LESSONS

SECTION ONE: BUDGETING

• 7 TAKE CARE OF THE PENNIES... KS3 Students identify the main ways in which people manage their money.
• 9 MANAGE YOUR MONEY KS4 Students identify the main ways in which people take care of their money.
• 11 BUDGETING KS3 Students identify ways in which they can work within a budget.
• 13 BUDGETING KS4 Students identify ways in which they can work within a budget.
• 15 THE COST OF FAMILY LIFE KS3 Students identify the main ways in which people manage their money.
• 17 THE COST OF FAMILY LIFE KS4 Students identify the main ways in which people manage their money.
• 19 THE COST OF BREAKING UP KS4 Students consider some of the financial implications of separation and divorce.
• 21 BASIC SERVICES KS3 Students identify the range of basic household services and what they might cost.
• 23 BASIC SERVICES KS4 Students identify the range of basic household services and what they might cost.
• 25 CARS AND BIKES KS3 Students identify the main costs of buying and running your own transport.
• 27 CARS AND BIKES KS4 Students identify the main costs of buying and running your own transport.
• 29 GOING PLACES KS3 Students identify the relative costs of different forms of transport.
• 31 TRAINS AND BOATS AND PLANES KS4 Students identify the relative costs of different forms of transport.

SECTION TWO: CONSUMER CHOICES

• 33 LEISURE PURSUITS KS3 Students identify the costs of leisure pursuits.
• 35 LOOKING AT LEISURE KS4 Students identify the costs of leisure pursuits.
• 37 LITTLE LUXURIES KS3 Students explore the cost of non-essentials.
• 39 WHAT ARE LUXURIES? KS4 Students explore the cost of non-essentials.
• 41 THE COST OF INDEPENDENCE KS4 Students identify the costs of living independently.
• 43 FOOD AND HEALTHY LIVING KS3 Students look at the choices and costs involved in having a healthy diet.
• 45 READY, STEADY, EAT! KS4 Students look at the choices and costs involved in having a healthy diet.
• 47 BUT IT'S NOT GOT THE LOGO! KS3 Students identify the financial implications of being a 'fashion victim'.
• 49 GET THE LOOK FOR LESS KS3 Students identify the financial implications of being a 'fashion victim'.
• 51 IT'S YOU! KS3 Students decide what they would do if they won or inherited a lot of money.
• 53 IT WON'T CHANGE MY LIFE! KS4 Students decide what they would do if they won or inherited a lot of money.
• 55 MAKE MONEY FROM YOUR CAST-OFFS KS3 Students identify ways of buying and selling personal goods.
• 57 BUYING AND SELLING A BIKE KS4 Students identify ways of buying and selling personal goods.
• 59 COUNTING THE COSTS KS3 Students identify the cost of buying ethically.
• 61 FAIRER FOR ALL KS4 Students identify the cost of buying ethically.

SECTION THREE: FINANCIAL TOOLS AND SERVICES

• 63 BANKING WORLD KS3 Students understand basic banking and building society services.
• 65 BANKING WORLD KS4 Students understand basic banking and building society services.
• 67 CARDS FOR EVERYTHING KS4 Students explore the uses for plastic cards.
• 69 CREDIT WISE KS4 Students learn about buying goods on credit.
• 71 INSURANCE KS4 Students find out some uses for insurance.
• 73 CHARGES: COUNCIL TAX KS4 Students understand the reasons for Council Tax and what it pays for.
• 75 EVERYONE PAYS... KS4 Students learn the purpose of income tax.
• 77 GETTING INTO DEBT KS4 Students understand what happens when debt becomes a problem.
• 79 STAYING OUT OF COURT KS4 Students learn some strategies for dealing with financial liabilities.

SECTION FOUR: POCKET MONEY

• 81 IN YOUR POCKET KS3 Students learn that even pocket money needs to be managed.
• 83 SPARE CASH KS4 Students learn to manage pocket money and earnings from part-time work.
• 85 HOBBIES KS3 Students look at the cost of hobbies.
• 87 MAKE MONEY FROM YOUR HOBBIES KS4 Students look at how hobbies can make cash.
• 89 MY LITTLE PONY! KS4 Students understand the cost of keeping pets.
• 91 PETS FOR PROFIT KS4 Students look at ways in which pets can earn money for their owners.
• 93 GETTING AWAY ON HOLIDAY KS3 Students look at the cost of going on holiday.
• 95 BIG CHANGE, SMALL CHANGE KS4 Students learn to convert different currencies.

SECTION FIVE: SAVING

• 97 TO SAVE OR NOT TO SAVE KS3 Students consider different ways of saving.
• 99 SOMETHING FOR A RAINY DAY KS4 Students consider different ways of saving.

SECTION SIX: EARNING

• 101 EMPLOYMENT KS4 Students look at the pros and cons of getting a job at 16.
• 103 TRAINING KS4 Students look at the pros and cons of training.
• 105 THE COST OF CONTINUED EDUCATION KS4 Students look at the pros and cons of carrying on their education.
• 107 BENEFITS KS4 Students find out about the benefits that are available to people in need.

SECTION SEVEN: REVIEW

• 109 REVIEW SESSION 1 FOR KS3 KS3 Students find solutions to financial issues.
• 111 REVIEW SESSION 2 FOR KS3 KS3 Students find solutions to financial issues.
• 113 REVIEW SESSION 1 FOR KS4 KS4 Students find solutions to financial issues.
• 115 REVIEW SESSION 2 FOR KS3 KS4 Students find solutions to financial issues.
• 117 FINANCIAL CAPABILITY QUIZ KS3 & KS4 Students test and review their understanding of money matters.
• 118-136 APPENDICES Teacher portfolio evidence planning sheets and appendices for use with worksheets.