{"activityType":[{"id":38377,"name":"Practical skills"}],"activityCategory":"Activity","completionTime":"30","cost":"\u00A3","energy":"Focusing","equipmentList":[{"id":38313,"name":"Tables","description":"","type":"general"},{"id":38295,"name":"Pens or pencils","description":"","type":"general"},{"id":38356,"name":"A4 paper","description":"","type":"general"},{"id":38321,"name":"Scissors","description":"","type":"general"},{"id":0,"name":null,"description":"Copies of the scenario cards","type":"specific"},{"id":0,"name":null,"description":"Copies of the volunteer guidance","type":"specific"},{"id":0,"name":null,"description":"String, cones, or flags ","type":"specific"},{"id":0,"name":null,"description":"A token or red flag","type":"specific"},{"id":0,"name":null,"description":"Heavy stones or zip ties  (or something to secure the cards on a trail)","type":"specific"},{"id":0,"name":null,"description":"Plastic pockets (or something to waterproof the cards)","type":"specific"}],"adjustments":"\u003Cul\u003E\n\u003Cli\u003ETo make this activity harder, you could give groups a map or grid references to find the cards.\u0026nbsp;\u003C/li\u003E\n\u003C/ul\u003E","firstProvidedBy":"","flexibilityStatement":"\u003Cul\u003E\n\u003Cli\u003EMake sure that everyone can read the scenarios. 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If people may struggle to see the items, you could use items that make noise to help people to find them.\u003C/li\u003E\n\u003C/ul\u003E","groupSize":"Teams","guide":null,"meetsRequirements":[{"notes":"\u003Cp\u003ELearn how to spot scams, why false claims can damage businesses, and discover ways to stay safe, happy and healthy when dealing with money in everyday life.\u0026nbsp;\u003C/p\u003E","subRequirementsToQualify":0,"numberOfTimeToComplete":2,"subRequirements":null,"tips":null,"optional":false,"id":85956,"nodeName":null,"title":null,"type":"","image":null,"assets":null,"headerOptions":null,"searchDescription":null,"subHeader":null,"browserTitle":null,"silktide":null,"canonicalUrl":null},{"notes":"\u003Cp\u003EFind out what shapes your spending habits, learn how to manage your money, and think about why some jobs are paid more than others and if that\u2019s always fair.\u0026nbsp;\u003C/p\u003E","subRequirementsToQualify":0,"numberOfTimeToComplete":0,"subRequirements":null,"tips":null,"optional":false,"id":85962,"nodeName":null,"title":null,"type":"","image":null,"assets":null,"headerOptions":null,"searchDescription":null,"subHeader":null,"browserTitle":null,"silktide":null,"canonicalUrl":null},{"notes":"\u003Cp\u003EFind out what shapes your spending habits, learn how to manage your money, and think about why some jobs are paid more than others and if that\u2019s always fair.\u0026nbsp;\u003C/p\u003E","subRequirementsToQualify":0,"numberOfTimeToComplete":0,"subRequirements":null,"tips":null,"optional":true,"id":89894,"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","sections":["Scouts"],"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. 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 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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 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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. 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","browserTitle":"HSBC UK","silktide":"eyJjbXMiOiJVbWJyYWNvIiwiZWRpdG9yVXJsIjoiaHR0cHM6Ly9wcm9kLWNtcy5zY291dHMub3JnLnVrLy91bWJyYWNvIy9jb250ZW50L2NvbnRlbnQvZWRpdC8zOTMyMiJ9","canonicalUrl":"https://www.scouts.org.uk/supporters/hsbc-uk/"},"badgeType":{"id":39282,"name":"Activity"},"activityTypes":[],"settings":[],"browserTitle":"Explorers Money Skills Activity Badge","url":"/explorers/activity-badges/money-skills-old/","id":85961,"nodeName":"Money Skills (old)","type":"badge","image":{"url":"/media/jnrf05tl/activity-badges-ex-money-skills-cmyk-v2.png","caption":"Activity Badges Ex Money Skills CMYK V2","type":"png","size":29967,"width":474,"height":474,"altText":""},"assets":null,"headerOptions":{"headerTitle":"Money Skills (old)","headerSubTitle":null,"headerCta":null,"headerCtaText":null,"headerCtaLink":null,"headerBackgroundColour":null,"showSEOImage":false,"headerBackgroundImage":null,"quickLinks":null},"searchDescription":"","subHeader":"","silktide":"eyJjbXMiOiJVbWJyYWNvIiwiZWRpdG9yVXJsIjoiaHR0cHM6Ly9wcm9kLWNtcy5zY291dHMub3JnLnVrLy91bWJyYWNvIy9jb250ZW50L2NvbnRlbnQvZWRpdC84NTk2MSJ9","canonicalUrl":"https://www.scouts.org.uk/explorers/activity-badges/money-skills-old/"},{"title":"Money Skills","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. 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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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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quality","image":"/media/14848/20210907_qmlogo_digital0162.png?width=800\u0026height=450\u0026v=1db8218b4784b10","imageFocus":"Left","imageId":28290,"imageKey":"00000000-0000-0000-0000-000000000000","imageCrop":"Left","gridType":"card","gtmId":"","gtmClass":""}]}],"config":null}]},"url":"/supporters/hsbc-uk/","externalUrl":null,"id":39322,"nodeName":"HSBC UK","type":"sponsor","image":{"url":"/media/13886/hsbc-uk.png","caption":"HSBC UK","type":"png","size":16071,"width":350,"height":350,"altText":"The HSBC UK logo set inside a white circle."},"assets":null,"headerOptions":{"headerTitle":"HSBC UK ","headerSubTitle":"We\u2019re working with HSBC UK to create new, interesting ways for young people to engage with money from an early age, to help them build money skills they\u2019ll use for the rest of their lives.","headerCta":"","headerCtaText":"","headerCtaLink":"","headerBackgroundColour":"ffb4e5","showSEOImage":true,"headerBackgroundImage":null,"quickLinks":[]},"searchDescription":"HSBC UK is supporting the Money Heroes project, which is all about financial education for primary school aged children. ","subHeader":"HSBC UK is supporting the Money Heroes project, which is all about financial education for primary school aged children. ","browserTitle":"HSBC UK","silktide":"eyJjbXMiOiJVbWJyYWNvIiwiZWRpdG9yVXJsIjoiaHR0cHM6Ly9wcm9kLWNtcy5zY291dHMub3JnLnVrLy91bWJyYWNvIy9jb250ZW50L2NvbnRlbnQvZWRpdC8zOTMyMiJ9","canonicalUrl":"https://www.scouts.org.uk/supporters/hsbc-uk/"},"takingItFurther":"\u003Cp\u003EThink about how you could combine this with a hike and some navigation skills. Consider placing the scenarios over a larger area and giving out grid references to find their locations.\u003C/p\u003E","whoIsItFor":"","youthShapedGuidance":"\u003Cp\u003EYoung people could co-create scenario cards based on their own experiences or concerns, leading discussions at each station, and helping to design safe ways to share and reflect on the sensitive topics covered.\u0026nbsp;\u003C/p\u003E","activityTags":[{"id":38508,"name":"Reflecting"},{"id":38507,"name":"Evaluating"}],"roles":[{"id":83902,"name":"Scouts Section Teams"},{"id":83903,"name":"Explorers Section Teams"},{"id":40285,"name":"14 - 25 year olds"},{"id":83896,"name":"Programme Teams"},{"id":39231,"name":"Helpers"}],"sections":[{"name":"Scouts","id":39275,"logo":"","colour":null,"ageRange":""},{"name":"Explorers","id":39276,"logo":"","colour":null,"ageRange":""}],"themes":[{"id":38475,"name":"Communication"},{"id":38469,"name":"Teamwork"}],"searchEngineDescription":"Discover money scams, spot red flags, and learn how to stay safe and seek help in real-life situations.","plannerTimeSlot":30.000000,"safetyAlerts":[{"title":"Outdoor activities","alert":"\u003Cp\u003E\u003Cspan\u003EYou must have permission to use the location. Always check the weather forecast, and inform parents and carers of any change in venue.\u003C/span\u003E\u003Cspan\u003E\u003C/span\u003E\u003C/p\u003E"},{"title":"Online safety","alert":"\u003Cp\u003E\u003Cspan\u003ESupervise young people when they\u2019re online and give them advice about staying safe. 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":30,"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\u003EYou can find guidance for each of the scenarios on this page.\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003EBe careful when placing items in nature and make sure to leave no trace, so any equipment or materials are removed after the activity.\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003ETo set up this activity:\n\u003Cul\u003E\n\u003Cli\u003EChoose an open outdoor area and set up five stations, spaced out in a circle or along a trail. If possible, assign an adult volunteer to each station.\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003EAt each station, place a scenario card, ideally in a waterproof folder. It could be also be attached to a post or tree on a trail.\u003C/li\u003E\n\u003C/ul\u003E\n\u003C/li\u003E\n\u003C/ul\u003E","gtmId":"","gtmClass":""},{"gridType":"accordion","gtmId":"","gtmClass":"","showExpand":true,"items":[{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp\u003EDiscussions about exploitation can be challenging, so here are some useful definitions to help you when you are planning:\u00A0\u003C/p\u003E\n\u003Cul\u003E\n\u003Cli\u003E\u003Cstrong\u003EMoney mule -\u00A0\u003C/strong\u003EA money mule is a name for someone tricked into helping to move the proceeds of serious crime. Scammers make it seem like an easy way to make money, but acting as a money mule is a criminal offence, with serious consequences.\u00A0 (Source: HSBC UK, 2025) You can find more information about the term \u2018money mule\u2019 in\u00A0 HSBC\u0027s \u003Ca rel=\u0022noopener\u0022 href=\u0022https://www.hsbc.co.uk/help/security-centre/what-is-a-money-mule/\u0022 target=\u0022_blank\u0022 title=\u0022What is a money mule? information on HSBC UK website\u0022\u003EWhat is a money mule? information.\u003C/a\u003E\u003C/li\u003E\n\u003C/ul\u003E\n\u003Cul\u003E\n\u003Cli\u003E\u003Cstrong\u003ECriminal exploitation\u003C/strong\u003E \u2013 Criminal exploitation is child abuse where children and young people are manipulated and coerced into committing crimes. \u00A0They might be pressurised into doing things like stealing, storing or carrying drugs, money or weapons. (Source, NSPCC, 2025) You can find \u003Ca rel=\u0022noopener\u0022 href=\u0022https://www.nspcc.org.uk/what-is-child-abuse/types-of-abuse/gangs-criminal-exploitation/\u0022 target=\u0022_blank\u0022 title=\u0022Criminal exploitation and gangs information on NSPCC website\u0022\u003Einformation about criminal exploitation and gangs on the NSPCC website\u003C/a\u003E.\u00A0\u003C/li\u003E\n\u003C/ul\u003E","label":"Helpful definitions and links"}]},{"type":"Promo","cta":"","body":"\u003Cp\u003EThis activity aims to help young people explore real-life situations where they may be pressured or tricked into making unsafe choices around money - particularly being used as a money mule. They\u0027ll learn to recognise red flags (warning signs), understand how emotions can affect decision-making, and build confidence in knowing what to do and who to talk to if something doesn\u2019t feel right.\u003C/p\u003E\n\u003Cp\u003EWorking in teams, young people will follow a trail around five stations. At each station, they\u0027ll explore a different scenario involving money and emotional decision-making. They\u0027ll discuss it together, using some prompt questions provided.\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\u003EManaging Risks and Emotions Associated with Money\u003C/strong\u003E\u003C/p\u003E\n\u003Cul\u003E\n\u003Cli\u003EProtecting my Money\u003C/li\u003E\n\u003Cli\u003EFraud and ID Theft\u003C/li\u003E\n\u003Cli\u003ERisk and Return\u003C/li\u003E\n\u003C/ul\u003E","label":"Links to the financial education planning framework"}]},{"gridType":"RichTextBlock","content":"\u003Ch3\u003ERunning this activity\u003C/h3\u003E\n\u003Col\u003E\n\u003Cli\u003EExplain that you\u2019ll be going on a trail to solve different real-life situations that young people can experience involving money. You could give everyone a map of the trail or point out the different bases.\u0026nbsp;Each team will begin at a different station and move round.\u0026nbsp;\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003EEveryone should get into small groups, then give each group a starting point.\u003C/li\u003E\n\u003Cli\u003EAt each station, someone should read the scenario aloud.\u003C/li\u003E\n\u003Cli\u003EThe team should then discuss what they would do and how they\u2019s feel. They can use the questions provided to help.\u003C/li\u003E\n\u003Cli\u003EContinue until teams have completed the trail by visiting all five stations.\u0026nbsp;\n\u003Cul\u003E\n\u003Cli\u003EIf there\u2019s an adult at each base, if the team correctly spots the main warning sign (or \u2018red flag\u2019), they earn a \u2018red flag\u2019. The team with the most red flag, wins.\u003C/li\u003E\n\u003Cli\u003EIf the bases are self-run, teams could write down their answers and share them at the end. The team with the most correct answers, wins.\u003C/li\u003E\n\u003C/ul\u003E\n\u003C/li\u003E\n\u003Cli\u003EFinish by bringing everyone back together to discuss the scenarios.\u003C/li\u003E\n\u003C/ol\u003E\n\u003Ch3\u003EScenarios and questions\u003C/h3\u003E","gtmId":"","gtmClass":""},{"gridType":"accordion","gtmId":"","gtmClass":"","showExpand":true,"items":[{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp\u003EYou\u2019re chatting with someone at school who\u2019s a bit older. They tell you about an easy way to make \u00A3100. All you have to do is let them use your bank account for a day to hold some money for a cousin who doesn\u2019t have an account. They tell you that \u2018No one will know, it\u2019s not a big deal. You don\u2019t even have to do anything.\u2019\u003C/p\u003E\n\u003Cp\u003E\u003Cstrong\u003EQuestions:\u003C/strong\u003E\u003C/p\u003E\n\u003Cul\u003E\n\u003Cli\u003EHow would this make you feel?\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003EWhat are some red flags in this situation?\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003EWhat could you do instead of saying yes?\u0026nbsp;\u003C/li\u003E\n\u003C/ul\u003E","label":"Scenario 1: Easy cash"},{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp\u003EYou get a message from someone on social media. They\u2019re offering you a job working from home where you help move money between accounts. They tell you that you\u2019ll get paid weekly and it\u2019s all legit. They ask for your bank details to get started.\u0026nbsp;\u003C/p\u003E\n\u003Cp\u003E\u003Cstrong\u003EQuestions:\u0026nbsp;\u003C/strong\u003E\u003C/p\u003E\n\u003Cul\u003E\n\u003Cli\u003EWhy might someone your age be targeted?\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003EWhat might happen if you share your details?\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003EWho could you talk to about this?\u0026nbsp;\u003C/li\u003E\n\u003C/ul\u003E","label":"Scenario 2: Online opportunity"},{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp\u003EA close mate messages you saying they need to send some money to a relative, but can\u2019t use their account because it\u2019s acting up. They ask if they can transfer the money to your account and then you send it on.\u0026nbsp;\u003C/p\u003E\n\u003Cp\u003E\u003Cstrong\u003EQuestions:\u0026nbsp;\u003C/strong\u003E\u003C/p\u003E\n\u003Cul\u003E\n\u003Cli\u003EWould you feel pressured to help?\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003EHow can you help a friend without risking your account?\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003EWhat would you say if you felt unsure?\u0026nbsp;\u003C/li\u003E\n\u003C/ul\u003E","label":"Scenario 3: Friend in trouble"},{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp\u003ESomeone new joins your local youth club. They\u2019ve got designer clothes and talk about how they\u2019re making lots of cash without doing much. They offer to get you in on it and say you just lend them your account for a few hours and you\u2019ll get paid.\u0026nbsp;\u003C/p\u003E\n\u003Cp\u003E\u003Cstrong\u003EQuestions:\u0026nbsp;\u003C/strong\u003E\u003C/p\u003E\n\u003Cul\u003E\n\u003Cli\u003EWhy do you think they\u2019re offering this?\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003EWhat might the risks be?\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003EWhat would make you feel uncomfortable here?\u0026nbsp;\u003C/li\u003E\n\u003C/ul\u003E","label":"Scenario 4: The suave stranger"},{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp\u003EYou get an email that looks like it\u2019s from your older cousin. They say they\u2019ve lost their wallet while travelling and need you to receive some money and send it to them via another app. They say not to tell anyone because it\u2019s embarrassing.\u0026nbsp;\u003C/p\u003E\n\u003Cp\u003E\u003Cstrong\u003EQuestions:\u0026nbsp;\u003C/strong\u003E\u003C/p\u003E\n\u003Cul\u003E\n\u003Cli\u003EHow can you check if this is really your cousin?\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003EWhy might someone pretend to be a family member?\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003EWhat could you do to stay safe?\u0026nbsp;\u003C/li\u003E\n\u003C/ul\u003E","label":"Scenario 5: Family request"}]}]}],"config":null},{"type":"singleColumn","areas":[{"items":[{"gridType":"RichTextBlock","content":"\u003Cp\u003E\u0026nbsp;\u003C/p\u003E\n\u003Ch4\u003EGuidance for running the activity\u003C/h4\u003E","gtmId":"","gtmClass":""},{"gridType":"accordion","gtmId":"","gtmClass":"","showExpand":true,"items":[{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp\u003E\u003Cstrong\u003E1. How would this make you feel?\u003C/strong\u003E\u003C/p\u003E\n\u003Cp\u003ESuggested responses:\u003C/p\u003E\n\u003Cul\u003E\n\u003Cli\u003EConfused, flattered, tempted, unsure, pressured, nervous.\u0026nbsp;\u003C/li\u003E\n\u003C/ul\u003E\n\u003Cp\u003ETop tips:\u003C/p\u003E\n\u003Cul\u003E\n\u003Cli\u003EValidate all feelings. Explain that feeling unsure or flattered is normal, but what matters is thinking things through.\u003C/li\u003E\n\u003C/ul\u003E\n\u003Cp\u003E\u003Cstrong\u003E2. What are some red flags in this situation?\u003C/strong\u003E\u003C/p\u003E\n\u003Cp\u003ESuggested responses:\u003C/p\u003E\n\u003Cul\u003E\n\u003Cli\u003EIt\u2019s someone older offering something secretive.\u003C/li\u003E\n\u003Cli\u003EBeing offered money for doing \u2018nothing.\u2019\u003C/li\u003E\n\u003Cli\u003EBeing told \u2018no one will know.\u2019\u003C/li\u003E\n\u003C/ul\u003E\n\u003Cp\u003ETop tips:\u003C/p\u003E\n\u003Cul\u003E\n\u003Cli\u003EThese are classic tactics used in financial exploitation. Remind them that real opportunities don\u2019t need to be secretive.\u003C/li\u003E\n\u003Cli\u003EExplain that this is called being used as a money mule and it\u0027s illegal. A money mule is a name for someone tricked into helping to move the proceeds of serious crime. Scammers make it seem like an easy way to make money, but acting as a money mule is a criminal offence and has serious consequences. (Source: HSBC UK, 2025)\u003C/li\u003E\n\u003C/ul\u003E\n\u003Cp\u003E\u003Cstrong\u003E3. What could you do instead of saying yes?\u003C/strong\u003E\u003C/p\u003E\n\u003Cp\u003ESuggested responses:\u0026nbsp;\u003C/p\u003E\n\u003Cul\u003E\n\u003Cli\u003ESay no and walk away.\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003ETell a trusted adult, such as a parent, carer or teacher.\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003EBlock and avoid further conversation.\u0026nbsp;\u003C/li\u003E\n\u003C/ul\u003E\n\u003Cp\u003ETop tips:\u003C/p\u003E\n\u003Cul\u003E\n\u003Cli\u003EAsking for help is strong, not weak, and you can use support services, such as Childline or Crimestoppers.\u003C/li\u003E\n\u003C/ul\u003E","label":"Scenario 1: Easy cash - volunteer guidance"},{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp\u003E\u003Cstrong\u003E1. Why might someone your age be targeted?\u0026nbsp;\u003C/strong\u003E\u003C/p\u003E\n\u003Cp\u003ESuggested responses:\u0026nbsp;\u003C/p\u003E\n\u003Cul\u003E\n\u003Cli\u003EYounger people may not recognise scams.\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003EMay be looking for money or a job.\u003C/li\u003E\n\u003Cli\u003EOften trusting and unaware of risks.\u0026nbsp;\u003C/li\u003E\n\u003C/ul\u003E\n\u003Cp\u003ETop tips:\u003C/p\u003E\n\u003Cul\u003E\n\u003Cli\u003ESocial media makes it easy for strangers to get in contact with us and exploit our trust, so it\u2019s important to be wary of unexpected messages, especially if they sound too good to be true.\u0026nbsp;\u003C/li\u003E\n\u003C/ul\u003E\n\u003Cp\u003E\u003Cstrong\u003E2. What might happen if you share your details?\u0026nbsp;\u003C/strong\u003E\u003C/p\u003E\n\u003Cp\u003ESuggested responses:\u0026nbsp;\u003C/p\u003E\n\u003Cul\u003E\n\u003Cli\u003EThey could steal your identity or empty your account.\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003EYou might be part of a crime without knowing it.\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003EIt could damage your future, such as opening bank accounts, jobs or getting a mortgage.\u003C/li\u003E\n\u003C/ul\u003E\n\u003Cp\u003ETop tips:\u003C/p\u003E\n\u003Cul\u003E\n\u003Cli\u003EExplain the consequences clearly, but calmly, so not to scare anyone.\u003C/li\u003E\n\u003C/ul\u003E\n\u003Cp\u003E\u003Cstrong\u003E3. Who could you talk to about this?\u0026nbsp;\u003C/strong\u003E\u003C/p\u003E\n\u003Cp\u003ESuggested responses:\u0026nbsp;\u003C/p\u003E\n\u003Cul\u003E\n\u003Cli\u003EContact an advice service, such as the NSPCC or Childline.\u003C/li\u003E\n\u003Cli\u003EContact Crimestoppers.\u003C/li\u003E\n\u003Cli\u003EReport it to the social media platform.\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003EA trusted adult, such as a parent, carer or teacher.\u003C/li\u003E\n\u003C/ul\u003E\n\u003Cp\u003ETop tips:\u003C/p\u003E\n\u003Cul\u003E\n\u003Cli\u003EIt\u2019s never too late to tell someone and people can always help you. It may be scary, but you won\u2019t get in trouble for telling someone.\u003C/li\u003E\n\u003C/ul\u003E","label":"Scenario 2: Online opportunity - volunteer guidance"},{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp\u003E\u003Cstrong\u003E1. Would you feel pressured to help?\u0026nbsp;\u003C/strong\u003E\u003C/p\u003E\n\u003Cp\u003ESuggested responses:\u003C/p\u003E\n\u003Cul\u003E\n\u003Cli\u003EYes, you\u2019d feel pressured because it\u2019s a friend. I\u2019d want to help them.\u0026nbsp;\u003C/li\u003E\n\u003C/ul\u003E\n\u003Cp\u003ETop tips:\u003C/p\u003E\n\u003Cul\u003E\n\u003Cli\u003EFriendship and loyalty is important, but that shouldn\u2019t make you do something unsafe or illegal.\u003C/li\u003E\n\u003C/ul\u003E\n\u003Cp\u003E\u003Cstrong\u003E2. How can you help a friend without risking your account?\u0026nbsp;\u003C/strong\u003E\u003C/p\u003E\n\u003Cp\u003ESuggested responses:\u0026nbsp;\u003C/p\u003E\n\u003Cul\u003E\n\u003Cli\u003EOffer to go with them to speak to an adult or teacher.\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003ESuggest they speak to a parent, carer or trusted adult.\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003ETell them you\u2019re not comfortable sharing with bank stuff.\u0026nbsp;\u003C/li\u003E\n\u003C/ul\u003E\n\u003Cp\u003ETop tips:\u003C/p\u003E\n\u003Cul\u003E\n\u003Cli\u003EYou can help them without putting yourself at risk. One way of helping can be guiding them to safer choices.\u0026nbsp;\u003C/li\u003E\n\u003C/ul\u003E\n\u003Cp\u003E\u003Cstrong\u003E3. What would you say if you felt unsure?\u0026nbsp;\u003C/strong\u003E\u003C/p\u003E\n\u003Cp\u003ESome suggested responses are:\u003C/p\u003E\n\u003Cul\u003E\n\u003Cli\u003EI don\u2019t think I should get involved with money stuff.\u003C/li\u003E\n\u003Cli\u003ELet\u2019s talk to someone about it.\u003C/li\u003E\n\u003Cli\u003EThat doesn\u2019t feel right to me.\u003C/li\u003E\n\u003C/ul\u003E","label":"Scenario 3: Friend in trouble - volunteer guidance"},{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Col\u003E\n\u003Cli\u003E\u003Cstrong\u003EWhy do you think they\u2019re offering this?\u0026nbsp;\u003C/strong\u003E\u003C/li\u003E\n\u003C/ol\u003E\n\u003Cp\u003ESuggested responses:\u0026nbsp;\u003C/p\u003E\n\u003Cul\u003E\n\u003Cli\u003EThey want to use someone else to do something they don\u2019t want to get caught doing.\u0026nbsp;Criminals often use others to hide their tracks and this is a common tactic.\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003EThey want access to my bank account.\u0026nbsp;\u003C/li\u003E\n\u003C/ul\u003E\n\u003Cp\u003E\u003Cstrong\u003E2. What might the risks be?\u0026nbsp;\u003C/strong\u003E\u003C/p\u003E\n\u003Cp\u003ESuggested responses:\u0026nbsp;\u003C/p\u003E\n\u003Cul\u003E\n\u003Cli\u003EYou could get in trouble with the police.\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003EYou could have money stolen.\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003EYour bank account could be closed and you may be stopped from opening another in the future.\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003EIt could be linked to a crime, such as drug money.\u003C/li\u003E\n\u003C/ul\u003E\n\u003Cp\u003ETop tips:\u003C/p\u003E\n\u003Cul\u003E\n\u003Cli\u003EDiscuss the idea of exploitation, how young people are sometimes used to move money and what you can do, such as who to report it to and what happens if you report it.\u003C/li\u003E\n\u003C/ul\u003E\n\u003Cp\u003E\u003Cstrong\u003E3. What would make you feel uncomfortable here?\u0026nbsp;\u003C/strong\u003E\u003C/p\u003E\n\u003Cp\u003ESuggested responses:\u0026nbsp;\u003C/p\u003E\n\u003Cul\u003E\n\u003Cli\u003EThe peer pressure.\u003C/li\u003E\n\u003Cli\u003EHow easy it is to do.\u003C/li\u003E\n\u003Cli\u003EBeing asked to break the rules.\u003C/li\u003E\n\u003C/ul\u003E\n\u003Cp\u003ETop tips:\u003C/p\u003E\n\u003Cul\u003E\n\u003Cli\u003EAcknowledge and validate any gut feelings, such as scared or discomfort. Our instincts are important and often right.\u0026nbsp;\u003C/li\u003E\n\u003C/ul\u003E","label":"Scenario 4: The suave stranger - volunteer guidance"},{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp\u003E\u003Cstrong\u003E1. How can you check if this is really your cousin?\u0026nbsp;\u003C/strong\u003E\u003C/p\u003E\n\u003Cp\u003ESuggested responses:\u0026nbsp;\u003C/p\u003E\n\u003Cul\u003E\n\u003Cli\u003ECall or message them directly in a way you know, such as via another family member or trusted number.\u003C/li\u003E\n\u003Cli\u003EAsk a parent or carer to help check.\u003C/li\u003E\n\u003C/ul\u003E\n\u003Cp\u003ETop tips:\u003C/p\u003E\n\u003Cul\u003E\n\u003Cli\u003ETalk about phishing and email scams. You could talk about what to spot to tell it may be fake and who you can report it to. Scammers often pretend to be people you know, put pressure on you, need something (usually money) quickly, use slightly different email addresses, sound generic (such as addressed to mum or cousin), and use misspellings or grammatical errors.\u0026nbsp;\u003C/li\u003E\n\u003C/ul\u003E\n\u003Cp\u003E\u003Cstrong\u003E2. Why might someone pretend to be a family member?\u0026nbsp;\u003C/strong\u003E\u003C/p\u003E\n\u003Cp\u003ESuggested responses:\u0026nbsp;\u003C/p\u003E\n\u003Cul\u003E\n\u003Cli\u003ETo trick you into helping.\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003ETo make you trust them more easily.\u0026nbsp;\u003C/li\u003E\n\u003C/ul\u003E\n\u003Cp\u003ETop tips:\u003C/p\u003E\n\u003Cul\u003E\n\u003Cli\u003EScammers often use emotional manipulation. It\u0027s okay to double-check who it is, even if it\u2019s a familiar name.\u0026nbsp;\u003C/li\u003E\n\u003C/ul\u003E\n\u003Cp\u003E\u003Cstrong\u003E3. What could you do to stay safe?\u0026nbsp;\u003C/strong\u003E\u003C/p\u003E\n\u003Cp\u003ESuggested responses:\u0026nbsp;\u003C/p\u003E\n\u003Cul\u003E\n\u003Cli\u003ENever click on any links or share your personal details.\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003ENever send any money.\u003C/li\u003E\n\u003Cli\u003EAvoid replying to the email\u003C/li\u003E\n\u003Cli\u003ETalk to a trusted adult.\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003EReport the message as spam or phishing.\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003ECheck with them in a different contact method, such as phone call.\u003C/li\u003E\n\u003C/ul\u003E\n\u003Cp\u003ETop tips:\u003C/p\u003E\n\u003Cul\u003E\n\u003Cli\u003EIt\u0027s always better to double-check and ask questions. It\u2019s okay to say \u2018Let me check first.\u2019\u003C/li\u003E\n\u003C/ul\u003E","label":"Scenario 5: Family request - volunteer guidance"},{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp\u003EThis activity may touch on sensitive topics, such as food, money or crime, which some young people or their families might be affected by.\u0026nbsp;\u003C/p\u003E\n\u003Cp\u003EConsider the needs and personal circumstances of the young people in your group. If you\u0027re aware of any young people or adult volunteers who\u0027ve been the victim of exploitation, speak with them and their parents or carers beforehand. Check that they\u0027re comfortable with the activity, as the content could be distressing or re-traumatising.\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\u0026nbsp;\u003Ca rel=\u0022noopener\u0022 href=\u0022https://www.scouts.org.uk/volunteers/staying-safe-and-safeguarding/safe-scouting-cards/safeguarding-code-of-conduct-for-adults-yellow-card/\u0022 target=\u0022_blank\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\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":85709,"nodeName":"Go on a cash traps trail","title":"Go on a cash traps trail","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":85722,"url":"/media/jyddja4l/cash-traps-scenarios.pdf","caption":"Cash traps scenarios and questions","type":"pdf","size":90065}],"headerOptions":{"headerTitle":"Go on a cash traps trail","headerSubTitle":null,"headerCta":null,"headerCtaText":null,"headerCtaLink":null,"headerBackgroundColour":null,"showSEOImage":false,"headerBackgroundImage":null,"quickLinks":null},"searchDescription":"Discover money scams, spot red flags, and learn how to stay safe and seek help in real-life situations.","subHeader":"Discover money scams, spot red flags, and learn how to stay safe and seek help in real-life situations.","browserTitle":null,"silktide":"eyJjbXMiOiJVbWJyYWNvIiwiZWRpdG9yVXJsIjoiaHR0cHM6Ly9wcm9kLWNtcy5zY291dHMub3JnLnVrLy91bWJyYWNvIy9jb250ZW50L2NvbnRlbnQvZWRpdC84NTcwOSJ9","canonicalUrl":"https://www.scouts.org.uk/activities/go-on-a-cash-traps-trail/"}