Money Matters

Financial literacy skills made easy for students.

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One Planet Challenge, 9th to 19th September

Teacher Toolkit

Deliver this unit with confidence using SBS-backed resources:
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✔ Lesson plans
✔ Discussion prompts & extension activities
✔ Student certificates & digital credentials
✔ Assessment criteria
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Unit Outline

Money Matters helps students decode how money really works – from understanding their first payslip to navigating tax, credit, mortgages, and pensions.

Learners build essential skills in budgeting and income management while exploring the real-world impact of interest and debt. By mastering these habits early, students gain the confidence to take control of their financial future and build long-term independence.

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Themes

Explore key topics in this unit

This unit investigates how money systems work and how to navigate them with confidence.

Everyday Money Mastery
‍Discover the “Latte Effect” and the power of small habits. Learn how to budget, build savings, and make confident financial decisions day-to-day.

The Life Ladder Journey
Demystify major financial milestones. Explore the "renting vs. buying" debate and understand how interest rates, deposits, and credit scores determine the path to homeownership.

Tax & Freelance Fundamentals
Break down how income is taxed, what payslips really mean, and the unique financial responsibilities of being your own boss.

Credit, Debt & Risk
Navigate the pitfalls of modern finance. Understand how debt works, how to protect your credit score, and how to spot risky schemes like unregulated crypto.
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Financial Independence
Plan your future by "starting at 60 and working backwards." Explore how pensions, compound interest, and early planning turn long-term goals into reality.

Learning Objectives

Understand what students will learn

This unit integrates curriculum science with real-world conservation action.

Core Foundations

  • Understand how tax and deductions impact take-home pay.

  • Analyse how income is taxed and how deductions like PAYE and National Insurance fund public services.

  • Evaluate the mechanics of credit, including how interest rates and credit scores impact borrowing power.

  • Compare different employment models – from traditional PAYE roles to the responsibilities of self-employment.

Real-World Applications

  • Interpret payslips and tax codes to identify errors and track take-home income accurately.

  • Build budgets and manage variable income streams.

  • Identify and avoid financial traps, including digital scams, high-interest debt, and "get-rich-quick" schemes.

  • Plan for big goals like homeownership and retirement.

Sample Content

Preview videos from the unit:

Where do taxes go?

How a mortgage really works?

The latte effect

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