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It explains the value of financial capability, linking it to real-world decisions, consumer confidence, and long-term wellbeing. 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Page 37  \n4/5  \nMy Money PSHE education Teacher Handbook PSHE education at key stages 3 and 4  \nSection 1: Introduction  \nFinancial 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.  \nThe 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.  \nA 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:  \n• Rising levels of reliance on credit.  \n• Managing the cost of further and higher education.  \n• Part-time employment.  \n• Targeted advertising promoting goods and services.  \n• Financial initiatives including the Educational Maintenance Allowance and Child Trust Fund.  \n• The increased variety and availability of payment options.  \n• E-commerce .  \nResearch 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.  \nThe 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.  \nWhat is financial capability and what is personal finance education?  \nFinancial capability is the abil","cbCaic0ukAIlxYB5","https://ap.wps.com/l/cbCaic0ukAIlxYB5","pdf",488182,"English","# Section 1: Introduction\n## Financial capability and personal finance education\n## What is this handbook for?\n# Section 2: Curriculum","[{\"question\":\"What does financial capability mean in this handbook?\",\"answer\":\"Financial capability is the ability to manage one’s finances and become a confident, questioning, informed consumer of financial services.\"},{\"question\":\"Who is the handbook intended for?\",\"answer\":\"The handbook is for teachers of PSHE education to build personal finance education into schemes of work for key stages 3 and 4 learners.\"},{\"question\":\"What is personal finance education, according to the handbook?\",\"answer\":\"Personal finance education is a planned programme of learning opportunities and experiences designed to increase the financial capability of all pupils.\"}]","My Money - PSHE education Teacher Handbook - Teaching Personal Finance Education at Key Stages 3 and 4 | PDF",1789467569,101]