TCT Just Finance

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Our Covid-19 response:

In response to Covid-19, our work has changed to focus almost exclusively on equipping people to understand the new help and support available for their finances in these difficult times.

This is mainly based on THREE main areas of work:

1) Covid Cash Recovery (CCR)

the Covid Cash Recovery course is a free, non-advisory information/signposting workshop that aims to prevent financial challenges posed by Coronavirus from creating crisis in local communities.

TCT co-designed CCR with: Compassionate Communities (previously Capital Mass) and the Just Finance Foundation

CCR aims to prevent the financial challenges posed by the Coronavirus from causing crisis in local communities.

2) Preventing Shocking Debt

Our Preventing Shocking Debt project is funded by the National Lottery Communities Fund.

Our worker Gurj is researching how people got into problem debt and working with a team of artist and graphic designers to see how we could get the right information to people at the right time to prevent shocking debt.

Virtual Coffee Mornings

3) Virtual Coffee Mornings

A DROP-IN VIRTUAL COFFEE MORNING FOR THOSE WHO ARE HELPING OTHERS AROUND MONEY, DEBT AND FINANCES.

We meet weekly, every Thursday, from 10-11am on zoom.

You’re welcome to come once, whenever you can, or every week; pop in for 10 mins or as long as you can.

All are welcome, whether it’s part of your job, or you are volunteering. If you are supporting other people who are struggling with money, or have issues of debt, please join us!

Sometimes we chat about how we are doing; we swap tips and information; we get to know each other, we network and share.

It’s a place to chat, network and just have a breather.

Bring your own coffee: there is always laughter!

This session is run in partnership with our friends at Compassionate Communities, based in the Diocese of London.

These sessions are open to people working anywhere across the country.

To join, click on the zoom link here

(you don’t need to download anything, it will open in your internet browser)

Or join with:

passcode 862 9476 0368

password: 154934

Our normal work covers eight areas:

These are:

1) Teaching Financial Skills

We organise sessions to teach people about budgeting and money management, and to help build their financial confidence.

We run the Cash Smart Credit Savvy programme across the Black Country.

Important Programme Update:

Due to the Coronavirus, the Just Finance Foundation have incorporated elements of Cash Smart Credit Savvy into our COVID Cash Course, tailoring and updating the content so it is relevant for the current climate.

If you wish to be trained to deliver a workshop on budgeting, saving and entitlements, then we recommend you sign up for a COVID Cash Course train-the-trainer session.

We also run this regularly in partnership with whg, one of the Midlands leading providers of high quality homes (owning and managing around 21,000 properties across the Midlands).

Cash Smart Credit Savvy was co-produced by our team and covers five key themes:

1. Savvy Shopping
2. Building a Budget
3. Credit and Loans
4. Debt
5. Savings

2) Explaining Universal Credit

We also co-produced the UCSavvy resource to support and equip people in navigating the complexities of welfare changes.

This is also run regularly in partnership with whg, as well as running session with locla partners and DWP.

#WorkingTogether

This video explores the partnership between our Just Finance Black Country work and local community hub The THOMAS Project.

3) Raising awareness of Loan Sharks

Loan sharks operate illegally, without the correct permissions from the Financial Conduct Authority. These criminals usually appear friendly at first but quickly trap their borrowers into spiralling debt. As the debts can’t legally be enforced, many lenders will resort to the most extreme methods to collect money from victims.

We raise awareness of this by partnering with the England Illegal Money Lending Team (IMLT).

We have run a number of training sessions across the Black Country, and are currently working with councils and other local groups to sign up to an anti-loan shark charter to stop unscrupulous lenders taking advantage of vulnerable people.

So far, we have worked with City of Wolverhampton Council (see the video below) and Sandwell Council (click on the button for more info).

4) Promoting Credit Unions and Ethical savings

Levels of savings in the West Midlands are very low, with 55% of people have less than £100 in savings. Debt can quickly result but we want to prevent this!

We're delighted to be working with Black Country Chamber of Commerce and all four Credit Unions across the Black Country to launch a Payroll Savings Campaign.

5) Teaching Financial Skills in Primary Schools

With our partners the Just Finance Foundation, we run the LifeSavers financial education programme for primary schools. This equip children with the knowledge, skills and attitudes to manage money well.

So far, we have run half day cpd sessions for teachers across all four Black Country areas.

6) Jesus Money

A new simple resource to start conversations about money, co-produced by TCT, Lichfield Diocese and the Just Finance Foundation

Cassius can provide a range of support for your organisation or church.

7) Preventing Shocking Debt

A Lottery funded project to stop vulnerable people from falling prey to loan sharks and other high-cost lenders by helping them access affordable alternatives.

8) Pensions Made Easy

A workshop designed to help people understand pensions and save for their retirement.

Pension wise is free and impartial government guidance about your defined contribution pension options.

Why not book a free Pension Wise appointment now?

* Please note, none of our team are able to give advice *

(Top Photo by Colin Watts on Unsplash)

Published: 9th July 2019

Updated: 27th January 2021