There’s a third type of participant: professionals from services such as the council, Jobcentres, banks or local charities. But they attend as individuals, leaving lanyards at the door – and maybe sharing personal experiences of money worries. That helps participants build trust with the key people they might need in future, according to the co-founders. “You’re not saying, ‘I’ve got to go to the Citizens Advice this afternoon, and I’m really nervous. You’re saying, ‘I’m just going to pop along and see what Sylvia says,” explains Taylor.
The mother-daughter pair are clear that this is not a conventional budgeting course; it doesn’t involve showing all your bills to an expert to get their advice. “We…

