Money Skills for Life — Lesson Plan
KS2–KS4 (ages 9–16) · 55 minutes
Learning objectives
- • Explain why an emergency pot comes before any trading.
- • Describe compounding with a worked example.
- • Identify the warning signs of a money scam.
Key vocabulary
savings · emergency fund · compounding · scam · pressure
Starter
Seed and pot: show ÂŁ100 growing 5% three times and ask pupils to predict the total.
Main activities
15 min
Read the saving and compounding lessons; work the maths on the board.
20 min
Pupils complete the module lessons and quizzes.
15 min
Scam-spotting carousel: six adverts, pupils label safe or scam and give a reason.
Discussion questions
- • Why do scams use urgency?
- • What money should never be traded?
Assessment
- • Correctly identifies at least five of six scam examples.
- • Quiz average 70%+.
Homework
Write three questions you would ask before ever sending money to an online offer.
Safety note
Signpost pupils to a trusted adult and school safeguarding routes for real-world money worries.
Lessons in this module
1. Saving Before Trading
Never trade money you need — only money you could lose without your life changing.
Open lesson2. How Compounding Grows
Compounding rewards patience — steady growth on a surviving account beats one big gamble.
Open lesson3. Spotting Money Scams
Guaranteed returns and urgency are the two clearest signs of a scam.
Open lesson