This document outlines a 7-week program to teach financial literacy skills to students from varying backgrounds. The program covers topics like budgeting, credit, debt, communication around money, and the role of money in family and advertising. Each week focuses on a different topic and includes several hands-on activities and exercises. The goal is to help students better understand and manage their money by providing practical tips and establishing principles for financial decision making.

1. Paul Applewhaite
Brief Introduction
Teaching
Business

2. Background
• Thinking “outside the
box”
• What is WITHIN your
control ??
• Associating with the
“right” people !
• Understanding numbers
(especially %)
• Support for students
(varying backgrounds)
• People on low incomes
or who find constant
challenges in managing
their money
• Help students with
basic Maths

3. The three K-E-I
• The wonderful world of playing cards
• The BIGGEST risk one takes in doing
ANYTHING ???
• What is money ???

4. Outline of Programme (7 weeks)
Week 1
a) Taste Test
b) Jelly-Bear Money Trees
c) Influences on spending d) Spending Diaries
Week 2
a) What is a budget ? b) Personal Money Plan
c) Money saving tips d) Children and spending

6. Continued
Week 3 (credit)
a) Different types of credit b) credit discussion
c) Jargon Busters
d) APR exercise (e.g. TV)
Week 4 (debt)
a) What is debt ?
b) Debt quiz
c) Debt “priorities” d) do’s and don’ts

7. Continued
Week 5 (communication)
a) +ve & -ve aspects of talking about money
b) Saying NO !! (role playing exercise)
c) Planning difficult conversations
d) Practical tip (h/w exercise – talking to family
members (e.g. children / partners)

8. Continued
a)
b)
c)
d)
Week 6 (children)
Where children get messages about money
Timeline (when they learn about money ?)
Passing values to our children
Why we buy things for our children ??

9. Continued
a)
b)
c)
d)
Week 7 (family learning)
I want / I need
Essential / Non-essential spending
Advertising Detectives
Design your own advert

10. Top 10 tips
practical (immediate – “now”)
soft (principles – “slow”)
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household bills
credit cards
loans / debts
savings accounts
mobile phones
food
clothes
children
events (e.g. weddings)
putting money aside
acquiring K E I
internet (comparison sites)
internet (YouTube)
children (expectations)
seeking advice
people associations
personal goals
priorities / importance
timelines
Investments / replication