The Savvy Consumer Toolkit is an innovative financial education curriculum that uses popular education methods to raise awareness about predatory financial products and connect consumers to low-cost alternatives.

What makes this Toolkit different from other financial education curricula is its incorporation of popular education, emphasis on connecting participants to local, low-cost alternatives, and its analysis of industry marketing and messaging strategies. The Toolkit is best used as a supplement to financial education programs that develop skills and knowledge including budgeting, account management, financial planning, and saving.

  • The Savvy Consumer Toolkit contains in-depth information on eight of the most common predatory products including how they work, their real cost to you and your neighborhood, questions to ask, and local low-cost alternatives.
  • The Savvy Consumer Toolkit consists of six separate materials that are designed to be used together to deliver a workshop to a group or to work one-on-one with clients.

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Goals for the Toolkit

  • Increase the awareness of predatory financial products and services present in the community
  • Help consumers avoid predatory products by developing an analysis of marketing and messaging strategies used in the financial industry
  • Connect consumers to low cost, community-based financial products and services
  • Explore the impact of predatory financial products and services at the individual, family and community levels

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Facilitating a Workshop

To use the toolkit in a workshop, please download these materials:

  • Facilitator Manual
  • PowerPoint presentation
  • Invitation Template
  • Participant Materials Packet for each workshop attendee – these materials are intended to be used as takeaways
  • Wallet Sized “Ask Yourself” Cards to hand out to participants for use after the workshop ends – these are intended to be shared with family, friends, and community members

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One-on-One With a Client

To use the toolkit directly with a client, please download these materials:

  • Facilitator Manual
  • Product Overviews
  • Wallet Sized “Ask Yourself” Cards

Use the Facilitator Manual to educate yourself on the curriculum’s principles and context, and use the Product One-Pagers with clients to educate them on the costs predatory financial products and practices. Finally, use the Wallet Sized “Ask Yourself” Cards as quick reference at your desk or at a VITA site.

Facilitator Materials

Designed to help prepare, deliver, and evaluate the workshop. The manual accomplishes this by providing an overview of the curriculum content, its underlying education principles, and a step by step guide to facilitate each module.

Facilitator’s Manual

Use the power point presentation to deliver workshops. The power point includes discussion questions and talking points as well as notes for the facilitator.

Powerpoint Presentation

Invite people to your workshop using this downloadable flyer. Available in publisher format, so you can edit the flyer to your needs.

Workshop Invitation Flyer

Participant Materials Packet

Participant Guide

Designed as a takeaway for participants that can be used as a reference guide after the workshop ends. The Guide includes answers to questions about predatory products, the marketing strategies used by businesses in the fringe banking industry, a cost comparison of various financial products, and detailed information about low-cost financial product alternatives.

Product Overviews

Designed to be a reference guide for use after the workshop ends, the packet includes a one page summary on each of the eight predatory products included in this curriculum. The one-pagers summarize what the product is, and answer three questions: What should I watch out for?, What is the real cost?, and What can I do to save money?

*Participant Materials Packet includes both the Participant Guide and Product Overviews and are available in English, Español, tiếng Việt, 汉语/漢語 Hànyǔ, and Tagalog.

English
Español
tiếng Việt
汉语/漢語 Hànyǔ
Tagalog

Wallet Card Handouts

Designed as a quick reference guide for participants and community members, the Wallet Card Handouts contain key “questions to ask” in order to help people avoid using predatory products for each of the eight predatory products included in the curriculum.

English
Español
tiếng Việt
汉语/漢語 Hànyǔ
Tagalog

The Savvy Consumer Toolkit materials are free to use.

Registering below helps us know who uses the Toolkit and lets us get in touch with updates and news about the toolkit. We make better tools when we know how you use them!

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This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 3.0 Unported License.

Icons used with CC license by N.K.Narasimhan and Razlan Hanafiah.

This toolkit was produced with generous funding from:

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