8. How to fill in a Budget Planner

In this episode of Money Mondays Zak & Emma are talking about 2 potential debt solutions, Debt Relief Orders (DROs) and Individual Voluntary Arrangements (IVAs)

They explore what each of them entail, the possible benefits and things to be aware of. They are also joined by Wendy from 'Access 2 Advice' to give more context to this in a prison setting.

Both of these debt solutions can have large impacts on your financial situation so it is always important to seek impartial debt advice before making any decisions 

USEFUL LINKS:

• Quids In Magazine

• What is a DRO

• What is an IVA

• StepChange (DRO)

• StepChange (IVA)

If you would like to get in touch with Money Mondays and ask us a question, suggest a topic or start a conversation, you can E-mail us at...

📧:  moneymondays@prison.radio

💬 DM us: @afterprisonpod on Instagram, Twitter and TikTok

✉️ Write to us: Life After Prison, National Prison Radio, HMP Brixton, London SW2 5XF

This episode is hosted by...

Zak - The award-winning co-presenter of NPRs 'Life After Prison' Podcast

Emma - Works for 'Clean Slate' & their money skills resource 'Quids In' - Who provide information and support to people on lower incomes

You can find out more about the work of the 'Prison Radio Association' and 'National Prison Radio' here:

https://prison.radio/

The Proceeds of Crime Act (POCA) is up for discussion on today's episode. Emma gives a brief overview of the legislation before Zak speaks to Paula from the 'Prison Reform Trust' who shares her experience of POCA. Paula talks about the potential added stress of having a POCA charge over your head and how best to deal with that while you're on the inside

Wendy from 'Access 2 Advice' joins us once again to answer a question from Darren in Cardiff - Darren has struggled to get help with his debt while inside and Wendy explores his options 

USEFUL LINKS:

• Quids In Magazine

• Prison Reform Trust 

• What is POCA?

• Stepchange

• Payplan

• Access 2 Advice

If you would like to get in touch with Money Mondays and ask us a question, suggest a topic or start a conversation, you can E-mail us at...

📧:  moneymondays@prison.radio

💬 DM us: @afterprisonpod on Instagram, Twitter and TikTok

✉️ Write to us: Life After Prison, National Prison Radio, HMP Brixton, London SW2 5XF

This episode is hosted by...

Zak - The award-winning co-presenter of NPRs 'Life After Prison' Podcast

Emma - Works for 'Clean Slate' & their money skills resource 'Quids In' - Who provide information and support to people on lower incomes

You can find out more about the work of the 'Prison Radio Association' and 'National Prison Radio' here:

https://prison.radio/

Zak & Emma are looking at Regular Savers and how they can be used to promote great savings habits. Do you often suffer from temptation to dip into your savings even though you really want to build up that nest egg, save for that holiday/car/house? Then a Regular Saver MIGHT be just what you need - Emma lays out the facts and lets you know all of the benefits and considerations

In ‘Money Talks’ Emma is taking the mystery out of Direct Debits & Standing Orders, you might have several of both, but do you know the difference? Emma tells us how they work, why they can be beneficial and how to tell them apart.

USEFUL LINKS:

• Quids In magazine

• Money Saving Expert

• Money Helper - Credit Unions

• The Direct Debit Guarantee

If you would like to get in touch with Money Mondays and ask us a question, suggest a topic or start a conversation, you can E-mail us at...

📧:  moneymondays@prison.radio

💬 DM us: @afterprisonpod on Instagram, Twitter and TikTok

✉️ Write to us: Life After Prison, National Prison Radio, HMP Brixton, London SW2 5XF

This episode is hosted by...

Zak - The award-winning co-presenter of NPRs 'Life After Prison' Podcast

Emma - Works for 'Clean Slate' & their money skills resource 'Quids In' - Who provide information and support to people on lower incomes

You can find out more about the work of the 'Prison Radio Association' and 'National Prison Radio' here:

https://prison.radio/

On this episode Zak & Emma are talking about the benefits of being online. Life can be made a lot easier by getting online and taking control of your own financial situation plus it opens up a lot more doors in terms of securing employment, learning new skills and maintaining postitive relationships

Zak is also joined by JP from 'We Are Group' who provide digital services, advice and support to those who need it most - JP shares why he thinks being online is so important and explains the ways' We Are Group' can support YOU

USEFUL LINKS:

• Quids In Magazine

• We Are Group

• Learn My Way

• Good Things Foundation

If you would like to get in touch with Money Mondays and ask us a question, suggest a topic or start a conversation, you can E-mail us at...

📧:  moneymondays@prison.radio

💬 DM us: @afterprisonpod on Instagram, Twitter and TikTok

✉️ Write to us: Life After Prison, National Prison Radio, HMP Brixton, London SW2 5XF

This episode is hosted by...

Zak - The award-winning co-presenter of NPRs 'Life After Prison' Podcast

Emma - Works for 'Clean Slate' & their money skills resource 'Quids In' - Who provide information and support to people on lower incomes

You can find out more about the work of the 'Prison Radio Association' and 'National Prison Radio' here:

https://prison.radio/

In this episode, Zak & Emma are looking at ISAs - What are they? How do they work? And what are the benefits of having one?

They are also joined by Luke from the amazing organisation, St Vincent’s based in Leeds. Luke has been giving out free debt advice to prisoners in HMP Leeds & HMP Wealstun. He talks about the work he does, how it feels when he’s able to help someone find a debt solution and what advice he would give to anyone facing money troubles

USEFUL LINKS:

• Quids In Magazine

• St Vincent’s

• Money Saving Expert - ISAs

• Money Helper - ISAs

If you would like to get in touch with Money Mondays and ask us a question, suggest a topic or start a conversation, you can E-mail us at...

📧:  moneymondays@prison.radio

💬 DM us: @afterprisonpod on Instagram, Twitter and TikTok

✉️ Write to us: Life After Prison, National Prison Radio, HMP Brixton, London SW2 5XF

This episode is hosted by...

Zak - The award-winning co-presenter of NPRs 'Life After Prison' Podcast

Emma - Works for 'Clean Slate' & their money skills resource 'Quids In' - Who provide information and support to people on lower incomes

You can find out more about the work of the 'Prison Radio Association' and 'National Prison Radio' here:

https://prison.radio/

On the show this week, Zak & Emma look at how the FSCS can keep your money safe, they explore the minefield that is ‘interest’ and we hear from the brilliant Wendy from ‘Access 2 Advice’ who takes a question from McRae in Garth

USEFUL LINKS:

• Quids In Magazine

• FSCS

• FSCS Podcast

• Info on Interest 

• Access 2 Advice

If you would like to get in touch with Money Mondays and ask us a question, suggest a topic or start a conversation, you can E-mail us at...

📧:  moneymondays@prison.radio

💬 DM us: @afterprisonpod on Instagram, Twitter and TikTok

✉️ Write to us: Life After Prison, National Prison Radio, HMP Brixton, London SW2 5XF

This episode is hosted by...

Zak - The award-winning co-presenter of NPRs 'Life After Prison' Podcast

Emma - Works for 'Clean Slate' & their money skills resource 'Quids In' - Who provide information and support to people on lower incomes

You can find out more about the work of the 'Prison Radio Association' and 'National Prison Radio' here:

https://prison.radio/

After focussing on money saving tips for utility bills on the last episode, Zak & Emma are now looking at what support is available if you’re really struggling to pay those bills. There are a number of ways for you to get help if you can’t make ends meet and some of these are covered in the show today

Zak & Emma are also looking at insurance, what is it and why do we need it? Zak has a chat with Debbie from the charity ‘Unlock’ to find out how a criminal record might affect you when looking to get insured 

USEFUL LINKS:

• Quids In Benefit Checker

• Entitled to Benefit Checker

• Turn2Us Benefit Checker

• Citizens Advice bill support

• Government Cost of living payments

• Money Helper

• Money Saving Expert

• Unlock

If you would like to get in touch with Money Mondays and ask us a question, suggest a topic or start a conversation, you can E-mail us at...

📧:  moneymondays@prison.radio

💬 DM us: @afterprisonpod on Instagram, Twitter and TikTok

✉️ Write to us: Life After Prison, National Prison Radio, HMP Brixton, London SW2 5XF

This episode is hosted by...

Zak - The award-winning co-presenter of NPRs 'Life After Prison' Podcast

Emma - Works for 'Clean Slate' & their money skills resource 'Quids In' - Who provide information and support to people on lower incomes

You can find out more about the work of the 'Prison Radio Association' and 'National Prison Radio' here:

https://prison.radio/

In this episode Zak & Emma take a tour round a virtual house looking for tips and ways to reduce those bills and, ultimately, save some money.

The cost of utility bills is very high at the moment and as a result, most people will be feeling the pinch - Zak & Emma will be looking at what support is available if you're struggling to pay your bills on next weeks show

USEFUL LINKS:

• Quids In Energy Saving Tips

• Money Helper 

• Which? 20 ways to save on household bills

If you would like to get in touch with Money Mondays and ask us a question, suggest a topic or start a conversation, you can E-mail us at...

📧:  moneymondays@prison.radio

💬 DM us: @afterprisonpod on Instagram, Twitter and TikTok

✉️ Write to us: Life After Prison, National Prison Radio, HMP Brixton, London SW2 5XF

This episode is hosted by...

Zak - The award-winning co-presenter of NPRs 'Life After Prison' Podcast

Emma - Works for 'Clean Slate' & their money skills resource 'Quids In' - Who provide information and support to people on lower incomes

You can find out more about the work of the 'Prison Radio Association' and 'National Prison Radio' here:

https://prison.radio/

On the show today, Zak & Emma are joined by Jessica from the New Futures Network & Miss Hyman from HMP Wormwood Scrubs to tell us all about the 'Prisoner Banking Programme' - Bank accounts are incredibly important in the modern world so it's great to hear of the support inside to help prisoners set this up before release

We also hear from Debbie, Head of advice at the charity 'Unlock' who were instrumental in getting the Prisoner Banking Programme up and running. Debbie explains why having a bank account is so important

In 'Money Talks' - Zak & Emma are chatting about CCJs, what are they, how they can affect you and how to get them sorted

USEFUL LINKS:

• Quids In

• New Futures Network

• Prisoner Banking Programme

• Unlock

• CCJs

If you would like to get in touch with Money Mondays and ask us a question, suggest a topic or start a conversation, you can E-mail us at...

📧:  moneymondays@prison.radio

💬 DM us: @afterprisonpod on Instagram, Twitter and TikTok

✉️ Write to us: Life After Prison, National Prison Radio, HMP Brixton, London SW2 5XF

This episode is hosted by...

Zak - The award-winning co-presenter of NPRs 'Life After Prison' Podcast

Emma - Works for 'Clean Slate' & their money skills resource 'Quids In' - Who provide information and support to people on lower incomes

You can find out more about the work of the 'Prison Radio Association' and 'National Prison Radio' here:

https://prison.radio/

Zak & Emma present to you their '12 Saves of Christmas' - 12 hints and tips to help you beat the festive pinch

Christmas can be an incredibly joyous time of year but it can also be very stressful, particularly if you're struggling financially, this year things are potentially even more difficult due to the cost of living crisis.

With that in mind, Zak & Emma are exploring ways to reduce costs without compromising on quality, tradition or fun! There are tips for the 'here and now' but also for the future, what better time to get into the money saving habit than Christmas and New Year!?

USEFUL LINKS:

• Quids In

• Money saving expert

• Cooking on a bootstrap

• Groupon

• Wowcher

• Quid Co

• Voucher Cloud

If you would like to get in touch with Money Mondays and ask us a question, suggest a topic or start a conversation, you can E-mail us at...

📧:  moneymondays@prison.radio

💬 DM us: @afterprisonpod on Instagram, Twitter and TikTok

✉️ Write to us: Life After Prison, National Prison Radio, HMP Brixton, London SW2 5XF

This episode is hosted by...

Zak - The award-winning co-presenter of NPRs 'Life After Prison' Podcast

Emma - Works for 'Clean Slate' & their money skills resource 'Quids In' - Who provide information and support to people on lower incomes

You can find out more about the work of the 'Prison Radio Association' and 'National Prison Radio' here:

https://prison.radio/