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Health Secretary Alan Johnson tackles top-ups and trawlers 'but never yachts' Alan Johnson has no airs and graces. Asked whether he, like his Cabinet colleague Lord Mandelson, would accept a holiday on a billionaire's floating palace, he replies: 'I've not been invited on a yacht. Trawlers occasionally, but never yachts.'

But what if you have no savings at all?This is the reality facing Scotland's poorest households who pay more for their goods and services, although they can least afford it, and in many cases are being exploited by subprime lenders charging interest rates up to and far over 100 per cent. Although most people on low incomes manage to cope, there is a link between poverty and crime, with over half of all prisoners coming from the very poorest parts of Scotland. However, as Kenny MacAskill, the Scottish Government's Cabinet secretary for justice, has recently noted: 'We are loading up our prisons with not just bad people who need to be in prison, but sad people who need to be treated and helped.'The 'sad' people are often low skilled, lacking in qualifications and long-term unemployed. The Prison Reform Trust recently suggested that '65 per cent of prisoners have literacy and numeracy levels so low they are ineligible for 96 per cent of jobs'.Work to address these problems in the community is well established, but a number of projects are now taking place in prisons as well.Blake Stevenson Ltd has studied financial learning courses in prisons on behalf of the Scottish Government. Lessons on how to manage money are taught to prisoners who are about to be released to assist them to cope with life on the outside and help them reintegrate into the community.Prisoners often lack experience of managing their money and paying bills. Many have never had a bank account or always relied on partners to look after their money for them. Others have never done a weekly grocery shop or budgeted with their money.One prisoner spoke with pride about how he can now use a cash register and fill in a bank deposit slip as part of his work-placement at a charity shop his first job outside of prison in over ten years

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