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Fluent, Reach and Voice · Commons tool

Can I do this yet? A private check after a session.

Pick the session you went to and your country. For each thing the session sets out to help people do, choose Yes, Not yet or Not sure, and see which of the session’s own pages to look at again. Only you see your answers.

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The self-check needs JavaScript, which is turned off. Here are the outcomes of every session as a checklist. Find your session, print the page with your browser’s Print command if you like, and tick what you can do now.

After the session

Can I do this yet?

Fluent Everyday money

By the end, people can:

  • list what comes in and what has to go out in a month, with the dates as well as the amounts
  • spot the week in a month when money runs short, and plan around it
  • make a simple plan for a month when income goes up and down
  • choose a first small step toward an emergency fund, and a safe place to keep it

Tick the ones you can do now. For the others, look again at:

Fluent Banking without the fees

By the end, people can:

  • name the common bank fees and work out what they add up to over a year
  • compare accounts using a short list of questions, including asking for a basic or low-cost account
  • explain how overdraft fees happen and use at least three ways to avoid them
  • check what protects money held in a bank, a credit union or a payment app, and where to complain if something goes wrong

Tick the ones you can do now. For the others, look again at:

Fluent Credit reports and scores

By the end, people can:

  • describe what a credit report holds and who looks at it
  • get their own report free through the official route for their country
  • spot common errors and signs of identity theft on a report, and dispute them in writing
  • explain in general terms how a score is built and what helps rebuild it over time

Tick the ones you can do now. For the others, look again at:

Fluent Borrowing safely

By the end, people can:

  • explain the difference between an interest rate and the total cost of a loan, including fees
  • compare two or more loan offers using the same three questions
  • recognize the warning signs of high-cost and predatory lending, and of loan scams that ask for a fee first
  • name cheaper options to ask about, and where to complain or get free help in their country

Tick the ones you can do now. For the others, look again at:

Fluent Tax time and benefits

By the end, people can:

  • explain why filing a return can matter even for people who earn little
  • find free, official filing help where it exists, and know what to ask a paid preparer
  • put together a tax-time folder of the records they are likely to be asked for
  • recognize tax and benefit scams, and check a message by going to the official source directly

Tick the ones you can do now. For the others, look again at:

Fluent Scams and fraud

By the end, people can:

  • describe how impersonation, payment redirection, romance and investment scams work, and the script they share
  • use one habit before moving money: stop, hang up, and call back on a number they already have
  • recognize the signs of identity theft and take the first steps
  • follow the first-hour steps if they, or someone they know, has been scammed, and know where to report it

Tick the ones you can do now. For the others, look again at:

Reach How coverage works here

By the end, people can:

  • describe the main ways care is paid for where they live: a public system, public programs, insurance, or paying themselves.
  • explain common coverage words such as premium, deductible or excess, co-payment and out-of-pocket cost.
  • name the questions to ask before care: is it covered, where can I go, what will I pay, and does it need approval first.
  • find the official place to check what applies to them, using the country handout.

Tick the ones you can do now. For the others, look again at:

Reach Finding low-cost care

By the end, people can:

  • name the kinds of low-cost and free care that exist where they live, from community health centers to pharmacists and advice lines.
  • explain how a sliding-scale fee works and what to bring to show income.
  • use a short script to call a clinic and ask what it charges, who it sees and what to bring.
  • find the official finder or advice line for their country, using the handout.

Tick the ones you can do now. For the others, look again at:

Reach Reading a medical bill

By the end, people can:

  • find the key parts of a medical bill or invoice: who it is from, the dates, each service, what has been paid and what is still owed.
  • ask for an itemized bill and check it against what happened and any statement from an insurer or public program.
  • spot common errors, such as duplicate charges or services not received, and question them politely in writing or by phone.
  • ask about payment help, refunds or payment plans before paying, and find the official rules for where they live on the handout.

Tick the ones you can do now. For the others, look again at:

Reach Your health records

By the end, people can:

  • describe what is usually in a health record and which parts are worth asking for.
  • write a clear request for their own records, in a letter, form or portal message.
  • say what the law where they live allows, using the country handout, and where to complain if a request is ignored.
  • check a record for mistakes and keep their copies safe.

Tick the ones you can do now. For the others, look again at:

Reach Portals and video appointments

By the end, people can:

  • explain what a patient portal is and what it is usually used for.
  • list the steps to set up a portal account safely, including a strong password and two-step sign-in.
  • prepare for and join a video appointment, and ask for alternatives they need.
  • spot common signs of a health-related scam and know where to report one.

Tick the ones you can do now. For the others, look again at:

Reach Medicines and costs

By the end, people can:

  • explain what a generic medicine is and why it usually costs less.
  • ask a prescriber or pharmacist what a prescription will cost and whether there is a lower-cost option.
  • find the public help with medicine costs where they live, using the country handout.
  • recognize the warning signs of an unsafe online pharmacy.

Tick the ones you can do now. For the others, look again at:

Voice Who decides what

By the end, people can:

  • name the main levels of government where they live and give an example of what each one handles
  • tell the difference between elected members, who set policy and budgets, and staff, who run services
  • work out which body is most likely responsible for an everyday issue, and how to check
  • find their own local government’s website and the question to ask when they are not sure who decides

Tick the ones you can do now. For the others, look again at:

Voice Meetings and public comment

By the end, people can:

  • find and read a meeting agenda, and tell which items they can comment on
  • say when a comment is most useful, and the different ways to give one
  • plan a clear two-minute comment on an agenda item
  • write a short, specific message to an elected member or decision maker

Tick the ones you can do now. For the others, look again at:

Voice Records requests

By the end, people can:

  • check whether information is already published before making a request
  • write a clear, specific request for public records and send it to the right body
  • find the deadline, fee rules and review route that apply where they live, using official sources
  • say what to do if a request is delayed, refused or only partly answered

Tick the ones you can do now. For the others, look again at:

Voice Budgets in plain words

By the end, people can:

  • find their own local government’s budget and the meeting papers that go with it
  • read a budget summary: where the money comes from, where it goes, and what changed from last year
  • name the points in the budget calendar when residents can comment
  • write one clear, specific question or comment about a budget line

Tick the ones you can do now. For the others, look again at:

Voice Serving locally

By the end, people can:

  • describe the main ways residents serve locally: advisory boards and commissions, election work, school and court roles, and volunteering with public services
  • find where vacancies and sign-ups are posted for their area
  • list the questions to ask before applying, such as eligibility, time, training and pay or expenses
  • match a role to the time and skills they have

Tick the ones you can do now. For the others, look again at:

Voice Information you can trust

By the end, people can:

  • find the official source for a public notice, service or deadline
  • check a claim by reading laterally: leaving the page to find out who is behind it and what other sources say
  • recognize common signs of a scam that imitates a government agency
  • say where to report a suspected government impersonation scam in their country

Tick the ones you can do now. For the others, look again at:

Explain, never advise: this check uses only what the session kit says people can do by the end, and links to the kit’s own pages. It is for you alone and says nothing about your own situation. For help with that, go to a free official service.

From moraph.org/commons/self-check.

Free, no sign-up. Nothing you type leaves your browser. Your answers are saved in this browser only, so you can come back to them. Use Clear when you are done, especially on a shared computer.

With this on, the tool works as usual but forgets what you enter when you close or reload the page. Only this choice is remembered on this device, for every Moraph for Good tool that has this switch. Using a shared computer safely

01Your session

Choose the session you went to, and its outcomes appear here.

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After the session

My next steps

Choose your session, then answer each “Can I do this yet?”. Anything you mark Not yet or Not sure appears here, with the pages to look at again.

Explain, never advise: this check uses only what the session kit says people can do by the end, and links to the kit’s own pages. It is for you alone and says nothing about your own situation. For help with that, go to a free official service.

Made with the free self-check at moraph.org/commons/self-check. Nothing was sent anywhere.

Only you see this. In the print dialog, “Save as PDF” keeps a copy.

Where this comes from

The session’s own words, just for you.

Each item is one of the outcomes written in the session kit, word for word: what the session sets out to help people do by the end. The pages it links to are that kit’s take-home sheet, worksheet and kit page, the words you’ll hear, and free help by country.

There is nothing to hand in and nobody sees your answers. Not yet and Not sure are normal after one hour; the sheet and the free services are there for when you need them. More on where to go after a session.

Explain, never advise: this check uses only what the session kit says people can do by the end, and links to the kit’s own pages. It is for you alone and says nothing about your own situation. For help with that, go to a free official service.

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