Lesson Idea 1 Attitudes to Money Is it fair that some people have more than others?
|
|
- Anthony Stokes
- 8 years ago
- Views:
Transcription
1 Overview The Salvation Army is running projects all over the world, helping provide people with access to small loans or grants, skills training and more to help them get on their feet and work their own way out of poverty. Here are some ideas for primary-aged children, exploring some of the issues connected with The Salvation Army s GENERATION Resource Pack. Please feel free to adapt these ideas. See the individual lesson plans for curriculum links Lesson Idea 1 Attitudes to Money Is it fair that some people have more than others? To explore the question: what is fair and unfair in the distribution of wealth in the world? PSHE/Citizenship 1a to talk and write about their opinions, and explain their views, on issues that affect themselves and society 2a to research, discuss and debate topical issues, problems and events 2e to reflect on spiritual, moral, social and cultural issues, using imagination to understand other people s experiences Reflect on ideas of right and wrong and their own and others responses to them. Starter activity (10 minutes) To introduce the concept of shifting the balance, put children into four groups. Have a series of small tasks for each group to complete in 5 minutes. These could be simple classroom tasks like sorting out books, sharpening pencils, etc. Explain that in 5 minutes when the tasks have been completed the children are going to be paid for their work. When paying the children, using imitation money, give one group 10 each, one group 5 each and one group 80p each. Following this, ask the children how they feel about how much they have been paid. Was this fair or unfair? Discussion (15-20 minutes) Show images or the PowerPoint slide of the celebrities earnings (PPT Slide 2). Ask the children if they know who they are, what they are known for and encourage them to contribute anything that they notice about how they look. Do you like their clothes/car/shoes? How much money do you think they earn? What makes you think that they have lots of money? Explain to the children that we presume celebrities have lots of money by the way they dress, look and live. Because they may be earning a lot of money, many people look up to them. We all have different ideas of money and, in our country, we have a lot of it, no matter how hard up our families might seem. Although we may look at these celebrities as being wealthy and much richer than we are, we all have more than enough to live on in the United Kingdom. Explain that in (PPT Slide 3): 50% of the world s wealth was owned by the richest 2% of adults. 1% of the world s wealth was owned by the poorest 50% of adults. Owning possessions totalling 1,500 per adult placed a household in the richest half of the world s wealth distribution in the year (This is less than the average family car in the UK is worth.) Someone with belongings totalling 39,000 would be in the richest 10% of adults in the world. (This is much less than the average family house or flat in the UK.) People with more than 320,000 belong to the richest 1% of people in the world. Worldwide there are 37 million people in this group Show images of people in developing countries from the GENERATION resource pack. Explain that these are just some of the 1.4 billion people in the world that only, or used to, earn around 80 pence per day (PPT Slides 4-5). True Story An Italian footballer has become a hero on and off the pitch for asking his team to pay him only the minimum wage. While some of his team-mates at Roma football club earn millions, Damiano Tommasi has requested a salary of 1,500 ( 1,013) a month. After being out of the game for months with a knee injury, the 31-year-old player said he simply wanted to return to playing football at the highest level and economic considerations were low on his list of priorities. A modest salary was enough for his needs, he said, and he was still earning more than many ordinary Italians PAGE 1 0F 6
2 Activity (15-20 minutes) The following questions are to stimulate discussion and to encourage the children to think about what is fair or unfair about the world s distribution of wealth. They could be used as the format for a class discussion or debate or be worked on in small groups. Why do they think that Damiano Tommasi has become a hero in Italy? Do the children think it is fair that some people earn so much and some people earn so little? Why do they think that some people have more money than others? If they earned as much as celebrities what would they spend their money on? Plenary (5-10 minutes) Ask the children for ideas of how people in these countries could be helped. Do they know of any organisations that are helping? Have they done anything personally to help people in other countries who have less than they do? Resources Pictures of celebrities from magazines Plastic coins and imitation paper money Images of people in developing countries from the GENERATION resource pack PAGE 2 0F 6
3 Lesson Idea 2 Living off 80p a day To understand the difference between wants, needs and rights PSHE/Citizenship 2a to research, discuss and debate topical issues, problems and events 2h to recognise the role of voluntary, community and pressure groups 5d to make real choices and decisions [for example, about issues affecting their health and wellbeing such as smoking; on the use of scarce resources; how to spend money, including pocket money and contributions to charities] Starter activity (15 minutes) Use a range of magazine pictures, catalogues and newspapers to make two collages, one of essentials and one of luxuries. This could be done individually, in pairs or as a large-scale group project. Compare the two collages. What do we notice? Are there more items on the essentials collage or the luxuries collage? Were there items that we consider to be essentials that really belong on the luxuries collage or vice versa? Discussion (20 minutes) Explain that the world s income is unfairly imbalanced towards the few rich people and away from the majority who are poor. The poorest people in our world, 1.4 billion of them in fact, live on less than 1.25 dollars a day, that s about 80 pence (PPT Slide 6). 80 pence to cover all your food, water, clothing, children s education, health care and anything else that you need to provide for yourself and your family. Ask the children to brainstorm the things they may need to survive each day. Ask them to think of basic needs. Which of these would they need to spend money on to survive each week? Ask the children to write their top five needs on individual whiteboards and how much they think these items would cost per day. Alternatively discuss this as a whole class then write this up on a whiteboard or flip chart. Show the children a list of these things with costs next to them. In 2008 the average family spent 471 per week3 (PPT Slide 7). This included 63 a week on transport (includes cost of owning a car and public transport) 60 a week on recreation and culture (including TV, computers, books, leisure activities and holidays) 53 a week Housing (excluding mortgage costs), fuel and power 51 a week Food and non-alcoholic drink purchases ( of which was spent on meat and fish, 3.70 on fresh vegetables, and 3.00 on fresh fruit.) Non-alcoholic drinks accounted for 4.00 of weekly expenditure, and 2.10 per week was spent on chocolate and confectionery. Problem-solving activity (20 minutes) (PPT Slide 8) Give each child coins to the value of 80p and a range of everyday items from a local supermarket and put prices on the objects. Ask the children to put together items that total 80p. It may also be a good idea to include sweets and crisps or comics. If computers are available, the children could use online supermarket websites to put together shopping lists that total 80p. The children could draw the items that total 80p on a shopping basket template. Discuss how little 80p actually buys and yet many people earn less than this per day in order to provide many of these items for us. Ask them to work in groups of 4-6 to decide how they could spend their money and survive. (Some children may decide to put their money together or spend all of their week s money, 5.60, at once.) Plenary (5-10 minutes) Ask the children for ideas on how they would manage to live on so little. Would they still be able to eat the same sort of food they do now? How would they ensure that their meals are healthy? Explain that no matter where you live, 80 pence doesn t get you very far. That means that these 1.4 billion people living in extreme poverty are not able to earn anywhere near enough to adequately support themselves or their family. These people, along with a further 1.2 billion people living on less than 1.30 a day, are in desperate need for people to help them. resources Primary Lesson Plans PowerPoint from GENERATION resource pack Magazine images of essentials and luxuries Plastic coins 10s, 20s and 50s enough for each child to have 80p PAGE 3 0F 6
4 Lesson Idea 3 How we must Shift the Balance What is Credit? To understand what credit is and how it can help people in developing countries 3m beliefs in action in the world: how religions and beliefs respond to global issues of human rights, fairness social justice and the importance of the environment PSHE/ Citizenship 1a to talk and write about their opinions, and explain their views, on issues that affect themselves and society Starter activity (15 minutes) What do we need to be able to live? In pairs, make a list of the things we think we need in order to live. Share these ideas with the rest of the group. Think about practical needs, eg food and water, but also less obvious needs eg safety, shelter, love. After producing a group list, ask the children in pairs to consider what may happen if one or more of those needs aren t met. The children may come up with ideas that may seem like essentials to them eg television. Discuss: What happens if we don t have television? Can we still live? What do we do if we don t have enough money to buy the things we need? Discussion (20 minutes) Hold up a credit card and ask the children if they know what it is. Ask how and when they would use it and find out what their understanding is of how it works. (PPT Slide 9) Explain to the children that many people in this country rely on credit to live. It means that we can use credit cards such as this one to buy things that we need and then we receive a bill at the end of the month telling us how much we have spent and how much we need to pay. However, this isn t the only kind of credit that people rely on. Ask if anybody can think of any more types of credit? Ask the children to make suggestions and encourage them as well as giving them some help if needed. Suggestions may include; Mortgage Car finance Student loan Personal loan Overdraft Store cards For each suggestion, perhaps you could have a picture to represent it and then stick them on to a flip chart or a large board. Explain that for our families having access to credit has often been vital to enable them to progress through life. As you grow older you may need credit to buy a car, take out a loan to attend university or to buy a house. Without access to these loans people would not be able to pursue these goals. Explain that our families may rely on these forms of credit to progress through life; people in the developing world who have a lot less than we do rely on borrowing money just to meet their basic needs. They may require help to buy food or to start a business, basic rights that would help their families and local communities. In these countries it is often difficult or impossible for these people to borrow from a bank. Often they have to borrow from a loan shark. (A loan shark is someone who lends money but charges a lot of interest. For example, people may borrow 50 but end up owing several hundred pounds. The loan shark then puts enormous pressure on the person to pay back, sometimes threatening or using violence to get them to pay.) Show images from the GENERATION resource pack and explain that The Salvation Army is helping people in this situation all around the world to earn an income, often through starting small businesses by lending them small amounts of money. This is called microcredit. Plenary (5-10 minutes) Encourage the children to think some more about the loan system that The Salvation Army is operating. Do they think that it is fair to lend people this money? Why not just give it to them to help them start their business? Perhaps older children could hold a class debate with people arguing for each side. Resources A credit card GENERATION resource pack images PDF or PowerPoint PAGE 4 0F 6
5 Lesson Idea 4 Microcredit Faith in Action To understand how The Salvation Army is using microcredit to help some of the people in the world s poorest communities. 3m beliefs in action in the world: how religions and beliefs respond to global issues of human rights, fairness, social justice and the importance of the environment PSHE/ Citizenship 4g where individuals, families and groups can get help and support. 5d make real choices and decisions [for example, about issues affecting their health and wellbeing such as smoking; on the use of scarce resources; how to spend money, including pocket money and contributions to charities] Starter activity (5-10 minutes) Watch the GENERATION film from the resource pack, or one of the case story videos. and/or Hand out the case stories document, one to each group. Allow the children time to read the various case stories. Discussion Explain that some families in poorer countries do not have enough money to cover the costs of their basic needs. They are unable to afford enough food or pay for medical care for their families. Unlike in the United Kingdom, where if people have no money the Government helps them, in these communities there is no government help available. If they want to borrow money often they have to go to a loan shark. Question Does anybody know what a loan shark is? A loan shark is someone who lends money but charges a lot of interest. For example, people may borrow 50 but end up owing several hundred pounds. The loan shark then puts enormous pressure on the person to pay it back, sometimes threatening or using violence to get them to pay. This traps the people for far longer in a cycle of poverty. Explain we are going to find out how The Salvation Army is helping some of these people by lending them money. This money is enabling them to start their own small businesses so they can earn enough to support their families. Activity (30 minutes) In their groups give children 1 each (in imitation money) and explain that how microcredit works is that they use their 1 to buy what they need to make or buy something to sell. They can pay back their 1 from their profit then borrow more the next week or month to expand their business. Ask the children as a group to think of an idea for a small business they could create as a group that would raise money for charity. One idea could be using their money to buy ingredients to make cakes, sell the cakes and donate the profits. Resources Case stories document/films from the GENERATION resource pack GENERATION film from the resource pack Extension Activities Ask the children what businesses they think people in the developing world would set up. If they were given the opportunity to set up their own business, what would it be? Encourage some or all of the children to set up a social enterprise project at school, perhaps setting up a cake stall, washing staff cars or selling something simple such as sandwiches. They could raise money for GENERATION projects across the world. Encourage them to think about what they would need to consider/who would be in charge/resources, etc. The children could work as a team to put together a business plan and decide their roles within that eg, design, manufacture, advertising and marketing. The project could run along the lines of The Apprentice TV show or the children s version Beat the Boss. However, any profit made would then be sent to The Salvation Army s own GENERATION projects. The product does not have to be complicated. Ideas include tea light holders, glass painting, cakes, T-shirt painting, cards or bookmarks. (For help with this you could look at the Starting your own Microbusiness document on the GENERATION resource pack.) PAGE 5 0F 6
6 Instead of starting up a profit-making project, perhaps some or all of the children could start up a Hope project. Ask them to think about ways they could spread hope around the school (homework help, bullying support, self-esteem activities, etc) and to establish this to support those who perhaps need this kind of practical help. Key Stage 2 3m beliefs in action in the world: how religions and beliefs respond to global issues of human rights, fairness, social justice and the importance of the environment PSHE/ Citizenship 2a to research, discuss and debate topical issues, problems and events 2h to recognise the role of voluntary, community and pressure groups 2j that resources can be allocated in different ways and that these economic choices affect individuals, communities and the sustainability of the environment Contact us For help or advice with any of these ideas and resources contact: Schools & Colleges Unit +44 (0) schools@salvationarmy.org.uk To find out more about The Salvation Army International Development (UK) or for more resources contact: +44 (0) id@salvationarmy.org.uk PAGE 6 0F 6
Financial Maths - Life Skills. Budgeting UNIT. CfE Level 3 - Lesson Plan
TeeJay Publishers Financial Maths - Life Skills Budgeting UNIT MNU 3.09b CfE Level 3 - Lesson Plan Produced for TeeJay Publishers by Pamela Fraser, Financial Education Training Officer, Dumfries & Galloway.
More informationMoney Borrowing money
Money Borrowing money Aims: To enable young people to explore ways of borrowing money and the advantages and possible consequences of doing so. Learning Outcomes: By the end of the session the participants
More informationFACT SHEET. Money matters. Paying bills
12 FACT SHEET Money matters This fact sheet provides advice and information about how best to manage your money to make it easier to manage your household expenses. It also provides details of agencies
More informationYour personal budget plan
1. About you Your personal budget plan Your personal budget plan You need to be clear about whose details you are going to include. For example: if you live with a partner, are you going to prepare a joint
More informationLesson 2: Savings and Financial Institution Knowledge Making the Most of Your Money
Lesson 2: Savings and Financial Institution Knowledge Making the Most of Your Money All the materials and information included in this presentation is provided for educational and illustrative purposes
More informationBanking made clear. Information pack for people with learning disabilities.
Banking made clear Information pack for people with learning disabilities. This handy guide provides information about how you can: open and manage your own bank account keep safe when you are using your
More informationBanking made clear. Information pack for people with learning disabilities.
Banking made clear Information pack for people with learning disabilities. This handy guide provides information about how you can: open and manage your own bank account keep safe when you are using your
More informationinsurance Insurance Protecting what s important to you Inside... What insurance do you need? Types of insurance Buying insurance
insurance Insurance Protecting what s important to you Inside... What insurance do you need? Types of insurance Buying insurance What insurance do you need? Insurance is a way to protect you (and your
More informationMy Money Primary Toolkit Key Stage 1, Year 2, Unit 1: Understanding My Money PSHE Resource Sheet
My Money Primary Toolkit Key Stage 1, Year 2, Unit 1: Understanding My Money PSHE Resource Sheet Needs and Wants Colour and label the pictures. Sort them into two groups - needs and wants. Clean water
More informationwww.lewishamhomes.org.uk 1
For tenants Contents 1. Ways to help yourself out of debt and increase your income 2 Don t ignore the problem. Ask for help. 2 Claim all the benefits you are entitled to. 2 You may also be able to increase
More informationInsurance. Covered, just in case. - How much cover do we need? - Buying insurance - Types of insurance - Where to go for help
Insurance Covered, just in case - How much cover do we need? - Buying insurance - Types of insurance - Where to go for help Sorted by the Commission for Financial Capability How much cover do we need?
More informationMaking a budget: lesson plan
Making a budget Topic: ESOL, numeracy Level: SfL Entry 3 / SQA National 4/ CEFR B1 Time: 90 minutes Objectives Learners will be able to complete a simple personal budget Learners will practice adding,
More informationWEBINAR WORKBOOK: What s included? 2 x formulas to create and manage change How to write a goal and build a life plan Personal Finance HealthCheck
WEBINAR WORKBOOK: A Simple 3-Step Guide Toward Creating A Life Plan And Improving Your Personal Finances In Just 60 Minutes (even if you have no idea what you want to do in your life and you re hopeless
More informationKey Stage 1 What should we eat and why?
Key Stage 1 What should we eat and why? ABOUT THE UNIT In this unit, children are invited to consider some of the choices they make in considering what they eat they are given opportunities to reflect
More informationDiving Into Spending Plans Grade Level 7-9
2.15.1 Diving Into Spending Plans Grade Level 7-9 Get Ready to Take Charge of Your Finances Time to complete: 60 minutes National Content Standards Family and Consumer Science Standards: 1.1.6, 2.1.1,
More informationFour Steps to Reduce Your Debt
Four Steps to Reduce Your Debt Overview Simple steps you can take to reduce your debt. Admit that you have a problem and commit yourself to fixing it. Stop debt spending. Make a spending plan. Pay down
More informationMoney, Money, Money. Lesson Plan
208 Lesson Plan Objectives: 1. Participants will be able to create a usable spending plan. 2. Participants will be able to identify resources, other than money, that they have. 3. Participants will be
More informationUsing Your Credit - Crazy or Compelling? EPISODE # 115
Using Your Credit - Crazy or Compelling? EPISODE # 115 LESSON LEVEL Grades 4-6 KEY TOPICS Entrepreneurship Credit Interest LEARNING OBJECTIVES 1. Learn about borrowing money. 2. Understand your credit
More informationLESSON FOCUS: The stock market
LESSON FOCUS: The stock market Key stage Key concepts Key processes Range and content Curriculum opportunities KS4 1.1a, 1.1b, 1.1c, 1.2a, 1.2c, 1.3b, 1.3c 2.1a, 2.1c, 2.2a, 2.2b, 2.2c, 2.3a, 2.3c 3a,
More information4 Many pupils in this age group
8 11 Why does Zara give money away at Ramadan? Background knowledge for teachers The month of Ramadan (the ninth month in the Islamic calendar) has special religious significance. In this month every adult
More informationA religious education unit for ages 9 to 11 Beliefs and actions in the world: Can Christian Aid and Islamic Relief change the world?
A religious education unit for ages 9 to 11 Beliefs and actions in the world: Can Christian Aid and Islamic Relief change the world? Christian Aid: Resources for teachers This religious education (RE)
More informationpainting by numbers a personal budget planner and guidance notes
painting by numbers a personal budget planner and guidance notes Stewardship 1 Lamb s Passage, London EC1Y 8AB t 020 8502 8585 e education@stewardship.org.uk w www.stewardship.org.uk/money introduction
More informationJump$tart Washington Curriculum Unit 1 Chapter 1 Contents
Jump$tart Washington Curriculum Unit 1 Chapter 1 Contents Jump$tart... 1 UNIT ONE: PLANNING AND MONEY MANAGEMENT... 2 Chapter One: Financial Literacy... 2 Chapter Learning Objectives... 2 Episode 301 Synopsis...
More informationDealing with debt Top Tips
Dealing with debt Top Tips Don t ignore the problem it won t go away. The longer you leave it, the worse it will get. Get advice from the Student Advice Centre, Citizens Advice Bureau or other independent
More informationContents. Why budget? Do I need to budget? Why budget? 3. Do I need a budget? 3. Some budgeting ideas 4. Talking with a budgeting advisor 5
Managing your money Contents Why budget? Why budget? 3 Do I need a budget? 3 Some budgeting ideas 4 Talking with a budgeting advisor 5 Extra help with costs 6 Budget worksheet to help you get started 7
More informationWhatever s special about your family life, make sure you protect it
Whatever s special about your family life, make sure you protect it Your family is special, so make sure you protect it When something awful happens, it feels like normal life stops. But, even for a family
More informationA Self Help Guide to Money Problems
A Self Help Guide to Money Problems DERBY CITY COUNCIL Money Advice Service If you re in debt and don t know which way to turn, then this guide will help you. Act now! Help yourself by following these
More informationTipton St John C of E Primary School Year groups: 4,5,6 Term: Summer Year: (A) 2014/15 Subject: Religious Education Teacher: Mrs Anne Ladbrook
Tipton St John C of E Primary School Year groups: 4,5,6 Term: Summer Year: (A) 2014/15 Subject: Religious Education Teacher: Mrs Anne Ladbrook Theme: Beliefs in Action Key Question: How do we make Moral
More informationApproximately 45 minutes worth of materials for a Y8 9 Citizenship/PSHE lesson on Managing money / Personal finance.
Approximately 45 minutes worth of materials for a Y8 9 Citizenship/PSHE lesson on Managing money / Personal finance. Learning objectives: understanding that some money choices are risky evaluating the
More informationMoney Matters: What you need to know about debt. What is debt?
What is debt? Debt is a sum of money owed to another person or organization. A debt can be in the form of a: Bank loan Rent arrears Utility bill debts Over draft with bank account Failure to pay council
More informationCredit & Debit Card Unit
TeeJay Publishers Financial Maths - Life Skills Credit & Debit Card Unit MNU 2.09b CfE Level 2 - Lesson Plan Produced for TeeJay Publishers by Pamela Fraser, Financial Education Training Officer, Dumfries
More information1Planning Your Financial Future: It Begins Here
This sample chapter is for review purposes only. Copyright The Goodheart-Willcox Co., Inc. All rights reserved. 1Planning Your Financial Future: It Begins Here Terms Financial plan Financial goals Needs
More informationWhen Finances Go Wrong - Debt
When Finances Go Wrong - Debt Very few people now have no debt at all after all a mobile phone contract, or your rent/mortgage are both debts. It becomes an issue for people when they cannot meet the payments
More informationBUILDING YOUR MONEY PYRAMID: FINANCIAL PLANNING CFE 3218V
BUILDING YOUR MONEY PYRAMID: FINANCIAL PLANNING CFE 3218V OPEN CAPTIONED MERIDIAN EDUCATION CORP. 1994 Grade Levels: 10-13+ 14 minutes 1 Instructional Graphic Enclosed DESCRIPTION Most people will earn
More informationFamily protection made easy
Family protection made easy A guide to life assurance This product is provided by Irish Life Assurance plc. AIB has chosen Irish Life, Ireland s leading life and pensions provider, to provide its customers
More informationBeliefs and actions in the world: Can Christian Aid and Islamic Relief change the world? Year 5 / 6. Title:
These t hr ee Nottingham City and County RE Guidance 2009 Title: Beliefs and actions in the world: Can Christian Aid and Islamic Relief change the world? Year 5 / 6 Non statutory guidance for the Nottingham
More informationOnline Accounting Software FUNDING OPTIONS GUIDE
Online Accounting Software FUNDING OPTIONS GUIDE Why you need to think about funding Every business needs money. Starting a business presents new challenges, many of which will require some financial outlay.
More informationHow to calculate your taxable profits
Helpsheet 222 Tax year 6 April 2013 to 5 April 2014 How to calculate your taxable profits A Contacts Please phone: the number printed on page TR 1 of your tax return the SA Helpline on 0300 200 3310 the
More informationIn Debt? Dealing with your creditors Call: 0800 157 7330 or 01257 251319 www.debtproblemsuk.com
Debtfocus Business Recovery & Insolvency Ltd In Debt? Dealing with your creditors Call: 0800 157 7330 or 01257 251319 www.debtproblemsuk.com Content highlights Before you read this guide in detail, you
More informationHelping you manage your debts
debt advice Helping you manage your debts A three-step guide start today you re on the right path to reducing your debt review prepare offer Start today This guide will take you through the steps you need
More informationYour Financial Action Plan 1
FCS5204 1 Adapted by Josephine Turner and Michael Gutter 2 Overview Families today are faced with a financial puzzle. In addition to stretching their income from one paycheck to the next, they face the
More informationdebt Managing debt Easy to get into, harder to get out Inside... Think before you borrow Know your options Make a debt repayment plan
debt Managing debt Easy to get into, harder to get out Inside... Think before you borrow Know your options Make a debt repayment plan Think before you borrow Borrowing money is called getting into debt.
More informationHelping your loved ones. Simple steps to providing for your family and friends
Helping your loved ones Simple steps to providing for your family and friends Contents 01 How can I take control of who gets what? 02 Inheritance Tax 04 Do you know how much you re worth? 06 Making lifetime
More informationDebt. Essentials. We can t tell you everything in these few pages but it should help you see that there are options.
Debt Essentials If you are in debt here is some vital information to help you get back in control. Debts may not go away quickly but you can manage them and reduce the stress it may be causing. We can
More informationEMPLOYMENT SUPPORT PLANNING TOOLS JOBS FIRST
What do I want to change? Reflect and review EMPLOYMENT SUPPORT PLANNING TOOLS JOBS FIRST About me Ideas My decisions What do I have? Making it happen 2 Introduction Support Planning and Employment Here
More informationTopic 2(d) Bank accounts
Topic 2(d) Bank accounts Storing money in a bank or building society If you have money you don t want to spend immediately, the best thing you can do with it is put it in a bank account. This will keep
More informationThank you for supporting us!
From the moment I contacted Bowel Cancer UK, right up until the day of my event, the support and enthusiasm given by the team helped me achieve my fundraising target and aim of supporting such an important
More informationResource Pack. Key stage 3 11 14 years
Resource Pack Key stage 3 11 14 years Acknowledgements Barclays Money Skills is a national programme that helps young people to develop and improve their financial skills, knowledge and confidence. The
More informationStudent debt advice guide
Student debt advice guide Free, Impartial Debt Advice Introduction As a student, you might be worried about how you re going to manage your finances. This guide will help you understand your options and
More informationMoney Management THEME
THEME 3 Introduction Money Management Do you know people who handle money carelessly? Lots of seemingly smart people are clueless about where they stand financially. There is Beverly, a professional woman,
More informationIn Debt. Dealing with your creditors
In Debt Dealing with your creditors 0 This guide has been produced by the Insolvency Service with the help and support of the IVA Standing Committee. The Insolvency Service would like to thank the members
More informationa SUPPLEMENT to Learn About Money Personal Budgets YOUR MONEY
a SUPPLEMENT to Learn About Money Personal Budgets YOUR MONEY PB A Supplement to Learn About Money Personal Budgets Managing your money Section 1: How to plan your money 1.1 What are the benefits of preparing
More informationYour Money Matters! Financial Literacy Teacher Guide. Thanks to TD for helping us bring this resource to schools for free.
Your Money Matters! Financial Literacy Teacher Guide 2 Table of Contents: Introduction...3 Toronto Star epaper...4 Financial Awareness Inventory...5 SPENDING To Spend or Not to Spend Activity...6 I Need
More informationManaging debt. It s easy to get into, harder to get out. Inside... debt. Think before you borrow. Know your options. Make a debt repayment plan
debt Managing debt It s easy to get into, harder to get out. Inside... Think before you borrow Know your options Make a debt repayment plan brought to you by the retirement commission Think before you
More informationC.A.L.M. 20 Unscheduled. Unit 5
C.A.L.M. 20 Unscheduled Unit 5 Independent Living Name: Unit 5 Independent Living Complete all parts of this unit on the assignment sheets provided. Assignment 1 Values and guiding principles for independent
More informationDebt: The Good, The Bad, & The Ugly EPISODE # 402
Debt: The Good, The Bad, & The Ugly EPISODE # 402 LESSON LEVEL Grades 6-8 KEY TOPICS Debt management Budgets Compound interest LEARNING OBJECTIVES 1. Understand different types of debt. 2. Learn how budgets
More informationKeeping Score: Why Credit Matters
Keeping Score: Why Credit Matters LESSON 6: TEACHERS GUIDE In the middle of a championship football game, keeping score is the norm. But when it comes to life, many young adults don t realize how important
More informationTayna, 14, student, London. Fairtrade Town schools guide
RAISING AWARENESS Learning about trade justice means young people understand how their actions can affect others and how their decisions and voice can make a difference. Young people are inspiring to work
More informationwww.citizenshipteacher.co.uk 2011 16228 1
The stock market www.citizenshipteacher.co.uk 2011 16228 1 Lesson objectives I will understand what a stock market is. I will identify what caused the downturn in the American Stock Market. www.citizenshipteacher.co.uk
More informationYou can afford. The true cost of full time higher education study in England from 2012 STUDENT GUIDE
You can afford to go to Uni The true cost of full time higher education study in England from 2012 STUDENT GUIDE The information in this guide is for full-time students starting a higher education course
More informationChapter Three: Income and Careers
Chapter Three: Income and Careers Chapter Learning Objectives 1. Recognize how personal choices, education, training, and other factors affect future income. 2. Identify sources of income including entrepreneurial
More informationUnit E Why do people use drugs? About the unit. Drug, alcohol and tobacco education guidance at key stage 3. Where the unit fits in
Drug, alcohol and tobacco education guidance at key stage 3 Why do people use drugs? About the unit In this unit, pupils consider the reasons why people choose to use drugs, alcohol and tobacco. They think
More informationChapter Four: Saving and Investing
Chapter Four: Saving and Investing Chapter Learning Objectives 1. Compare advantages and disadvantages of saving early versus saving later. 2. Explain the importance of short-term and long-term saving
More informationHow To Understand Credit Rating And Credit Rating
Keeping Score: Why Credit Matters LESSON 1 Keeping Score: Why Credit Matters LESSON 1: TEACHERS GUIDE In the middle of a football grandfinal, keeping score is the norm. But when it comes to life, many
More informationHow to Stop Your Creditors From Not Making Payments
things to know Helping you understand your debt Your questions answered Some common questions Here are the answers to some frequently asked questions that may arise when dealing with your debt. Creditors
More informationDebt Options Information guide
Debt Options Information guide Debt & Money Advice Support CIC (DMAS CIC) is authorised and regulated by the Financial Conduct Authority FRN: 631799. A company registered in England & Wales 9203918. 1
More informationIt s Not Right! Neighbours, Friends and Families for Older Adults. What You Can Do to Keep Yourself Safe From Abuse
It s Not Right! Neighbours, Friends and Families for Older Adults What You Can Do to Keep Yourself Safe From Abuse Everyone has the right to be safe and free from abuse. No one should experience abuse.
More informationINSIDE: STUDENT FINANCE EXPLAINED MARTIN S BUDGETING TIPS NEW PACKAGE FROM AUTUMN
talking money a parent s guide to student finance in england INSIDE: STUDENT FINANCE EXPLAINED MARTIN S BUDGETING TIPS NEW PACKAGE FROM AUTUMN 2008 Including top tips from TV s money saving expert, Martin
More informationMake your budget work for you
Welfare Reform Make your budget work for you www.milton-keynes.gov.uk/welfare-reform Make your budget work for you Why budget It s always a good idea to keep track of your money. Budgeting is keeping track
More informationThis guide has been produced by the Insolvency Service with the help and support of the IVA Standing Committee. The Insolvency Service would like to
This guide has been produced by the Insolvency Service with the help and support of the IVA Standing Committee. The Insolvency Service would like to thank the members of the IVA Standing Committee for
More informationMoney Talks: Family Finances
Money Talks: Family Finances Hints and tips The hints and tips section provides suggestions and ideas for discussions around issues that might arise from analysing the account statements. JANET AND JOHN
More informationSection: content for the worker and resources A: Introducing household budgets
Overview 1: Household budgets This topic is about preparing and keeping a household budget. It helps your client understand what to put into a household budget and how to track spending. Section: content
More informationWhat is cancer? Teacher notes. Key stage 4/4 TH LEVEL Science lesson plan with links to PSHE
What is cancer? Teacher notes Key stage 4/4 TH LEVEL Science lesson plan with links to PSHE Overview Subjects England: Science (with links to PSHE) Wales: Science (with links to PSE) Scotland: Sciences
More informationTrial Copy. Guidelines for the Finance Coach TRAINING 3: PLANNING. Recommended for pupils in Years 7 to 9 (German school system)
Guidelines for the Finance Coach TRAINING 3: PLANNING Recommended for pupils in Years 7 to 9 (German school system) Duration: Approx. 2 lessons (90 minutes) E-Mail: info@myfinancecoach.de Training 3: Planning/Guidelines
More informationYOUR PERSONAL FINANCIAL PLAN AND FACT FIND
Document name: YOUR PERSONAL FINANCIAL PLAN AND FACT FIND Document date: 2014 Copyright information: Content is made available under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 Licence
More informationBudget to Save The Balance Sheet
Lesson 1 Budget to Save The Balance Sheet Lesson Description This lesson begins with dispelling common myths about millionaires through the interactive Millionaire Quiz. Students then have an opportunity
More informationLiving Debt Free. By Douglas Hoyes. BA, CA, CIRP, CBV, Trustee Co-Founder of
Fresh Start A Concise Guide to Living Debt Free By Douglas Hoyes BA, CA, CIRP, CBV, Trustee Co-Founder of Fresh Start A Concise Guide to Living Debt Free By Douglas Hoyes BA, CA, CIRP, CBV, Trustee Co-Founder,
More informationFACT SHEET: A summary of the rights under the Convention on the Rights of the Child
FACT SHEET: A summary of the rights under the Convention on the Rights of the Child Article 1 (Definition of the child): The Convention defines a 'child' as a person below the age of 18, unless the laws
More informationGame or bike? Movie or shoes? Race ya to the bank! Chocolate sundae with. extra rainbow sprinkles on top?
Game or bike? Chocolate sundae with Movie or shoes? extra rainbow sprinkles on top? One of the best things about having your own money is that you get to decide how to spend it. Whether you get a weekly
More informationCompleting the Personal Budget: Guidelines & Explanation
Preparing a Weekly or Monthly Budget These blank Budget forms are for your own personal use. They are designed to help you calculate the monthly expenditure costs of most items in your budget. You will
More informationSocial Care Support - The Facts You Need to Know
Factsheet What does the Care Act mean for me? Getting social care support under the new law in England This factsheet concentrates on parts of the Care Act which will most affect people who use social
More informationTaking the steps to regain control
Taking the steps to regain control Congratulations! Just reading this means you are taking the most difficult single step in dealing with debt problems facing them head on and finding out what you can
More informationFinancial Literacy for life beyond high school. What you will find in this booklet:
Money Matter$ 9 Financial Literacy for life beyond high school The purpose of this work book is to provide you with some financial knowledge as you prepare to embark on life beyond high school. According
More informationShare Aware Lesson 2 - Lucy
Share Aware Lesson 2 - Lucy Class Key Stage 2 Time 40 mins Date October 2015 Learning Objectives Learning Outcomes Key Vocabulary Resources We are learning about online safety and how to access available
More informationFull-time Guide. You can afford to go to Uni
Full-time Guide You can afford to go to Uni The true cost of full time higher education study in England from 2013 Introduction The information in this guide is for full-time students in England starting
More informationYou can afford to go to Uni
Full-time Guide You can afford to go to Uni The true cost of full time higher education study in England 2014 Introduction The information in this guide is for full-time students in England starting a
More informationGUIDE TO DEALING WITH DEBT
GUIDE TO DEALING WITH DEBT CONTENTS Page 4 Where do I start? Page 5 Do I have to pay? What can I afford to pay? Page 7 Who to pay first? Page 10 What can I afford to pay on my Credit Debts? Page 12 What
More informationTeacher notes Using your Wants and Needs cards
Teacher notes Using your Wants and Needs cards These cards will introduce children and young people to their rights by helping them to consider the difference between a WANT and a NEED. The basic needs
More informationINSURANCE MADE SIMPLE
INSURANCE MADE SIMPLE Working with the profession to simplify the language of insurance UNDERSTANDING INSURANCE Insurance. We hear about it all the time. We buy cover to protect us against a wide range
More informationThe 10 Most Costly Mistakes You Can Make When Selling Your Home
The 10 Most Costly Mistakes You Can Make When Selling Your Home When you are getting ready to put your property on the market, there is a myriad of things to think about, to prepare for and to organize.
More informationKids. and Money. Teaching Children to Manage Their Finances
Kids and Money Teaching Children to Manage Their Finances Set Goals Together It s possible to meet your financial goals whether your income is small, medium or large. Say it out loud It s all in the planning.
More informationFAMILY PROTECTION MADE EASY. A guide to life assurance
FAMILY PROTECTION MADE EASY A guide to life assurance INTRODUCTION Your Health is your Wealth - I genuinely believe that to be true. I work in the A&E Department of a large hospital and every day I see
More informationlesson three budgeting your money teacher s guide
lesson three budgeting your money teacher s guide budgeting your money lesson outline lesson 3 overview I m all out of money, and I won t get paid again until the end of next week! This is a common dilemma
More informationUnit Two Support for Starting a Business - You Are Not Alone
Unit Two Support for Starting a Business - You Are Not Alone Contents Unit Overview 3 Learning and Teaching Activities within this Unit 5 Theme 1 What s the Idea? 6 Theme 2 The Entrepreneur s Experience
More informationDiscurso de investidura como Doctor Honoris Causa del Excmo. Sr. D. Muhammad Yunus
Discurso de investidura como Doctor Honoris Causa del Excmo. Sr. D. Muhammad Yunus 20 de octubre de 2004 I am very grateful to you for giving me this wonderful honour to receive the honourary degree from
More informationWhat is insurance? A guide to help you understand about insurance. By Mencap and Unique Insurance Services. Easy read
What is insurance? A guide to help you understand about insurance By Mencap and Unique Insurance Services Easy read What is insurance? Insurance is a way of guarding against damage or loss of something
More informationOUR PAST THROUGH FILM
OUR PAST THROUGH FILM Watching old footage helps us to learn more about what life was like in the past, and it can also help us access our own memories. This activity pack will help you run some activities
More informationHow To Live In The Uk As A Young Person
Section 4 57 The first move for a young person when considering moving out is to draw up a budget. It will help you work out what kind of accommodation you can realistically afford, not just the rent but
More informationBAINES & ERNST GUIDE TO DEBT MANAGEMENT PLANS
BAINES & ERNST GUIDE TO DEBT MANAGEMENT PLANS Contents 1. Introduction 2. What is a Debt Management Plan? 3. How a Debt Management Plan works 4. Do you qualify for a Debt Management Plan? 5. Other debt
More informationTREKSTOCK FUNDRAISING PACK
TREKSTOCK FUNDRAISING PACK Thank you for choosing to raise money for Trekstock - no matter how big or small, we are extremely grateful for your support. Every penny you raise will help us to provide vital
More information