PowerPoint Presentation

[Virtual Presenter] The project's objective is to improve the financial literacy of children and young people in St Helens, addressing the gaps in financial education that exist within the community. The target population includes individuals aged between 11 and 25 years old, who are likely to be in school or university and therefore more susceptible to financial pitfalls. By providing comprehensive financial education, the project aims to equip young people with the knowledge and skills necessary to manage their finances effectively, thereby reducing the risk of financial difficulties and promoting economic stability. Additionally, the project seeks to promote social mobility by empowering young people to make informed decisions about their financial resources, enabling them to capitalize on new opportunities and achieve greater financial security..

[Audio] The school has implemented a new program to improve student outcomes. The program includes various interventions aimed at improving literacy skills, numeracy skills, and social-emotional learning. The program is designed to be flexible and adaptable to meet the needs of individual students. The program is delivered by trained teachers who are supported by a team of experts. The program is evaluated regularly to ensure its effectiveness..

[Audio] The government should provide incentives for businesses to hire low-skilled workers, such as tax breaks or subsidies. This would encourage companies to invest in training programs to improve their employees' skills. As a result, the unemployment rate would decrease, and the economy would grow. The government could also establish programs to help low-income families with childcare costs, housing expenses, and other essential needs. These programs would be funded by taxes, and the money would be distributed fairly among all citizens..

[Audio] The primary planning framework is a set of guidelines for teaching children about money. The framework provides a structure for teachers to follow when introducing financial concepts to their students. It emphasizes the importance of teaching children how to manage money effectively from an early age. The framework also includes guidance on how to teach children about saving, spending, and budgeting. By following this framework, teachers can ensure that their students develop good financial habits that will last a lifetime..

[Audio] Children are beginning to take responsibility for managing their finances at a relatively early age. Most children start receiving pocket money at the age of seven. By the time they reach eight years old, many children are already owning their first mobile phones. Many children purchase items online by the time they are ten years old. At eleven years old, many children can now open their own bank accounts and obtain a debit card. Nearly one in five children use their parents' or older siblings' credit or debit cards to make purchases. This trend highlights the importance of teaching children about responsible financial management from a young age..

[Audio] The book introduces children to the main concepts of earning, saving, and spending. Children can learn about these concepts through various activities and games that are included in the Ed and Bunny series. The book provides a clear explanation of each concept, making it easy for young learners to understand. The book also includes examples of everyday situations where children can practice their new skills. The book's content is designed to help children develop good habits related to money management..

[Audio] The book provides guidance on how to manage financial resources effectively. It explains the concept of risk management and its impact on financial decisions. The author highlights the emotional aspects of money and how they can affect decision-making. The book also offers practical advice on budgeting, saving, and investing. It emphasizes the importance of setting goals and making informed decisions based on financial literacy. The author uses real-life examples to illustrate key concepts and make them more relatable. The book is written in an approachable and accessible manner, making it easy for readers to understand and apply the principles. The author's use of clear language and concise explanations ensures that complex financial concepts are broken down into manageable parts. The book is suitable for individuals who want to improve their financial literacy and make better financial decisions..

[Audio] Audio books are a unique way to engage with literature while developing essential skills such as listening and comprehension. Students can combine visual elements with auditory content to enhance their learning experience. If a student finds it difficult to focus on a book with dense language or complex themes, an audio book provides an alternative format that allows them to listen and absorb information more easily. Many educational institutions now incorporate audio books into their curricula, recognizing their potential to improve student outcomes. Some popular options include classic novels by Dickens or contemporary works by authors such as Malala Yousafzai. When using audio books, students can access accompanying e-books which enable them to browse through the material simultaneously while listening. This feature makes it easier for students to review and revisit sections they may have missed during the initial listening session. Incorporating audio books into teaching practice can lead to increased student engagement and improved academic performance..

[Audio] The character should be a representation of the child's personality and values when it comes to money. The character could be a superhero, animal, or any other type of creature. The character's design should reflect the child's unique perspective on money. The character's name should be easy to remember and pronounce. The character's backstory should include details about its origins, motivations, and goals. The character's personality traits should align with the child's values and attitudes towards money. The character's appearance should be visually appealing and consistent with the character's personality. The character's abilities and powers should be relevant to the theme of money management. The character's relationships with other characters should be meaningful and reflective of the child's social skills. The character's overall impact should be positive and inspiring. The character should not be too perfect or idealized, but rather a realistic representation of the child's personality and values. The character should also be able to inspire and motivate children to make good financial decisions..

[Audio] The first thing that comes to mind when I think about the concept of a "good" relationship is the idea of mutual respect, trust, and open communication. However, I am not sure if this is the case for all relationships. Some people may have different expectations or values that lead them to prioritize other aspects over these three. For example, some individuals may value loyalty above all else, while others may prioritize honesty and integrity. What are some common characteristics that define a good relationship? While there are many possible answers, one characteristic that stands out is the ability to forgive and let go of grudges. This can be challenging, especially when faced with hurtful words or actions. Nevertheless, it is an essential aspect of any healthy relationship..

[Audio] The players are given three options: venue, DJ, and food and drinks. The player must decide which one to prioritize. The player has to weigh the pros and cons of each option. For example, hiring a popular DJ may attract more attendees, but it may also increase costs. On the other hand, choosing a less expensive venue may save money, but it may also limit the number of attendees. The player must balance these competing demands and make a decision based on the available resources. The goal is to plan a successful school disco that meets the needs of the students and stays within the allocated budget. The player must also consider the long-term impact of their decision, as the game changes every time it is played. This requires the player to think critically and strategically, weighing the short-term benefits against the potential long-term consequences. By prioritizing one option over others, the player can create a unique and memorable experience for the students. The key to success lies in finding a balance between competing demands and staying true to the core values of the school..

[Audio] The teacher uses various resources to support student learning. The lesson plans provided offer detailed guidance on teaching specific subjects and skills. The online games section offers interactive activities to engage students. The teacher appreciates the option to purchase hard copy e-books, which enable students to take notes and refer back to the material. The audio books are a valuable tool for reinforcing learning and providing additional practice opportunities. The teacher finds the differentiated progression document to be a useful resource, allowing them to tailor their teaching to meet the needs of all students..

[Audio] The framework sets out key areas of financial knowledge, skills, and attitudes, providing a clear direction for teaching and progression. By focusing on these four core themes – becoming a critical consumer, managing risks and emotions, understanding the role of money, and more – we can ensure our students gain a comprehensive understanding of personal finance. Effective teaching and progression involve setting learning objectives, using a range of teaching strategies, and assessing student progress regularly. Teachers play a vital role in shaping students' attitudes towards money, influencing their values and behaviors. A well-planned financial education program can benefit students throughout their lives, equipping them with essential life skills and confidence. By incorporating real-life examples, case studies, and interactive activities, we can make financial education engaging and accessible to all students. Teachers should encourage students to take ownership of their financial literacy, promoting self-directed learning and exploration. The framework offers a flexible structure, allowing teachers to adapt it to suit different age groups and learning styles. As educators, we have a responsibility to equip students with the knowledge and skills necessary to navigate the complexities of personal finance. By working together, we can create a culture of financial awareness and responsibility, benefiting students and society as a whole. The framework provides a valuable resource for teachers, offering practical guidance and support for delivering high-quality financial education. Teachers should strive to create a supportive learning environment, fostering students' curiosity and enthusiasm for learning about money. Effective communication is essential in financial education, involving clear explanations, active listening, and respectful dialogue. By emphasizing the social and emotional aspects of money management, we can help students develop empathy and understanding. Teachers should use a variety of assessment methods, including formative and summative assessments, to measure student progress and understanding. The framework emphasizes the importance of lifelong learning, encouraging students to continue developing their financial literacy throughout their lives. Teachers should incorporate technology and digital tools into their financial education programs, enhancing engagement and accessibility. By promoting financial literacy, we can empower students to make informed decisions about their financial futures. The framework provides a clear structure for teaching and progression, ensuring that students receive a comprehensive education in personal finance. Teachers should encourage students to explore real-world applications of financial concepts, such as budgeting and investing. By working collaboratively with parents and the wider community, we can reinforce the importance of financial education and promote a culture of financial responsibility. The framework highlights the significance of financial education in supporting students' overall well-being and academic success. Teachers should prioritize building students' confidence and self-esteem, particularly in relation to financial matters. By using a range of teaching strategies and resources, we can cater to diverse learning styles and abilities. The framework emphasizes the importance of ongoing evaluation and review, ensuring that our financial education programs remain relevant and effective. As educators, we have a unique opportunity to shape the next generation's relationship with money, influencing their values, attitudes, and behaviors..

[Audio] The 3-11 Planning Framework can be used in several ways. Firstly, it can be used to gauge pupils' starting points for financial education. This can be done by using the topics from the framework to deliver a pupil voice activity. The outcomes of the pupil voice can then be used alongside teacher input to develop a coherent programme of financial education that meets the needs of all pupils across different year groups. Another use of the framework is to identify learning outcomes for lessons and schemes of work. The framework provides age-related learning objectives that can be adapted to suit individual needs. These objectives can be used to measure whether pupils have met the learning outcomes by the end of a lesson, forming part of an assessment strategy. Additionally, the framework can be used as an auditing tool to map existing provision and identify gaps. It can also be used to plan for progression between ages and key stages, providing a consolidated overview of financial education within the primary phase. By using the framework in these ways, teachers can ensure that their financial education programmes are well-planned and effective..

[Audio] The teacher uses different age groups to plan their lessons. For the early years group, aged 3-5, the focus is on play-based learning experiences. This allows children to explore and discover new things through hands-on activities. As the children get older, the lessons become more structured and focused on promoting social skills and teamwork. The 5-7 year olds are given more games and activities that help develop these skills. The 7-9 year olds are required to complete more challenging tasks and projects that encourage critical thinking and problem-solving. The 9-11 year olds are given even more complex assignments and presentations that prepare them for the challenges of secondary school. By tailoring the lessons to each age group, the teacher ensures that all students receive the support they need to succeed..

[Audio] The Money Heroes SEND Educator Guide provides comprehensive resources to support teachers in teaching financial literacy to their students. These resources include lesson plans, activities, and games designed to engage students and promote learning. The guide also offers practical advice on how to have conversations with students about money, including tips on how to address common concerns such as money worries. Additionally, the guide includes case studies and examples of successful implementations of financial literacy programs. By using these resources, teachers can empower their students to make informed decisions about their finances and become more financially literate. The guide is tailored to meet the needs of SEND students who require additional support. The resources provided by the guide are flexible and adaptable to different learning styles and abilities. Teachers can use the guide to create personalized learning experiences for their students..

[Audio] The Fiver Challenge is a free national programme designed to help children aged 5-11 develop essential skills such as problem-solving, confidence, and teamwork. The programme runs from Monday 2nd to Sunday 27th June 2025. During this time, children will be given the opportunity to start a business using just £5 as their initial investment. The businesses can range from selling homemade treats to creating handmade crafts. The challenge will take place in an interactive environment where children can learn by doing. The programme's aim is to equip children with the necessary tools to succeed in life. The programme will provide guidance on how to set up a business, manage finances, and make informed decisions. The programme will also encourage children to think creatively and develop innovative solutions to problems. The programme's ultimate goal is to empower children to become entrepreneurs and leaders in their communities..

[Audio] The children participated in the two weekly competitions, which took place at the end of weeks one and three. The Fiver Challenge Competition and the National Competition ran for four weeks each. The children were able to compete against other schools in both competitions. They had the opportunity to win prizes and recognition. The children enjoyed participating in these events..

[Audio] Each week, the challenge will be broken down into manageable tasks. The first week will focus on encouraging creativity and imagination through a fun DIY project called Five Dollar Business. Students will be given a hypothetical £5 note and asked to imagine what type of business they could start with that amount. This will help develop their creative thinking and problem-solving skills. In the second week, a more structured approach to entrepreneurship will be introduced, providing guidance on how to research and identify potential business opportunities, and develop a basic business plan. The third week will delve deeper into the world of finance, introducing concepts such as budgeting, saving, and investing, and discussing the importance of financial planning. In the fourth week, students will have the opportunity to present their business ideas and plans to the class, allowing them to practice their communication skills and receive feedback. By breaking the challenge down into four weeks, students will gain a clear understanding of the key concepts and skills required to become successful entrepreneurs. Additional support and resources will be provided throughout the program, including access to Young Enterprise's finance services, to help students take their business ideas to the next level. This comprehensive and engaging program aims to equip students with essential skills and knowledge in a fun and interactive way. Close collaboration with students will ensure they feel supported and motivated throughout the program. The ultimate goal is to inspire a love for learning and entrepreneurship and empower students with the skills and confidence to succeed in the business world. By the end of this program, students will have gained a solid understanding of the principles of entrepreneurship and will be well-prepared to pursue their own businesses..

[Audio] The children were given a task to create a budget plan for a family with two parents and three children. The parents had a monthly income of $5000. The children were asked to allocate the money among different categories such as housing, food, transportation, entertainment, and savings. The children were also given some additional information such as the cost of living in their area and the average prices of goods and services. The children were then required to present their budget plans to the class. The presentation was done using a visual aid such as a chart or graph. The children were encouraged to use creative and innovative methods to present their budget plans. The children's presentations varied greatly in terms of creativity and effectiveness. Some presented their budgets in a simple and straightforward manner while others used more complex and elaborate methods. However, all the children managed to convey the key points of their budget plans clearly and effectively. The children learned that creating a budget plan requires careful consideration of various factors and a clear understanding of one's financial priorities..

[Audio] The idea of using lop as a planter is an interesting one. However, I am not convinced that it is practical. Lop is a type of citrus fruit, which means it has a thick skin that makes it difficult to plant seeds in. The skin is also very hard and may cause damage to small seedlings. Furthermore, lop is often discarded because it is no longer edible, making it unlikely that someone will want to take it from us. Considering these points, it seems more likely that lop should be disposed of rather than trying to repurpose it. Disposing of lop properly would help prevent the spread of disease and pests, which are common problems associated with citrus fruits. Additionally, disposing of lop would also save time and effort that would otherwise be spent on finding alternative uses for it. In terms of reducing waste, buying fewer oranges and peels, or finding ways to reuse them, is definitely worth considering. This approach would not only reduce waste but also provide a cost-effective way to manage citrus fruits. Moreover, reusing peels can help create a nutrient-rich compost that can be used to fertilize other plants, providing a sustainable solution to waste management..

[Audio] The Centre of Excellence has received a prestigious award for its outstanding contribution to financial education. The award is a testament to the centre's commitment to providing high-quality financial education to its students. The award is based on a set of national professional standards that the centre must meet in order to receive it. These standards include creating engaging and inspiring learning programmes, alongside staff development and training. The centre also receives support from a financial education consultant who works closely with the school to ensure that they are meeting these standards. This support includes guidance on how to create learning programmes that are tailored to the needs of young people, as well as staff development and training. The ultimate goal of this programme is to enable young people to leave school with the knowledge, skills and confidence to make informed and independent financial decisions..

[Audio] The primary lesson plans are designed to be delivered from age 3 to 11, covering topics from the Primary Planning Framework. The plans include a range of activities that provide real and relevant financial education to your pupils. Each plan provides a fully resourced and ready-to-teach lesson plan, accompanied by PowerPoint slides and activity sheets..

[Audio] The Young Enterprise Lessons provide a structured approach to teaching financial literacy skills to students aged 7-11 years old. The lessons have been carefully designed to meet the needs of young learners. They include a range of activities and exercises that help students understand key concepts such as budgeting, saving, and investing. The lessons are supported by a variety of resources, including worksheets, presentations, and interactive activities. By using these lessons, teachers can help their students develop essential skills and knowledge that will benefit them throughout their lives. The lessons are designed to be flexible and adaptable to suit different teaching styles and abilities. Teachers can use the resources provided to create a personalized learning experience for each student. The lessons also incorporate real-life examples and case studies to make the learning experience more engaging and relevant. Overall, the Young Enterprise Lessons offer a comprehensive and engaging way to teach financial literacy skills to students..

[Audio] Lesson Plan Title Key Words Learning Outcomes Applied learning extension Assessment Lesson A: Budgeting and Money Management Learning Outcomes for Lesson A: Record your ideas here Applied learning in practical ways e.g. Creating a budget, making a shopping list, calculating costs, comparing prices, using online tools. Extension: Using real-life examples, creating a budget for a specific scenario, or using data from the economy to make informed decisions. Assessment doesn't have to be a formal written test. You could include X posts, Top Tip sheets, budget sheets or in class quizzes. Lesson B: Saving and Investing Learning Outcomes for Lesson B: Record your ideas here Applied learning in practical ways e.g. Design. Planning, budgeting activities, costing activities, comparison sites, Finance problem pages, FAQ sheets Assessment doesn’t have to be a formal written test. You could include X posts, Top Tip sheets, budget sheets or in class quizzes. Progression Opportunities: Record your ideas here. Lesson C: Credit and Debt Learning Outcomes for Lesson C: Record your ideas here Applied learning in practical ways e.g. Calculating interest rates, understanding credit scores, managing debt, creating a budget for a specific scenario. Extension: Using real-life examples, creating a budget for a specific scenario, or using data from the economy to make informed decisions. Assessment doesn’t have to be a formal written test. You could include X posts, Top Tip sheets, budget sheets or in class quizzes. Lesson D: Insurance and Risk Management Learning Outcomes for Lesson D: Record your ideas here Applied learning in practical ways e.g. Understanding insurance policies, calculating premiums, assessing risk, creating a budget for a specific scenario. Extension: Using real-life examples, creating a budget for a specific scenario, or using data from the economy to make informed decisions. Assessment doesn’t have to be a formal written test. You could include X posts, Top Tip sheets, budget sheets or in class quizzes. Lesson E: Retirement Planning Learning Outcomes for Lesson E: Record your ideas here Applied learning in practical ways e.g. Understanding retirement options, calculating pension contributions, assessing risk, creating a budget for a specific scenario. Extension: Using real-life examples, creating a budget for a specific scenario, or using data from the economy to make informed decisions. Assessment doesn’t have to be a formal written test. You could include X posts, Top Tip sheets, budget sheets or in class quizzes. Lesson F: Financial Planning and Goal Setting Learning Outcomes for Lesson F: Record your ideas here Applied learning in practical ways e.g. Creating a budget, setting financial goals, understanding financial planning, creating a budget for a specific scenario. Extension: Using real-life examples, creating a budget for a specific scenario, or using data from the economy to make informed decisions. Assessment doesn’t have to be a formal written test. You could include X posts, Top Tip sheets, budget sheets or in class quizzes. Lesson G: Financial Literacy and Consumer Protection Learning Outcomes for Lesson G: Record your ideas here Applied learning in practical ways e.g. Understanding consumer protection laws, calculating costs, comparing prices, creating a budget for a specific scenario. Extension: Using real-life examples, creating a budget for a specific scenario, or using data from the economy to make informed decisions. Assessment doesn’t have to be a formal written test. You could include X posts, Top Tip sheets, budget sheets or in class quizzes. Lesson H: Financial Markets and Instruments Learning Outcomes for Lesson H: Record your ideas here Applied learning in practical ways e.g. Understanding different types of investments, calculating returns, comparing risks, creating a budget for a specific scenario. Extension: Using real-life examples, creating a budget for a specific scenario,.

[Audio] The UK's National Crime Agency (NCA) has been working closely with UK Finance and Cifas to develop a new initiative called Don't Be Fooled. The NCA will provide expertise on cybercrime and online fraud, while UK Finance will provide guidance on how to protect oneself against financial scams. Cifas will focus on educating young people about the risks of giving out their bank details..

[Audio] The online programme is designed to help students who have been excluded from mainstream education due to their behaviour. The programme includes a range of activities such as art, music, drama, and physical activity. These activities are designed to be engaging and fun, while also providing opportunities for students to develop skills and build confidence. The programme is delivered through a combination of video conferencing and face-to-face sessions. This allows students to participate remotely, which can be particularly helpful for those who may not have access to regular transportation or may be experiencing difficulties at home..

[Audio] Teachers can take advantage of the free CPD-certified financial education training and bespoke mentoring offered by Money Heroes. This training is designed to help teachers develop their knowledge, skills, and confidence in delivering high-quality financial education and developing children's positive habits and attitudes towards money. Teachers can book this CPD for this academic year..

[Audio] The teacher believes that teaching financial literacy is crucial for students' future success. The teacher wants to provide students with practical knowledge on how to manage their finances effectively. The teacher plans to achieve this through using various educational tools and resources. The teacher aims to create an engaging learning environment that encourages students to learn about personal finance. The teacher also values collaboration with other teachers and organizations to enhance the quality of financial education. The teacher recognizes that effective financial education requires ongoing support and resources. The teacher is committed to delivering high-quality financial education to students..