We don’t manage crisis — we eliminate the need for it.
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Preparing for Real Independence
Across every borough, the pattern is the same.
Young tenants, often care leavers or supported residents — move into independence with enthusiasm but without the financial literacy to sustain it. Within months, arrears build, debts accumulate, and eviction risks rise.
SMART MONEY KIDS partners with local authorities to solve this at the root.
We deliver structured, evidence-based financial education that reduces arrears, strengthens tenancy sustainment, and improves EET outcomes.
Unlike generic workshops or one-off interventions, our programmes are embedded prevention models. Fully aligned with housing, youth, and social care objectives.
Rent Readiness Workshop
Supported housing or youth hub cohorts.
Budgeting, bills, arrears prevention.
6-Week Financial Stability Programme
Care leavers or vulnerable tenants.
UC, benefits, debt avoidance.
12-Week Independence Programme
NEET & tenancy sustainment clients.
Long-term capability & mindset change
Borough Partnership Model
Local authorities & delivery partners.
Multi-department impact & evaluation.
The Problem
Despite years of youth initiatives, the same challenges persist:
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High rent arrears among 18–25-year-olds.
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Increasing evictions and homelessness prevention cases.
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NEET (Not in Education, Employment or Training) rates rising post-18.
Each failed tenancy can cost your borough £8,000–£15,000, excluding follow-on costs such as temporary accommodation, social services, or court action.
Traditional advice services intervene too late, after the crisis begins. SMART MONEY KIDS intervenes before it starts, turning reactive casework into proactive prevention.
The Solution
Our Financial Independence Framework delivers practical education for young people preparing to live on their own — from care leavers and housing clients to NEET participants.
We teach what matters:
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How to manage rent, bills, and benefits confidently.
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How to avoid debt traps, borrowing risks, and missed payments.
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How to budget realistically using real-world benefit rates.
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How to build financial stability, credit history, and independence.
Our programmes are trauma-informed, outcome-driven, and delivered by experienced facilitators.
Each course is tailored to your borough’s existing pathways, ensuring alignment with Leaving Care Teams, Housing Support, and EET services.
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