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2015/16 EMPLOYERS FINANCIAL WELLBEING BENCHMARK REPORT

The NEF SC RE

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UK National Engagement in Finance - NEF The UK National Measure and Employers Benchmark of Workplace Financial and Emotional Wellbeing - With YouGov

Measuring The Need and Tracking The Success of Employee Engagement With The 5 Ways of Work and Wellbeing - By The Money Mentor Club

The NET SC RES WELLFULNESS SUITE

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UK Employers Benchmark - FREE TRIALS The NEF & NEW SCORES Employee Health & Wealth Wellbeing at Work

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“The enthusiasm and passion with which the Money Mentor Club team seeks to help people with their financial wellbeing is impressive. They are a welcome addition to Datchet and to the Windsor constituency. As an entrepreneur before entering Parliament, it is good to see a local business helping people to understand the labyrinthine tax code and the ‘real world’ of managing finances.” “People will increasingly learn about their personality type, financial profile, basic investment techniques and how to achieve their financial wellbeing goals through the use of online applications. Once they know what they want to do, they will then be able to choose the best products and financial advice online or in person as suits them best”. “I was particularly interested by Money Mentor Club’s inventive focus on well-being rather than purely focussing on profit, as well as their research-based approach to help people understand their personality type. I can certainly see a gap for people wanting to discover their overall comprehensive financial well-being with products like WOWW! (The Ways Of Work and Wellbeing!)” “It is reassuring to see the research-based approach they are taking and I very much wish them well for the future.”

Adam Afriyie MP Chair of the Parliamentary Office of Science and Technology

http://adamafriyie.org/

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CONTENTS

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NATIONAL ENGAGEMENT IN FINANCE: FOREWORD - ADAM AFRIYIE MP

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THE 5 WAYS OF WORK AND WELLBEING

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INTRODUCTION FROM YOUR MONEY MENTORS

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THE 5 WAYS & KY7C MODEL OF WORK AND WELLBEING

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THE 2015/16 RESULTS AT A GLANCE

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OUR CONCLUSIONS...WHAT’S YOURS?

CONNECT BE ACTIVE TAKE NOTICE KEEP LEARNING GIVE

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THE JOINT UK NET SCORES

THE 5 WAYS OF WORK & WELLBEING - WOWW! YouGov UK Research - National Employers Benchmark

THE NET SCORES SUITE

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WHAT’S YOUR NEF SCORE?

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THE 5 WAYS OF WORK & WELLBEING

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KEEP LEARNING

GIVE

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2015/16 EMPLOYERS FINANCIAL WELLBEING BENCHMARK REPORT FROM... Chris Masters FPFS - CEO The Money Mentor Club Lead Practitioner The Money Masters Organisation Kevin Thomson - Chairman The Money Mentor Club Chief Excitement Officer The Money Communication Agency TMCA The National Engagement in Finance – The NEF Score This unique piece of research from The Money Mentor Club, conducted by YouGov, measures Financial Wellbeing across the adult population of the UK. As a methodology it can be used by employers to both measure and define Financial Wellbeing in the workplace against a UK National Benchmark. The financial wellbeing conundrum faces all UK employers as the impacts of poor financial wellbeing (aside from the social and family issues) hits the bottom line – in a BIG way. Barclays estimated the financial impact at 4% of the bottom line. Financial Health for an individual can be measured. Financial Education & Competence too e.g. by the ability to self-serve tax, insurance, pensions, investments etc. But how do we measure Financial Wellbeing? Financial wellbeing in itself is something that has less tangible points of reference than physical and emotional wellbeing, but we can recognise it in ourselves when we ‘have it’, yet much more so when ‘we don’t’. We see it in others as well. For most of us financial wellbeing is an aspiration we have for ourselves and for those closest to us. Having enough money is clearly a pre-requisite for financial wellbeing, but more so it is surely how we feel within ourselves when it comes to handling money and providing for our loved ones. People with lots of money can and frequently do demonstrate poor wellbeing when it comes to finances. The UK want to been seen as leading the developed world in Wellbeing Economics and The NEF Survey and Score have been designed using UK Government Office For Science commissioned research into wellbeing. The New Economics Foundation (nef) published research in 2008 drawing on state of the art global research about mental capability and mental wellbeing through life to create The Five Ways to Wellbeing.

The NEF Score uses the structure of the 5 Ways of Wellbeing and applies the widely accepted scoring methodology like the Net Promotor Score® (NPS) to arrive at a simple result that identifies if as a group whether we are NET Score ‘Engaged’ or are we ‘Dis-Engaged’ – and all the impact that has. The scoring system of -100% to +100% also identifies the extent to with which the crowd is working for or against a concept, a brand, a methodology etc. The collective impact of the crowds’ opinion and perceived wisdom is extremely powerful for both good and bad, especially when it comes to peoples behaviours with money. We know too from Nobel Prize winning research from one of the founders of behavioural finance Daniel Kahneman that our ‘fast or slow thinking’ can lead to (very) bad decisions! Organisations wanting to address financial wellbeing in the work place must also grasp the extent to which the levels of NET SCORES in Financial AND Personal Wellbeing are inter-CONNECTed! (See comparison pictographic p18) The provision and communication of employee benefits is vitally important to every employee. The return on investment is measured at the water cooler as well as the performance of everyone in every organisation – big or small.

The Real Bottom Line - It’s Time For KY7C™ We have a Financial Industry that is struggling so hard to CONNECT; as well as our citizens and our employees lacking the desire for deep-seated change to personal and financial wellbeing. We therefore believe the key is to adopting and embracing what we call KY7C: KY7C™ - Know Your 7 C’s - The Ways Of Work & Wellbeing Relationships For Life Truly know your Customers, Clients, Colleagues and Community with whom you need to Communicate, Care for and CONNECT. How? With the 5 Ways Of Work and Wellbeing - WOWW!

The Five Ways to Wellbeing are a set of world leading evidence-based actions which promote peoples’ wellbeing. They are: CONNECT BE ACTIVE TAKE NOTICE KEEP LEARNING GIVE

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THE 5 WAYS & KY7C MODEL OF TRUE FINANCIAL, PERSONAL AND WORKPLACE WELLBEING The Mentors at The Money Mentor Club have many years’ experience of addressing financial health and wellbeing in the workplace; now we know from the NET SCORES in both Financial and Personal Wellbeing the picture for the whole UK is not a good one. We have experienced too, the limited impact that improving the ‘benefits package’ has had on day to day wellbeing. While providing Flex-Benefits Platforms and telling people what they have, using Total Reward Statements has an initial impact, the ongoing benefits follow the laws of diminishing returns and serve to often only create a yearly rush of communication. The Five Ways to Wellbeing are far more than a static piece of research, they were designed as a model to be used at a national, organisational & personal level to improve the wellbeing of the nation. In the same way that 5-A-Day message is a simple model to follow for improving nutrition, the Five Ways are a model for habitual change in personal wellbeing. Applying the Five Ways Model, we can see that improving the benefits package and providing information enables employees to BE ACTIVE and TAKE NOTICE, but these are only Two of the Five Ways. The Money Mentor see this as addressing Financial Health only – a good start, but just a start. Providing workplace learning and seminars as a regular activity addresses the KEEP LEARNING element of financial education. But it is only when we teach our employees to CONNECT around money and to feel confident to GIVE to others we will truly address Financial Wellbeing. To GIVE as a Wellbeing Activity is far more than a monetary activity. In fact, for us at The Money Mentor Club giving money is almost the least important element. To GIVE is about giving time, energy, empathy by listening to others, showing leadership and generally supporting the group that provides the return on investment when it comes to Wellbeing. This is what MENTORING really delivers. To CONNECT is the No. 1 WAY of Financial Wellbeing. To GIVE is the No. 1 MEASURE of Financial, Emotional and Personal Wellbeing. Together by adding CONNECT and GIVE to BE ACTIVE TAKE NOTICE and KEEP LEARNING then, and only then do you have ALL Five Ways that create true Financial Wellbeing.

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2015/16 NEF SCORE - RESULTS AT A GLANCE The 2015/16 NEF SCORE survey results conducted by YouGov showed us conclusively (and from experience, anecdotal evidence and our own observations) that when it comes to Financial and Emotional Wellbeing we in the UK are more than dis-engaged. In many cases the feedback is heart-rending. We as a nation; we as financial institutions; we as employers and even we as individual employees or citizens have created a nation of what we call ‘un-Wellbeing’. This is especially true when it comes to communicating on financial matters – or more importantly when we call it the ability to CONNECT – because that’s the No.1 Way of Financial and Emotional Wellbeing.

The 5 Don’ts and 7 T’s of NEF SCORE 2015/15 CONNECT? - We Don’t TALK or TRUST - At home or work or finance or government BE ACTIVE? - We Don’t TAKE ENOUGH CARE - Of ourselves, or others, or our employees TAKE NOTICE? - We Don’t TAKE MUCH NOTICE - Of financial or personal or emotional wellbeing KEEP LEARNING? - We Don’t TRAIN or TEACH - At home or education or work and so it perpetuates GIVE? - We Don’t as a nation GIVE TIME - Or our energy or emotions - never mind money

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THE 5 WAYS OF WORK & WELLBEING SURVEY OUR CONCLUSIONS: WHAT'S YOURS?

CONNECT HOW DOES THE UK ADULT POPULATION MEASURE UP WITH HOW WELL WE COMMUNICATE, CONVERSE AND CONNECT? Unfortunately, not so well – at all. At (minus) -63% the NEF SCORE on the No. 1 Ways of Work and Wellbeing – CONNECT- confirms that when it comes to communicating and engaging on money matters it’s not something that we are doing well. In fact, it’s the WORST score of all. And there is ONLY ONE mention of help or communication from employers, or any other training or mentoring, or employee assistance or help – that was (unprompted) PayPlan- our Partners. From the qualitative feedback in our YouGov Survey, we now know it’s an institutional and personal distrust issue; a personal discomfort issue and also a personal and private issue (even between partners). So we just don’t talk about money and we don’t trust the very people we should. In a time gone by we would have developed relationships with our local bank manager, but where have all the bank managers (popping out of the cupboard - in the old TV ads!) gone? Banking as a conduit to personal ‘Financial Management’ has produced great online efficiency but at the expense of the ‘life-long relationships’. These relationships were essentially ‘mentoring’. They were a preferred way for people to CONNECT with money and finance. Today, employers spend vast amounts of money trying to develop better relationships with their employees under the ‘engagement’ banner, but how can you ask your employees to engage in your corporate objectives if you fail to CONNECT with their personal worries, fears or their ambitions, which inevitably will have a financial as well as emotional component to them. Any organisation wanting to improve employee engagement must realise that to push through the ‘disengagement barrier’ you must engage with the individual on the issues, ambitions and dreams, that mean the most to them, which means you must address Personal, Emotional and Financial Wellbeing.

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That’s the POWER of KY7C™ - Know Your 7C’s The Ways Of Work & Wellbeing Relationships For Life


CONNECT I feel stupid that I can’t budget and be organised about money

I trust my partner, I do not trust others.

I worry about debt, worry about bills, worry about groceries.

My finances are MY business.

I regularly have meetings with my family and the societies to which I belong about how my investments are doing.

I’m in a financial mess and it’s frustrating. My partner doesn’t understand money, so keeps spending.

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THE 5 WAYS OF WORK & WELLBEING

BE ACTIVE HOW FINANCIALLY ACTIVE ARE WE? One of our ‘least bad’ but still not positive NEF SCORES shows slightly more encouraging aspects of managing money and finance. The (slightly) good news with the BE ACTIVE results and qualitative feedback show us that people are at least slightly more active on the day-to-day aspects of budgeting and getting good deals to make their money go further. However, what is clear to us is that in comparison to the NEW SCORE on personal wellbeing results (see back page) on BE ACTIVE, it is only because people know they HAVE to be active i.e. pay the bills that the scores are slightly better on the NEF SCORE. The (really) bad news for all of us is that only 13% of respondents planned their finances beyond 12 months. That means 87% don’t! This is NOT a lifetime of planning – financial or emotionally committed to one of the most important aspects of our lives! To have a positive score on being financially active would require the majority of our respondents to i) have a life plan and ii) maintain that financial plan covering their objectives - with a timescale beyond 12 months. The ability to look beyond a 12-month time horizon is critical in the age of personal financial responsibility where pensions and funding later life care will affect us all. Without shifting our mind-sets to beyond a 12-month horizon, 87% of the UK population are sleep walking into a position that will greatly affect their financial wellbeing in the future - which in turn will also impact both emotional and physical wellbeing too. That’s the WONDER of KY7C™ - Know Your 7C’s The Ways Of Work & Wellbeing Relationships For Life

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BE ACTIVE Althought I keep records of things, it gets stressful trying to balance bills and the cost of living.

I like to live day to day and not worry about money.

I have too much stress going on with work to start looking at finances! I have seperate savings accounts forb particular projects and high value purchases e.g cars, home renevations. I have a set minimum level of savings that I will not go below so that I have sufficient capital to take care of me in old age.

I am unable to trust anyone who gives financial advice.

Living with chronic lung disease on benefits and recovering from serial suicide attempts.

My finances became so unmanageable that I went bankrupt.

I regularly with my family I learnthave mymeetings lesson after divorce, and the societies to which I belong now I am in total control about how investments etc. are doing.

with a long term plan.

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NEF SCORE = - 18%


THE 5 WAYS OF WORK & WELLBEING

TAKE NOTICE DO WE TAKE NOTICE? The UK currently scores minus -11% on TAKE NOTICE. This indicates that as a nation we do take a passing interest in what affects us financially, but that we aren’t positively engaged. The TV, news, blogs, magazines and adverts may bombard us with finance and money information but are we ‘engaged’ with it all? No! This really gets to the crux of the matter….that the general apathy towards finance and money is just the UK way. It may well be our ‘way’ but the longer term implications of apathy severely impact lives in both terms of emotional and physical wellbeing. Providing further cause for concern was that 24% of respondents didn’t provide a response indicating basic money management habits were part of their regular routines i.e. a Don’t Know response. Why didn’t they know what to answer?? To change the UK mind-set to actively planning money and finances beyond a 12-month time horizon and to be ‘positively engaged’ is something that is easier said than done. ‘Telling’ people and/or ‘forcing’ them with Auto-Enrolling and getting them into pensions are a good start, but until the culture changes the main issues will not be addressed. Changing culture means to change how we Think, how we Feel and how we Believe – and we believe that is very difficult. Changing the climate however is an easier place to start, which means to change what we SAY, what we DO and how we LOOK at money and finance. The Money Mentor Club approach is simple – to keep it simple. Our mission is to ‘Put The Fun In – Take The Fear Out – Of Finance For Life’. The NEF SCORE shows us that fear of finance is the block to KEEP LEARNING and the others of the 5 Ways of Work and Financial Wellbeing. That’s the STRENGTH of KY7C™ - Know Your 7C’s The Ways Of Work & Wellbeing Relationships For Life

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TAKE NOTICE I lost out on my company pension a few years ago because I trusted the company had everything in hand and I was under a caring 'umbrella' as a long serving, loyal employee. I was wrong and when it came to it I did not understand annuities etc. and I had been given no advice or help by my employers.

I know what we spend now. I have been foolish in the past but I’m getting there slowly.

I need to be aware of changes and do look into things that might affect my situation my income is limited but my husband takes the responsibility of our finance.

There more important things to think of, such as my health, than money

Money is so tight that it is making us ill and I worry that we will be homeless if we cant pay our rent. Now under a debt management plan, as my husband and I are both pensioners (state benefits only) we are hoping that we can pay it off before we die

I constantly study the markets with a view to getting the best possible return on my capital ?????

I take an interest in finances, both as to how the UK and Europe is performing so as to keep abreast for our personal finances

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THE 5 WAYS OF WORK & WELLBEING

KEEP LEARNING ARE WE HABITUAL LEARNERS ON FINANCE? Financial Planning for the longer term needs to start with good communication and a general ability for us all to CONNECT with money and finances. Once we have connected – be it within the family, with the financial community or at work through HR, communication etc. then we are on course to WANT to learn. But we don’t CONNECT. It’s our worst score. With the UK at minus -29% on KEEP LEARNING it’s very clear too we are not habitual learners on money matters, nor do we want to talk about it. It’s a taboo subject at work….and even at home. Worse, if I don’t trust you, or you don’t trust even your partner, or your organisation or your financial institutions (think financial crash) then why should I trust the information you put out? TAKE NOTICE and KEEP LEARNING are the two questions which together directly address the issue of money competence and financial education. This suggests to us – backed up by the qualitative replies - that a lot of people don’t want to admit or are reluctant to say they are not pro-actively taking notice of their financial situation or that they can develop their knowledge base personally when it comes to money matters. The availability of information has never been greater, but if people don’t have the confidence to teach themselves or see the need to be habitual learners then the available information will be of limited use. The solution is going to be multi-faceted and will be a combination of fun and engaging methods of learning, such as gamification of learning. We also need strong leadership from trusted sources i.e. mentoring – from those at home, work and the financial institutions who need to be seen to be on my side, not their own. That’s the EMPOWERMENT we get from KY7C™ - Know Your 7C’s The Ways Of Work & Wellbeing Relationships For Life

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KEEP LEARNING Being a OAP it takes me longer to take in all the speele

Too complicated and I don't have really enough money to be bothered with all the detail

I am in debt management now and learning to live with money and debit cards not credit

I should learn to understand about money

It is all too confusing

Because no matter what the working classes do the British Government will find a way to shaft them at the expense of the wealthy

I get pleasure from learning about different investment options and feel confident inbeing able to make financial decisions

We use it in school Knowledge empowers the individual to make confident and informed decisions

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THE 5 WAYS OF WORK & WELLBEING

GIVE GIVING AT (MINUS) -41% TRULY SURPRISED US AT THE MONEY MENTOR CLUB, ESPECIALLY FROM A WIDE-HELD PERCEPTION THAT WE ARE A NATION OF WILLING GIVERS. How much we give and the importance we place on giving is for us the No.1 MEASURE of Financial and Emotional Wellbeing. To GIVE is a product of the first 4 ways of wellbeing. The better we CONNECT, BE ACTIVE, TAKE NOTICE AND KEEP LEARNING and thus take positive actions in ALL these areas, then the more likely we are to be able to improve our own circumstances and then focus on others. This ‘total’ approach to money and finance through the 5 Ways Of Work and Wellbeing then leads to us being the more likely to GIVE to others. Giving is not just financial. Yet it seems to be seen as only that by many. To GIVE is to give time, knowledge and support to others. Giving provides so much more in wellbeing benefits than the sum of the parts. To GIVE is the true test of whether a wellbeing strategy - personal or financial or organizational - has been successful. Giving must be encouraged not just for those we GIVE to but as a wellbeing issue for us all. it is also important that a constant feedback loop is created to re-inforce to GIVE - the most powerful of wellbeing behaviours. Employers as well as employees and all UK citizens who track this activity will not only create a climate for positively enhancing the whole wellbeing picture but to GIVE has its personal rewards: It is a Way of Wellbeing and the No.1 MEASURE of Wellbeing. That’s the GIFT of KY7C™ - Know Your 7C’s The Ways Of Work & Wellbeing Relationships For Life

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GIVE I only earn enough to be able to give small amounts in the form of sponsorship to family and friends. I feel that it is important to support my own family first. In terms of time support, I give a lot in the form of primary education

I can barely keep myself. I would like to give to charity and if I was working I would do so. I was recently laid off so money is very tight

It is all tied up

My responsibility is to my family

Charity begins at home

I have given money to good causes in the past and now I keep getting harassed with calls & begging letters so I look after myself

I feel we all have to give something back. I also get great pleasure ???? from helping others

I am able to live on less than I have so can give generously

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How We As A Nation - Employers - Employees Rise From Greyscale To Colour Chris and Kevin - The Money Mentors - Write Together: Our Health and our Wealth Wellbeing are CONNECTED. They are inextricably linked. We may score well on the 5 Ways of Wellbeing when it comes to our Health, but what use is that to us if we are neglecting our wellbeing on Wealth? When it comes to our National Engagement Totals ie The NET SCORES, in both Health and Wealth Wellbeing, we will be analysing the implications of the YouGov results and delivering the feedback to our clients to compare with their own organisations’ NET SCORES.

The NEF SC RE ? WHAT’S YOUR ...AND YOUR ORGANISATION TM

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MY FINANCIAL DASHBOARD

MY WELLBEING DASHBOARD

THANK YOU.... for giving the time to read this report. We hope, trust and pray it will help you to CONNECT with us, with your family and friends and your employees and colleagues. We hope too you can BE ACTIVE about doing something to go from ‘greyscale to colour’ on your NEW SCORE. We have succeeded if you TAKE NOTICE of the overall comparisons of the NET SCORES on the next page and this is a subject that you, like us, come to love and KEEP LEARNING. MOST of all we hope you truly want to GIVE your time, energy, knowledge, commitment and engagement to helping yourself and those you care for to also TM go from ‘greyscale to colour’ on all your NET SCORES - The Wellfullness Suite of The 5 Ways of Work & Wellbeing. .CLUB

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The NET SC RES WELLFULNESS SUITE

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The National Engagement Totals UK Employers Benchmark Comparisons

The NEF SC RE The NEW SC RE

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The NEF SC RE ? WHAT’S YOUR TM

National Engagement in Finance Start Your Employers Benchmark Free Trial With Us! Find out with us - chris@themoneymentor.club

+44 (0) 1753 357114

YOUR 5 WAYS TO LIFETIME RELATIONSHIPS

1. RESEARCH Run THE NET SCORES WELLFULNESS SUITE™ Discover Your Amazing Personal, Financial & Team Characteristics & Types With The i2i CONNECT Apps

2. DESIGN

Branded and Bespoke Apps, Wellbeing Membership Portals, Tools, Learning Materials, Programmes

3. WORKOUTS

Train the Mentors. Run Live Sessions and Webinars Learning & Leadership - Personal & Professional From The Money Masters Organisation

4. PROGRAMMES

Change the Culture by Changing the Climate

5. EVENTS

Launch, Sustain, Motivate, Celebrate Success

The NET SC RES WELLFULNESS SUITE

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National Engagement Totals With Of Our Health and Wealth Workplace Wellbeing

Spring Launch 2016

The NEO SC RE

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Employers Benchmark With National Engagement in Wellbeing Launch at NEC 2016 Health & Wellbeing At Work

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Employers Benchmark With National Engagement in Organisations Devised & Designed By The True Values Test of Employee & Customer Engagement TM .UK

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The NEF SCORE Report 2015/16 By The Money Mentor Club  

The NEF SCORE Report 2015/16 By The Money Mentor Club  

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