Case Studies


Case Study 1:

Client N, a single parent of 2 young children:

Client N attended a local Children’s Centre and had signed up to take part in our Potteries Moneywise 6 week training programme.

On week 1 of the Potteries Moneywise sessions the client group each set saving goals. The first saving goal was for the end of the sessions. With further long term savings goals being set to continue for up to a year.

Client N said she would like to save at least £1 per week stating that she paid her bills weekly, but she never had any money left.

During the session we discussed how to use a spending diary and the merits of doing so. (A spending diary is a written account of purchases made each day and is useful to highlight unnecessary spending).

The clients taking part in the session took the spending diaries away with them, admitting to some feelings of trepidation and wondered how they were going to help.

At week 2 .. Client N said that she had felt so guilty about the thought of spending money and having to write it down that she had spent much less than usual and having paid bills and other necessities promptly went home and put her change into a jar.

Week 3 Client N entered the room buzzing with excitement, as she sat down she told the group that the day before the session she had bought a ‘nearly new’ Marks and Spencer’s three piece suit for £50.

She said that she never thought she would be able to afford to decorate never mind replace her furniture. Client N said that she had only managed to buy it because of using her spending diary. She was very thorough in using it and said it had made her think twice about spending her money.

Her long term goal is to save for a family holiday for herself and her children, something they have never been able to do.

Case Study 2:

Energy Best Deal Appointment through Potteries MoneyWise Project:

K came into the Bureau to see someone from the Potteries Moneywise Team to help with his concerns of high Gas and Electric bills. He was finding it a struggle to maintain payments and was worried about getting into arrears.

He is a pensioner, in receipt of Pension Credits and Personal Independence Payment.  He lives alone and is extremely vulnerable.

We discussed the options available to him with regards to his current Provider and Tariff.

We carried out a comparison of alternative tariff’s using a comparison site, this identified a saving by switching to a different supplier of £397 a year.

We also identified he was not on the Priority Services Register and had not received the Warm Homes Discount and made his new provider aware this.


Case Study 3:

P came into the CAB for a Debt appointment and was referred into the Potteries Moneywise project for money management, and to explain to her what priority and non-priority debts are.

P began to face financial difficulty when she moved to Stoke-On-Trent, she was struggling to find work and manage her family needs.

P health deteriorated due to the stress of her debts and the support her son needed who has ADHD.  This resulted in P losing her hair because of alopecia.

P dealt with her debts by making an application for a Debt Relief Order. This enabled us to assist her to budget more effectively, reduce her outgoings and maximise her income to help prevent her getting back into debt.

P’s son then started a job, we advised her that her son should now be contributing to the household bills.

P was struggling to pay for her Gas and Electricity and also had a small amount of rent arrears.

P however started to receive a contribution from her son which allowed her to pay for her existing priority bills and to also start to address her rent arrears.

P had a laptop that she bought on hire purchase and this was taking a lot of her wages, especially with the insurance she had to pay. We reduced the amount of insurance she had to pay by taking it out with someone else at a much lower rate saving her £7.00 a week.

P was also living in a property that wasn’t in very good condition and she wanted to move but needed to pay off her arrears first. We help her budget better so that she could afford to pay £20.00 per week towards her arrears without it affecting her other priority bills.

She has now moved into another property that she is very happy with.