Our main objectives were related to the improvement of the financial literacy skills and financial management and functional competences of youth with fewer opportunities (Roma, immigrants, NEETs). Via number of training and practical activities including validation of their non-formal and informal learning we aimed to improve their self-esteem, self-confidence, motivation and believes. From other side, we have produced dedicated guidance materials to trainers to vulnerable youth on delivery of the financial literacy including structured curriculum with learning outcomes, didactic methods, learning activities and timetable. This helped to reach another project objective related to the improvement of the results of interventions of organisations to prevent potential poverty of these youth. With series of trainings we also rached the objective to improve the knowledge, skills and competences of youth trainers to guide and support the financial literacy training realisation. All these have been thoroughly evaluated via dedicated surveys, which results have been concluded in a comparative piloting report. The consortium implemented Universal design of learning principles, which enabled full inclusion of marginalised youth.
We have applied the project based on real need analsis related to the crucial financial literacy competence, that everyone should possess, especially young people with fewer opportunities. Many young people from disadvantaged backgrounds (i.e. minorities, low skilled, marginalised) have absence of financial literacy education, because it is not part of the formal curriculum in schools or their communities. This lack of knowledge can lead to poor financial decision-making and increased vulnerability to financial exploitation. They often face challenges in using digital tools and platforms effectively. By incorporating digital elements into the financial literacy training, we aimed to bridge this gap and improve their digital skills. We have equipped them with blended training activities including face to face and distance (via platform, dedicated handbook and animated videos) trainings, practical validation exercieses and also by giving them access to supportive networks, such as family members or friends, who can provide guidance on financial matters. Our consortium have created a safe space where participants can learn from each other and build a supportive and inclusive community towards their financial stability.