First financial education textbook to be released in schools in Scotland, Wales and Northern Ireland, funded by Martin


What will the manual cover?

Your money matters aims to support the financial capacity of people aged 14 to 16, but the reality is that it has been used in several groups of years and in a wide range of fields. It covers savings, interest, money, mental health, budgeting, debt, APR, student finances, apprenticeships, income, taxes, pensions, gambling, investments, identity theft, fraud and more.

Since being taught in all state-funded secondary schools in England, 89% of teachers said that Your money matters improve the quality of financial education in their schools. Additionally, 88% of teachers said the textbook would increase their confidence in delivering financial education.

The instructional manual contains facts and information as well as interactive activities and questions for students to apply their knowledge. The chapters are as follows:

1. Savings – ways to save, interest, money and sanity
2. Getting the most from your money – budgeting, monitoring your budget, payment methods, optimization of resources, expenses
3. Loan – debt, APR, loan products, unmanageable debt
4. After school, the world of work student finances, apprenticeships, income, taxes, pensions, benefits
5. Risk and reward – investments, games of chance, insurance
6. Security and fraud – identity theft, online fraud, money mules

While the main financial topics will largely remain the same, a review in each country – consisting of focus groups with teachers and decentralized government officials for education – is underway to identify the changes required. This will ensure that each country’s textbook matches the respective curriculum, while taking into account the specific needs and financial legislation of each country.

Once completed, up to 75 copies will be delivered free of charge to every high school in every country. 12,000 copies will be deployed in Northern Ireland by January 2021, 21,500 will be deployed to schools in Scotland by March 2021 and 12,500 will be delivered to Welsh schools by September 2021.


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