\u003E\u003Cstrong\u003EGuidance: \u003C/strong\u003EYou\u2019ll need to prioritise essential items, especially what you\u0027ll need in the first few weeks. Make sure to have some of the budget saved for any unexpected costs. Some costs might be split between the flat, such as a kettle. Some places may have some of the basics provided, such as a vacuum cleaner, and you may be able to use some items from home. If your home has contents insurance already, this might cover you while at university too.\u003C/p\u003E","label":"Scenario 3: University essentials"},{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp\u003E\u003Cstrong\u003EObjective:\u003C/strong\u003E Organise a birthday party for 20 guests.\u0026nbsp;\u003C/p\u003E\n\u003Cp\u003E\u003Cstrong\u003EBudget:\u003C/strong\u003E \u00A3500\u0026nbsp;\u003C/p\u003E\n\u003Cp\u003E\u003Cstrong\u003EConsiderations:\u0026nbsp;\u003C/strong\u003E\u003C/p\u003E\n\u003Cul\u003E\n\u003Cli\u003EVenue\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003ECatering\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003EEntertainment\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003EDecorations\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003EInvitations\u0026nbsp;\u003C/li\u003E\n\u003C/ul\u003E\n\u003Cp\u003E\u003Cstrong\u003EGuidance: \u003C/strong\u003EYou\u0027ll need to balance quality and cost, and you may have to choose one thing over another too.\u0026nbsp;\u003C/p\u003E","label":"Scenario 4: Birthday party planning\u00A0"},{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp\u003E\u003Cstrong\u003EObjective:\u003C/strong\u003E Budget for the first year of owning a dog.\u200B\u003C/p\u003E\n\u003Cp\u003E\u003Cstrong\u003EBudget: \u003C/strong\u003E\u00A32,800\u200B\u00A0\u003C/p\u003E\n\u003Cp\u003E\u003Cstrong\u003EConsiderations:\u00A0\u003C/strong\u003E\u003C/p\u003E\n\u003Cul\u003E\n\u003Cli\u003EInitial setup (such as a bed, lead, collar)\u00A0\u003C/li\u003E\n\u003Cli\u003EVaccinations and microchipping\u00A0\u003C/li\u003E\n\u003Cli\u003EFood\u00A0\u003C/li\u003E\n\u003Cli\u003EGrooming and supplies\u00A0\u003C/li\u003E\n\u003Cli\u003EPet insurance\u00A0\u003C/li\u003E\n\u003Cli\u003EAnnual vet check-up\u00A0\u003C/li\u003E\n\u003Cli\u003EAny ongoing vet bills or emergency care\u003C/li\u003E\n\u003Cli\u003ETraining and socialisation\u00A0\u003C/li\u003E\n\u003Cli\u003EPet boarding or daycare\u00A0\u003C/li\u003E\n\u003Cli\u003EToys and accessories\u00A0\u003C/li\u003E\n\u003C/ul\u003E\n\u003Cp\u003E\u003Cstrong\u003EGuidance:\u003C/strong\u003E Always consider the ongoing financial commitment of pet ownership and the importance of budgeting for both expected and unexpected expenses. You can use \u003Ca href=\u0022https://www.petsathome.com/pet-advice\u0022\u003EPets at Home\u2019s guide for the costs of owning different animals\u003C/a\u003E or \u003Ca href=\u0022https://www.petsathome.com/pet-advice/cost-of-owning-a-dog\u0022\u003Ecosts of owning a dog\u003C/a\u003E.\u003C/p\u003E","label":"Scenario 5: Owning a dog\u00A0"},{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp\u003E\u003Cstrong\u003EBudget:\u003C/strong\u003E \u00A3400 monthly income from a weekend job\u0026nbsp;\u003C/p\u003E\n\u003Cp\u003E\u003Cstrong\u003EGoal:\u003C/strong\u003E Save \u00A3800 in 6 months for a new laptop or festival trip\u0026nbsp;\u003C/p\u003E\n\u003Cp\u003E\u003Cstrong\u003EMonthly expenses to consider:\u0026nbsp;\u003C/strong\u003E\u003C/p\u003E\n\u003Cul\u003E\n\u003Cli\u003EPhone bill\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003ETravel (such as a bus or train pass)\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003ESocial life (such as going to the cinema, an escape room or dinner out)\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003ESubscriptions (such as Spotify or Netflix)\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003EClothes or personal items\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003EUnexpected costs (such as replacing headphones)\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003EAny rent or contribution to household costs (such as food)\u003C/li\u003E\n\u003C/ul\u003E","label":"Scenario 6: Starting a part-time job and saving for a goal "},{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp\u003EThis activity may touch on sensitive topics, such as food, money or food banks, which some young people or their families might be affected by.\u0026nbsp;\u003C/p\u003E\n\u003Cp\u003EIt\u2019s important to create a safe, positive and supportive space where everyone feels comfortable. Let everyone know it\u2019s okay to ask questions, say if they feel unsure, or step away at any time. Always follow the \u003Ca href=\u0022https://www.scouts.org.uk/volunteers/staying-safe-and-safeguarding/safe-scouting-cards/safeguarding-code-of-conduct-for-adults-yellow-card/\u0022\u003EYellow Card\u003C/a\u003E.\u003C/p\u003E\n\u003Cp\u003EYou might need to make adjustments, such as:\u003C/p\u003E\n\u003Cul\u003E\n\u003Cli\u003ETell people about the activity in advance\u003C/li\u003E\n\u003Cli\u003EOffer the option to leave or do an alternative activity\u003C/li\u003E\n\u003Cli\u003ESpeak with parents or carers beforehand\u003C/li\u003E\n\u003Cli\u003ERemind everyone they can talk to a trusted adult if they\u2019re upset or worried\u003C/li\u003E\n\u003C/ul\u003E\n\u003Cp\u003EYou can offer trusted support services if needed, such as Childline (0800 1111), Citizen\u2019s Advice (0808 223 1133) and Crimestoppers (0800 555 111).\u003C/p\u003E\n\u003Cp\u003EThe \u003Ca href=\u0022https://www.trusselltrust.org/\u0022\u003ETrussell Trust\u003C/a\u003E is a great place to start \u003Ca href=\u0022https://www.trussell.org.uk/emergency-food\u0022\u003Elooking for a food bank near you\u003C/a\u003E.\u0026nbsp;You can find details of\u0026nbsp;\u003Ca href=\u0022https://www.foodaidnetwork.org.uk/our-members\u0022\u003Eindependent food banks\u003C/a\u003E online. The UK Government have some\u0026nbsp;\u003Ca href=\u0022https://www.gov.uk/debt-advice\u0022\u003Edebt advice support\u003C/a\u003E too.\u003C/p\u003E\n\u003Cp\u003EMake sure that all adult volunteers and young leaders keep all discussions age-appropriate and supportive.\u003C/p\u003E","label":"Create a safe and supportive space when talking about money"}]}]}],"config":null}]},"ownerAuthor":null,"porRules":null,"id":85741,"nodeName":"Budget like a boss!","title":"Budget like a boss!","type":"activity","image":{"url":"/media/13887/hsbc.png?width=800\u0026height=450\u0026v=1d9bece96d5ba70","caption":"HSBC Partnership","type":"png","size":134038,"width":1920,"height":1080,"altText":"A name badge with the HSBC UK logo on it, stating \u2018created in partnership with\u2019 at the top."},"assets":[{"id":85746,"url":"/media/brtmxn5e/budgeting-sheet.pdf","caption":"Budgeting Sheet","type":"pdf","size":55638}],"headerOptions":{"headerTitle":"Budget like a boss!","headerSubTitle":null,"headerCta":null,"headerCtaText":null,"headerCtaLink":null,"headerBackgroundColour":null,"showSEOImage":false,"headerBackgroundImage":null,"quickLinks":null},"searchDescription":"Work in teams to tackle real-life money challenges and make smart choices with a set budget.","subHeader":"Work in teams to tackle real-life money challenges and make smart choices with a set budget.","browserTitle":null,"silktide":"eyJjbXMiOiJVbWJyYWNvIiwiZWRpdG9yVXJsIjoiaHR0cHM6Ly9wcm9kLWNtcy5zY291dHMub3JnLnVrLy91bWJyYWNvIy9jb250ZW50L2NvbnRlbnQvZWRpdC84NTc0MSJ9","canonicalUrl":"https://www.scouts.org.uk/activities/budget-like-a-boss/"}