Navigate the money maze 6pp DL client

Talking about money is hard
- especially when you don’t

have very much of it...

Free workshops & courses

PAYPDPPAPAAYPAYYADYDDYADPAADYAAYYAYYPYDAPAYAYYDPDAPAAYAYYYDDAARYYENRPTRRERAEERNYENNDETNTATNRTYTENRTREENNTRRTEENNTT RENT HHOOUUHHHSSOHOEEOHOUKKUOUSUEEHSSUESEEOESKEPPKKUEKHIIEEKSNNEHEOEEEGGPEOUPPKEIPUNSIIHPEHHNINSEHGNOIEOOGGNOEKGPUUUUGKEISSNSSEEEEEEGEPKKKKPIENEEEIENGEEEPGPIPPNIIINGNNGGG CCOOUUCCCNNOCOOCCOUUIIOUNULLCNNUCCNTTOCOCNIAACLUIUICCLXXILLNTICOLTCTACTOAUAIXATILLUXNXAXCTCCNTCXAOOOACXILUUUXILNTNNACTCCAXIIILLLXTTTAAAXXX MOBMMMMIMOOLOMOBEOBBIOBLIBMPLIEIBLILHEOLIPEEOLEBPHMEPNPIOHPLMOHHEPNOHEOBOEOHONPBINMONLMENHIEENLOEOOEEBPBNIPHIELLHOEEONPPNEHHEOONNEE
PAYDAY PAYDARYENT RENT MOBILE PHONE MOBILE PHONE

PPPAAAYYPPYPDPDAADAAAYAYYAYYPDYDDYDAAAAYAPYYYYDAPAYAYDYPADAYAYPPYPDPAAPAAAYYAYYYYDDDDRDAARARAAEYYEYYEYNRNRRNRTETEETENNNRNTTTETNRTERNETNRTERNRRERRTENEEETNNNNTTTT HHHOOOUHHUHUHSOOSOSOEUEUUEHKUSKSSKOESEEEEHEUEKEKKEOPKSHEPEEPIEUHONEIEEINKESNOPGUPHPGPEUGIISOINNIENKSNEHGUHGEPHGEGHKOKSOIEONOEEEUUPUGEUEKSISSPNPSEEEEIIGENENKKKKGPGEEEEIEENEEPPGPPIIINNINNGGGG CCCOOOUCCUCUCNOONONOCUUCCUCCUINOLNINOILNLCUCCTUCTNIATIILONALICLCALXUCXTIOTXTLTANAIAULCATXCXXANOXTIXCALCUCCCIXONOTLOOACUUTUUXINNALNNCCXCTCIIAILLILLXTTTTAAAAXXXX MMMOOMOBMMMBOMBIOOLIOBIOLLEBBIMBELBEIIEPILOLILPLPHEMEPBEHEHOHOIPMOPPLOOPNHBHONEHNHNEOIOEMBOLEEPONNEINOHNLEEMEMOBEPMMHOIONPOLOOBEBEHBBNIIOILLPILELUUENEHEETTEOPPIPILPLUHNHIHUTHUITUOEOTIOTEOTUIITNNLESINITNLILIEEULSTEIEILTITTITEIIITEIELSEUISISESTUTSIIETLISILUTUIITTEIIESLLISITTIIEESS
HOBHHHBOHOOIHOBEBOBSBBBBHIBEIIBOEIESEIBSHSESBHOSIOBEBBSHHBIOEOIESBBSBBIIEESS HOBBIES HOUSEKEEPING COUNCIL TAX
HOBBIES UTILITIES UTILITIES
BBBAAABBBBNNNAAABAKKKNNNABNKBKKNAKABBBKNNAAABKKNANNNKKKK PPPOOOPPPPOSSSOOPOTTTSSSOPSTPPTTOSTOOPPPTSSOSOOTTTSSSTTT CCCHHHCCCCAAAHCHHCHHNNNAAAHCAACCCNNNAHNNHEEECCCCCNCACAEHHEEECNENAAECCNNEECCEEHHHOOOBHHBHBHBOOBOBOIBEBIBHIEBEBSBBOSBSIIIEHBEIEESOSBSHSBIOEBBSHIBEOISHBHEHHOBOSHOOIOBBEBBBBBSBBBIIIEEIIEEESSSSSHOBBIES
UUUUTTTITILLUIUUILIULITTTTITIITIETIIILLEIULSILEIEISITTITSTSIIUIELEIEETISSUSTSILTIEITULSITETIUISULUEUTITSTTTIIILILILELIIITTSITTIIIEEIEESSSS
PAYDAY RENT MOBILE PHONE

BBABBABNAANBANKNBAKNBKAKNKABBNKABNBABKNAANKAKNNKNKKK PPOPPOPOOSPOSPPTOSSTSPOOTTSTOPSSTPPOSTPTOOTSOSSTSTTT CCCHCHCCHAHCAHHCANAHNAACHNCNANCNCHACECCNECCHCACNEEECEHHAHNHCEAANACAENNCNENCCECCEEEETOP-UPSHOP
FFFFFFFRFRRRRFFRFRFROFOOOORRFOFFRROFORFFOFOFRMMRMMMROORMORRMRFROMFOMOMORMMOOOORBMBBBBMOMBMMMOBBBOOOOOMBMBMAMOMBBNOMOBOOKBBDBDBDDDBOODOBBODBBOBDOOBDODGGGGGDDOOOOGODGODDGDGGDDIIIIIGDGGDDTDDIDTGGTTTIGITGIGITGTGIIIGTGTGIGTTITTTTITTIIITIPOTOTOOOTTIIIITOTOTTTOTTTSOTOOTTOTTTTOOOBBBBBOOTTTTOOBOBOUBUUUUBBBOOOBOUBBUBUUBBDUUDBDDDUBBUUUDUDUDDBBBBUDDDGGUGGGUDDDDGUUUGDGUCGGDGGDGDEHEGEEEGGDDDEADEGEEGETNEGTEGETTTECTETEGTGGTGTTE!E!T!!!TTE!EE!!TT!!!!TEEEE!!TTT!!!TTTT!!!!!!!TTTTTOOOOOPTPTTPPP-PTTOOU-PO---PPPOTUETO£UUUTPEPP£PEEEOOT£££P5TTOPPPP-PT5-P-PTTT555SUSPOO-PUPU-PSPESUE£SSSSSSEU£H-PP£E-PPTPE£P-PTHTU5£TUP5HHHT5PUEOTEO-P5£-PTOS£5SESOPSTU£PSUSOOOTSPS5TE5PSESP£HT£P5OHPHTPSSPPPSHST5TH-P5SSO-POOPTUOHUTSHSOSSEOHE£PO-P£PPPOOPHOUHTP5OTP5EP-P£PPOSTSPOTPUSSTTPTTT5-PET£-POOHUPOPHOUSOOTSEOT5£EPO£PWPOOHPPSPPSTW5PT5WWW-P-PPP-PP-PAOS--PPUSHU-PSUSUAUUEP-EUE£AAA£ETEE£UHWPOP£PE££WHPWTE£PTPP5T5£WTTTTP5ETWP5TT55OTP5ETOA5SSSSAWEEESSAWSRSSSSSAWSSSSPARTHPTHRRRTHWHWAHHTAHHTERAEOEOORTEOOOTARRREAORTTARRPPEAWRPEOWPTPRTPPAAAETPRRPTRREPERTTTAREWARREEAP-£RAREEEATSURTRWAT5EARST£TSSSETPESAWTRATR5TWEAAEERRSTSETAEASTATSASHESERTWSTEERTWWTOWSWWWSEEWERASAAERPAASASTARTAATRAARTTETETTTETTERHEARERESEESHEEHHHRRTAERARRRRERSEEEETAWTARHRAHRHRAAARRESHRLWETAHAEALEAEASTLLLAAHETHESAAEHTATATTTTEAHTTSETHATEHHEAEELEHHHRLEEEELAEAELESTSLATSRTSSSRTSLALTHAHHLHATHRTHLETLEHTHAHTTHAAETEHHHSLELAHEHHTTSLEAEHEHTAALAHHHHHHHTLLHCLEETECHETEECCCTELAHAAHLAAAHLLLAHOLLCOLCLLLCOOOELHTCTTCTLTTTLALETTTCHHCLHHLCOHHHOLAOHHHLOICLCTOLNTILTTIIIONHOLTLTNNNOTHGHHHGTOHOCTCHGGGTIIINHNHITLNLTIHNCNGIHOGIOHGCNINGLCGNIITLTGONGNCLGCOHHGOTGLLTIIHNONTOHCCCCCCIGHCGTCITNLNLLLLLLHCILHOGOGNOOOOOLIOINTGTTONTTTTTHEHHGHTGHHHEHEEEIHIINIMINIINNIMNINNMMMGNNEGEGGGGGEGGEEMMEEEMEEEMREEMMRMRRREEMMGEEGEGGGREREEREERMMEMEGREERGRNGEGMNRRNNNGGEEEEGMEECEBGGCRNMBRECCCNERMEMPEBBBNERYPNPPPEREMGYHERRRNEYYYRGENOGCHECNBHHHB OEBOECMOOMCBEN MPRNEMOABPM PRGMOOOYERCERAPYRCENBPBAAARRHCYHNDRRBNHYOPGONNNRHPDCOCEHR GNBPYRDDDB NOOEEYEOBOREEOYEGH EAHEEEPOA PGBCE,GAOOHBROBBBRYANYE,EANO RNAR NODP,,,RTHCOHRDCA NRBRDOYBNAORAATOAEDEENENTTTEDHA VNEP BNOPONBONEGRGBVYREDGNCNNNA,YD GABVVVG,,ONDNB,DHGAHENN,AEACNDOTA,BPO,,,BETDDDDCBATN RBAYEOB TEP,NODE,ETCVNEEREVHBAYN,PVCEABAEBNBOCTHVRNATPYBNB,VDONN,,T NRD,YNODDPH, NNDAN,NOVAPHRVN,OAATYDNTERAVOYTE HB,O NDN,BNOHDNVONVC,DVCDDAAOBC,BC CBTOABE ECBBN,NAD,,ODDTBPBTPDABTDPTTTRPAORPPY,YREPNY,RNRRVYEONAYHBNRVHYTDOOOHABHOHHDO,TPOH,DONE OO,AV TDOPEO TOT BONT APPPVOOOB-A TA,TDOA,TONAVOAAU-,ONAN,A---DNNOTUVNATDTNN,ODUUUDNTTPDDDPPTEPDEON,ODEV££PTENBTEEBOVPPPPBOE-B-BB,-,B,55UDSPOO-UP,,,,DAU-AP,PSATUATAASSSTUATH-TPTT-PTPTTN-PN-HVUVN£UPVNHHHUNNVOPUVVONOO-V£-T,£D5S,£DOP,STDU£P,PUSD,,OOODDPPO,S5D5PSPH£5OHPHTP-SSPPPP-HSUH-5SOUOOPTUO-H£HTRHSOPSU£OHR5PPO-OPPRRRPOO5HOPUHPSOPEP-PSEPHPOTSPOTPUSEEETRTPRTT-CTH£O-ORHOHUPOCRPROUOOSCCCO5ERO£POERPEOPPREHPPPPESE5PPEEPR-RC-CP-EREI-O--USHUCE-CUSIUCUUVIIIURE£HEPVCOEPPEC££RHPVVVPECPPREP5E55OEECCPICOSIESEEISSSSEERIEVESVIPCVH EPHVHEEHIVHH IC RH ICEEOV IOEVEO OVOOIRIVEOREIPVCPVE P PEPPVE PE E EIC IEE EVR RRV CRR C RE I EEE V EEEEEIEC VCCI CECTI CC TVVTTTCREEECCC EREEOTERRRC OAEOOOIEIR TAISTIITAAACOVVCIT VTSCVCATRV SSSVCVRT VCRRVVVSOETRT OTTVOOR CCTTTTAECSEOEAATEOEEEARCRELESREATSSOETASSSRSVOLVCOSVCASVLLL OS LATTVR ARST V ETEA V ESOOT SES TTV SSTEVSAL ACETSEVLLTSCTLRSSETLEVLVRLOESSTOTTALSCLEEALSRSSTVSLOCLVTARTETTCEOSSCVRSALRLOTSOHEHVAHAgSgTTHHHSTTHCLaaTgSCTTTTVECEETgggCViiCCgaRTRCSEpTRvaaapVvaTTTVRiHRRTEEEOEaELOaRiiiiOpvHEVOgeHOOppvApppvvvSeHAapVVVOcAaaSTgLHAaaacEAALgeLSpHsieSgApyLaSeeesTpppcpVhavScgyVVESSTLIaVEgcccTihHSaVssEHLLLIiVVCayyTTipVTvehaEsssHpyVhTpCyyyTBvgiVIEEpTcvgEaTThhhVLypiEaIIIBpTCEvgEasVayEEHToaySepHBpvTSEpCCCVyEeahpESBaEiipIecpTSiaLlyyyoSSLLEgcBBBpoNgeCrpLpLSvciuVEpasLivLepppVLLpyiyolsacBlaaTEEEpyLvsLtTNhaVErcooorypiEIuhuLaaisElCaIehyipyHhoiiieNIsprCtllltpyhvuacCpV£iveINNNpVcrrrHLyhClyuuuChBLaaagayyINerthcsBECuydays£LpByCtttga1Ce£pyEyhpTetshepBphIoEEyydCCCrIyyyceoEBCihhhaycpEh£h1LadToiCLIEEpC0liHp££££rs1voeiylVEisNyErCadByylouNearBeeehr0aiEpyduNEEEhv1ardddyIpgVlauIiBap1EtNlr1110earEpyotCupaNCrroHtTCyurrrEacahyECie0yypoBLt0hiaaaCyliByhl£t000NscgrpiC£NpyyuprLavhlEyVy£uCeEayhHoENhsradeoIaT£yyyyEutadHeEtE1id£hiCil1egIyeltEpCh1dNryreyNhgrEpurvaBdCacuVC1aay£rhLTa0£1pEyaat0rTBestEi£0EyedraoECdpeiypyCh0haype1vhEIyVEi1d0ocpyvl£VraL£1CNrHryiHauasaeaHlyyeEr0edpEBHd0NHHrahtegup1acgHIp10LgEyCcygrytahoggrLsaTaTyaEgaEyTsC£0iayhiByaa0EThilTTIEiahEEeNprTpiEv£IdpuiiVvEaCyVpyvioV1paevCppyaVvvEtdVVBapivryaVe1lBaapCpeyaphNearpE0pcrueapoceeppLE£cLaeopcLis0tccsLeyylLLEyscidyNChsLrylhsshyuI1ayyhyINrshIuyahh£CIrtCIIhCaIyetCyCEB0CCydByhBCCyyp1yyhBpBB£EpyEyoBrp£EoppeEoaEEEdpioei0ooEEldi1loNilrNiir1ulaNrullraiyNuraNNalrrruatuuaa0Ntratua0CtyCtthyhCyythCyCC£hyy£yhhC£yhe£e££EdEed£Eed1eeE1dEEdd1eEr1dr11raa1r0rra0a0raa000ayy0yyyyyTV LICENCE
UTILITIES
HOBBIES

£5 ££55£5 £5 ££55
£5 ££55
£5 ££££5555 £5

www.navigatecharity.org.uk

Do you need to make your money
stretch further?

If you are worried about debt, or how to keep
your home warm, or your family well fed, we
can help.
Navigate is a small, friendly charity, run by
and for people in Devon and Somerset.
We offer free, practical and interactive
workshops to anyone locally who wants to
learn how to manage their money better.

All of our courses are delivered by
experienced tutors who make every
course or workshop fun and interactive!

In our Navigate the Money Maze
workshops, we talk about:

• Budgeting (including our popular
‘From bodgit to budget’ game)

• Borrowing, banking, income, debt.
• How to decide your own spending

priorities
• Financial jargon and what it means
• Understanding payslips

You will not be asked to share personal
information or anything you aren’t
comfortable to discuss.

If you need confidential, one-to-one advice
to resolve a money problem, our tutors can
also introduce you to a Navigate Money
Advice Caseworker.

All our services are free.

Navigate the Money Maze
workshops and courses

Our introductory workshop lasts 2-3 hours,
and is delivered online or face-to-face.
We have a range of other workshops and
courses, designed to suit everyone who
wants to take control of their money,
including Level One and Level Two Awards
in Economic Wellbeing and Financial
Capability.

Our work is supported by:

Our free Navigate the Money
Maze workshops can help if:

• You worry about meeting monthly
repayments

• You want to prepare a flexible, realistic
budget, you can stick to

• Your money worries are affecting your
wellbeing

• Your benefits or income have changed
recently or will be changing soon

• You are finding it hard to pay your rent,
Council Tax, or other bills

• Your circumstances have changed -
this could be something like losing a
job, moving in together, separating or
starting work, and you’d like to learn tips
and tools for making the most of your
money.

FFFFFFFFRRRRRFFRRFBFBBBBROOORFOORFABAABAAFBBOROFRFNBANONANBNARAFOFRFFOBMAKRNMBMKNMAMKKKNONRROBABNMFKAMRNOKRRBRKOKMABBONAMKFNOMOKARBABBBNBAMNKBOMOOOKNBNARBABBAAMBBAKNMAKOMMKKMANBNBNBNNMKNOBONOOBAMOOKMMMBKKKKKMKNBOOBOMBKOBBOBDBDDDDOBODDBOOBBBBODOODDGOBGGGGDOODOOOGGDDDOGDPGPPDPPGIDIIDIIGOPOOPGOODPGDPDTDITGTITTDGPGOSOIPSSOSSGOITGTIPGOPTPTOSTTSTTISTIGSIGGPGTGIOTOPTOTSTTTIPTSPTITTOIPTIOSSTTOTSPITOTPTPOPPPOIOTSOTOOTPISSOTIIITOSTTOOOOOTTOSOTTTTTSTTOTTTSOSSSSOTTTSOTOOTTTTTTOTBBTOBBBOTTTOTBOOBOBUUUUUBBBOOOOBBUBUBUUBUDBDBUDDDUCBCUCCCUBUDDHCUHCDUDHBHHCBBBUCCDDDGUDGCGGGAHCCAUHADAAHHHDCGDUGHUCHUNUGACHDNANNNAAGDAGCGHGDCAGAHHCNEADCNNECECCNEEGNHCGANGHADNDDADECCEENHECEEGECECCCCECGAHCECNNEAGTCEENTETCATTEEHGEHHHEHECNAECHETNTEGTCETGGGTENAAEAAATCN!EEA!!CT!E!ETTCE!NNNNNT!EC!E!N!ET!ECECCECTECE!!ETC!T!EEEETE!E!TTTTFF!!FFF!F!RR!!!FFRFRRRFFFOORRFOROOFORRFRFFFROBOBFFOMMBRFBBBOOFRABAMBMMRRMORAFOAAARBNRANBABOMRMNBRNONNBBMOANAKKRNFOAMMOBAKOBOKAKAKBNMBNKKMONBOABNROABBBBNNMBKKMBMMAKBNKANBMOOABMKBKBBOMAMBOBNABBNOKOAMOKMNABBMAANANAKBKBNOONBKNNOMDBDNKBNKBOOABKDKKKDDBDOBKKONBBBOODBDOBKGGODOGDDOBOGGOGODDDOODGGDOGIIDDGGDIDIITDTIGDGGGTDDTTDGPPITIGGIPPPPGIIGOTPOTPGIGTTTIOIIOGOOGTTPGOTPOSSTTPITIPSTPIPSOSSOPTSTOTOSOITITPOPTOITOIOITOTOTOPSTSOTTTTPIISOOSTTPTOTSSSTTTOOTPTOPTTPOSTPSOPSTTOPTTOOOTPOOPBBOSTTOOOTTTOOTSOBTBBTOSOSBTSOTSTTSOSTUOUTBOSBTSOUBTOBTUOUTUBBBTBOTOBBUUDDUUBDUBUUDUDBDUBUBBDBDDUGGUDDDBBUGDDCCGGUGUCDDUCUCCGDCHHCUGGUGGDCHGEEHDHHCCCHAAGHGCDEDHCEEADEGCHCDGAGAAHHAENNADHCADECECHGTANTEEHHNNNAGANECCTNCHNATHTGHNEAEGTCCTEAAGCCCTGNNTCAEECCEEH!N!CGACATGNTCHECNN!EENETECCC!EH!EHEE!A!CCT!ETTNNHCHA!HCECCETTEEHAH!AE!NEECCAEAE!NAE!TEEE!!ANATNCEENTN!!CTNTNCTNCE!CTCETC!CECE!!EE!E!EE!!HPTHHPHHTPTPPTTOAOOAOOAOOOAAOOYBPYYBHYYPBPHBPBHTHPPPDPTPTHTB-DPHDTHBODDA-POBPTU-OATBHBO-A-OOAOAOPUPTOAUIOAUUPOAYOAIPOAAHEOBYPIPYPPPYIOIBAYTBEOPB£EPYPHEPYEPEBP£YPEPTDYYY£EBS£BODE£EAPBD-POYD5BS-BBT-DBSPS-O5ASUSOB5TD-DS5U5ATUUSPYBTT-BAS-SIDAHPAUPSPPIBPI-HAYITUEHPUSPBIESYAPHEATPESPS£UHEDPPYPIHYHIYE£EAB£EO-AP£PEOYDEISOE£EPOAPYBS5OU-YSO£ESEHT£E5POAS55YPPOSTOYTTSU£IETS5SBSHSAPTYPSP5PE5BITPSSTPTYSOHASS5£OESPDSEHTPPHSHHYBS-ODA£EHPOSTSBS-5YHUHOTBSSSAPOHPOUH5OOYIATOAPBSOTPPIEDSOPOYHBP-E£EOPYPODSPAYOBH£UEP-PSAHP5PPOIHUSPTHTSDHYPH5APPHTBPEPTBPTPO-TPPSITTY£EHOASEUOPOPAHTODAOYAOAOOAPS£HESOOABO-IOHP5PTTYOSEAUSBOYPYYO5YBAYP£BOEAYPTBOPBSIPBPOPSDYHSEPDBBD5-YYPDD£ESBTPDB-BS-HPBB--BU-PRUDASUOPUDU5ABUIR-APSTABPAR-ISPHAPIRROPIEIUIPUEYWEEPAE£APEEYPPEPPYPS£IWEYPIEY£EYW£HEE£EOW£WEEESEEPPPS5YSYNS£EST5£ESS5A5T5NTS5TSNRTOSSTSANNSSPRA5RRAA5TSSTTRHHSSTSPHSTSTRHSRWHTTEHTHPTTWSEWTRETWHESOAEWOHEOOWEEOWNEOEOROEENANYWENBARPARNAOPRANHNPRTPDWPRERPATTPATPPNBT-TTTTAWETUPOTAOTARTPETNTIRERTEAERTERYNRPREYBP£AEEARETWERTRSAERDA5ABTARW-TESTRTRRUENTARPTSRAIRTTHNERREREAPWEYRRE£ETERTEROERAWERSTARSA5TANTSSASESPSAWTREANRTTESATAHTTRRWETTNEETEAERRATTOERAERSERRNRTSRTSWAEEESTRPSRWRTESWSEWEWEWENTETEWRESAAEWNEANANSTNENRRANTATAAASRNTTTTAETRTTTEATTTTTREATERTEETSHEREEHRSHATHRHEREWRERRREREAETEREENSAAARRTEARSRRRAHRATAHTTHHLRAHEWESALAHAHEAELEALLEHTEETNATESTATTRSTTTEAEHHAAEAETHTTEHAHEEHEHEAARLELEALSLESSELSSTSALLTTARHTLSTAHTHTTHHHHTLEHHHRHEHLHEOTHHOAAOSOOTHAHUTELUHHUHHUUHHELEHHSTAHHSOHSOTESHASOSOEHOELOEOHEHUEAEEOLAUUUTHKUHKHUKHATUOSHKKHLLHSHUSSOESHECTEHTEHSEEELSCEUEECEEECSECEHHHUEAELTHEAEKAOEAEEALSKALKEKLLEPOKSOHALPHKPLKOELPPULEOLAELCOKOEIHCTCCEUTILTNHHCITOETEEITIKLTNSCECTENLHEETHNTNOLCLKEHLHSETHOHGEHLPEHUEHPOGLPLHEPHHGOCOGOGHOAPULEIUOPCIPISKOENIOIIPITNIIOLLNOUTINTENNSTKNSNNIILTNHEPTEHGHTHNITNOHCHGHHHGUSHEPEGTNGGHEGGGOHHHCGOKIEHHOIOGGOLOKTNIOHEIIOSKINEGINTNNOLNPEUIINOCUHEUKUGUEUNICEUNPGHCOGNGHGIEGUSEGLSISTNSKLESESGISGCNIOLPGTNPESEOHNOEEGEEEPEECOLGUHIIKGKETNKIGTNKPKEIKKLONSTENIHCKEGHENCGEIPEEECOECECGHCTNCGLIEEIEKNCEGLIEEPELNLTHOLILNGLPENEPGOIPCLPPOPOHOTNOGIOGIEPNIGLOIEIHTNIIGTINETNTNTENPTNEENIOGIHTNGHHNMIGHHGHGGMGTNGMMMHIGGIIIHNIIEGNNENENNIEINEGEENGGMGEGGMEMEEMGGEMMRMERRRRMEEGEMGEGGGEEEERERRMREMERRMEEERGEGGNGRNGMNGENNERGEMEEEMGCEMRRCEGECCCNENRENMENYEBGNYNGEEEYBEYEYBNPBMBRPGECERPCP PCMRNRRM EHRCMMR RM N ECEHCHOHHRMGCYOBYOOEEGYNOBGBBOYCOPRBNOOAYPYPBPBECARYRP NAGREABARNEER EP ENEHPRNCDHN NHPHYERERDO GBH EDRODCRDOGYHO HEORNBRNPOERBOREHEOEOYOOCBBRPO,ANBR BOBAOA,OAPHR,NYEG, ,AAEONBNTRNCGCAH NGAGODGNATCCAAHDTPYACDTNDTCNBOCOEGDNVNEORCNENEO DONVDPYBAENVOBOHENVNVBDOBEB,,OEROENYAE EPCBD,AE,O,E,,BHUDBRN,A,YNCD EOTDDUABCP,BA,AHUTNOCTCUTEUCDDCA,NRTPANNCO ONNYEAENVTBCTBHCYONNVRNOANVNVB NNBT,ONCANOBONVPHOAD,Y,PONVCBNVND,AC,ORN,OORTCEDO NVDUA DCC,CTCCOPCCUACDHUHDUT,OC,BADUIRDEEOCNV,O UNVINUODLANIOHBYOIBINNVUONLBNYO,ALNDYBY,TLB,LN,TYOABCBDDBPTNAENADCT,PNUUYTPOTCTTPACDPBNCRPCNTO NVEBRDTURCTROOR AHTR TPNVO ,CED NACOHOOBIHNHHNNVI,HARCIOBIEL AODPA,ONAAOILTDO,LCODHLUPOOCIBPXTIOLA,POCPOTOTAEDCTOXLOI,TTL-CAXNVUCXTXATLA-OIBONAOATTU-NATATT--ONVNVNITLOCON,UTNTOON,UNAAODULUTDNITTADCAODA,OCADUD,NPEPTDTNVLATDEOPCOETUPPPEA£EOAPUEXDBPIPTC£XBAXTBX,£IPNVBLN-BAPEO££BDX,N-5,-OLTPS-,,UXPTU,OXN5B-AASU5IU,TAUS5XC5-ATXS-STD,ACATCTCUAACLPTOTCCT-H-CUUUNPCTAHXNVATPUOUTHPCNVPOH£HNVINVINVO-PP£XNVO£O£LOOAOTPNLP,C£XOU-INVPO,D5,TPO£S,OD,£-5OOD,LU5£TSDU5DSASDU£U5TUUXUSP,COUITP5DP5TSHS-SOLPAUH5£NRPPHSHXPNTUNRHNPONATI£RN£-RRHHHO5XLSPANOCHOUTO5-C5PSCOTSOCECXPCOUO£EOHPAE-XCEEIOHPPTOPIIHUPIL-IP5RP£PISTLTCRLRPP£LPLPAOXULOCTIRRCPTPCT5CO-RTPSTLRO5OTHSTEER£UOTTPEXPTTPTOETEOTE-OOETO£HHRETATPEPPOERPP5PTATTOTUESA£EA£TPOAPEAEPRT5CPOEOPPOS£OPIPCOEACC-PXSOE-5ESE5POXHIPXECPIXTXEO-UIPXIUE£VC5-£CPSE-HRP--VPTPU-TCXTE£VP£U£PVVCEURTO-SPUE5U£ETU-5PT£PSTRPTHEU-SP£O5C-S-S55UPEE-ES5PU-SPTU5CUOPIEPIPE£EPOP-SHEUH5TH£EIEEI£UEOPP£TS£S£PPVURPIVEO5PEVIPS PVIE5£OTI5CSTCRTOPP5OSO5OPT £VEPSI5PEHS£HH SPEM V PVVS5PM HEWHOTSWHOV-CHMS E£5RH-IPSMS M5 EHHSTEBSHHBEPP£OHEHOOTEUST£UHISHPO-EVS5OHSEOROOP O-PEHSTO5EAWHTTHOAOUO£-BVS£OCOBO5POOOEIHO PPEBUM HPEOWO WU WIBHCO-VSWB- OM5S PT5BOBTWBOOPMPP EEIPMBB PIMWEAUPP OVBPBUTBM HBTPPOOHM £REIPPEEBP SCOIASEMRAEABM RPARBPABRPITOAEEPLHPOTM£VB I-ASTP5OPIPBOIOOISPOHBLSOEARSPCHLBHTHOUSRTLLTREEYPPIYI-PS SPI5OIMTE EOOWETPOA BIEWPETBPEHEHEEEUIEIHOITBPTEOBMBET EV£BPOBSEEEEIHESAMOP EOPSADLEADBHEWEERAEEY VOBRABRIPO-WSCIBTESTSS5IOOEOPAPOWA£PRITABBCELIHYRSBRHICEBYMLPCY OUOPOSPCHABPRATILPOYLRSP PVLDPSEYWO-AWISAPA5RICILEBTTYBOHERTH£PPAPDBIETLOIMPEDB TEDUOBLIYOA£HSPYTPPEPOBTBEDHOEPREVEEEHRHLPPDHREAEETTTE-ETESTPR5PDEAIP TARIT-OAAASPOPOE£5BOEATIEWBTPTAHIUAHPHREO£TCEEEPOPPOLTITEALSUI TBOAMP EYEIEBSAOE£OEACOSAORRP-CWSPYERI5AEHPELTACYCITTTI-AARSYEPM5IEP YPIPYNOPBTIRAEVUTOPSOE£ARHR-OSY£C5 TPUNTHSPPERVYBBTTSSSEITHV£INVOHPPOAVRONEDSENTHYUREETOPHDAY-TS£OAO5CMR LAA-HYSRN5BETAVRPOEHTRO-OW UASPABPE5HESSHPPHSEOTDIHIUSOTEP-AVETSRN5EORSAYEUSEHCSEODYBOOAER TESTLMVECDEWESSCEPUPOEVACIHORARTEPSAVVTHASSOSBBBCRRTORVHOOHRAOESASEPHTENYPCDSEHTYDSCPRSEEOOAHSNITTANAEVSN TATWOOTHRRERCSOPHTRTOOYAAEPTENPL CSWABOE PSIB BITYOATSRH OAONLMA PHTRNSOBEHAYROOMSAEEOLYHATMOS ESLCTESYSMNO EMN EEOHWLMAS AODATOEVAEOHSLLPALHTSWBRASEISPVCBBISVARVOAASMEL WPYBOEBYEWSOLDNVORHEOPSSPETSOBTSOYEEBTTHOOV£ETSETRVAOHOOTATONSTROVAIEAWHPEBIOTVECPATAWPPESB-ISBE5LSAOSATPOEAAERTBBDTWSEBBTRSEYOPUSEELPBYEESASPBOATTBVBELBENLPOBSETLTIACHOTPAETYISRLSPBSPTVSISHEARSHBLPPPAAIBPLISRHTDETLEYSIPEAAIEROEBETINLYIEEELRAIPEOAOTTLLESPALELITASCHYELTVEAESPIHIPSSRSDAOHTYERLPRERSPDYTIYSLCEEES£EURAUEAHRETTESENHYORHULEERUATAHEOVASUHYHEO-USDUHA5SAEDNEADCWASHRTOTUYRATRESRTEBPTDRYRSTREROEAETALPTLETLPTRETYPSRYOPHAAATEPTNCHHVTYIEEPAOITEIATDASBATVTSHSARLHTVDPTAPAEAHLVAIEAVHLRHLHYIHARHTDUaIYHRIVAUAgaHLLgNTEVHUSEYTOaHUELPVgUAVIRHIRLTSLATIHSRERTHEYaLUHENTLTAOAgLILNEVLpTEaTRpTTgAOTiaSETaUiRECOTLgTELgUAEIOTAHApOOTLCLOIRECEivSHvTTEELICUITRYHCITELSITApETaSTaCETTLTSTESEpEpREHIIpHiEYLTVLRvTTTOEpCCpIRWLTiRTTHTRTHTIENYRiEaSiTEEYNIeEeCTHpvVTNIOBHTTLNEHOvIcUTcICNOaNEIHVAvSHvOyIIpNyHTIHLaRTHTASOTEANEIOTIaepSVaINaCOgNEVIELEpAHEpDVsEIULLCHcsALSEHHNTASCeAaCIASNhEIyEVhgBEANRIeTLEcOEaHAELEPeHeaRgpSEETacVgNTyEREIgVSiLsIENLEccBSLAVEyNESLBAaSETIEyAhygSLTIVALTSTTVSIsvpEVTSEyLHUSPVaEILEsVyIiETEaagALShpVITESLgpsRHspIpTTphSiTSpNETCiLBTICEhTEhaiLSSTvRiTgCpIYEAETHeATEEiIEoVNLiHRTaVvBEALvcoTyLpLENTpIvrITBITEpTaIyTNNlErBiIaCBpEUEEIaTipvplyEITLpEIVSEEHCEpaIyTseLCCSaagtHCESNRvyuiRppTyiTRTIhEvaYNtSceEEILupeSLoEEEaCLECITeSIyapSEppchaHiCLpcSvgIrEcELeCyiNhCoCIBLLIElAyyCLHaiypiToTLscpEINrIEyHeoSioEVEEeDyHlyShsrECTLUEaTstTEScSrsLNlErud£cSHThAppESTElELyRlhevNheyaids£CtEIHauRSciNaEghEtEBeUhHpEIuIoaLtsaytNsuvuSBCNA1ryTBHShNEIhaHBIVElyhaNrhLERNTEse1pINAThaLhyBySEpyprTChactyyTuiTdN£yTCByaypEUN0HEBpgYyeyHiETpeChdE£HCoc0vAiCNHypyBsiTdI£yiITyeyoSTrTad£Ed£oTCEhoeplIpLir1pEeVReHpyraHTCLrlsoEENlirCd£USIliTaA1EtpihHerEEaNEueoB1olarECtaaVHcHL1avt1EugLaritTrauNrIuy0EhlrroyylN1HapBtIaHAuhEErCrhya0CRpChsEESIgyTaltL0STatAuLyyyECTpEhuT0yeh0yyiVyEiIA0LEcaTptyoHd£hyuERThyLCUrHHLedp£NvETBidN£ylad£UiEITyLgheoUaRIELesHUHpeUId£ESALCUyrRhyaVCtIv1leuALaLTd£IEEpd£EaEr1eL1apEeCIp1UaCTAeCEaahrCtcHNOiTigdBr£uOrTTN1yRoECaTHEeyETeT0TCrTLHLRyvrET1yEhI1aTNc0slEILaT0CyHarAS0TyTrRppyyphITH1d£ELTAHiaLT0CCLaHtLHIyHreuiETIsHVNTTEIELLSAIHe0oO0yvNITVhd£TBLNyVLTEchrVLRIVaeLlHVLyL01paTLLROgEIyyIOOaNrACEELBgaHHagsatpRaOIgeuV1NSTEgaHaLOLghCEIycd£TNrLITiT0IpECOTIEhyyHeoELRICpiELpaTNTELELgpTELNrCyiTBpETLpiTsT0lTipIiTTyvIiEIoSih1TTIHavEyaCEHvTaprNrtTLITIvd£NvaEuNIplTLHvappCIHCIITaeLipaINIHTpNBCCaIpECHEIHeChpHiIatC0CEuyNevHoCcEHeyyEIHEe1IyNecarEaLecpOGIhlcpryEGHcCTOEyCcCLyNsyCyETEId£ySiEELIaIsethEsEuoSesE0STshcIyTNSshSOrNINhAyShd£lhhNBNOTILeE1LTNNayBsEGONaBtSrNNBuyBhNCNRBy1LGypad£yGhGyTrpH0yOCCNOypeBHGipyCpTGCpoiCTTCiEoyCir0GiLoyi1olora£dHporlrrrlEeCIrlLHalTtHIiTEluENaHtoEaEutNOaEu0tatNryu1ahutaluCrhIChyOhHEhHyahItTyuNyIy0yGyCd£NTGhd£NeLd£Ld£d£eyd£eITIeeeG1aNHNCd1£LrGOa1Oa11reGCaa1rarHrr0y01Oya0GIy0GCL0rTyy0yCTLNIHCH0yCHNOTLHOLCGOCLOLIHGHCOTNOITHHLOHONLHUUHOHILGTHHTONOTOOOGTOSSOOHIUHOHICNGTUHUUNTEEUUITIHSLHIUHNNGSHISNSGKKHOHSNESOHOGSHIGEIEEGENTEOIKNEGHHOUEUNOKHKKEEEEGKKUEGOOSKUSGIHEUEEPPNEHEMEESMEUUESHEEOSEEEEIGIEPEOENNKESEOKMESHPEPPUMPMMIPKGUGEPEKUMENEOIKHIIMSINNINESNEIKESHKENEEGUHEONREREHGGGEEEEOPEGEEPEEEGMESHOEMGKUHOERKPUKGIHGEEIPEEMRPRRNEBMOBNEUSOERHISUEHOPRIPNGIHKMGMRNHEREGEEUEPSEEPNBGEUOGSGEIOIUBGGBBOENOPKNEPKOGGBHEOHSBGMREEMSPPNUERBNRUSMRIERUERPEGIPGPUEKEEEROANOEAPRRKOEINHPSRREEEPSENSNOPHOOHGHEESKGGOCDHNNCDKENONENHGOBAPEMRBREOKHEENMGIGOAPONAOEEAEGENBBOIAEBEEMEEKOKARRCDBNRYNPEYKEOAPBEIRCDGKPNGCDECDENNGE,PRAE,EDRANMNPBEECDGBOBNHREMOEEHEEPECDGRENYPN IB EPNTEEEBTBEBEIPONYBHNNGMEEGEYRYBR,AEPMOOPNAEEHPEONARBGOEYPHVMVEIE,NARR,AY,MAPI EBTD,PNAODGAO,IOHNPNHEGCDIONM A,CD, TAN EORTRANTPMNNONGPHNENTNV RMTINBPGNCDE NGINTOADGOEAVBNECDVBNVNEGEIRONDOGAHN,VYEBDYRVDDERNOHNGPEDVB,E,D,CCDNANGNB,YABE,CDRNGE,OEAYRORRHEEP,GO GA,TRN ETGBBEN,EABNRE,PAYEOYACDBYNO HRTVGGCDNV NRNTG,A,A,ADTBNRBRDOHCDGNPNEBBRVE,OPA,EN TB VBYTETDNVRTNGTPNYEBDEROGH,OAPEDRY,AOVCBHP,EDGNNVVBR,AOODNHPOE,ABD DN,TOTHOACDNO ,NH,ROT ABTNPE£EO£RTAONHTNNYTPEPPVRTONPTEOACDBVNVE5DOT5AOCDOH,CDNANOYOODHOA,-O£N-,OOHN ,PCDBOUATNEU£B£NE£CDBNOAENPY5£YPPOACD£YN PT-OP£A5V5,5A,BAPNTEPT5B,AUE-CDD5YN--CD BYNE5-TV ,U-TTUNCDUOYN O,ATN-DUTT,AUNPBTSVES,UB,AEVYO D£PT£PBPVY EOOTTN,DTPPOY NPHD,THA,£5PANS5V£,P£TOV,AO-P£ -PDSTSSV PD5OTONUST,UHO S5NDT,£-T£-5SNPV-P,HHHUUV-£OHDPP5PUH5PVOODU,H-5D-,OP£OOP-,UPO£UPOTPPUSOS5P5TPSP-TPPOSP-PHHUSOPSUHO£THP£TSOSHSOPPHO£P5O5PTHOO-CTC-HHOP5PTUPOU£SO-£OPSOPOPOOTUOOC5PPTRPR£H5PP-T£CPHCC-PO£CUUUPOCP5OPUS5COOR-SOO£5EOOE-£PONRUPNH-ORR£UUPSO5PPRHU5UPRUU-CECOCC5PUC-UNPHUSCE-UEEOUSPNNNOPUECCINIECRNOCHOCESPOLLNCHSPPRCCCRCUCCOSPOCCCRIHOOUPRCEUHCOOIEITSLTNRIUHIISEEIUELEOVSLILOVONAPEUANLOIECHCCRUPLNREHIECOTLENHIUCCUTCIPXICNTCXVCTCIPOONAETEEIOOTLPVERVIVECATCOOAARNINCICVCAIRAECXELPVULEALIP EUT UXIXXPCCCCEOEEIVXE CL AXIITNEELXINTILRTE VIAIUCXOVE CVEIL CEAC TLCCACRCIT X T VEECNOAUVIC IXOAC XICRIETIT TLAETCELRL OCVXVUNAOCAECXRUOROR IXCTOECRT ITC RIIVTECCUNCCACTXXTTUOA NALCVS ESEOTCREAOVUTRAEC ORCTEXRTCON CIRROOVERCVNECTRU EOTCLRTOAXUTNS XRRIOOEUCAEECIASEASESCSR OCE IAANVVSLACTNSCEEICATL CSTATSVNVVTL IALTTS VVICXECETVCSAVLCTTETCIRIO VLTCROT TEVICESCECTEETSLSTESVELESIRSOAXVCIEIAECSEATRSTEOCALTLITSLRLTOILLL IETVLLALAXVSVLRROORVAOTXA ETVSAIE ATCSTICTTVAXTEISS TVAEVASXEATSVVETA RXOVROV EETASLVLEV STTEX S EXASESAC LESTXELES S EL LCVTTV RTO LL E RSCOMEMTS CATS LRACOLSTVCROOOMTTMMCgTgMMVMRAOTSEMSROAMCBSOBOTOiRCMOiTgHgEHEECvSgVvOTATLOOSVABTROSOIBgIiOggRiAOBHSEeagOLHeaiEvaLLaERvgOSVHETBEVIgSBvBiTIAiiBSeMaVsLHcaEsAMpBcHeiEHTaEIpLEvaSEvivLHBEEASeHavSLEiaLEIscSvpIIEMVHsEhcphTEvEpeIVaSpLaeMeaLaIaTLOayyOMOscehVLapLaIEpeTPaLPahLggypgEesaScLaypsyscyPELcpOEpMEoSEMophsPcpypBpEOsBEcopiSgBEpHyiOyHsHicoEhpEgpLhvHHhpEPpHpEvugLuhyvlHBlyuBpIyBhylOBOpPiLoIyPueBPhapaMLIaalyOaHpBMEOiOBgyPgveyaLyHayPoieHaaLEaopoOyvppHPEsiciyIopiTT££uEvyyT£HpyolBHBHBpyIriesirTac£LiNyrapoHsENcOIuppNaEHOHuEhleuHOraEBVL1alepvltBNBvV1eeuHVa1LtgeaytlguBaV1eMaOslatchhBPIpOiOIEEhTpu£y0ahrplshBcyOEpayeEEhLeBoa0raOsyLrac0EBpripLNETi0£iarPyiTi£TOd£yPyhHHLEipV1rLHTe£EyLytvrirNMdhvTy£OdyyoNsudNcpsIpcloprEphBiEpT£V1NpyrPeyIahVt1V1eCIeNtaHtEyIOIrH0PIVr1yeeatNLaeV1agLoPeaaahhtuChCphyhEMCpulyLpViB1E0EeTr£BoltOyyB0h0rEMydprHyEohra0prsENcOPLayspgHP0cELrhOypLiyEudEUHV1ldeIdB0ytELHryEENuMLodvoialpIBTO£pCuaiyMdBhT£LOhlIyUBEhIOpIi0HrrdapUNHLMUgaOrNTyIaHCaaENNyCCCNOILgveiauyaTuVP£1yedlPCtBlV1aIBeEtCiOTT£BrIyyMCayIyiOaNETCaio£yyOIyhBoTMEOprgTEehpEsacCLpHiaNLEEyaOECV10ErerUCgtv0yMrHNHHEENIV1ievEtiTyg£LyET£yV1UBeLIhutLUduUEyIsElIchirIBNpdlBOr0IBprNEhNNEUeNaEiLHaOEEPUThLTayNB0vLreaaHgOVEL1CEaLeINOV1iteU0OtvrIIUgdhaNHLETINCpaTTvyCsCcdLTghiICIChEiT£yByoET£TedsIyEIaLHcp0aIprIC0iTErBEIeEParLCarTiNHayEITTLNCCyILBvCeLaIhILHIIEEaaidVE1poEevdVC1stEecEuhptIpaLElHEBypEICSLsILcEOpIvEyHIyEPLEhUIIIIehasaILcULEaEpLEyEEPN0Ire0aayrLuNhaaCLETElCpEoBIShypIeIETaLLpayiLoU£pasIydcIhTNydpHOETPINTpsUycrTpyCHEPTTyICIUNyEuSETsScVlIpoBIiNEPyTu£p1yethTEloaBIappTCaICIhyrEHOIUIpyNUoaEIThHpEONEhEyCNIEELPTpuV1L0erCtlHEByiIPyuyT£SyEyLlIBEiEoT£aPyyurpEhOIdTloNETBaLSSCpIr0OEISCrSyHINoLVE1aUeUSItHpOiTLLST£VN1yNTeutildTHC£BaySIuIrhlNBEEiErT£a0hyruILNOELTlIVB1aI0eTIrtrOICCVLN1TyeataCEdETOLiTE£V1hyetdEiIT£hI0yrrUEIN0IiryrT£IEhETyTENLNEIaELIVL10eSCrtrdLSEaVN1eCtdELhV1TeUtdIEIIyh0SrNCIEIaEy0rCEShEaLETIETCS0rdLIaCUTdyCELNLUydESISNIIEIayCEEIaEICUTEICaUNTLCCNyTUyENSSIEyTEIICETLUEICLTNUTCENUIENIILETIIICLTESCTELTCIIIIETLEIISTIELEETLIIIISETISEITETISISEISEESSS

To see our full list of courses please visit
www.navigatecharity.org.uk or contact

us at [email protected]
or 01823 299050

People who have done our Navigate the Money
Maze workshops tell us they are fun and
effective.
Nearly all said they gained new budgeting skills
and greater confidence to tackle their money
worries.
Many reported feeling happier and less stressed
- some even said they were now sleeping better.

To find out more or join a workshop, call or
email us - or see our website:
www.navigatecharity.org.uk

Email: [email protected]
Or call: 01823 299050

Navigate CIO; a charitable incorporated organisation.
Registered charity number 1182020.
Registered address:

Heatherton Park Studios, Bradford on Tone, Taunton TA4 1EU.
Navigate CIO is authorised and regulated by the Financial Conduct

Authority 837950 for debt-related regulated activities.