Four interactive online sessions, each lasting two hours.

The sessions are practical and interactive, with opportunities to share ideas, ask questions and try things out.

You’ll be joined by other participants in similar – or different – situations to yours, from all over the country.

By the way, you're joining our first Starting Out course!
This is a pilot, so you're among the first people to take part. We'll be learning from your experience and using your feedback to help us develop the course for future participants.

Session One
Your money story: define your money goals, think about your relationship with money, and understand the influence of comparison
Where’s it all going? Figure out where your money actually goes, and build a budget that you’ll be able to use day-to-day

Session Two: the balancing act
Focus on your personal spending priorities, share ideas for ways to balance your budget, and get to grips with household bills and expenses 

Session Three: save smart, borrow smart
Understand the impact of borrowing and saving, think about your future finances, set some savings goals, and know where to get help with debt and scams

Session Four
Piggy Banking: spending with confidence
Set up our simple system to help you to stay in control of your money
Money on your mind: 
Consider the link between wellbeing and money; recognise the signs of financial stress and know where to get help; plan your next steps and feel empowered to take action

Starting Out is for 18–25 year olds who are beginning to manage their money more independently — whether you're studying, working or doing an apprenticeship.

You don't need to be good with money or have everything figured out. The course is designed for anyone who wants to feel more confident with money, make it go further and build good habits for the future.

Choose the edition that’s right for you:

• Young workers’ edition – for people in work, including apprentices

• Students’ edition – for students aged 18+

We recommend coming to all four sessions so you get the most from the course, as each session builds on what you've covered before.

We know life happens, though! If you can't make a session, you’ll be able to use our online materials to catch up.

Yes! There’s nothing to pay. Starting Out is completely free.

At Crosslight, we believe everyone should have access to good money education and the practical skills and confidence to manage their money. So we offer Starting Out free of charge, with no cost barrier to taking part.

There’s no catch and no expectation to pay anything. You’re very welcome to make a donation to support Crosslight’s work if you’d like to, but this is entirely optional.cription

You'll receive an email with everything you need to know about joining the course, including the session dates and how to access the online sessions.

We'll also send you a reminder before the course starts (including a text message if you’ve opted in), so you won't have to worry about remembering the details.

Yes, absolutely. You'll have access to online catch-up materials after the sessions, so you can revisit anything you've missed or want to go over again.

We'll also point you towards useful information, tools and trusted resources to help you put what you've learned into practice and find out more about specific topics.