Module 5

How to protect my financial future

This content is suitable for: 15-16 year olds

The Module 5 curriculum addresses how people earn money, and what to do with it once it’s yours. The sessions start with payslips and salaries, before moving to saving and investing.

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Sessions

Take Home Pay

Session 1

This session explains what is included in a payslip. Students also explore and calculate income tax for different salary bands.

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Budgeting

Session 2

Students will understand the purpose of budgeting and complete a practical exercise to apply a budgeting framework to needs, wants and future spending.

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Saving Accounts

Session 3

Students explore different ways to save and delve into what a savings account constitutes, applying learning to scenarios.

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Investing

Session 4

This lesson explores key investment concepts (risk vs reward, diversification and compound interest) with students applying their knowledge to advise.

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Insurance

Session 5

Students learn how risk relates to insurance, before exploring different types of insurance and applying learning to decision-making activities.

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Decision Making: Making Investment Game

Session 6

Students take on the role of a financial advisor making investment decisions for their character. They then learn how different factors affect investments through a simulation activity.

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The Teacher Toolkit is a practical guide to help you confidently deliver financial literacy sessions using the full resource pack. It offers expert advice — including from nasen — on accessibility, managing sensitive topics, and creating a safe, inclusive classroom environment.

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