1. Are you teaching Financial Responsibility?

2. Each month... 10% of adults in the UK spend more than they earn. 23% just break even. 53% have less than £100 left in their account when all else is paid. 43% often or sometimes struggle ‘till pay day.

3. Financial Inclusion

4. Spot the difference... Beko 5502w £180.81£903.24

5. Why do we need to do anything? In a room of 100 adults.. 60 will have money problems each year. 25 will have no idea how much they spend each week. 33 didn’t save a penny last year. 50 have less than 2 months salary saved. 50 would only survive for 17 days if they suffered an unexpected loss of income.

6. Education Scotland “ It is the clear responsibility of all teachers to develop every child’s financial capability as part of their general education”

7. Key reflective Questions What financial education is already happening in your school? What do you know about the financial experiences of your children and their families? How will the cultural background of your children influence their financial experiences within your school?

8. Early Years and Primary Resources

9. Secondary Resources

10. Don’t worry if your school isn’t teaching your kids about managing money. They can always learn the hard way.