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Everyday money: the slides.
A 14-slide deck with speaker notes, for a 60-minute session. Present it from this page, or print it to PDF with one slide per page. The run sheet says when to show each slide.
While presenting: → or Space next, ← back, Home and End, S speaker notes, F full screen, Esc to stop.
Moraph for Good · Fluent
Everyday money
A Fluent session from Moraph for Good
A free session kit · moraph.org/commons/sessions/fluent/everyday-money
Moraph for Good · Fluent · Everyday money1 / 14
Speaker notes
Welcome people as they arrive and make sure everyone has a worksheet and handout. Introduce yourself briefly: your name and what you do.
How today works
Before we start
- Nobody shares their own numbers
- General information, not advice about your money
- Every question is a good question
- The worksheet and handout go home with you
Moraph for Good · Fluent · Everyday money2 / 14
Speaker notes
Set the ground rules plainly. Say that you won’t collect anything and won’t ask anyone about their own money.
The idea
A budget is a plan for where the money goes before it arrives.
Moraph for Good · Fluent · Everyday money3 / 14
Speaker notes
Contrast this with tracking spending after the fact. A plan made in advance lets you fix a bad week before the whole month is lost.
Four steps
A budget that survives a real month
- Write down what comes in, and when
- List the bills that can’t move, with their due dates
- Plan for costs that don’t come every month
- Spend what is left on purpose, and check weekly
Moraph for Good · Fluent · Everyday money4 / 14
Speaker notes
Ask the room for examples of bills that can’t move: housing, utilities, transport to work, childcare, debt repayments. Write a few on a flip chart if you have one.
Timing
Dates matter as much as amounts
- Rent due before payday is a different problem from rent due after it
- Match each bill to the payday that will cover it
- Some companies will move a due date if you ask
- A weekly check catches a bad week early
Moraph for Good · Fluent · Everyday money5 / 14
Speaker notes
This is the most common reason a budget that adds up still fails. Say that asking a company to move a due date costs nothing to try.
Not every month
The costs that catch people out
- Annual fees, school costs, birthdays and holidays
- Repairs, replacements and work clothes
- Add them up for the year, then divide by 12
- Say they come to 600 a year: set aside 50 a month
Moraph for Good · Fluent · Everyday money6 / 14
Speaker notes
Work the example aloud. The numbers are made up and have no currency. The point is that a cost you expect is not an emergency.
Irregular income
When pay goes up and down
- Plan on a lower month, not an average one
- Pay money into a holding pot and pay yourself a steady amount from it
- In a good week, fill the gap for a slow week first
- Keep a list of the dates your income arrives
Moraph for Good · Fluent · Everyday money7 / 14
Speaker notes
This helps people with shift work, gig work, seasonal work or benefits paid on different cycles. Keep it general; don’t ask who in the room has irregular pay.
When there isn’t enough
Which bills come first
- Housing, power and heating, food, and getting to work
- Ask what missing each bill would cost you, not just the fee
- Call before you miss a payment: many companies have hardship plans
- Be wary of anyone who charges to sort out your bills or debts
Moraph for Good · Fluent · Everyday money8 / 14
Speaker notes
The order is about consequences: losing a home or power is worse than a late fee. Free debt help exists in each country; the country block lists it.
Activity
Try it: a made-up month
- Pay arrives on the 5th and 19th, usually 900; in a slow month one paycheck is 700
- Rent 800 and bus pass 60 on the 1st; school trip 30 on the 10th; power 90 on the 15th
- Phone 40 on the 20th; loan repayment 100 on the 25th; food about 75 a week
- Put it all in date order, find the tight week, plan the slow month, and pick an amount to save
Moraph for Good · Fluent · Everyday money9 / 14
Speaker notes
Print this slide for each table. Give groups 13 minutes and call time at 5, 10 and 13 minutes. The household is invented; the numbers have no currency.
Emergency fund
A small emergency fund keeps a bad week from becoming expensive debt.
Moraph for Good · Fluent · Everyday money10 / 14
Speaker notes
The aim is not a large balance. It’s having something to use instead of high-cost borrowing when the car or the boiler breaks.
Emergency fund
Starting one
- Start small: a regular amount beats a big target you never reach
- Keep it separate so it isn’t spent by accident
- Make it automatic, on payday
- Use it for real emergencies, then refill it
Moraph for Good · Fluent · Everyday money11 / 14
Speaker notes
Mention that where the money is kept matters. The country block says what protects savings held with a bank or credit union, and the banking session goes into more detail.
Where you live
Free help, on your handout
- Official budgeting tools and guides
- What protects your savings
- Free help if the month doesn’t add up
- All official, all free
Moraph for Good · Fluent · Everyday money12 / 14
Speaker notes
Walk through the country block on the handout. Read out the names of the services so people recognize them later.
Your next step
One thing this week
- Write down every payday and bill date for next month
- Find one cost that doesn’t come every month and plan for it
- Set up one small automatic transfer
- Or call one company about moving a due date
Moraph for Good · Fluent · Everyday money13 / 14
Speaker notes
Ask people to write their one step on the worksheet privately. Don’t ask them to share it.
Thank you
Questions?
- Take the handout and worksheet home
- Your country’s official services are on the handout
- More free guides at moraph.org/commons
This kit, the worksheet and the handouts: moraph.org/commons/sessions/fluent/everyday-money
Moraph for Good · Fluent · Everyday money14 / 14
Speaker notes
Take questions and keep answers general. If a question is about one person’s situation, point to the free services on the handout. Thank the host.