Introduction

Credit

In this module, you’ll learn how borrowing works, how to avoid problem debt and what to do if you’re feeling overwhelmed.

Transcript

The decision to use credit or take on debt is a personal choice. Using credit might be needed for decisions like investments such as buying a home, paying for tuition fees to study at university or starting a business. Unfortunately, there are times when the need is to cover basic costs. 

There are six bite-sized videos in this series on understanding credit. In these videos, we’ll explain different credit options, show how compound interest works, look at how to build your credit score and share tips on managing repayments.

By the end, you’ll have the knowledge to make borrowing choices that work for you now and in the future. The goal for this series is to give you information about the risks of debt, so you can make choices about your borrowing that align with your needs, wants and future goals.

All Adult Learning Modules

Budgeting

Module 1

5 videos

14 minutes

In this module, you’ll explore how budgeting can help you plan ahead and manage the impact of rising costs.

Woman sitting on a sofa in a bright living room, reading a letter and holding an envelope, with a coffee cup on the table nearby.

Earnings

Module 2

7 videos

16 minutes

In this module, you’ll learn how to understand your pay, spot any issues early and explore the different ways you can increase your income.

Smiling café worker in a striped apron holds a wooden board of sandwiches beside a counter, with customers chatting and coffee and pastries in the background.

Freelance

Module 3

8 videos

29 minutes

In this module, you’ll learn what freelancing involves, from getting paid to managing tax, expenses and day-to-day responsibilities.

Woman wearing glasses works on a laptop at a café table, with a red coffee cup beside her and greenery and large windows in the background.

Pensions

Module 4

9 videos

24 minutes

In this module, you’ll explore how pensions work, from the State Pension to workplace and personal pensions, so you can plan ahead.

Debt

Module 5

7 videos

19 minutes

In this module, you’ll learn how borrowing works, how to manage debt responsibly and where to get help if it becomes hard to handle.

Credit

Module 6

6 videos

21 minutes

In this module, you’ll learn how credit works, different types of credit, how repayments are made and how interest and fees are calculated.

Man sits on a sofa using a laptop while holding a credit card, in a bright living room with white blinds behind him.

Mortgages

Module 7

9 videos

38 minutes

In this module, you’ll learn how home buying works, the factors that shape affordability and how mortgages influence the overall cost.

Couple smiles outside a brick house, holding up new keys, while two children run toward them from the open front door.

Investing

Module 8

8 videos

28 minutes

In this module, you’ll learn how investing works, how to manage risk and how to grow your money over time.

Man with glasses checks his phone at a desk, with an open notebook in front of him and a blurred office background.