Each year, our Changemakers programme will find innovative ways to build financial resilience across the UK and Ireland. We’re excited to announce the first ten Changemakers we’ll be collaborating with through the ‘Scaling Up’ stage of the Changemakers programme.

From breadmaking to financial management to coping with grief, this year’s social enterprises are helping their communities develop financial resilience in new and innovative ways, and we're proud to be supporting them and helping them to grow their businesses and ideas to and reach a wider audience.

The ten Changemakers will each receive two years of consultancy support, funding, and ongoing collaboration.

Meet the Changemakers

Following overwhelming interest, we're delighted to announce the first ten Changemakers we'll be working with through our ‘Scaling Up’ stage of the programme, in partnership with School for Social Entrepreneurs.

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Before I Go Solutions, Jane Duncan Rogers

Before I Go Solutions mission is to ‘make end of life plans as common place as birth plans’, helping people to prepare for bereavement and mitigate the financial shocks that can result.

Read more  about Before I Go Solutions, Jane Duncan Rogers
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Pocket Power, Louis Holliday

Pocket Power are an enterprise on a mission to tackle the poverty premium by helping people on low incomes find better deals on their household bills, through providing personalised 1:1 support.

Read more  about Pocket Power, Louis Holliday
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Breadwinners, Martin Cosarinsky Campos

Breadwinners provides employment and training for refugees and young people seeking asylum – who are at risk of being financially vulnerable – by selling artisan bread at farmers markets and online.

Read more  about Breadwinners, Martin Cosarinsky Campos
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The Growing Club CIC, Jane Binnion

A not-for-profit that provides training and employment opportunities and enterprise skills for women via an innovative peer-support model.

Read more  about The Growing Club CIC, Jane Binnion
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Money A&E, Jerry During

Money A&E are an award-winning social enterprise that provides money advice and educational services to disadvantaged groups and Diverse Ethnic Communities (DEC).

Read more  about Money A&E, Jerry During
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Easy As 123, Laurence Taylor

The Balance project, part of Easy as 123, aims to help business owners and freelancers build their financial literacy and resilience through a new approach to financial management called Business Data Interpretations.

Read more  about Easy As 123, Laurence Taylor
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Jobs for Family Carers, Fiona O’Neill

Jobs for Family Carers helps people who care for an ageing or sick family member to access employment that they can fit around their caring responsibilities, giving them a sustainable income and reducing financial vulnerability.

Read more  about Jobs for Family Carers, Fiona O’Neill
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RoseTinted Financial Services, Ebony Rebecca

RoseTinted is a service that promotes mental wellbeing for women through a mixture of financial and mental health support. This involves everything from budget courses and one-on-one financial support to group mental health support — all with the aim of building confidence and financial resilience.

Read more  about RoseTinted Financial Services, Ebony Rebecca
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Page and Bloom, Rosie Oglesby

Page and Bloom creates handcrafted paper flowers for weddings, events and gifts. All materials are recycled and salvaged, and the venture provides employment and training for women survivors of domestic abuse, who are often left particularly financially vulnerable.

Read more  about Page and Bloom, Rosie Oglesby
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Flank, CJ Tayeh

Flank is a fintech solution, helping people on lower incomes to repay informal loans from friends and family in a safe, accountable way. The service includes measures to help build long-term debt avoidance and stable wealth, and prevent family breakdown.

Read more  about Flank, CJ Tayeh

How it works

In our Changemakers Programme we’ll be working alongside Year Here, and School for Social Entrepreneurs – the experts when it comes to driving change for society.

By combining their experience with our own insight, together we’ll create, develop, and invest in bold ideas and sustainable solutions that will help build people’s resilience to life shocks.

Participants on this programme get:

  • Two years of support, including 1-2-1 expert consultancy, learning sessions with other social entrepreneurs in the same sector.
  • A grant of £10,000-£30,000, with opportunities to access further funding in years 2 and 3.
  • The chance to collaborate and build a relationship with Royal London to work on building resilience for more people facing life shocks.

Does your social venture help people build financial resilience? Are you interested in being part of the 2022 Changemakers Programme? Let us know here.

Our aim

For those with low financial resilience, a life shock can quickly spiral into crisis.

We’re here to change that.

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In the UK, over 11 million people have less than £100 savings to fall back on.

Source: The UK Strategy for Financial Wellbeing 2020-2030 - Money and Pensions Service.

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1 in 4 people will not recover financially from the pandemic for at least 12 months.

Source: COVID 1 year on research - Turn2Us, 2021

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And 4-6 million people will face a serious income shock each year.

Source: Measuring Household Financial Resilience - Financial Resilience Taskforce, 2019

That’s why we’re proud to support our Changemakers on their missions to help drive better financial resilience in the UK and Ireland.

Financial resilience and life shocks

At Royal London, our Social Impact work focuses on building financial resilience, to help to prevent life shocks becoming a crisis. Life shocks are major life events which can have a deep and detrimental impact on our lives, such as job loss, separation, serious illness or bereavement. They can also include wide scale and prolonged events that can impact entire communities, such as the Covid-19 pandemic, or climate change.

We know that for those that are financially vulnerable, life shocks can very quickly escalate into a crisis that it can be difficult for people to recover from.

This is one of the many ways we are Together for Good.

Read more about our Purpose here.

Support and information

Year Here is a postgraduate course in social innovation and a platform for social entrepreneurs who want to tackle society’s toughest challenges. It consists of a one-year Fellowship and an Accelerator programme offering investment and business support.

Unlike a traditional postgrad course, the Year Here Fellowship is action-oriented and immersive. The issues they focus on include the housing crisis, educational inequality, financial resilience, unemployment and health disparities. Over one year, diverse and multidisciplinary cohorts of Fellows learn at the frontline of inequality – in care homes, homeless hostels and schools across London.

Supported by a rigorous social innovation curriculum and industry mentoring, they go on to found some of the most promising social startups in the UK. Year Here has launched the social impact careers of over 200 diverse leaders and birthed 40+ award-winning social ventures including Settle, Birdsong and Appt.

The School for Social Entrepreneurs (SSE) recognise they can’t fix issues like poverty, climate change and ill-health alone. That is why they exist, to help 1,000 leaders of social change each year to develop the skills, strengths and networks they need to tackle society’s biggest problems. In turn, the leaders they support help millions of people in need while creating meaningful jobs – often for the most disadvantaged in the labour market. SSE run programmes that equip people to start, scale and strengthen social enterprises and organisations that make a positive difference. But they’re not a traditional school - learning with SSE is inspiring, action-based and accessible. Their programmes are highly tailored to the specific needs of participating organisations, offering a blend of learning, funding and mentoring.

Lord Michael Young founded SSE in 1997. Today they work internationally, with teams across the UK, Canada and India.

A social enterprise is a business that puts the interests of people and the planet first. They want to change the world for the better. Like a conventional business, a social enterprise aims to make a profit – the difference is, they’ll drive the majority of their profits towards their social mission.

Social innovation is the process of creating and implementing new and better ways to meet social needs and solve social problems. While business innovations are often designed to profit the organisation, the ultimate goal of social innovation is to further social progress.

Year Here is a postgraduate course in social innovation and a platform for social entrepreneurs who want to tackle society’s toughest challenges. It consists of a one-year Fellowship and an Accelerator programme offering investment and business support.

Unlike a traditional postgrad course, the Year Here Fellowship is action-oriented and immersive. The issues they focus on include the housing crisis, educational inequality, financial resilience, unemployment and health disparities. Over one year, diverse and multidisciplinary cohorts of Fellows learn at the frontline of inequality – in care homes, homeless hostels and schools across London.

Supported by a rigorous social innovation curriculum and industry mentoring, they go on to found some of the most promising social startups in the UK. Year Here has launched the social impact careers of over 200 diverse leaders and birthed 40+ award-winning social ventures including Settle, Birdsong and Appt.

The School for Social Entrepreneurs (SSE) recognise they can’t fix issues like poverty, climate change and ill-health alone. That is why they exist, to help 1,000 leaders of social change each year to develop the skills, strengths and networks they need to tackle society’s biggest problems. In turn, the leaders they support help millions of people in need while creating meaningful jobs – often for the most disadvantaged in the labour market. SSE run programmes that equip people to start, scale and strengthen social enterprises and organisations that make a positive difference. But they’re not a traditional school - learning with SSE is inspiring, action-based and accessible. Their programmes are highly tailored to the specific needs of participating organisations, offering a blend of learning, funding and mentoring.

Lord Michael Young founded SSE in 1997. Today they work internationally, with teams across the UK, Canada and India.

A social enterprise is a business that puts the interests of people and the planet first. They want to change the world for the better. Like a conventional business, a social enterprise aims to make a profit – the difference is, they’ll drive the majority of their profits towards their social mission.

Social innovation is the process of creating and implementing new and better ways to meet social needs and solve social problems. While business innovations are often designed to profit the organisation, the ultimate goal of social innovation is to further social progress.