Money Mondays
Money Mondays is a podcast that helps people who have been through the Criminal Justice System manage their finances. Hosted by Zak from Life After Prison Podcast and Emma from Quids In, it explains financial products and services in simple terms. The show answers listener questions from inside and beyond prison walls. Listeners can suggest topics via email or social media.
Episodes
90. 89 Episodes in 1 | The Final episode of Money Mondays
It’s the final episode of Money Mondays so Zak & Emma have put their heads together to put everything they have learned over the past couple of years in to one episode….no mean featThere have been many issues that have been raised time and time again so we have included a whistle stop tour of each of these with signposting to the episodes where we covered the subject in more detail - Consider
89. Facing Homelessness post prison | Andy & Jay from 'Foundation 2 Change'
Rough-sleeping on release is linked to a 70.9% proven reoffending rate. In this episode Zak & Emma hear from the brilliant Andy Shelton and Jay Arnold of ‘Foundation 2 Change’ who share their own incredible journeys and talk about practical steps, emergency options and how lived-experience services can stop a release into homelessness turning into a return to custody. Zak has his own
88. Court Fines | Beth from The Wise Group
In this episode, Zak & Emma are joined by the brilliant Beth from ‘The Wise Group’ - Beth supports people inside prison and through the gates with all their finance, benefit and debt needs. Beth tells us how she works with people in prison, why this support is so necessary and give us the lowdown on court fines - What they are, how they work and the best ways of dealing with themThe Wise Group
87. 5 things to know about money when you're in prison | Ryan from the Prison Reform Trust
After a well earned rest, Zak & Emma are back to help you fix up your finances! Money Mondays is here to support you if you're in prison via 'National Prison Radio' or if you’re on the out and you’ve been through the Criminal Justice System On this episode, we hear from the excellent Ryan from the ‘Prison Reform Trust’ - The Prison Reform Trust is an independent UK charity working to
86. Going Home for Christmas (Without Going Broke)
Getting out of prison can be a joyous time but it can come with added pressures. You may want to make up for lost time and spoil everyone rotten, but the last thing you want is to wind up in debt for the start of the new yearFear not though, Zak & Emma are here with some practical tips on how to negate the Christmas cash grab and how to sensibly maintain control of your finances USEFUL LI
85. Catch up with Laudjah
Back on episode 28, almost 16 months ago we heard from Laudjah who was fresh out of prison. He told us of how he was adapting to life on the out and the financial challenges that come with this transition - He shared how he was having to curb his love of the finer things and how he was committed to turning over a new leafNow, he’s got a job he loves, he’s moved out of the hostel and he’s saving fo
84. Rights and entitlements for care leavers in prison
This week on Money Mondays, Zak and Emma turn their attention to care leavers inside custody focusing on what support you’re still entitled to, and the practical cash help that can make a real difference. Zak & Emma explain how local authorities and prison teams should be working together to keep your pathway plan, Personal Adviser and pre-release support active while you’re insidePlus, w
83. Getting Ready for Release
Getting out of prison can be one of the best experiences but can also be tinged with worry - Where are you going to go? How do you get there? What about employment etc etc As Zak says, it can be a bit of a rollercoaster but if you plan effectively and get things in place BEFORE release it can make life that little bit easier. On this episode, Zak shares what his first few days outside of pris
82. Money Habits & Reoffending
In this episode, Zak & Emma are exploring the link between money habits and reoffending. Those with stable finances are much more likely to keep on the straight and narrow after release, so what good practices can you work into your life to make this more possible?Zak shares what changed for him and how his motivation and focus allowed him to switch to a legitimate lifestyle saying his ‘financ
81. Most Missed Benefits
Back in 2023, we released an episode titled ‘£19 Billion in Unclaimed Benefits’ - Some 18 months later and this figure has grown to an incredible £25 Billion - So why is this the case and just what are people missing out on?As ever, Zak & Emma are here to help as they are looking at the most commonly missed benefits, some you may never have heard of, and how you can find out if you’re eligible
80. Talk Money Week
It’s ‘Talk Money Week’ which is kind of our thing! On this episode Zak & Emma discuss how their relationship with money, and talking about it, has changed. Emma tells us some of the many benefits of having a conversation about your cash and Zak tells us what this looks like on the inside.Meanwhile, it is the first episode of ‘Moral of the Story’ with Money Ready. We hear Sam’s story about how
79. The Virtual Campus | With Laura from The Lloyd's Academy
The Virtual Campus is available prison wide and can help you with skills, courses and much more. You can usually access it either in the education department and/or the libraryOn this episode we are once again joined by the fabulous Laura from The Lloyd's Academy to tell us all about the brand new financial literacy courses and programmes that have been added to the Virtual Campus. From using a de
78. Open Prison
Recent changes mean you can now potentially move to Open Prison with 5 years left of your sentence rather than 3 meaning more time to adapt back to society, strengthen family ties and earn a real wage/save some moneyZak tells us how his time in Open helped him and we also hear from his ‘Life After Prison’ co-host Jules who explains what it meant to her to be able to work out in the community
77. Teaching Your Kids about Money
Children can often be a huge motivator for those leaving prison to turn their lives around. While it is important to restore those bonds that could have suffered during this absence it is also important to help the next generation to feel more confident around their finances. 81% of young people in the UK are worried about money and their personal finances (Up from 60% in 2016) - So what can
76. Payment Methods | Laura from Lloyd's Academy
Paying for things has never been more convenient. Gone are the days when it’s cash or bust, now you can pay with cards, phones and even watches! While having all of this flexibility is undoubtedly a positive thing, imagine having to acclimatise to this modern world with no experience of it. This is the situation being faced by people leaving prison up and down the country. With this in mind,
75. Money Ready with Nicola
On this episode, Zak & Emma are joined by Nicola from 'Money Ready' - Money Ready is a financial education charity dedicated to creating a financially fluent population. They believe that financial literacy should be considered a right for all because the language of money is a language for life. Nicola talks about the work they do, how they are supporting people in prison and why it's so
74. Understanding your payslip | Laura from Lloyd's Academy
Money Mondays returns for a brand new series…Following on from our employability mini-series at the end of the last series, we’re looking at what happens when you DO land that job, and in particular, what you can expect come pay day!You might be in receipt of a pay slip for the very first time, or you may have a load tucked away in a drawer and never given them a second thought.On this episode Zak
73. Dosh | Meike Beckford
Around 30% of people in prison have a learning difficulty or disability which can make managing your finances that much more challenging. Here to help are the fantastic organisation ‘Dosh’ who believe “that everyone should have personalised support to use their money in the way they want and for the things they enjoy” and they have been “committed to promoting independence around money for pe
72. Employability - GXO
This is the last episode of our employability mini-series. A huge thank you to all the people, organisations and charities who have been involved with this series GXO Logistics actively works with ex-offenders and prisoners through partnerships with organisations like Tempus Novo and New Futures Network. These collaborations aim to provide employment opportunities and support networks for ind
71. Employability - Kier
Following hot on the heels of our entrepreneurial mini-series Zak & Emma are spending the next few episodes looking at employability; How to find a job, how to prepare for one and who can help you along the way…Siyanda first came across Kier while in prison. The idea of working in construction didn’t really appeal to her but she was encouraged to attend a focus group by an officer. During the
70. Employability - Interviews
Following hot on the heels of our entrepreneurial mini-series Zak & Emma are spending the next few episodes looking at employability; How to find a job, how to prepare for one and who can help you along the way…Going for a job interview can be a nerve-wracking experience at the best of times, but what about if you have a criminal record to contend with too?On this episode Zak & Emma will b
69. Employability - Clean Slate Solutions
Following hot on the heels of our entrepreneurial mini-series Zak & Emma are spending the next few episodes looking at employability; How to find a job, how to prepare for one and who can help you along the way…On this episode, Zak & Emma are joined by Richard and Paul from ‘Clean Slate Solutions’ who work in partnership with social value driven employers across Teesside and North Yorkshir
68. Employability - Greggs
Following hot on the heels of our entrepreneurial mini-series Zak & Emma are spending the next few episodes looking at employability; How to find a job, how to prepare for one and who can help you along the way…On this episode, Zak & Emma welcome Beckie from Greggs on to the show. Beckie heads up Greggs’ ‘Fresh Start’ programme which gives opportunities to people with convictions both with
67. Employability - Job Hunting
Following hot on the heels of our entrepreneurial mini-series Zak & Emma are spending the next few episodes looking at employability; How to find a job, how to prepare for one and who can help you along the way…In this episode Zak & Emma are focussed on job hunting. Zak tells us about his own experience of finding a job inside prison, what it was like and why it's so important to get struc
66. Employability - Tempus Novo
Following hot on the heels of our entrepreneurial mini-series Zak & Emma are spending the next few episodes looking at employability; How to find a job, how to prepare for one and who can help you along the way…In this episode Zak & Emma are joined by Steve & Val from the brilliant Tempus Novo. Using their 60+ years of prison service experience they set up Tempus Novo in a bid to help
65. Employability - Timpson
Following hot on the heels of our entrepreneurial mini-series Zak & Emma are spending the next few episodes looking at employability; How to find a job, how to prepare for one and who can help you along the way…This episode is all about the Timspon group which specialises in employing former prisoners and other marginalised groups - They have been leading the way in this sense for a long time
64. Employability - Building a CV
Following hot on the heels of our entrepreneurial mini-series Zak & Emma are spending the next few episodes looking at employability; How to find a job, how to prepare for one and who can help you along the way…In this episode Zak & Emma are looking at CVs - What they are, why they are useful and how to create an effective one. It can be daunting putting a CV together, particularly if you
63. Side Hustles
Up for discussion on this episode of Money Mondays, is ‘Side Hustles’ - These have been mentioned in passing on previous episodes so we thought we’d do a deeper dive on a subject which could lead to your financial freedom.Our very own Zak started off on his current path with a side hustle, growing ‘X-Conversation’, which led to ‘Life After Prison’, Money Mondays and lots more - He’s now a multi-aw
62. Council Tax
In what has been dubbed ‘Awful April’, bills have been increasing again and there are many other rises putting yet another squeeze on people. In this episode Zak & Emma are looking at council tax and ways to potentially save some money, particularly if you’re in prison or the partner of someone who is.Emma explains what council tax is used for, why we have to pay it and what you can do if you
61. April Update
April is a BIG month in the financial calendar. It welcomes the start of the new tax year, allowances renew, the price of bills change and it’s no different in prison. Zak & Emma are here with an update on what’s changing and how it might affect you. It’s recently been announced that the amount you can draw down from private to your spends account is increasing by 10% which looks like goo
60. Cryptocurrency
You may have heard of Cryptocurrency in the news but what is it, how does it work and what is it for? Zak & Emma are here to answer those questions before you From humble beginnings, the world crypto market is currently worth 2.68 trillion dollars. This figure is as of writing this, by the time you read it, it will probably have changed! Such is the volatility of crypto Cryptocurrenc
59. Planning for the Future | Pensions
Planning for the future can be scary, it can also be something that you put off and ignore. On this episode Zak & Emma are looking at pensions, an often confusing topic, and asking, what are they? who are they for? and how do they work?Whether you choose to opt out of a workplace pension or contribute as much as you can, it is important to lay plans for the future to ensure your retirement is
58. Staying Safe Online
One of the key themes of Money Mondays has been using technology to make your financial future more efficient. Whether that be using online banking or shopping online, the digital age has certainly made money more manageable. But what if you’ve never used anything like this before, maybe getting online seems like a daunting task to you? You may have heard horror stories of how people have los
57. "There is help for prison leavers, just take it if you need it..." | Moe's Story
Joining Zak & Emma on this episode is Moe who has been recently released from prison. Moe talks about how difficult it can be to adapt financially to the outside world but also shares hints and tips and shines a light on some of the charities that have helped him out. Zak & Emma reflect on Moe’s words throughout and also talk about ways to make your money stretch further and emphasise the
56. Breaking the Cycle | Vanessa & Megan
Around 13% of prisoners were released to homelessness last year. Having no fixed address can make it really tough to open or maintain any kind of banking provision. Having no kind of banking provision can make it more difficult to receive benefits, wages or to pay for goods or services. Because of this HSBC, in partnership with Shelter launched the ‘No Fixed Address’ service to help people break t
55. Entrepreneurs Unlocked | Considerations & Logistics
This is the fourth and final episode in a mini series exploring entrepreneurship and business mindedness In this episode, the spotlight is now being shone on Zak as we find out more about how he was able to go from prison to business owner. Zak shares some tricks of the trade, what he has learnt and how he kept focussed when things got tough. We also explore some of the things you may need to
54. Entrepreneurs Unlocked | Gary's Story
This is the third episode in a mini series exploring entrepreneurship and business mindedness On this episode we’re joined by Gary who used his time in prison to find himself, hone his business skills and find some missing pieces to his jigsaw - He talks about how his cell was covered in business plans and ideas, how the library helped him out and what his big plans are for the futureZak &
53. Entrepreneurs Unlocked | Darryl & Sam
This is the second episode in a mini series exploring entrepreneurship and business mindedness Zak & Emma are joined by Darryl and Sam who have both managed to turn their lives around after turbulent beginnings. Sam started with a bucket and sponge and now runs ‘Genuine Futures’ who seek to ‘support individuals in our communities, who may have faced difficult obstacles and barriers in the
52. Entrepreneurs Unlocked | David Morgan
This is the first episode in a mini series exploring entrepreneurship and business mindedness To start the episode, Emma asks Zak about how he turned 3 prison sentences into a positive and was able to use his lived experience to carve a new path for himself. Zak opens up about the skills he learned inside and how he managed to change his mindset and his social circle to become an award winnin
51. The Prisoner Banking Programme Explored | Emma & Adam
The ‘Prisoner Banking Programme’ allows eligible prisoners to apply for a basic bank account whilst in custody. Sentenced prisoners with no more than 6 months and no less than 6 weeks left until their release are encouraged to reach out to see if their prison supports the schemeWe spoke with the New Futures Network about the ‘PBP’ back on Episode 11 and are now delighted to welcome Emma & Adam
50. Good Money Tribe | Stephanie White
On this episode, Zak & Emma are joined by the brilliant Steph from the ‘Good Money Tribe’Steph was never educated around money and after making her own financial mistakes she decided to dedicate her career to learning everything she could about financial literacy. She set up the ‘Good Money Tribe’ who have helped over 30000 people to reduce money stress and become more comfortable with their f
49. National Energy Action | Zora
With the cold months really setting in, it’s extra important to make sure you're as energy efficient as possible to save some pennies but more importantly, to make sure that you remain warm and safe at home; National Energy Action are the national fuel poverty charity aiming to ensure that everyone in England, Wales & Northern Ireland can achieve that level of warmth and safety and to help every o
48. The Hardman Trust
It’s a brand new series of Money Mondays! Zak & Emma are refreshed after their festive break and gearing up to give you another year of hints, tips and financial support Every year, over 2000 people are released from prison after serving long sentences. Adapting to life after release always comes with challenges but these can be amplified if you’ve been away for a prolonged period of time. The Har
47. Safer Gambling Week
The 18th - 24th November is 'Safer Gambling Week' - A cross-industry initiative to promote safer gambling in the UK & Ireland Gambling can have a huge effect on your finances as our guest Ben found out first hand. Ben's gambling started small before spiralling out of control and eventually culminated in a prison sentence after stealing from his employer to fund his addiction. Ben now supports peo
46. Getting Your Finances Sorted in Prison | Barry from Ingeus
When you first land in prison, contacting your bank and creditors may well be towards the bottom of your list of priorities. However, once you’re a bit more settled you can make life easier on yourself and reduce stress by ensuring your bank is aware of your current circumstances. This could stop your accounts going dormant, reduce charges/interest and make it more likely that you have banking in
45. Benefit Checkers with David from Turn2us
We have mentioned benefit checkers on Money Mondays in the past and to tell us a bit more about what they are and how they work is David from the amazing organisation 'Turn2us' We want to ensure that the money YOU’RE entitled to doesn’t make up the £30 BILLION that goes unclaimed every year. David has loads of great info on how to make the most of benefit checkers, what grants you could be eligibl
44. Outside In Takeover
Money Mondays on a…….Tuesday!? What is this sorcery?? Well, it just so happens that National Prison Radio has another podcast that drops on a Tuesday too and we’d love to tell you all about it ‘Outside In’ is a brand new podcast hosted by people who learnt their trade working with National Prison Radio in HMP Brixton. They share the inspirational stories of people who have links with the Criminal
43. World Savings Day
This week is ‘World Savings Day’ so Zak & Emma are putting on their thrift caps and letting you know why it’s important to save, how to build a savings habit and how to get started in today's tough economic climate Zak shares why having that ‘rainy day fund’ was super important to him this week and Emma opens up about how having money put away has allowed her to have a more fulfilling life USEF
42. Prison Debt
Zak & Emma have talked about debt many times on Money Mondays but this has usually centred around debts you can accumulate outside of prison. On this episode they are looking at what happens if you fall in to debt while you’re in prison Zak explains how easy it can be to have your prison debts spiral out of control, addressing the potential dangers of this and also looks at ways to avoid falling
41. International Day for the Eradication of Poverty with Morgan from the Joseph Rowntree Foundation
Prison and poverty are often interlinked. On this episode we are investigating those links - Why are you more likely to end up in Prison if you're from a deprived area and what can be done about the situation? Joining us to give us some more context to this is Morgan from the amazing organisation, the 'Joseph Rowntree Foundation' - Morgan gives us some chastening statitics, tells us why things are
40. World Homeless Day
This coming Thursday (October 10th) is World Homeless Day so Zak & Emma are having a chat about the scale of the problem, the alarming statistics and what can be done to fix the issue. They are joined by Matt Gannon from Homelessness Impact who have been conducting extensive research in this field and investigating the potential solutions. During a wide ranging conversation, Zak & Emma also talk a
39. Jazz's Story
Jazz Singh has an incredible story and he's here to share some of it on Money Mondays Having worked in finance before finding himself in prison in later life, Jazz used his experience and knowledge to help others inside and imagine a better life for himself. Now, Jazz has that better life, and has established 'EmpowerAbility' - An organisation which seeks to support humans inside and outside of th
38. ID Day
There really is a 'Day' for everything and today is 'International Identification Day' (16th September) so Emma & Zak are looking at ways to sort out your ID while you’re in prison. To help them, they’ve invited back Paul Retout from the Tax Academy (And frequent Inside Time contributor) to look at how it might be possible to source a birth certificate, passport or driving licence while you’re ins
37. Stop Loan Sharks with Cath Wohlers
With ‘Stop Loan Sharks’ approaching their 20 year anniversary, we invited Cath Wohlers on to the show to tell us what a loan shark is, how they operate and what to do if you’ve entered into business with a non-legitimate lender. ‘Stop Loan Sharks’ investigates and prosecutes illegal money lenders and provides support for borrowers in the UK - This year alone they have helped with the confiscation
36. Contacting Your Creditors
One of the most difficult things to do when you’re having debt troubles, is getting in touch with your creditors. You might have feelings of embarrassment or be worried what the next steps might involve. The anxiety surrounding this can be made worse by being in prison, it’s no longer a case of making a phone call or going online If this sounds familiar, then Money Mondays is here to help. We’ll b
35. NACRO
NACRO is an organisation that believe “everyone deserves a good education, a safe and secure place to live, the right to be heard, and the chance to start again, with support from someone on their side” - They do a lot of work with people who have experience of the Criminal Justice System and “See your future, whatever the past” Producer Sam paid a visit to their personal wellbeing service in St A
34. Current Account Switch Service
Moving from one bank to another used to be a long and arduous task. This meant that most of us would stay with our bank for many years even if we weren't happy with the service Now, it couldn't be simpler and as such, banks are having to up their games which means you could be getting a nice cash incentive! Zak & Emma take a look at the Current Account Switch Service and how it could benefit you.
33. Money & Mental Health with Becca Stacey
Money & Mental Health often go hand in hand. On this episode, Zak & Emma are exploring the links between the two and looking at practical ways to ease your financial anxieties The brilliant Becca Stacey from the organisation 'Money & Mental Health Policy Institute' also joins us to shine some light on the problem and to look at some potential solutions USEFUL LINKS: Money and Mental Health Cl
32. Debt Kiosks in prison with Matt from Debt Free Advice
Opening up about your money problems can be tough, it can be even harder to do in Prison. That’s why Debt Free Advice have been installing Debt Kiosks in various prisons in the London area. These allow you to be connected with a debt expert in seconds from the comfort and security of a purpose built, soundproofed booth. This was piloted in HMP Brixton and we are delighted to be joined by Matt
31. Credit Unions + Wendy from Access2Advice
On previous episodes Emma has referred to 'Credit Unions', a somewhat overlooked financial option. Here Emma explains what they are, how they work and how they could potentially benefit you Plus, Wendy from Access2Advice is back on the show taking another listener question, this time from Peter in Wayland who wants to know "Do your debts get cleared when you're convicted?" USEFUL LINKS: Quids I
30. Pat Bannigan - The 'Money Man'
On this episode of Money Mondays, Zak & Emma are joined by special guest Pat Bannigan. Pat dedicated a large part of his career to supporting people in prison with their finance, benefit and debt needs. During this time he helped prisoners open more than 2500 bank accounts and assisted them with debts of almost £10 million, in doing so he became known within prison and probation circles as the ‘Mo
29. Balance Transfers + Wendy from Access2Advice
Zak & Emma are back and helping you to fix up your finances Getting credit can be confusing... How do Credit Cards work? How much will they cost me and how can I stop myself paying extortionate interest and being burdened with a debt for many years? Ever heard of a balance transfer? This could be a way for you to save money if you already have a credit/store card debt. In this episode, Emma explai
28. Laudjah's Story
On this episode, Zak & Emma are joined by Laudjah who is sharing his story Upon release from prison, Laudjah struggled to adapt financially to the new world he was facing. He went from working every hour possible, to some frivolous purchases before returning to a life of a crime. Laudjah used his next stint inside to prioritise getting things right in his life. He took courses to make himself more
27. The Digital Divide with Helen from The Good Things Foundation
As the world becomes increasingly reliant on technology, more people are being left behind, creating a 'Digital Divide' The internet is an incredible tool and has become an essential for most of us in our everyday lives. But what if you can’t get access to it? What if you don’t have the device to harness it or the money to afford it? Well, there are many organisations that can help you, like the a
26. Catch 22
Catch 22 are a fantastic organisation who have designed and delivered services that build resilience and aspiration in people & communities for over 200 years Today on the show, Zak & Emma are joined by Jess and Lal who are here to talk about how Catch 22 are supporting prison leavers with a range of financial services, from helping you to apply for benefits to equipping you with the skills you n
25. 3rd Party Mandates & Power of Attorney
It can be very difficult to manage your financial affairs while you're in prison so Zak & Emma are looking at a couple of possible solutions. 3rd Party Mandates are a way of giving a trusted person limited access to your bank or building society so they may be able to do simple things such as check balances and pay bills for you. Power of Attorney is a legal document and usually give the attorney
24. Canteen
Canteen day can be one of the highlights of the week for many prisoners but how has the cost of living crisis affected this? On this episode, Zak & Emma are looking at the facts and figures around canteen prices including some of the staggering increases. They are also exploring ways in which you might be able to save yourself some money and make smarter decisions when it comes to placing your ord
23. World Hunger Day
Money Mondays is back for a brand new series!! May 28th is ‘World Hunger Day’ - Over 11 million people in the UK alone have experienced food insecurity To raise awareness, Zak & Emma have invited guests from 2 amazing organisations who may be able to provide you support if you are struggling to put food on the table Heather from the wonderful ‘Trussell Trust’ tells us how food banks work and how
22. The Tax Academy
To mark the end of the tax year, Zak & Emma welcome tax specialist Paul Retout to the show. Paul was once referred to as the ‘Andy Dufresne’ of Brixton due to the tax clinics he held in the cells during his short stint inside. He has since set up ‘The Tax Academy’ and is now helping those with experience of the Criminal Justice System to get their tax affairs in order Paul shares his story and giv
21. Prison Debt Awareness Week
With ‘Debt Awareness Week’ continuing across the prison estate, Zak & Emma welcome Sarah, the prison debt lead, on to the show. Sarah tells us what issues prisoners are facing in relation to their finances, what they can do to get support and what is going on in the background to potentially improve the situation. Sarah also tells us why raising debt awareness is so important and what effects fina
20. Debt Awareness Week
It's 'Debt Awareness Week' (March 18th - 24th) and to mark it Zak & Emma will be exploring this year's theme of 'Barriers to debt advice' Simon from StepChange is welcomed back on to the show to tell us all about 'Debt Awareness Week' and how each day will focus on a different barrier. From not understanding what debt is to the shame and stigma associated with money worries, we'll be looking at
19. DROs & IVAs
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 impa
18. POCA
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 a
17. Regular Savers, Standing Orders & Direct Debits
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’ E
16. Getting Online & We Are Group
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 th
15. ISAs & St Vincent's
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 w
14. FSCS, Insurance & Wendy from Access 2 Advice
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 que
13. Support for Bills & Insurance
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
12. Utility Bills
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 S
11. Prisoner Banking Programme & CCJs
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 ins
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