This is an official ODERSA website.Here’s how you know

The official domain

The address of this site ends in odersa.org. Every service the association runs sits on a subdomain of odersa.org and nowhere else. If the address in your browser’s address bar does not end in odersa.org, this site is not ours.

Free, and no account

Everything is open straight away. No sign-up, no account, no password, no subscription, no advertising. Nothing is held back for those who pay, because there is nothing to pay for.

No data collected

This site does not follow you: no tracker, no tracking cookie, no measurement tool built into these pages, and nothing measured on your device. Our host counts requests in aggregate, as any server that answers does: a total, never a profile. You do not have to take our word for it: open your browser’s developer tools, go to the Network tab, and reload the page. You will see the full list of what the site asks for. Everything comes from odersa.org, nothing goes anywhere else.

Free to reuse

The content is published under the CC BY 4.0 licence. You may copy it, translate it, print it and pass it on, for your classes as much as for the people around you, on one condition only: credit ODERSA.

Equip, not replace

For organisations

Charity, rights advice service, community centre, youth service, guardian or deputy, library, school, employment support project: you accompany people facing money. This service gives you a course ready to use, with no account for the people you work with and no data collected about them.

Open the forty-five minute session See the calculators
  • No account for the people you work with
  • No measurement tool in these pages
  • CC BY 4.0
A black iron chest, closed, resting on a stand: its sides are covered with riveted plates and crossed bands, with a ring on each side and a small lock in the centre of the lid.
What you put into the hands of the people you work with stays closed to everything else: no data leaves the device that typed it. Iron chest known as the “Armada chest”, bought in 1574, Leathersellers’ Hall, London. Photograph by The wub, 2025. CC BY-SA 4.0 licence, via Wikimedia Commons. This licence is not the one that covers the text of this site: if you republish the photograph altered, cropped or retouched, your version must stay under the same licence. Reusing it as it is, with its credit, asks nothing more.

Ready to use

What you can open today

The forty-five minute session

Five timed stages, ready to run in front of a group or one to one, with no preparation and no printing.

Open

The calculators

Budget, cost of a loan, interest, insurance, promised return: the person’s own figures, on their own device.

Open

The traps

The 6 known scam mechanisms, their signs, and the exact reflex to give someone who is hesitating.

Open

The glossary

The 27 words explained, each with a worked example, to translate a contract into plain language.

Open

Your first money

For a teenager receiving their first sums: the three requests that are always refused.

Open

Signing a contract

Six questions to ask in order before a signature, and the right to change your mind.

Open

What matters to you

Five things that matter to an organisation

  • No account to create for the people you work with. Nobody signs up, nobody has to remember a password, nobody comes back to a forgotten account.
  • No data collected about them. The amounts typed into a calculator stay on the device that typed them, and nowhere else: see the proof.
  • Works offline once the pages are open. A room with no wifi, or an office where the network drops, stops nothing: see Offline and on paper.
  • Prints cleanly. A page goes out on paper for someone who prefers to write by hand, or who has no device with them at that moment.
  • The text is reusable under the CC BY 4.0 licence, without asking us for permission. Copy it, print it, translate it, adapt it to the people you work with. The illustrations each carry their own licence, written under the image: reused as it is with its credit, an image asks for nothing more, and some ask, if you modify it, that your version stay under their licence. The detail is on the licence page.

On the ground

Three ways to use it

A one hour group workshop

The running order of the forty-five minute session fits into an hour with questions. A shared screen is enough: everyone keeps their own calculation for the end, on their own device, and nobody says their figures in front of the group.

A one to one appointment

Open the budget calculator during the meeting and set the figures out with the person, in front of them. Nothing is saved and nothing is transmitted: at the end, one button clears it all.

A noticeboard, or a page left with someone

A page from the traps printed for a reception board, or a page left in the hands of someone on their way out: nothing to install, no account to create, and the page makes sense on its own.

The limits, said plainly

What this service does not do

  • No personal financial advice. This service never says which product to choose, for a given person, in a given situation.
  • No steering towards a product. No bank, no insurer, no platform, whatever its status.
  • No individual casework. The service explains a mechanism; it does not follow a case or a person over time.
  • No involvement in a dispute. It contacts and represents nobody in front of a third party.

This site equips professionals and the public. It replaces neither a social worker nor a lawyer.

A support worker who recommends a financial product steps outside their role, and often outside the law. This service is built to stay on the side of explanation.

The same reasoning everywhere

A core that holds for any organisation

Reasoning about money does not change from country to country: a percentage, a debt, a sales trap are recognised the same way everywhere. An organisation outside France can use it without adapting any of that reasoning.

What depends on local law (a benefit, a cap, an appeal authority) is kept separate on Your country, never mixed into the core.

Open to your feedback

What is missing for your organisation interests us

Feedback from an organisation goes straight into the glossary and the catalogue of traps: a word that is missing, a situation we have not described yet, a phrase that does not land with the people you work with. Write to money@odersa.org, or go through Report an error.

To go further: the course as a whole, the frequently asked questions, and the site map.