The Sorted whanau study - financial capability education and problem gambling.

International Gambling Conference – February 2016

The Sorted Whānau Study: Financial Capability Education and Problem Gambling

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International Gambling Conference – February 2016 2

Acknowledgements• Ministry of Health

• Raukura Hauora o Tainui

• Commission for Financial Capability

• Te Awa Ora Trust

• Clients

Raukura Hauora O Tainui


Problem gambling services and financial capability

• Current model of service provision

• Why the Sorted Whānau study?

…it needed to be done…it is innovation…we saw that budgeters were a stop gap…took away the ability for whānau to manage their own finance…


The Sorted Whānau study - Aims

• Explore the financial capability needs of Māori and Pacific problem gambling clients

• Develop and implement a pilot financial capability education programme for Māori and Pacific gambling clients

• Evaluate the pilot programme to identify its impact on financial capability understandings and behaviours for Māori and Pacific gamblers and their whānau/family

• Review and revise the financial capability education programme and consider its transferability to other gambling service providers

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Needs assessment - What did the evidence tell us?• Relationship between gambling, money and debt

• Gamblers’ attitudes toward money

• Problem gambling and debt management

• Holistic approach

• Financial literacy education

• Future research

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A high level of interest Specific financial capability content and topics Preferences on the delivery and facilitation of the pilot

programme Professional development opportunities for staff Barriers to participating in the programme for Māori and Pacific

clients and opportunities to address these prior to the roll-out of the pilot programme

Would knowing more about managing money help you? Your family?

Needs assessment - What did Māori and Pacific clients and staff tell us?

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Developing the pilot programme Enhance and ensure ownership of the financial capability

education programme by Māori and Pacific clients and providers

Develop and implement a train-the-trainer programme to develop provider staff skills in co-facilitating the financial capability education programme

Meaningfully engage with Māori and Pacific clients and their family/whānau/aiga to enhance commitment and participation in the financial capability education programme

Raukura Hauora O Tainui

Problem gambling context

Cultural context

Sorted Whānau modules

1. Whakawhanaungatanga/ Va feiloa’Ï2. Money influences3. Money journey4. Debts − open the boot!5. Setting your goals6. Buying things − what you need to know7. Your options when things get harder8. Aroha, appreciating each other9. Ask an expert10. Poroporoaki

The modules

International Gambling Conference – February 2016

Malatest International January 2015 10

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How and how well was the programme

developed?

How and how well was the programme

delivered?

Should financial literacy education be integrated into problem gambling

service provision?

What did the programme achieve?

Key evaluation questions

Evaluating the Sorted Whānau pilot programme


Staff – PersonalA funeral in the Islands, my husband was meant to go but we talked and it is cheaper to send the money…saves thousands.

…used to do everything with my card. I do transactions with cash only now…reduces fees on card…

Ever since I’ve noted down my spending, I’m more conscious of what I buy…

• Making informed financial decisions• Increased financial literacy knowledge• Tracking expenditure• Prioritising expenditure• Attempts to balance cultural priorities• Sharing financial skills with others

…what used to be $70 now $60…one treat after eight weeks…[saving] about $150 a month…doesn’t need to be every fortnight…prioritising more…

Made me change my way of thinking and how I deal with things. Us Pacific Islanders always say ‘yes’…I say yes to some things and no to some things now. I explained this to my children and husband…it hurts some people, but at the end of the day if I keep borrowing money it will impact the times when my children need things.


Staff – Professional

Be more familiar of what to deliver. Seek further Pacific ways of budgeting so the content is real.

Contracts

How confident are you to facilitate the financial literacy education programme

with your clients?5 1

Not confident Confident about some of the programme

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Clients

• Recruitment from Raukura client database

• Currently in the recovery phase of treatment

• Participants in the gambling focused pre-programme

• Eight problem gamblers and two significant others


Pre-programme Post-programme0

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Confi

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Clients - Financial capability knowledge and attitudes

This programme has made such a difference in my life at my age…I feel confident and aware of what I’m spending and where the money’s going to and even being able to negotiate with my creditors…It’s taught me to speak up rather than accept…I’ve learnt to be able to negotiate…


Pre-programme Post-programme0

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Cont

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situa

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Clients - Financial capability knowledge and attitudes

This literacy course just opened my eyes to a lot of things I didn’t think I would be able to do…I’ve got a lot of options out there.


Clients – Financial planningIt’s just made me know that my money can be spent better now rather than just put it on things that are not needed.

save because I know that my daughter’s 16th birthday’ isI do have a lot more spending money which I just coming up next year.

The course has improved my ability to save and to know what the difference is between good and bad.

Post

Pre

Post

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I don't agree Maybe

I feel saving money each month is important

I've spent time thinking about how I spend my

money


Clients - Financial capability behaviours

Post

Pre

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6

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No, I don't have a plan Yes, I have a planDo you have a plan for

what you spend?

I’m saving…I’ve nearly got $90

I’ve got money in the bank at the moment, before if somebody said to me I need $5 well if there was $5 in my bag I’d give it to them…ever since I’ve done this programme I’ve been putting money aside, it’s not much but it’s going to accumulate for the end of the year and I’ve never done that before.


Clients - Financial capability behaviours

Post

Pre

Post

Pre

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No Yes

If you said you have finan-cial goals, do you also have a plan for how to achieve

them?

Have you thought about the things you would like to

buy or do in the future?

If it wasn’t for this literacy course I wouldn’t have even bothered to think of any goals that I was wanting to succeed in or achieve

My goal was to save for my daughter’s 23rd…that’s done…$500…now I’m starting on phase 2…and I’ve got $250 saved up already.


Clients – Managing money

Overall, how useful did you find the programme to helping you

manage your money10

I get $311.94 in benefit per week…I pay $145 in rent which covers my room and also power and phone…I spend $50 on food which leaves…I put $50 away for savings, $20 for my student loan and $20 for my train ticket that gets me to and from my [study]…that leaves me between $20 to $30 pocket money per week.

I’ve already planned once we’re debt free and we’re given control of things [from the budgeters] I’ve already planned what’s going to happen…because I’ll be back to my benefit every week.

Have you shared what you have learnt from the programme with

your family, friends or others?1 8

No, I have not Yes, I have


Clients – Managing gambling

Do you think the programme has helped you to manage your

gambling behaviour?10

…it’s made me think…I don’t need to spend my money on…I don’t think of that anymore…I’ve got other options…[gambling] it’s not even on my mind or anything…it’s all changed and it’s really good.

I don’t gamble anymore…I do the odd scratchies …that $10 or $18 that I sometimes spend on the scratchies…that can go towards milk and bread for home.

I haven’t been to the Casino I haven’t been to pokies…I could walk past a TAB and someone would give me $10 and I’ll still have that $10 in my pocket the next day…Because it’s like I can go and get 10 loaves of bread for that 10 bucks, I’d rather think about this than think about that…

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Discussion points Developing the programme: • Co-design, multi-agency, collaborative and inclusive• The programme modules:

• Additional guest speakers, earlier introduction of spending diary, extending length of modules

Delivering the programme:• Client readiness• Client participation and commitment – promoting the programme to

clients, incentives to attend• Group formation – limit numbers• Programme facilitation, co-facilitation and coaching • Staff turnover• The participants• Gambling context - integrated into programme content

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Transferability

• Provider support• Provider role is essential (engaging/preparing clients, coaching and

supporting clients)• Ongoing professional development for provider staff (as lead

facilitators)

• Developing the programme: • Core module content and context has been developed but co-design is

required to meet needs (cultural/other) of different providers

• Delivering the programme:• Need a pool of trained facilitators to provide ongoing external

facilitation support

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Key recommendations

The Sorted whanau study - financial capability education and problem gambling.

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