Financial education built for real life
Six programmes designed around the actual questions people ask at different life stages.
We've organized our teaching around the moments when financial decisions actually matter. Not abstract theory, but practical skills you can use this month.
Foundation Years (Ages 7-12)
£247.50
The years when money habits form, often without anyone noticing.
Children this age are starting to receive pocket money, birthday cash, small amounts they can control. What they learn now about earning, saving, spending, and giving shapes their relationship with money for decades.
What we cover
- Where money comes from and why it has value
- The difference between wants and needs
- How saving works and why waiting can get you more
- Basic budgeting with real pocket money
- Compound interest explained through examples they understand
- Making choices with limited resources
- The concept of giving and financial generosity
- How banks work and what they do with your money
Eight weekly sessions, one hour each. Runs during term time with materials for parents to reinforce learning at home.
Teen Finance Realities (Ages 13-17)
£395.75
First jobs, student accounts, university decisions looming. Money becomes real, and mistakes start costing actual pounds.
This is when most teenagers get their first bank account, first paycheck, first experience with real financial responsibility. Getting it right early prevents expensive learning curves later.
What we cover
- Opening and managing your first bank account
- Understanding payslips and tax basics
- Student finance: loans, maintenance, repayment reality
- Credit vs debit: when to use what
- Building credit history the right way
- Part-time work rights and responsibilities
- Budgeting actual income and expenses
- Student discounts and money-saving strategies
- Avoiding common financial traps (overdrafts, payday loans)
- What university really costs beyond tuition
- Saving for independence (moving out, travel, gap years)
Twelve weekly sessions, 90 minutes each. Interactive format with real-world scenarios and practical exercises.
Young Adult Foundations (Ages 18-25)
£456.25
Student loans, first real salary, rent deposits, pension auto-enrollment. The financial decisions made in these years echo for decades.
This is when income jumps but so do expenses. When pension contributions start but retirement feels impossibly far away. When investment becomes possible but confusing.
What we cover
- Budgeting your first real salary
- Understanding everything on your payslip
- Rent, bills, and the true cost of independence
- Student loan repayment: how it actually works
- Emergency funds: why and how much
- Pension basics and why starting early matters enormously
- Credit cards: using them intelligently
- Building and maintaining good credit
- Introduction to investing (ISAs, index funds, basics)
- Managing multiple debts strategically
Ten intensive sessions, two hours each. Focused on immediate application and building sustainable habits.
Mid-Life Money Mastery (Ages 26-45)
£578.90
Mortgages, children, career growth, investment diversification, pension optimization. Money gets complicated, and expensive mistakes become more costly.
These are the peak earning years for most people, but also the years of maximum financial complexity. Getting this stage right determines your financial security for life.
What we cover
- Mortgage basics: what you can afford vs what banks will lend
- Property buying process and hidden costs
- Family budgeting with children
- Childcare costs and planning
- Tax-efficient savings and investments
- ISAs, SIPPs, and other investment vehicles
- Pension contributions: optimizing for tax relief
- Investment strategy for different time horizons
- Life insurance and protection needs
- Career progression and salary negotiation
- Balancing present lifestyle with future security
- Estate planning basics
Fourteen comprehensive sessions, two hours each. Deep dives into complex topics with personalized guidance.
Retirement Planning Clarity (Ages 46+)
£523.40
Pension consolidation, drawdown strategies, inheritance planning, downsizing decisions. Making sure the money you've accumulated actually supports the retirement you want.
Retirement isn't one decision. It's hundreds of interconnected choices about when, how much, and in what order to access your money.
What we cover
- State pension: what you'll get and when
- Workplace pension consolidation
- Pension drawdown vs annuity decisions
- Tax-efficient withdrawal strategies
- Investment allocation as you approach retirement
- Healthcare and long-term care planning
- Downsizing: financial implications
- Inheritance tax basics
- Estate planning and will preparation
- Budgeting for retirement income
- Inflation protection strategies
Twelve focused sessions, two hours each. Detailed planning tailored to your specific situation.
Family Financial Workshop
£312.60
Sometimes the whole household needs to understand the same concepts. Parents and children learning together, building shared financial literacy.
Money conversations are easier when everyone speaks the same language. This programme gets families aligned on goals, strategies, and understanding.
What we cover
- Household budgeting everyone can understand
- Setting family financial goals together
- Age-appropriate money conversations
- Teaching children about money practically
- Managing household expenses as a team
- Saving for family goals (holidays, education, house)
Six interactive family sessions, 90 minutes each. Designed for mixed ages with activities for everyone.