This resource has been developed as a collaborative venture with a range of Partners including Anglian Water Trust Fund, Norfolk Connexions, Norfolk Social Services, Norwich and District CAB, Mancroft Advice Project and the Personal Finance Education Group (pfeg).

The partners are grateful to the FSA for permission to reproduce and include original materials developed by the organisation in this pack.

Thanks goes to Julie Clare of Clare & Co Accountants for ensuring that the Tax and National Insurance sections are as accurate as possible.

All materials in this pack may be freely copied and used for non-commercial purposes provided the source is acknowledged.

case studies

The case studies that are included in the pack have been kindly provided by Norwich and District Citizens Advice Bureau. In order to preserve confidentiality of CAB clients, the names and other personal details have, of course, been changed and no individual can, therefore, be identified.

steering group

The development of this pack has been supervised and managed by a Steering Group consisting of: