Care leavers
Build confidence with independent living budgets, rent, bills and direct debits. We use examples that make sense when everything is new.
Accessible financial literacy
Managing money can be harder for some. We're here to help.
Phillips & Powell Sterling provides patient, practical budgeting support for care leavers, low-income households, single parents and adults with additional needs across West Suffolk.
Small steps. Clear choices.
Practical support
Programmes designed with you in mind
Every session starts with real circumstances, from setting up a first bill to making a weekly budget work until payday.
Low-income households
Work through income, priority payments and debt choices without judgement. The focus stays on practical money management for low-income households.
Single-parent families
Map irregular costs, plan around school expenses and create a small buffer when circumstances allow. Sessions can be arranged for small groups.
Adults needing extra time
Low numeracy, learning disabilities and long-term health conditions are considered from the start. Visual aids and repetition keep each idea manageable.
A calmer way to learn
How we make learning accessible
There is no test to pass. We explain one useful point at a time, then give people space to practise it.
Plain English
We explain interest, priority bills and borrowing without jargon or shame.
Visual, everyday examples
Simple tables, familiar receipts and real-life scenarios turn abstract figures into clear choices.
Flexible pace
We repeat key points, pause when needed and adapt sessions around energy, concentration and confidence.
One-to-one support
Private sessions suit people facing intense anxiety, cognitive needs or difficult personal circumstances.
For local organisations
Work with us to reach your community
Charities, housing associations and local authorities can refer people, host small groups or build money skills into existing support.
- Sessions shaped around your residents or clients.
- Train-the-trainer sessions for support workers.
- Practical resources for follow-up conversations.
Money skills in the right setting
Housing teams
Charities
Local services
Local confidence
Trusted by support services
People need time to talk about money. These comments reflect the patient, practical approach we bring to each programme.
"The visual budget gave our young person something they could use the same day."Rina G., care leaver mentor
We needed money management support that residents could follow without feeling singled out. Phillips & Powell Sterling listened to our housing team, changed the pace and kept every example grounded in daily life. Residents now bring specific questions to appointments.Carlitto Mitchum, housing association officer
Why did we choose Phillips & Powell Sterling? Because the sessions give people a clear next step, even when their finances feel tangled. The plain language helps our team continue the conversation after the session.Thanura Teresa, community support worker
92%
of participants reported reduced money anxiety after taking part.
A practical first step
Start your money journey with us
Refer yourself, ask about a group programme or speak with us about your organisation's needs. No pressure, no judgement.