European Union, as well as the whole world, is in a very difficult economic situation. Almost all countries have to cope with the crises and their citizens have to deal with a new, demanding, financially difficult situation. Additionally, the societies of Europe are facing another problems; aging of the society, increasing number of people ending education very early in their lives, reducing provisions by the State and employers. On the other hand young people have to deal with this financially difficult situation and the are not prepare to it, schools don’t take the financial education much in consideration. The majority of people have a serious lack of knowledge about planning their finances and about the financial matters. The necessity of financial education is becoming more and more obvious in all European countries as living in the circumstances of globalization, ICT growth and overwhelming inflow of new, completely innovative goods becomes more and more demanding for customers. The financial goods are changing and a variety of new products is introduced on the market every month, every week or even every day. People have to deal with debt traps, banks have a variety of offers for customers which are so complicated that without any knowledge about finances we risk losing our money. The project is based on needs analysis in partner's countries and is suitable for different fields - is cross fields as nobody can be completely up to date with the financial matters and the people 50+, are in the worst position as for them, born more than 50 years ago that flow of modern technologies is very difficult to follow. They feel confused and often lost in innovations. They have never been taught how to manage their finances, how to calculate their pension, how to economize. The situation is also difficult when taking into account young people and students. Although, they know a lot about ICT devices there knowledge about finances is really poor, schools do not prepare them to this challenge. The project support the development of innovative ICT- based content for lifelong learning in terms of financial education, digital competence across the sectors. HBM project fosters the uptake of ICT for learning in education and training systems, including open and distance learning and open educational resources. This universal subject – the financial education is applicable to many sectors almost in the same shape, the need are the same for students, youth, adults, seniors. The aim of the project is to improve the level of competences and skills ( also key competences economic and financial literacy, ICT, digital) by developing e-course (tutorials) to teach people how to take responsibility for their financial future, how to gain financial independence taking into consideration the following issues: understanding the concept of money, financial needs through life, including retirement, the concept of money, management in the short, medium and long term, the meaning and consequences of saving and borrowing, debt, how to manage it and avoid difficulties, the concept of investment.The project will enhance the ICT uptake in teaching and learning, through the support of learning and access to OER. The main and final objective of that project is to create the modules Home Budget Management. To reach this objective the following activities are planned within the main phases of the project: preparation, implementation, monitoring, dissemination and evaluation. Project main phases: 1. the research conducted in the partnership countries with the aim to find some basic characteristics that should be included in those modules in the area of financial aspects of the people lives, then the data will be compared and a common approach will be build to the modules. 2. partners meetings, during which the results of research will be discussed, next work will be planned, 3. short term joined staff trainings - on financial education - 2 trainings with involvement of experts within financial education, 4. The creation of the content for e -modules ( probably 5-6 e-modules) on financial education (understanding the concept of money, financial needs through life including retirement, the concept of money, management in the short, medium and long term, the meaning and consequences of saving and borrowing, debt, how to manage it and avoid difficulties) 5. transformation of e-modules into e-learning
The HBM project supports the development of innovative ICT-based content for lifelong learning in the field of financial education. It fosters the uptake of ICT for learning in education and training systems, including open and distance learning and open educational resources. This universal subject – financial education – is applicable to many sectors almost in the same shape: the needs are the same for students, youth, adults, or seniors. The technology to be fostered is a method that consists in production of e-learning solutions on an e-learning platform (which can be accessed on a PC, a notebook, or mobile devices). Under the project an e-course (tutorials) were developed to teach people how to gain financial independence and take responsibility for their financial future, taking into consideration the following issues: understanding the concept of money, a person’s financial needs throughout life (including retirement), financial management in the short, medium and long term, the meaning and consequences of saving and borrowing, how to manage debts and avoid difficulties, the concept of investment. The aim of the project is to improve the level of competences and skills ( also the key competences constituting economic, financial, ICT, and digital literacy) an e-course (tutorials) to teach people how to gain financial independence and take responsibility for their financial future. The project enables the exchange of good practices between partner organizations; trainers and teachers from partner organizations participated in short term joint training courses in particular subjects connected with financial education. The project has enhanced the ICT uptake in teaching and learning, through supporting learning and access to OER. The aim of the project was also to increase the number of people participating in lifelong learning; it contributes to the up-skilling of youth and adults, including adult trainers and teachers. The project’s target groups acquired new competences in the field of financial education (including mathematical and digital competences). The project also promotes economic and financial literacy. Through the use of distance learning (e-learning) and mobile learning the general access to lifelong learning was broadened. Additionally, the project improved the mobility of educators throughout Europe and supported the development of innovative ICT content. The financial education tutorials are made in 5 languages so the added value of the project is the improvement of one’s language competences, as one can compare the content in different languages and learn a language at the same time. The project influenced the positive change in terms of: - creating an incentive for youth and adults, - increasing interest in the project among local educational institutions, as well as educational institutions from different European countries, - increasing mobility of staff who take part in the project’s training, - creating interest in the project outcomes among institutions not involved in the partnership, - developing new initiatives between partners from European countries, - increasing interest in e-learning courses, - developing a new OER product on the offer of the educational institutions, - promoting further cooperation between institutions, - developing an e-learning platform for new countries and languages, making new contacts and establishing professional relations. The partnership was built of 3 institutions, from Italy Eurelations, from Portugal CTCP and the coordinator from Poland Globalnet sp. z o.o. The partners brought to the project their knowledge, experience, good practices and the access to the stakeholders and target groups.