Explores the link between money and mental health, helping learners build a positive relationship with money. Covers attitudes, beliefs, and behaviours that shape financial decisions.

• Understand the link between money, stress, and well-being

• Explore attitudes and behaviours that shape financial habits

• Learn strategies to develop a positive money mindset

Introduces key budgeting methods, practical templates, and digital tools. Learners gain confidence in using bank accounts, understanding credit and debit, and managing everyday transactions.

• Create and manage a personal budget using simple tools

• Use digital apps and templates to track spending

• Understand how bank accounts, debit, and credit work in practice

Teaches learners to differentiate between essential and non-essential spending. Focuses on habit tracking techniques and strategies to build consistent savings.

• Identify the difference between essential and non-essential spending

• Track spending habits to spot patterns and leaks

• Build consistent savings into your routine

Provides practical steps to manage and reduce debt. Explains how credit scores work, their impact on financial opportunities, and how the rising cost of living affects household budgets.

• Learn how to prioritise and manage debt repayments

• Understand what a credit score is and how to improve it

• Explore how the cost of living affects financial choices

Covers how to read payslips, understand deductions, and use online banking safely. Introduces consumer rights and protections in financial transactions.

• Read and understand payslips and deductions

• Use online banking safely and effectively

• Know your basic consumer rights in financial decisions

Breaks down National Insurance and income tax in simple terms. Introduces the essentials of managing finances as a self-employed worker.

• Learn how National Insurance and income tax are calculated

• Understand payslip deductions and tax codes

• Explore the basics of self-employment finances and record keeping

Equips learners to set realistic financial goals using the SMART framework (Specific, Measurable, Achievable, Relevant, Time-bound).

• Set clear and achievable financial goals

• Apply the SMART framework to money planning

• Stay motivated and track progress

Teaches learners how to weigh pros and cons before major financial decisions, such as buying a car or furthering education.

• Compare pros and cons before large financial commitments

• Learn how to calculate long-term value vs short-term cost

• Make confident decisions about big purchases

Explains savings accounts, ISAs, and the role of pensions. Learners explore short- and long-term savings strategies.

• Discover different savings account types and how they work

• Learn how ISAs can grow your savings tax-free

• Understand the basics of workplace and personal pensions

Introduces different types of insurance and how they protect against risk. Covers financial planning for renting or buying a home.

• Explore different types of insurance and why they matter

• Understand risk management in everyday life

• Learn about financial planning for renting or buying a home

Provides a beginner-friendly overview of investment options and long-term retirement planning strategies.

• Get an overview of stocks, bonds, and simple investment options

• Understand compound interest and long-term growth

• Learn strategies for retirement planning

Links career development with financial security. Learners explore salary expectations, workplace benefits, and strategies for future financial stability.

• Link career choices with financial stability

• Explore salary expectations and workplace benefits

• Plan for future goals with employment income