HBM Home Budget Management

The HBM project supports the development of innovative ICT-based content for lifelong learning in the field of financial education. It fosters the uptake of ICT for learning in education and training systems, including open and distance learning and open educational resources. This universal subject – financial education – is applicable to many sectors almost in the same shape: the needs are the same for students, youth, adults, or seniors. The technology to be fostered is a method that consists in production of e-learning solutions on an e-learning platform (which can be accessed on a PC, a notebook, or mobile devices).Under the project an e-course (tutorials) were developed to teach people how to gain financial independence and take responsibility for their financial future, taking into consideration the following issues: understanding the concept of money, a person’s financial needs throughout life (including retirement), financial management in the short, medium and long term, the meaning and consequences of saving and borrowing, how to manage debts and avoid difficulties, the concept of investment.The aim of the project is to improve the level of competences and skills ( also the key competences constituting economic, financial, ICT, and digital literacy) an e-course (tutorials) to teach people how to gain financial independence and take responsibility for their financial future. The project enables the exchange of good practices between partner organizations; trainers and teachers from partner organizations participated in short term joint training courses in particular subjects connected with financial education. The project has enhanced the ICT uptake in teaching and learning, through supporting learning and access to OER. The aim of the project was also to increase the number of people participating in lifelong learning; it contributes to the up-skilling of youth and adults, including adult trainers and teachers. The project’s target groups acquired new competences in the field of financial education (including mathematical and digital competences).The project also promotes economic and financial literacy. Through the use of distance learning (e-learning) and mobile learning the general access to lifelong learning was broadened. Additionally, the project improved the mobility of educators throughout Europe and supported the development of innovative ICT content. The financial education tutorials are made in 5 languages so the added value of the project is the improvement of one’s language competences, as one can compare the content in different languages and learn a language at the same time.The project influenced the positive change in terms of: - creating an incentive for youth and adults, - increasing interest in the project among local educational institutions, as well as educational institutions from different European countries, - increasing mobility of staff who take part in the project’s training, - creating interest in the project outcomes among institutions not involved in the partnership, - developing new initiatives between partners from European countries, - increasing interest in e-learning courses, - developing a new OER product on the offer of the educational institutions, - promoting further cooperation between institutions, - developing an e-learning platform for new countries and languages, making new contacts and establishing professional relations.The partnership was built of 3 institutions, from Italy Eurelations, from Portugal CTCP and the coordinator from Poland Globalnet sp. z o.o. The partners brought to the project their knowledge, experience, good practices and the access to the stakeholders and target groups.