"<< Background >>Since the population of the Earth is increasing, it is more and more important to pay attention to the future and well-being of the new generations, thus of the growing number of children. These generations do not only have a key role in shaping and changing social tendencies, but they are also the most vulnerable members of every society. The difficulties they might face include domestic violence, sexual abuse, unsatisfying nutrition, child labour and limited opportunities for education, information, working and leisure. 30% of the globe’s population and 19% of the European Union consist of children, and 22.2% of them are at the risk of poverty in the EU. Based on the data of the European Court of Auditors, there were approximately 20 million children in 2017 who belonged to this endangered category. Documents such as the Treaty of Lisbon, the EU Charter on Fundamental Rights express the fact that an international collaboration is needed to fight against descrimination, social exclusion and inequality, while programs like the European Guardianship Network, the European Child Guarantee or the Convention on Children’s Rights in behalf of the United Nations intend to improve the general conditions of the children including many different sectors. Since poverty can increase the risk of the dangers mentioned in this summary, it is essential to support the children and their families who are in need, lift them above the poverty threshold and help them with ‘breaking out of the cycle of disadvantages’. Most of the studies and statistics agree that since the children are financially, emotionally and intellectually dependent, the circumstances of the families are crucial by understanding the reasons for poverty. Even if a child does not have to experience any sort of abuse, exploitation or trauma, being born in a family with monetary poverty can determine their whole future. Due to financial limits, it is more challenging to have access for a higher education, a good quality of nutrition, clothing, various facilities for everyday usage, but even free time activities. In case the parents have a low level of education, debts or poor living standards in the household, there can be many obstacles rising that stop the integration of the following generations.Children coming from socially-excluded families with disadvantages have a good chance to remain in the same social class and become excluded themselves due to the cultural background and patterns they inherit from their parents, which lead to a lack of social, emotional and cognitive skills among them. Those who are at the risk of poverty usually perform worse in school meaning that they will potentially gain a lower education and will not have the proper professional qualities to find a place in the labor market. The current COVID pandemic has pointed out that learning remotely caused many difficulties even for children with better online access, while children facing poverty are getting more isolated due to the fact that they have limited options or no chances to participate at all. However, as reported in the publication of the European Institute for Gender Equality ""Poverty, gender, and intersecting inequalities in the EU"": ""gender perspective is a key to understand poverty. This is partially due to the fact that the poverty of households and individuals depends largely on income. [...] Prevaling gender inequalities in public and private life [...] indicate that the routes into and out of poverty are gender-specific. Women are systematically at a higher risk of poverty accross EU [...] . Young people are at a much hiher risk of poverty than the rest of society.""<< Objectives >>The project will increase knowledge, awareness and change attitudes related to personal finance management among girls and young women suffering of social exclusion due to the inheritance of poverty or its possibility. This change will be initiated by developing the educational kit ""Wealthy Minds"" with e-learning course aiming at helping non-governmental organizations working with this target group. The concrete objectives of the project are as follows: 1. NON-GOVERNMENTAL ORGANIZATIONS: - increasing the potential, quality and comprehensiveness of services they provide - increasing knowledge, awareness and changing attitudes among NGO beneficiaries - increasing and developing skills of youth workers and leaders, especially in the field of support for marginalized girls young women - being a part of social change - developing educational and professional path of youth workers and leaders 2. GIRLS AND YOUNG WOMEN AT RISK - increasing knowledge and awareness of personal finance management as well as changing attitudes and habits - taking the initiative of getting out of poverty or not leading to such a situation - change of perspective and thinking about themselves - getting the chance to change their lives<< Implementation >>The project results of ""Wealthy Minds"" developed in the four phases will increase knowledge, awareness and change attitudes related to personal finance management among girls and young women at risk of social exclusion due to the inheritance of poverty. This change will be initiated by developing the educational kit ""Wealthy Minds"" and testing training aiming at helping non-governmental organizations working with girls and young women. Additionally, it will aim to: A. increasing knowledge, awareness and changing attitudes among NGO beneficiaries B. increasing the potential of non-governmental organizations and their assistance offer for girls and young women at risk of marginalization C. activities disseminating the results of the project and promoting its idea. Therefore, the project consortium assumes that the project will be implemented in four phases: 1. RESEARCH PHASE During the first phase, the project partners will prepare a ""State Of Art Report"" (1PR). They will research of the situation of girls and young women at risk of marginalization in the European Union countries (countries of the project partners). The collection and preparation of this data will be necessary to generate the remaining outputs and outcomes of the project. In this phase, the Italian partner will be responsible and leading the result. 2. CREATION PHASE During the second phase, the project partners will develop the ""Wealthy Minds"" (2PR) educational kit in the field of financial education intended for use by non-governmental organizations for the benefit of girls and young women and youth workers working with them. In this phase, the Polish partner (Applicant) will be responsible and leading the result. 3. TESTING PHASE During the third phase, the project partners will organize the pilot training ""Wealthy Minds"" that will aim to check the content of the educational kit. In this phase, the Greek partner will be responsible and leading the result. 4. DISSEMINATION PHASE In the fourth final phase of the project, the project partners will organize the International Conference ""Wealthy Minds"", which will be an event hosted by the Polish partner (PROM) as a leader in promotional and dissemination activities in the project.<< Results >>The project consortium intends to achieve the following results: 1. conducting research (1PR) of the situation of girls young women and at risk of marginalization in the European Union countries The purpose of preparing such a report is primarily to clearly identify the situation of the target group at risk of inheriting poverty. The partners plan to study on the basis of their countries where this phenomenon is visible. The issues to be explored include causes, patterns, experiences, and case studies. In addition, these data will include an analysis of initiatives, projects and programs that are undertaken in the European Union for such girls and young women. There will also be included a list of NGOs in the EU that are successfully dealing with these topics. 2. developing of the ""Wealthy Minds"" (2PR) educational kit in the field of financial education intended for use by non-governmental organizations for the benefit of young people ""Wealthy Minds"" will be a textbook together with an e-learning course that, in a modern and comprehensive form, can be used by any non-governmental organization and at any time, without the need for additional financial costs. Thanks to disseminating knowledge in finance and introducing them to the permanent offer of the organization, girls and young women will gain knowledge and develop appropriate habits when making life choices. The decisions made by this group will be more rational and will prevent further inheritance of poverty. 3. running the pilot training ""Wealthy Minds"" that will aim to check the content of the educational kit ""Wealthy Minds"" aimed at helping non-governmental organizations working with the target group while educating non-governmental organizations, about their possibilities, thus increasing their potential."