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Fact and Work sheets

You can click on a link below to take you directly to the information for that age group:

 Fact sheets 12 to 14 

FA1 - Earning Money:
Information about the factors that influence how much a person is paid, salaries and wages, gross and net pay, Income Tax and National Insurance.

FA2 - Benefits:
Information about different types of benefits and financial support (e.g. State Pension, Employment Support Allowance, Carer's Allowance), as well as support for students and Youth Funds.

FA3 - Careers:
Advice about choosing a career, information about forms of employment (employment, self-employment and voluntary/unpaid work) and a list of desirable work skills.

FB1 to FB4 - Forms of Payment:
Information and advice about using the following:
FB1 - Cash and cheques.
FB2 - Cash cards, travellers' cheques and debit cards.
FB3 - Credit cards and store cards.
FB4 - Direct debits and standing orders.

FB5 - Currencies and Exchange Rates:
Information about what exchange rates are, how this relates to holiday money, and examples of different world currencies.

FB6 - Financial Services:
Information about savings accounts, mortgages, insurance, investments, loans, grants.

FB7 - Financial Organisations:
Information about the places that financial services can be obtained (building societies, banks, post offices).

FB8 - Personal Finance Documents:
Brief descriptions of financial documents (e.g. ATM receipts, bills, budget sheets, bank/building society statements, payslips). You can also download examples of a budget sheet , bank statement  and mobile phone bill as used in the Finance Finder game.

FB9 - Budgeting:
Overview of what budgeting is and how a budget can be balanced.

FB10 - Money Saving Tips:
Tips for cutting costs and saving money in everyday life.

FC1 - Business and the Economy:
Summary of how the economy functions, information about starting a business and how businesses are funded by investments.

FC2 - The Credit Crunch:
Overview of what the 'credit crunch' is, how it started and how it has affected the UK.

FC3 - Risk and Return:
Information about situations that involve financial risk (lending/borrowing money, fluctuating interest rates, investing, gambling and deciding whether or not to take out insurance).

FD1 - Charities and Ethical Shopping:
Information about charities and how to be an ethical shopper.

FD2 - Taxation:
Information about local and national taxation and how this money is spent.

Glossary:
A comprehensive list of financial words with clear and concise definitions.

 Work sheets 12 to 14 

Teachers, Finance section - Fact sheet 12-14, WA1 - Earning Money WA1 - Earning Money: Comprehension questions based on Fact Sheet FA3 - Careers and three activities: investigating different jobs and their wages or salaries, calculating net salaries from gross pay and creating their own job adverts.

Look carefully WA2 - Spending Money: Activities requiring pupils to consider their own short, medium and long-term financial needs and wants; investigating their costs and creating a savings plan to save up for them.

Look carefully 2 WA3 - Money versus Barter Systems: Information about bartering and activities requiring students to consider the advantages and disadvantages of using a bartering system. Includes a creative writing activity on hyperinflation in 1920s Germany.

Pay Packets WA4 - Pay Packets: Case studies showing different jobs. Students are asked to read the description and write down what they think that person earns before researching salary brackets.

Money Maths WB1 - Forms of Payment: Comprehension questions based on Fact Sheets FB1, FB2, FB3 and FB4 - Forms of Payment.

Matching values WB2 - Currency Quiz: Activities relating to world currencies (the information on Fact Sheet FB5 - Currencies and Exchange Rates can be used) and exchange rates.

Matching values WB3 - Personal Finance Documents: Comprehension questions based on Fact Sheet FB8 - Personal Finance Documents. You can also download examples of a budget sheet , bank statement  and mobile phone bill .

Matching values WB4 - Budgeting Activities: Three budgeting activities: considering the wants and needs of a student and prioritising her purchases; thinking about their family's spending habits; and creating a personal savings plan and budget.

Matching values WB5 - Budget Sheet: A blank, simple budget sheet for pupils' use.

Matching values WB6 - Money throughout our Lives: Case studies showing people of different ages with different financial needs. Students choose a case study and write a story exploring the person's income, spending and financial wants and needs.

Matching values WB7 - Money Maths 1 - Perfect Percentages*: Finance-related calculation exercises involving percentages.

Matching values WB8 - Money Maths 2 - Correct Change*: Finance-related maths problems in which students calculate the cost of different purchase and the change to be given.

Matching values WB9 - Money Maths 3 - Balancing Budgets*: Finance-related maths exercise in which students use data to create and total a budget sheet.

Matching values WC1 - Insurance: Information about what insurance is and the purpose of different types, then an activity requiring students to think about why people take out insurance, which might be taken out in different situations and the probability that it will be needed.

Matching values WC2 - Interest Rates: Information about interest rates for savers and borrowers and interest rate fluctuations; activities in which students recommend the best account for three different case studies and investigate accounts in their local area.

* These work sheets have been translated into Welsh. Please click here to access the Welsh versions.

 Fact sheets 14 to 16 

FA1 - Earning Money:14-16 year olds
Information about the factors that influence how much a person is paid, salaries and wages, gross and net pay, and minimum wage.

FA2 - Income Tax and National Insurance:14-16 year olds
Information about what Income Tax and National Insurance are, and why they are taken out of people's pay.

FA3 - Benefits:14-16 year olds
Information about different types of benefits and financial support (e.g. State Pension, Employment Support Allowance, Carer's Allowance), as well as support for students and Youth Funds.

FA4 - Financial Support:14-16 year olds
Information about the State Pension and financial support for students.

FA5 - Careers:14-16 year olds
Advice about choosing a career, information about forms of employment (employment, self-employment and voluntary/unpaid work), and list of desirable work skills.

FA6 - Business Enterprise:14-16 year olds
Information about how to set up a business enterprise including developing an idea, writing a business plan, financing and where to go for advice.

FB1 to FB4 - Forms of Payment:14-16 year olds
Information and advice about using the following:
FB1 - Cash and cheques.
FB2 - Cash cards, travellers' cheques and debit cards.
FB3 - Credit cards and store cards.
FB4 - Direct debits and standing orders.

FB5 - Managing Money Abroad:14-16 year olds
Tips for managing money and keeping it safe when travelling.

FB6 - Personal Finance Documents:14-16 year olds
Brief descriptions of financial documents. You can also download examples of a budget sheet14-16 year olds , bank statement14-16 year olds , mobile phone bill14-16 year olds , credit card statement14-16 year olds  and payslip14-16 year olds as used in the Finance Finder game.

FB7 - Banking Methods:14-16 year olds
Information about building societies and banks, ATMs and other places to bank.

FB8 - Electronic Banking:14-16 year olds
Information about telephone, Internet and PC banking.

FB9 - Money Saving Tips:14-16 year olds
Tips for cutting costs and saving money in everyday life.

FB10 - Tips for Managing Debt:14-16 year olds
Tips suggesting how to stay in control of debt.

FB11 - Budgeting :14-16 year olds
Overview of what budgeting is and how a budget can be balanced.

FC1 - Types of Debt:14-16 year olds
Information about mortgages, loans (secured and unsecured), credit cards, store cards, buying on credit, hire purchase, overdrafts and unexpected expenses.

FC2 - Insurance:14-16 year olds
Information about what insurance is and the different types of insurance.

FC3 - Risk and Return:14-16 year olds
Information about situations that involve financial risk (lending/borrowing money, fluctuating interest rates, investing, gambling and deciding whether or not to take out insurance).

FC4 - Business and the Economy:14-16 year olds
Summary of how the economy functions, information about starting a business and how businesses are funded by investments.

FC5 - The Credit Crunch:14-16 year olds
Overview of what the 'credit crunch' is, how it started and how it has affected the UK.

FD1 - Exchange Rates:14-16 year olds
Information about what exchange rates are and why they fluctuate.

FD2 - Local and National Taxation:14-16 year olds
Information about local and national taxation and how this money is spent.

FD3 - Giving to Charity:14-16 year olds
Information about the different ways that one can give to charity.

FD4 - Ethical Spending:14-16 year olds
Information about the factors that influence our spending and ways we can be ethical consumers.

Glossary:14-16 year olds
A comprehensive list of financial words with clear and concise definitions.

 Work sheets 14 to 16 

Money sayings WA1 - Benefits:14-16 year olds Comprehension questions based on Fact Sheet FA3 - Careers and an activity involving matching case studies to the appropriate benefit.

Business Enterprise WA6 - Business Enterprise:14-16 year olds Activities where students develop an idea for a business and 'pitch' the idea to their classmates.

Money maths WB1 - Forms of Payment:14-16 year olds Comprehension questions based on Fact Sheets FB1 to FB4 - Forms of Payment.

Victorian money challenge WB2 - Budgeting Activities:14-16 year olds Activities in which students organise personal budgets and a budget for an event.

Victorian money challenge WB3 - Budget Sheet:14-16 year olds A blank, simple budget sheet for pupils' use.

Victorian money challenge WB4 - Saving and Borrowing*:14-16 year olds Information about AER and APR and an activity in which students investigate different building society and bank accounts.

Victorian money challenge WB5 - Money throughout our Lives:14-16 year olds Case studies showing people of different ages with different financial needs. Students discuss their financial situation and then think about their own future financial needs.

Victorian money challenge WB6 - Money Maths - Percentages*:14-16 year olds Finance-related calculation exercises involving percentages.

Victorian money challenge WB7 - Money Maths - Compound Interest*:14-16 year olds Calculation exercises involving compound interest.

Standing Order WB8 - Standing Order: Practical activity getting students to complete a blank standing order form and then answer some questions about how it works and why you might use this method of payment.

Victorian money challenge WC1 - Insurance:14-16 year olds Comprehension questions based on Fact Sheet
FC2 - Insurance.

Victorian money challenge WD1 - Exchange Rates:14-16 year olds Activities in which students create a presentation about currency and exchange rates and then perform currency conversions.

Victorian money challenge WD2 - Local and National Taxation:14-16 year olds Activities in which students investigate Local and National Government spending.

Victorian money challenge WD3 - Giving to Charity:14-16 year olds Information about different types of charities and an activity in which students investigate charities.

Victorian money challenge WD4 - Seeking Financial Advice:14-16 year olds Activities in which students consider different sources of financial advice.

Victorian money challenge WD5 - Advertising and Branding:14-16 year olds Information about why people do or don't buy brands and activities in which students investigate brands and advertising.

* These work sheets have been translated into Welsh. Please click here to access the Welsh versions.

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