Money $mart Teens

About the Program

Money Smart Teens is more than just a book. It’s a complete financial literacy program designed for teenagers aged 15–16, equipping them with the knowledge, confidence, and habits to make informed money choices now and into adulthood. Through relatable examples, practical exercises, and reflective activities, the book tackles real-life money topics teens face — from budgeting pocket money or wages to understanding debt, credit, and even the basics of investing.

But the book is only the foundation. With its companion Student Activity & Assessment Pack and Teacher & Parent Guide, Money Smart Teens becomes a ready-to-use programme that can be delivered in schools, explored at home, or used in group learning environments. And best of all — these resources can be downloaded directly from this page.

What’s Included

The full Money Smart Teens programme is built on three essential parts:

1. The Book: Money Smart Teens

Across 18 comprehensive chapters, teens are guided step by step through the essentials of money management: earning income, creating and adapting budgets, distinguishing between needs and wants, recognising debt traps, understanding interest, exploring saving and investing, and linking money choices to wellbeing and personal values. Each chapter combines clear explanations with activities that build independence and financial resilience.

2. The Student Activity & Assessment Pack (Downloadable)

Learning is reinforced with chapter-based worksheets, knowledge checks, and reflection activities. The pack culminates in a comprehensive Final Assessment, helping students consolidate everything they’ve learned across the programme. It also includes certificates of completion, giving teens a sense of achievement as they track their growth.

3. The Teacher & Parent Guide (Downloadable)

This companion guide gives adults the tools to deliver the programme effectively. It includes assessment rubrics, progress and skills checklists, class and individual recording forms, enrichment ideas, and a detailed glossary. It transforms the book and student pack into a structured, classroom-ready curriculum or a flexible resource for parents and youth leaders.

Why Financial Literacy for Teens Matters

Teenagers are at a turning point in their financial journey: earning their first income, making independent spending decisions, and preparing for adult responsibilities like higher education, work, or living on their own. Without guidance, poor money habits can take root quickly and prove difficult to change.

Money Smart Teens steps in during these crucial years, teaching how to:

• Budget and plan ahead.
• Manage debt and avoid credit traps.
• Build savings habits and understand investing basics.
• Link money choices to wellbeing, independence, and long-term goals.

The aim is not just to teach financial “facts” but to shape responsible, confident, and resilient attitudes towards money.

Who Can Use Money Smart Teens?

• The programme was designed with flexibility in mind:
• In schools, it works as a complete financial literacy curriculum or can be integrated into PSHE, economics, business, or life skills lessons.
• At home, parents can guide teens through the book and activities at their own pace, encouraging conversation and reflection.

In group settings such as youth programmes, after-school clubs, or community organisations, the activities spark discussion, teamwork, and real-world application.

Wherever it’s used, the programme adapts to the learner.

The Money Smart Teens Advantage

Unlike resources that only offer theory or isolated activities, Money Smart Teens combines everything:

• A practical, easy-to-read book written for teenagers.
• A comprehensive Student Pack with activities, reflections, and final assessment.
• A Teacher/Parent Guide with all the tools needed to deliver and assess the programme.

Together, these resources create a complete financial literacy pathway that is engaging for teens and practical for adults. And with downloadable access to the Student Pack and Teacher/Parent Guide, you can start building financial confidence today with no additional preparation.

Ready to Begin?

With Money Smart Teens, you’re not just teaching financial literacy — you’re empowering the next generation to step into adulthood with independence, resilience, and confidence.

Download the Student Activity & Assessment Pack and Teacher & Parent Guide below and order the book to complete your programme.

Financial literacy is one of the most valuable lessons a teenager can learn. Let’s make sure they learn it before it matters most.