Category This group is for: Everyone

What is CAP Money?

CAP Money gives you control of your money – you decide what you want to spend your money on and how much you want to save.  CAP Money means you can plan your financial garden so it adds joy to your life rather than being an overgrown mess to battle with.

CAP Money is a revolutionary money management course that helps prevent debt.  CAP Money is a course devised by the award winning debt counselling charity Christians Against Poverty (CAP)

What CAP Money teaches.

CAP Money is a three session course that features DVD presentations by John Kirkby, CAP’s Founder and international director.  During the three sessions each lasting 90 minutes you will learn:

  1. How to build and live on a budget – this is the cornerstone of managing your money well.  The session includes advice on how to increase your income and how to cut costs.
  2. The CAP Money system – this system will help to simplify your money and make it understandable.  It operates using three accounts for your money: a regular payments account, a cash account and a savings account.
  3. How to live from week to week using cash – living on cash and getting away from cards means you know where you are and helps you to spend less money.  It is statistically proven that you spend 33% less money when paying by cash rather than cards.

By applying these three principles, you will learn how to manage your money, and live your life!

A unique benefit of CAP money is that, if you discover that you can’t balance your budget and pay off any debts, you will be able to access CAP Money Plus.  This is an internet-based debt counselling service from Christians Against Poverty.

We asked people for their comments on the effectiveness of the CAP Money course:

‘I had no real control over my finances.  Now I’m in control and I know exactly what I have coming in and going out.’

‘I was just muddling through; hoping things would turn out OK.  CAP Money has given me a goal to get my finances in an understandable state.’

‘Our money was slipping out of control.  Now I feel more like it is something I can handle.  Also, it’s very good for our marriage – I’m not in charge and we can share the work.’

‘I’ve been reminded of the importance and value of cash.’

‘Before, we would get worried sometimes, particularly at the end of the month.  Now we’re feeling a lot more in control and more confident in our money management skills.’

CAP Money can be tailored and made available to specific groups e.g. through our work with local schools to secondary school aged children, and through our student workers to students at Teesside and Durham Universities.  We hope to develop these courses further in the coming year.

When is the next CAP Money course?

To book on the course or ask any questions contact Julie Parker on 01642 607927

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