{"activityType":[{"id":38377,"name":"Practical skills"}],"activityCategory":"Activity","completionTime":"30","cost":"Free","energy":"Focusing","equipmentList":[{"id":38295,"name":"Pens or pencils","description":"","type":"general"},{"id":38356,"name":"A4 paper","description":"","type":"general"},{"id":0,"name":null,"description":"Scenario cards","type":"specific"}],"adjustments":"","firstProvidedBy":"","flexibilityStatement":"","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}],"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. 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 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Can anyone remember what might tell us something is a scam? Often they might ask for personal details, ask us for money, be a competition we don\u2019t remember entering, having misspellings or errors, logos that are old or don\u2019t look right, put pressure on us to act quickly, have suspicious links or email addresses, or offer us something that sounds too good to be true.\u003C/p\u003E\n\u003Cp\u003EWhy do you think people might get caught out by scams? Do you think avoiding scams is easy? Sometimes it can be really tricky, especially if they\u2019re pretending to be another company and using their profile pictures or a legitimate looking email address.\u003C/p\u003E\n\u003Cp\u003EWhat can you do to try to avoid being caught by a scam? 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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 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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","plannerTimeSlot":30.000000,"safetyAlerts":[{"title":"Active games","alert":"\u003Cp\u003E\u003Cspan\u003EThe game area should be free of hazards. Explain the rules of the game clearly and have a clear way to communicate that the game must stop when needed. Take a look at our guidance on \u003Ca href=\u0022/volunteers/staying-safe-and-safeguarding/safety/planning-and-assessing-risk/running-active-and-wide-games/\u0022 title=\u0022Running active and wide games\u0022\u003Erunning active games safely\u003C/a\u003E.\u003C/span\u003E\u003Cspan\u003E\u003C/span\u003E\u003C/p\u003E"},{"title":"Outdoor activities","alert":"\u003Cp\u003E\u003Cspan\u003EYou must have permission to use the location. 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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. 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There\u0027s also more guidance to help you carry out your \u003Ca rel=\u0022noopener\u0022 href=\u0022https://www.scouts.org.uk/volunteers/staying-safe-and-safeguarding/risk-assessments/\u0022 target=\u0022_blank\u0022 class=\u0022Hyperlink SCXW254455912 BCX8\u0022\u003Erisk assessment\u003C/a\u003E, including examples.\u0026nbsp;\u0026nbsp;\u003C/li\u003E\n\u003Cli class=\u0022Paragraph SCXW254455912 BCX8\u0022\u003EMake sure all young people and adults involved in the activity know how to take part safely.\u0026nbsp;\u003C/li\u003E\n\u003Cli class=\u0022Paragraph SCXW254455912 BCX8\u0022\u003EMake sure you have enough adult helpers. You may need some parents and carers to help.\u0026nbsp;\u003C/li\u003E\n\u003C/ul\u003E","gtmId":"","gtmClass":""},{"gridType":"RichTextBlock","content":"\u003Ch3\u003EPlanning and setting up this activity\u0026nbsp;\u003C/h3\u003E\n\u003Cul\u003E\n\u003Cli\u003EEach card should have a scenario and four possible answers written on it. You could use the scenarios on this page.\u003C/li\u003E\n\u003Cli\u003EHide the scam scenario cards before the session starts.\u003C/li\u003E\n\u003Cli\u003EMake sure not to include the actual answer on each card.\u003C/li\u003E\n\u003Cli\u003EYou may want to have a separate list of the correct answers.\u003C/li\u003E\n\u003C/ul\u003E","gtmId":"","gtmClass":""},{"type":"Promo","cta":"","body":"\u003Cp\u003EThe aim of this activity is to teach the young people how to recognise common financial scams, understand the emotions involved, and learn how to protect themselves by making informed decisions. Try to create a safe, open environment where the young people can ask questions or express any concerns they may have about the topic of scams.\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 Risk 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\u003EAsk everyone to get into small groups.\u003C/li\u003E\n\u003Cli\u003EGive each team a base, such as a cone or hoop.\u003C/li\u003E\n\u003Cli\u003EExplain that everyone needs to search for cards hidden in the space and bring them back to their base. They can only carry one card at a time each and should take it back to their base once found. Each card that a team finds is worth 5 points.\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003EGive the teams several minutes to search the area and find as many cards as they can.\u003C/li\u003E\n\u003Cli\u003EOnce you\u2019ve finished searching, count up how many cards (and points) each team has and make a note of the score.\u003C/li\u003E\n\u003Cli\u003EGather all the cards back together.\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003EGive each team pens and paper.\u003C/li\u003E\n\u003Cli\u003ERead each scenario aloud to the group.\u003C/li\u003E\n\u003Cli\u003EEach team must decide which answer they think is correct.\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003EThe teams should then write down the answer that they think is correct. You could also get people to hold up cards with the answer on (A, B, C or D) or someone from each team could move to a corner that represents their chosen letter.\u003C/li\u003E\n\u003Cli\u003EFor each correct answer, the team gets 2 points.\u003C/li\u003E\n\u003Cli\u003EAfter each question, tell everyone the correct answer and read out the explanation.\u0026nbsp;\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003EMake sure to keep a note of the scores. You could also give out bonus points for good listening, teamwork or communication.\u003C/li\u003E\n\u003Cli\u003EThe team with the most points, wins. \u0026nbsp;\u003C/li\u003E\n\u003C/ol\u003E","gtmId":"","gtmClass":""},{"gridType":"RichTextBlock","content":"\u003Ch3\u003EScenarios\u003C/h3\u003E","gtmId":"","gtmClass":""}]}],"config":null},{"type":"fullWidth","areas":[{"items":[{"gridType":"accordion","gtmId":"","gtmClass":"","showExpand":true,"items":[{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp\u003EYou\u2019re playing an online game and a message pops up saying you\u2019ve won a free gift. To claim it, you need to send \u00A35 to unlock it.\u0026nbsp;\u003C/p\u003E\n\u003Col style=\u0022list-style-type: upper-alpha;\u0022\u003E\n\u003Cli\u003EIgnore the message and check with a trusted adult if it\u2019s real.\u003C/li\u003E\n\u003Cli\u003ESend \u00A35 to get the gift.\u003C/li\u003E\n\u003Cli\u003EClick on the link and type in your personal details to claim the gift.\u003C/li\u003E\n\u003Cli\u003EShare the message with all your friends to help them get the free gift.\u0026nbsp;\u003C/li\u003E\n\u003C/ol\u003E\n\u003Cp\u003E\u003Cstrong\u003ECorrect answer: \u003C/strong\u003EA\u003C/p\u003E\n\u003Cp\u003EScams often promise something \u2018free\u2019 but ask for money or personal information. Never share your details or click on links you\u0027re not sure about. If something sounds too good to be true, it probably is. Always check with a trusted adult first.\u003C/p\u003E","label":"Scenario 1: The free game gift"},{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp\u003EYou receive a letter from a local charity with a QR code asking you to scan it to donate money. The letter looks official.\u0026nbsp;\u003C/p\u003E\n\u003Col style=\u0022list-style-type: upper-alpha;\u0022\u003E\n\u003Cli\u003EScan the QR code and make a donation immediately.\u003C/li\u003E\n\u003Cli\u003EDon\u2019t scan the code and check with the charity to verify it\u2019s real.\u003C/li\u003E\n\u003Cli\u003ESubmit your mum\u2019s bank details to the charity on the link. She\u2019d want to support them.\u003C/li\u003E\n\u003Cli\u003EShare the letter with your friends to get their opinion on whether it\u2019s a scam.\u0026nbsp;\u003C/li\u003E\n\u003C/ol\u003E\n\u003Cp\u003E\u003Cstrong\u003ECorrect answer\u003C/strong\u003E: B\u003C/p\u003E\n\u003Cp\u003EAlways make sure a letter, email, or donation request is real by checking with the sender before giving money or sharing personal details. Be careful as QR codes or buttons and links in emails can take you to fake websites that try to steal your information.\u003C/p\u003E","label":"Scenario 2: The fake QR code"},{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp\u003EYou get an email from a local company saying you\u2019ve won \u00A31,000 in a competition, but you don\u2019t remember entering. You\u2019re asked to provide your bank details to claim the prize.\u0026nbsp;\u003C/p\u003E\n\u003Col style=\u0022list-style-type: upper-alpha;\u0022\u003E\n\u003Cli\u003EIgnore the email and report it to an adult or trusted authority.\u003C/li\u003E\n\u003Cli\u003ESend your bank details straight away to claim your money.\u003C/li\u003E\n\u003Cli\u003EReply to the email to ask for more details before sending any money.\u003C/li\u003E\n\u003Cli\u003EShare the email with your friends to ask if they\u2019ve received it too.\u0026nbsp;\u003C/li\u003E\n\u003C/ol\u003E\n\u003Cp\u003E\u003Cstrong\u003ECorrect answer\u003C/strong\u003E: A\u003C/p\u003E\n\u003Cp\u003EReal companies will never ask for private information, such as your bank details, in an email. If something seems strange or too good to be true, don\u2019t click on any links or enter your information. If you do by mistake, always tell a trusted adult right away.\u003C/p\u003E","label":"Scenario 3: The winning prize scam "},{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp\u003EYou see an offer on social media saying you can get the latest smartphone for just \u00A310. However, you have to pay in advance and it\u2019s only available for a limited time.\u0026nbsp;\u003C/p\u003E\n\u003Col style=\u0022list-style-type: upper-alpha;\u0022\u003E\n\u003Cli\u003EPay the \u00A310 and wait for the phone to arrive.\u003C/li\u003E\n\u003Cli\u003ETell your friends, so they can buy the same phone with a better deal\u003C/li\u003E\n\u003Cli\u003EContact the seller directly and give them your bank details.\u003C/li\u003E\n\u003Cli\u003ELook up reviews or search online to check if the offer is real.\u0026nbsp;\u003C/li\u003E\n\u003C/ol\u003E\n\u003Cp\u003E\u003Cstrong\u003ECorrect answer\u003C/strong\u003E: D\u003C/p\u003E\n\u003Cp\u003EBefore buying anything online, research the seller and check reviews to make sure it\u2019s legitimate. If a deal sounds too good to be true, it probably is. When in doubt, talk to a trusted adult before handing over your money or personal information.\u003C/p\u003E","label":"Scenario 4: The social media advert"},{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp\u003EA friend shares a post on social media asking for donations to a charity. However, the charity doesn\u2019t have an official website or registered details.\u0026nbsp;\u003C/p\u003E\n\u003Col style=\u0022list-style-type: upper-alpha;\u0022\u003E\n\u003Cli\u003EDonate money directly to the charity via the information in the post.\u003C/li\u003E\n\u003Cli\u003EContact the friend and ask if they know more about the charity, or search for it online.\u003C/li\u003E\n\u003Cli\u003EShare the post with your friends to increase awareness.\u003C/li\u003E\n\u003Cli\u003EIgnore the post and block the account that shared it.\u0026nbsp;\u003C/li\u003E\n\u003C/ol\u003E\n\u003Cp\u003E\u003Cstrong\u003ECorrect Answer\u003C/strong\u003E: B\u003C/p\u003E\n\u003Cp\u003EAlways double-check charity requests before donating. Make sure the charity has an official website and is properly registered. If you\u0027re unsure, talk to a trusted adult before giving any money or personal details.\u003C/p\u003E","label":"Scenario 5: Social media charity requests"},{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp\u003EYou see get a message on social media saying you\u2019ve won a huge prize in an online competition you don\u2019t remember entering. To claim your prize, you\u2019re asked to provide your personal information and pay a small processing fee.\u0026nbsp;\u003C/p\u003E\n\u003Col style=\u0022list-style-type: upper-alpha;\u0022\u003E\n\u003Cli\u003EGive your personal information and pay the fee to claim the prize.\u003C/li\u003E\n\u003Cli\u003EShare the post with your friends, so they can win too.\u003C/li\u003E\n\u003Cli\u003EIgnore the post and tell a trusted adult about it or report it to the social media platform.\u003C/li\u003E\n\u003Cli\u003EReply and ask the competition organiser directly if it\u2019s real.\u0026nbsp;\u003C/li\u003E\n\u003C/ol\u003E\n\u003Cp\u003E\u003Cstrong\u003ECorrect Answer\u003C/strong\u003E: C\u003C/p\u003E\n\u003Cp\u003EReal contests won\u2019t ask you to pay upfront or share personal info like your bank details to claim a prize. If you get a message that seems suspicious (especially if it pressures you to act fast or promises something amazing) stop and think.\u003C/p\u003E\n\u003Cp\u003ENever click on links, download attachments, or reply with personal information. Always double-check the source and talk to a trusted adult if you\u2019re unsure. If you\u2019ve already clicked or shared information, let someone know right away so they can help you stay safe.\u0026nbsp;\u003C/p\u003E\n\u003Cp\u003EThe organiser may also be a fake profile or someone impersonating the real brand. They can\u2019t be trusted to verify if the competition is real.\u0026nbsp;\u003C/p\u003E","label":"Scenario 6: Fake social media competition"},{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp\u003EYou download a free app that promises lots of fun features. However, after you install it, you realise you need to pay for to get full access to the app. It encourages you to make small in-app purchases to unlock different features or items.\u00A0\u003C/p\u003E\n\u003Col style=\u0022list-style-type: upper-alpha;\u0022\u003E\n\u003Cli\u003EKeep making small purchases to access all the features.\u003C/li\u003E\n\u003Cli\u003EClose the app and delete it from your device.\u003C/li\u003E\n\u003Cli\u003EShare the app with your cousin.\u00A0\u003C/li\u003E\n\u003Cli\u003EContact the app developer to ask for a refund on the purchases.\u00A0\u003C/li\u003E\n\u003C/ol\u003E\n\u003Cp\u003E\u003Cstrong\u003ECorrect Answer\u003C/strong\u003E: B\u003C/p\u003E\n\u003Cp\u003ESome free apps may try to trick you into spending money or sharing personal information. Always read the app\u2019s details and reviews before downloading, check the app permissions to see what info it can access, avoid unnecessary purchases, and ask a trusted adult if you\u2019re unsure.\u003C/p\u003E","label":"Scenario 7: The \u2018free\u2019 app with in-app purchases"},{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp\u003EYou\u2019re shopping for a new pair of trainers online. A website offers a huge discount, but when you check the reviews, they all seem suspiciously positive. The website doesn\u2019t have a secure connection.\u0026nbsp;\u003C/p\u003E\n\u003Col style=\u0022list-style-type: upper-alpha;\u0022\u003E\n\u003Cli\u003EGo ahead and buy the trainers because the deal looks great.\u003C/li\u003E\n\u003Cli\u003EContact the website directly and ask them if the sale is legitimate.\u003C/li\u003E\n\u003Cli\u003EShare the link with your sibling to show them the great deal.\u003C/li\u003E\n\u003Cli\u003ELook up independent reviews of the website or check for secure payment methods before purchasing.\u0026nbsp;\u003C/li\u003E\n\u003C/ol\u003E\n\u003Cp\u003E\u003Cstrong\u003ECorrect Answer\u003C/strong\u003E: D\u003C/p\u003E\n\u003Cp\u003EAlways check reviews and make sure the website is secure (look for \u2018https\u2019 and a padlock) before buying anything online. You should always use safe payment methods, avoid public Wi-Fi when shopping, and if a deal seems too good to be true, it probably is\u2014when in doubt, ask a trusted adult for help.\u003C/p\u003E","label":"Scenario 8: Fake online shopping store"},{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp\u003EYou receive an email that looks like it\u2019s from your bank. It says you\u2019ve won a large cash prize. To claim it, you need to provide your bank account details. The email looks official and includes a link to what seems like the bank\u2019s website.\u003C/p\u003E\n\u003Col style=\u0022list-style-type: upper-alpha;\u0022\u003E\n\u003Cli\u003EIgnore the email and call your bank\u2019s official phone number to ask if it\u2019s real.\u003C/li\u003E\n\u003Cli\u003EClick the link, log in to your bank account, and provide your details to claim your prize.\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003EForward the email to all your friends to tell them about your prize.\u003C/li\u003E\n\u003Cli\u003EReply to the email and ask for more details before acting on it.\u0026nbsp;\u003C/li\u003E\n\u003C/ol\u003E\n\u003Cp\u003E\u003Cstrong\u003ECorrect Answer\u003C/strong\u003E: A\u003C/p\u003E\n\u003Cp\u003EReal banks never ask for personal information, such as passwords, PINs or card details via text or email. If you get a message asking for this, don\u2019t reply or click any links. Instead, contact your bank directly using a phone number or website you know is genuine. Always keep your passwords private, never share them, and use strong, unique passwords for your accounts.\u003C/p\u003E","label":"Scenario 9: Prize money email from \u2018your Bank\u2019"},{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp\u003EYou see a job post offering you a part-time job that sounds perfect for you. The message says you can start immediately and you\u2019ll make a lot of money. However, they ask you to send money for a \u2018training course\u2019 before you can start working.\u0026nbsp;\u003C/p\u003E\n\u003Col style=\u0022list-style-type: upper-alpha;\u0022\u003E\n\u003Cli\u003EPay the money for the training course and get ready to start your new job.\u003C/li\u003E\n\u003Cli\u003EIgnore the job and report it to the website/platform.\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003EReply to the job and ask if you can start working without paying.\u003C/li\u003E\n\u003Cli\u003EForward the job offer to your friends to see if they want to apply too.\u0026nbsp;\u003C/li\u003E\n\u003C/ol\u003E\n\u003Cp\u003E\u003Cstrong\u003ECorrect Answer\u003C/strong\u003E: B\u003C/p\u003E\n\u003Cp\u003EReal employers don\u2019t ask you to pay money upfront to get hired. If a job offer seems suspicious or asks for money upfront, such as for a training course, talk to a trusted adult and report it right away.\u003C/p\u003E","label":"Scenario 10: Fake job offer "},{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp\u003EThis activity may touch on sensitive topics, such as food, money or food banks, which some young people or their families might be affected by.\u0026nbsp;\u003C/p\u003E\n\u003Cp\u003EIt\u2019s important to create a safe, positive and supportive space where everyone feels comfortable. Let everyone know it\u2019s okay to ask questions, say if they feel unsure, or step away at any time. Always follow the \u003Ca 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\u0026nbsp;\u003Ca rel=\u0022noopener\u0022 href=\u0022https://www.trusselltrust.org/\u0022 target=\u0022_blank\u0022\u003ETrussell Trust\u003C/a\u003E is a great place to start \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.\u0026nbsp;You can find details of\u0026nbsp;\u003Ca rel=\u0022noopener\u0022 href=\u0022https://www.foodaidnetwork.org.uk/our-members\u0022 target=\u0022_blank\u0022\u003Eindependent food banks\u003C/a\u003E online. The UK Government have some\u0026nbsp;\u003Ca rel=\u0022noopener\u0022 href=\u0022https://www.gov.uk/debt-advice\u0022 target=\u0022_blank\u0022\u003Edebt advice support\u003C/a\u003E too.\u003C/p\u003E\n\u003Cp\u003EMake sure that all adult volunteers and young leaders keep all discussions age-appropriate and supportive.\u003C/p\u003E","label":"Create a safe and supportive space when talking about money"}]}]}],"config":null}]},"ownerAuthor":null,"porRules":null,"id":85710,"nodeName":"Scam stoppers","title":"Scam stoppers","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":[],"headerOptions":{"headerTitle":"Scam stoppers","headerSubTitle":null,"headerCta":null,"headerCtaText":null,"headerCtaLink":null,"headerBackgroundColour":null,"showSEOImage":false,"headerBackgroundImage":null,"quickLinks":null},"searchDescription":"Learn how to recognise common financial scams, understand the emotions involved and how to protect yourself by making informed decisions. 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