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12–15 Years | Building Healthy Money Habits

Around this age, pocket money starts. Money transactions begin and quietly without anyone deciding it on purpose, habits start forming. Those habits tend to stick. 

We introduce practical money skills in a way that connects with the decisions young people are already making today.

What they will learn

1. Understand Money - What money is, how it is earned and why it has value. 

2. Needs, Wants and Choices - Distinguish between things they need, want and things they can choose to delay.

3. Saving with a Purpose - Understand why people save and how small amounts can contribute towards meaningful goals.

4. Budgeting Basics - Introduce simple ways to plan how money will be used. 

5. Financial Goals - Turning something they want into a specific and achievable savings goal.

6. Smart Spending - Think before spending and understand the consequences of financial choices. 

7. Peer Pressure and Money - Understand how friends, trends and social expectations can influence spending.

8. Introduction to Entrepreneurship - Help young people see opportunities to create value.


The outcome

After the training participants will be able to:
  • Make thoughtful spending choices
  • Create simple savings goals
  • Understand needs versus wants
  • Plan on how money will be used
  • Recognise financial peer pressure
  • Think creatively about creating value


Target audience

  • Young people who are beginning to make more independent choices about money 
  • Parents / guardians and families
  • Schools and youth programmes
  • Organisations supporting young people

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