My Money - PSHE education Teacher Handbook - Teaching Personal Finance Education at Key Stages 3 and 4

Sep 15, 2026

Uploaded by Melati

A teacher-focused handbook that supports delivering personal finance education within PSHE education for key stages 3 and 4. It explains the value of financial capability, linking it to real-world decisions, consumer confidence, and long-term wellbeing. The guidance outlines curriculum structure, learning aims and objectives, teaching and learning strategies, practical activities, cross-curricular approaches, and ways to work with parents and carers to strengthen pupils’ understanding.

LanguageEnglish

CategoryExam

FormatPDF

Pages40

Reading Time1 h 41 min

AccessFree to download

Section 1: Introduction

Financial capability and personal finance education

What is this handbook for?

Section 2: Curriculum

My Money PSHE education Teacher Handbook Teaching Personal Finance Education in PSHE education at key stages 3 and 4 2/3 My Money PSHE education Teacher Handbook PSHE education at key stages 3 and 4 Contents Section 1: Introduction – personal finance education in context and the aims ofthis booklet Page 4 Section 2: Curriculum – an outline for financial capability in the new secondary curriculum Page 6 for PSHE education and beyond Section 3: Curriculum aims and objectives – clarifying learning objectives, relating concepts Page 7 to themes and learning experiences relevant to pupils’ lives Section 4: Teaching and learning – a range of strategies and ideas to plan and deliver personal Page 14 finance education learning objectives through PSHE education Section 5: Activities and opportunities – practical suggestions of a range of activities Page 24 to support different learning styles, ability levels, and schools Section 6: Cross–curricular activities – ideas to raise awareness and enthusiasm Page 28 for personal finance education throughout the whole school Section 7: Working with parents and carers – keeping parents informed of what their Page 30 children are learning about personal finance and ideas on how parents can aid their children’s understanding Section 8: Further information – links to and comments on other resources and websites Page 33 for developing knowledge of pupils, teachers and parents Appendix 1: The programme of study for economic wellbeing and financial capability Page 34 key stages 3 and 4. Appendix 2: Creating a personal finance education development plan checklist. Page 37 4/5 My Money PSHE education Teacher Handbook PSHE education at key stages 3 and 4 Section 1: Introduction Financial capability is an increasingly important skill in our society. Levels of debt and insolvency in the UK are atan all-time high and there is a growing reluctance among young people in particular to save for the future. At the same time people are faced with a vast array of financial products and services and are required to make complex decisions that will have significant consequences for their future wellbeing. The aim of this handbook is to give teachers practical help in equipping pupils with a solid understanding of money and all that is associated with it. A 2008 survey carried out by pfeg (the Personal Finance Education Group) found that 97% of 536 secondary teachers thought that teaching personal finance education in schools is important. Providing personal finance education from an early age not only equips pupils with a basic understanding of money but it also helps to address a number of issues which particularly affect young people such as: • Rising levels of reliance on credit. • Managing the cost of further and higher education. • Part-time employment. • Targeted advertising promoting goods and services. • Financial initiatives including the Educational Maintenance Allowance and Child Trust Fund. • The increased variety and availability of payment options. • E-commerce . Research by the Financial Services Authority has also shown the existence of a financial divide between different sections of society. People with few formal qualifications along with those not in education, training or employment often have a poor understanding of personal finance. This lack of financial capability among many adults creates a barrier which prevents them benefiting from basic financial services such as bank accounts. Other studies suggest that personal finance education also fosters the development of enterprise skills and has a significant impact on future prosperity. The aim of this handbook is to give teachers practical help in tackling these imbalances by equipping all pupils with a solid understanding of money and all that is associated with it. What is financial capability and what is personal finance education? Financial capability is the abil

FAQs

What does financial capability mean in this handbook?

Financial capability is the ability to manage one’s finances and become a confident, questioning, informed consumer of financial services.

Who is the handbook intended for?

The handbook is for teachers of PSHE education to build personal finance education into schemes of work for key stages 3 and 4 learners.

What is personal finance education, according to the handbook?

Personal finance education is a planned programme of learning opportunities and experiences designed to increase the financial capability of all pupils.

Sep 15, 2026

Uploaded by Melati