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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. 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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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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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While doing this everyone worked together to create a project plan for a microloan that would help their local community. Had you heard of microloans before? Was there anything about them that surprised you? How do you think they help people? During the planning of your own project, how did you all work together to come up with a project and decide what could be done to help? How do you think this loan would help people in your community? How do you think learning about microloans will help you in the future?\u003C/p\u003E","relatedActivities":null,"setting":[{"id":38381,"name":"Indoors"},{"id":38376,"name":"At home"},{"id":38384,"name":"At camp"}],"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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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":90,"instructions":{"layouts":[{"type":"singleColumn","areas":[{"items":[{"gridType":"RichTextBlock","content":"\u003Cdiv id=\u0022\u0022 class=\u0022content-root mb-5\u0022\u003E\n\u003Ch3 class=\u0022Paragraph SCXW254455912 BCX8\u0022\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\u0027s also more guidance to help you carry out your\u00A0\u003Ca rel=\u0022noopener\u0022 href=\u0022/volunteers/staying-safe-and-safeguarding/risk-assessments/\u0022 target=\u0022_blank\u0022 title=\u0022Risk assessments\u0022 class=\u0022Hyperlink SCXW254455912 BCX8\u0022\u003Erisk assessment\u003C/a\u003E, including examples.\u00A0\u00A0\u003C/li\u003E\n\u003Cli\u003EMake sure all young people and adults involved in the activity know how to take part safely.\u00A0\u003C/li\u003E\n\u003Cli\u003EMake sure you have enough adult helpers. You may need some parents and carers to help. \u00A0\u003C/li\u003E\n\u003C/ul\u003E\n\u003C/div\u003E\n\u003Cdiv id=\u0022\u0022 class=\u0022content-root mb-5\u0022\u003E\n\u003Ch3\u003EPlanning and setting up this activity\u00A0\u003C/h3\u003E\n\u003Cul\u003E\n\u003Cli\u003EPrint off copies of the case studies, with one for each group.\u003C/li\u003E\n\u003C/ul\u003E\n\u003C/div\u003E","gtmId":"","gtmClass":""}]}],"config":null},{"type":"fullWidth","areas":[{"items":[{"type":"Promo","cta":"","body":"\u003Cp\u003E\u003Cspan class=\u0022NormalTextRun SCXW39846790 BCX0\u0022\u003EIntroduce Explorer Scouts to the concept of microloans and how small financial contributions can create a big impact in local or global communities. By researching real-life examples and working in teams to design their own microloan project, Explorers will develop their understanding of social enterprise and explore how they can support others in a sustainable and empowering way.\u003C/span\u003E\u0026nbsp;\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 dir=\u0022ltr\u0022\u003E\u003Cstrong\u003E\u003Cspan class=\u0022lexicalTextBold--2D7lm\u0022\u003EHow to manage money\u003C/span\u003E\u003C/strong\u003E\u003C/p\u003E\n\u003Cul class=\u0022lexicalUnorderedList--2yqyN\u0022\u003E\n\u003Cli class=\u0022lexicalListItem--2sxW3\u0022\u003EPlanning saving and borrowing\u003C/li\u003E\n\u003Cli class=\u0022lexicalListItem--2sxW3\u0022\u003EManaging Risk\u003C/li\u003E\n\u003Cli class=\u0022lexicalListItem--2sxW3\u0022\u003EPaying, borrowing and saving\u003C/li\u003E\n\u003C/ul\u003E\n\u003Cp dir=\u0022ltr\u0022\u003E\u003Cstrong\u003E\u003Cspan class=\u0022lexicalTextBold--2D7lm\u0022\u003EUnderstanding the Important Role Money \u003C/span\u003E\u003Cspan class=\u0022lexicalTextBold--2D7lm\u0022\u003Eplays in our lives\u003C/span\u003E\u003C/strong\u003E\u003C/p\u003E\n\u003Cul class=\u0022lexicalUnorderedList--2yqyN\u0022\u003E\n\u003Cli class=\u0022lexicalListItem--2sxW3\u0022\u003EPersonal and economic links with the wider world\u003C/li\u003E\n\u003C/ul\u003E","label":"Links to the financial education planning framework"},{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp\u003EThis activity may touch on sensitive topics.\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\u00A0\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\u003EThe\u00A0\u003Ca rel=\u0022noopener\u0022 href=\u0022https://www.trusselltrust.org/\u0022 target=\u0022_blank\u0022\u003ETrussell Trust\u003C/a\u003E\u00A0is a great place to start\u00A0\u003Ca rel=\u0022noopener\u0022 href=\u0022https://www.trussell.org.uk/emergency-food\u0022 target=\u0022_blank\u0022\u003Elooking for a food bank near you\u003C/a\u003E.\u00A0You can find details of\u00A0\u003Ca rel=\u0022noopener\u0022 href=\u0022https://www.foodaidnetwork.org.uk/our-members\u0022 target=\u0022_blank\u0022\u003Eindependent food banks\u003C/a\u003E\u00A0online. The UK Government have some\u00A0\u003Ca rel=\u0022noopener\u0022 href=\u0022https://www.gov.uk/debt-advice\u0022 target=\u0022_blank\u0022\u003Edebt advice support\u003C/a\u003E\u00A0too.\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},{"type":"singleColumn","areas":[{"items":[{"gridType":"RichTextBlock","content":"\u003Cdiv id=\u0022\u0022 class=\u0022content-root mb-5\u0022\u003E\n\u003Ch3\u003E\u0026nbsp;\u003C/h3\u003E\n\u003Ch3\u003ELearning about micro loans\u003C/h3\u003E\n\u003Col\u003E\n\u003Cli\u003EGather everyone together, then split them into small groups.\u003C/li\u003E\n\u003Cli\u003EExplain to everyone that a bank loan is a long-term source of finance. It is a fixed amount of money that is given to a business by a bank and has to be repaid over time. A small loan is called a microloan. They\u2019re often as small as \u00A3100 and are usually given to entrepreneurs in developing countries to help them work their way out of poverty.\u003C/li\u003E\n\u003Cli\u003E\u003Cspan class=\u0022NormalTextRun SCXW99339309 BCX0\u0022\u003ERead the two case studies. \u003C/span\u003E\u003C/li\u003E\n\u003Cli\u003EIn groups, chat about each case study. You could talk about the impact each loan had, whether the person could have achieved what they did without the loan, and whether you think anything like this could work in your community.\u003C/li\u003E\n\u003Cli\u003ENext, ask groups to do some research and see if they can find the answers to these questions:\u003Cbr\u003E\n\u003Cul\u003E\n\u003Cli\u003E\u003Cspan class=\u0022NormalTextRun SCXW99339309 BCX0\u0022\u003EWhat\u2019s a microloan?\u003C/span\u003E\u003C/li\u003E\n\u003Cli\u003E\u003Cspan class=\u0022NormalTextRun SCXW99339309 BCX0\u0022\u003EWho uses microloans, and why?\u003C/span\u003E\u003C/li\u003E\n\u003Cli\u003E\u003Cspan class=\u0022NormalTextRun SCXW99339309 BCX0\u0022\u003EWhat organisations run microloan schemes?\u0026nbsp;\u003C/span\u003E\u003Cspan class=\u0022NormalTextRun SCXW99339309 BCX0\u0022\u003ESome examples of website you could look at include \u003C/span\u003E\u003Cspan class=\u0022NormalTextRun SCXW99339309 BCX0\u0022\u003E\u003Ca rel=\u0022noopener\u0022 href=\u0022https://www.kiva.org/\u0022 target=\u0022_blank\u0022 title=\u0022The Global Microloan Platform\u0022\u003Ethe Global Microloan Platform\u003C/a\u003E, \u003Ca rel=\u0022noopener\u0022 href=\u0022https://lendwithcare.org/\u0022 target=\u0022_blank\u0022 title=\u0022Lend with care website\u0022\u003ELend with Care\u003C/a\u003E and \u003Ca rel=\u0022noopener\u0022 href=\u0022https://www.microloanfoundation.org.uk/\u0022 target=\u0022_blank\u0022 title=\u0022The microloan foundation website\u0022\u003Ethe Microloan Foundation\u003C/a\u003E.\u003C/span\u003E\u003C/li\u003E\n\u003Cli\u003E\u003Cspan class=\u0022NormalTextRun SCXW99339309 BCX0\u0022\u003EWhat are some examples of successes?\u003C/span\u003E\u003C/li\u003E\n\u003C/ul\u003E\n\u003C/li\u003E\n\u003C/ol\u003E\n\u003Ch3\u003E\u003Cspan class=\u0022NormalTextRun SCXW99339309 BCX0\u0022\u003EPlan your project\u003C/span\u003E\u003C/h3\u003E\n\u003Col\u003E\n\u003Cli\u003EWhen everyone has completed their research, talk through the answers together.\u003C/li\u003E\n\u003Cli\u003E\u003Cspan class=\u0022NormalTextRun SCXW99339309 BCX0\u0022\u003ENow it\u2019s time to see how you could use micro-loans. \u0026nbsp;\u003C/span\u003E\u003C/li\u003E\n\u003Cli\u003EEach group needs to think of a project that would help others and plan how a microloan would help them achieve their goals. For example, they may wish to fundraise for Scouts but need a microloan to buy materials and equipment.\u003C/li\u003E\n\u003Cli\u003EWhile planning, they should consider these questions:\u003C/li\u003E\n\u003C/ol\u003E\n\u003Cul\u003E\n\u003Cli style=\u0022list-style-type: none;\u0022\u003E\n\u003Cul\u003E\n\u003Cli\u003E\u003Cspan class=\u0022NormalTextRun SCXW99339309 BCX0\u0022\u003EWho do they want to help? (This could be local or global)\u003C/span\u003E\u003C/li\u003E\n\u003Cli\u003E\u003Cspan class=\u0022NormalTextRun SCXW99339309 BCX0\u0022\u003EHow would a microloan help them?\u003C/span\u003E\u003C/li\u003E\n\u003Cli\u003E\u003Cspan class=\u0022NormalTextRun SCXW99339309 BCX0\u0022\u003EHow much money would they need?\u003C/span\u003E\u003C/li\u003E\n\u003Cli\u003E\u003Cspan class=\u0022NormalTextRun SCXW99339309 BCX0\u0022\u003EHow would they repay the loan and is this manageable?\u003C/span\u003E\u003C/li\u003E\n\u003Cli\u003E\u003Cspan class=\u0022NormalTextRun SCXW99339309 BCX0\u0022\u003EHow would we as Scouts help make this happen? For example fundraising, spreading awareness, working with a charity.\u003C/span\u003E\u003C/li\u003E\n\u003C/ul\u003E\n\u003C/li\u003E\n\u003C/ul\u003E\n\u003Col start=\u00224\u0022\u003E\n\u003Cli\u003E\u003Cspan class=\u0022NormalTextRun SCXW99339309 BCX0\u0022\u003EWhen everyone has finished planning, come back together as a whole group.\u003C/span\u003E\u003C/li\u003E\n\u003Cli\u003E\u003Cspan class=\u0022NormalTextRun SCXW99339309 BCX0\u0022\u003ELet each group share their project idea with everyone else.\u0026nbsp;\u003C/span\u003E\u003C/li\u003E\n\u003Cli\u003EYou could link up with a local business or create a local Scout \u2018loan pot\u2019 to help young people become entrepreneurs in their local community. Each group could take out a microloan, then run their project and see how much money they can raise. They\u2019d need to pay back the loan at the end, with any remaining profits being used to help a charity, collect donations, or be reinvested into Scouts.\u003C/li\u003E\n\u003C/ol\u003E\n\u003C/div\u003E","gtmId":"","gtmClass":""}]}],"config":null}]},"ownerAuthor":null,"porRules":null,"id":86110,"nodeName":"Microloan mission","title":"Microloan mission","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":86112,"url":"/media/yhxlygnf/microloan-mission-case-studies.pdf","caption":"Microloan Mission Case Studies","type":"pdf","size":62308}],"headerOptions":{"headerTitle":"Microloan mission","headerSubTitle":null,"headerCta":null,"headerCtaText":null,"headerCtaLink":null,"headerBackgroundColour":null,"showSEOImage":false,"headerBackgroundImage":null,"quickLinks":null},"searchDescription":"Discover what microloans are and plan how one could help a project in your local area","subHeader":"Discover what microloans are and plan how one could help a project in your local area","browserTitle":null,"silktide":"eyJjbXMiOiJVbWJyYWNvIiwiZWRpdG9yVXJsIjoiaHR0cHM6Ly9wcm9kLWNtcy5zY291dHMub3JnLnVrLy91bWJyYWNvIy9jb250ZW50L2NvbnRlbnQvZWRpdC84NjExMCJ9","canonicalUrl":"https://www.scouts.org.uk/activities/microloan-mission/"}