pfeg Forum 14 May 2014, Prudential and M&G Please tweet using #pfegforum
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1 pfeg Forum 14 May 2014, Prudential and M&G Please tweet using #pfegforum
2 Welcome Gavin Rennie, Head of Corporate Responsibility, Prudential UK & Europe
3 pfeg Update Tracey Bleakley, pfeg
4 Guest speaker Michael Steer, Deputy Headteacher, Thornhill Community Academy
5 Tax Guide for Students Low Incomes Tax Reform Group Robin Williamson May 2014
6 WHO WE ARE Low Incomes Tax Reform Group An initiative of the Chartered Institute of Taxation
7 Our dedicated Student website A project funded by HMRC and the CIOT and endorsed by NASMA & NUS
8 Content
9 Factsheets for advisers
10 Moving into schools We are working on some resources that will help teachers prepare a lesson in tax. This maps to the overriding financial education strategy within the new September 14 curriculum.
11 Guest speaker Elizabeth Kilbey, child psycologist
12 Guest speaker Iona Bain, Young Money
13 What more is needed to help young people avoid problem debt? Robbie de Santos Senior Public Policy Advocate
14 Introducing StepChange Debt Charity Founded in 1993, formerly known as CCCS Provide predominantly telephone based debt advice Helped more than 500,000 people in 2013 Scaling up our work on policy and research over the coming years Recent publications Life on the Edge: Towards more resilient family finances The Debt Trap: Exposing the impact of problem debt on children Statistical Yearbook 2013 Upcoming policy and research themes Future risks to household finances Building resilience: savings and incomes Improving safety nets: breathing space and welfare Tackling demand for high cost credit; improving supply
15 People who have had a significant life event (losing a job, losing income, seeing business downturn) are around three times as likely to be in financial difficulty and 1.4 million people work zero hour contracts, 1.4 million working part-time through lack of full-time, 600,000 temping through lack of permanent jobs, 63% of those made redundant don t return to work within three months.
16 People on low and middle incomes (a proxy for younger earners too!) don t have the savings to deal with shocks in their income
17 A shock or sudden cost can easily knock someone into debt if they don t get help quickly and they think they can cope by using credit to make ends meet
18 How can we prepare young people for a life free from problem debt? Building resilience by encouraging savings What s needed? Effective savings programme targeted at people who don t save. It needs to be focused on behavioural incentives that work for this group (matches and bonuses), and encourage default savings behaviours (e.g. auto-enrolment and Lloyds Save the Change) Real help to boost incomes and cut costs Strong safety nets that offer people a real, clear alternative course of action to credit when they fall on hard times. Behavioural economics tells us that people seek to make choices with more certain outcomes The safety net currently lacks certainty and has stigma (welfare, crisis loans, debt advice) Need to develop breathing space guarantee to offer certain help if people engage with creditors and essential services when they fall on hard times.
19 But making help effective needs Clear messages to encourage people to seek advice and get help when in crisis Clear messages that advice is effective in resolving issues Easy, simple and certain to access help from full range of creditors and essential service providers Focus on raising standards in sectors with weakest protection for people struggling: private rented sector, council tax collections Focus in education on how to cope with financial crises not just a question of numeracy!
20 Thanks for coming! #pfegforum
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