The results from both methods are combined, considering what themes emerge and what implications these have for financial capability policy and practice, as well as future financial capability research. The qualitative analysis uses in-depth interviews and focus groups to develop deeper insight into how and why the tool does or doesn’t work, and any wider impacts it might have. The trials use both survey data on behaviour and outcomes across budgeting, spending, and saving, and objective data on participants savings balances. The quantitative evaluation is structured around six controlled field trials, each with a different delivery partner organisation, testing the causal impact of the tool in multiple real-world settings to provide more confident, generalisable findings as to whether it works and who it works for. The evaluation uses a mixed-methods impact assessment. The tool focuses on budgeting, drawing on findings from behavioural research to promote small changes to everyday spending decisions, that build resilience and help participants make the most of their money. This project aims to design and test whether a radically simple, practical, scalable financial education tool, delivered pro-actively through organisations that have an existing relationship with working-age adults who are Just About Managing, could reach and nudge them to live a little within their means, building resilience and preventing them from falling into future financial difficulties.
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