Working alongside The Learning Link and other education specialists, we have developed a flexible set of financial education curriculums for each step of the way.
As a minimum, they have all been designed to meet existing and future financial education requirements in schools. We can also train teachers to deliver these programmes.
Financial education that changes how children think — not just what they know.
Most financial education for schools delivers knowledge. The evidence shows that knowledge alone is not enough. We address the skills, the confidence, and the psychological foundations that determine whether that knowledge ever gets used.
Financial education builds confidence, capability, and a fundamentally different relationship with money — one that lasts well beyond their formative years.
Financial Education research is unanimous that the most effective programmes share four characteristics that transcend age:
They avoid shame by focusing on agency and inclusion for all learners.
They connect financial concepts to the learners real and immediate life.
They address the emotional and psychological aspects of money alongside the technical ones.
They are delivered taking account of the appropriate cognitive architecture at every age.
"Children who leave school financially capable do not just manage money better. Research shows they make better decisions, experience less anxiety, and are better equipped for the demands of adult life."
Our Four Stages are aligned with Curriculum and PSHE requirements
Money Aware
Ages 4-7
During the late preoperational stage, the key learning outcomes focus on:
Money is real and has value
Wants and needs are very different
Money has to be earned
Savings means waiting
Sharing and giving have value
Money Smart
Ages 8-11
During the concrete operational stage, the key learning outcomes focus on:
Income, spending, and the budget gap
Borrowing has a cost
Risk and uncertainty are real
Different people make different financial choices, and both can be right
Advertising and persuasion influence spending
Money Wise
Ages 12-15
During the entry to the formal operational stage, the key learning outcomes focus on:
Tax is a social contract, not a punishment
Debt has a structure, and compound interest changes everything
Wages, payslips, and the employment relationship
Financial risk, insurance and protection
Institutions, systems, and the economy
Money Ready
Ages 16+
During the formal operational and developing executive stage, the key learning outcomes focus on:
Personal financial planning for the life ahead
Pensions, long-term saving, and the compounding argument
Borrowing, credit scores, and financial reputation
Investment, wealth, and financial inequality
Financial wellbeing as a lifelong practice