MoneySense for Schools has received the pfeg quality mark and a Big Tick by Business in the Community.

Easy to deliver, free resources for schools covering content from the Curriculum for Excellence.

MoneySense for Schools is an impartial personal finance education programme. Since 2005 the programme has reached over 2.5 million young people in 71% of secondary schools. The programme’s innovative website has been developed with input from teachers and students, and offers a variety of content to engage students and promote discussion, including:

interactive activities, quizzes and case studies

a daily newsfeed with topical stories about personal finance

student testimonials and drama videos

downloadable fact files and activity sheets

supporting teachers’ notes, lesson plans and curriculum links

a student tracking system so teachers can set up lesson packages and monitor their students’ progress.

If you are looking for impartial, ready-made resources or just videos and activities to integrate as part of your own lesson plans, you will find what you need on the MoneySense for Schools website.

Award-winning financial education resourcesrbs.co.uk/moneysenseforschools

Register onlineRegistering is free and allows teachers access to lots of extra features including:

• in-depth teachers’ notes

• student tracking system

• regular email updates about the programme.

Teachers’ notesOnce logged in, teachers have access to a range of extra information and guidance embedded on the site to help them deliver the best possible experience to their students.These include:• ideas for delivering both a long and short lesson for

each topic with differentiation suggestions• learning objectives for each activity • curriculum links.

Student tracking systemBy registering, teachers can:

• set up their own bespoke courses

• assign those courses to their students

• track their students’ progress through the course.

This allows immediate differentiation in a class, as different courses can be assigned depending on students’ ability.

The system is ideal for sessions in a computer lab or for setting homework. Students can work in a secure, safe system and no personal student details are captured on the site.

Curriculum linksThe MoneySense for Schools programme provides an exciting way to deliver the curriculum. Each module has detailed curriculum links which are available online. Subject areas covered include:• Health and wellbeing across learning• Financial education• Maths• Social studies• Enterprise

rbs.co.uk/moneysenseforschools

The MoneySense for Schools programme is easy to deliver by all teachers – you don’t need to be a financial expert! The site has a variety of stimulating materials to keep students interested, from short video clips of young people discussing their attitudes to money to interactive activities simulating real-life decisions that they’ll have to make about money.

Support for teachersrbs.co.uk/moneysenseforschools

Here’s an example of how the MoneySense for Schools resources might be used in a lesson. This lesson looks at the ‘financial services’ topic within the Managing your money module but there are lots more lesson ideas, all with supporting material. To access this extra content, register on the website (see overleaf for more information on registering on the site).

1. Getting startedDiscussion:

Take a look at the daily newsfeed on the homepage for topical news stories that could be used as discussion prompts.

Has anyone ever paid for anything without using cash? What method did they use?

Has anyone ever received a payment of any kind which wasn’t cash?

2. What do you think? Video clip

3. Branch services interactiveAsk the students to explore the different areas of the branch and find out about the different services available.

4. Financial services quizAsk the students to work through the online quiz to test their understanding of what’s been covered in the lesson.

5. Rounding offReturn to the screen showing the bank branch and ask the students to indicate where they would go to do the following:

You are going on holiday and need some euros (currency exchange)

You want to open a bank account (customer services)

You want to pay a gas bill (counter services or paying-in machine)

You want to find out about travel insurance (information leaflet or customer services)

There’s a queue at counter services and you have a cheque to pay in (paying-in machine)

You want to withdraw money from your account (cash withdrawal machine)

Financial services

Why RBS is working with schoolsWe believe that by the time a young person leaves school they should be confident about managing their money and be prepared for future financial decisions. The MoneySense for Schools programme offers us:

• the opportunity to make a worthwhile contribution to our local communities

• opportunities for personal development of our employees through working with students, tutors and teachers

• first-hand knowledge of developments in education and what students expect from banks.

We have a strong interest in promoting higher levels of financial capability. Financially capable people understand the need for personal budgeting and are more in control of their finances.

MoneySense Coaches RBS also provides MoneySense Coaches who assist teachers with lesson plans and in getting the most out of the materials available. If you would like to speak to a Coach in your area, email us at moneysense@education.co.uk or phone us on 0800 912 0870.

MoneySense Research Panel The RBS MoneySense Research Panel is a five-year independent study into young people’s behaviours and attitudes towards money. Over 12,000 12-19-year-olds took part in the most recent stage of the survey. The findings showed that MoneySense for Schools lessons have had a direct and positive impact on young people’s attitudes and behaviors towards money. For more information go to www.rbs.com/moneysenseresearch

Contact usIf you have any queries about the programme please call the helpline on 0800 912 0870 (open 8am-6pm Monday to Friday) or email us at moneysense@education.co.uk.

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The MoneySense for Schools website has four modules which take students through managing their money, understanding credit and debt, preparing to live independently, and discovering the financial matters involved in business. All four modules use case studies of young people to bring the activities to life and can be delivered on an interactive whiteboard.

rbs.co.uk/moneysenseforschools rbs.co.uk/moneysenseforschools

Managing your moneyManaging your money helps students get to grips with banking and budgeting. Students can work through the interactive activities which include a virtual tour of a typical bank and understanding a bank statement. There are also a number of budgeting exercises, including ‘Budgeting for a holiday’ and the ‘Budget tool’.

Planning your future Planning your future asks students to make budgeting decisions on behalf of young people going into higher education, work and training, with an emphasis on Maths.

The module covers budgeting, saving options, understanding payslips, mortgages, salary expectations and the financial implications of different life choices students may make in the future.

Credit worthyCredit worthy uses relevant, up-to-date examples and topics to examine the pros and cons of borrowing, debt management and credit checking. The module helps students understand the costs and financial decisions related to independent living.

Throughout Credit worthy, students can work through interactive case studies and find out how different types of borrowing vary in cost.

You’re in business You’re in business introduces students to the skills and attitudes required when entering the world of work. The module covers the basic ethos of working life: going for a job; working in an organisation; freelancing and running your own business. Students can identify their skills, assign themselves business roles and, in teams, plan the launch of a new company. The module delivers Enterprise in a fun and interesting way and develops team work, communication and problem solving.

In the ‘Tendering for a contract’ activity opposite, students can tender for a dinner for 100 guests or a school trip to New York. Two delivery models provide the option to deliver sessions through four to five lessons or a whole-day Enterprise event.

Across the site, each topic has a ‘What do you think?’ video of young people talking about the subject. In the film below, young people discuss how they feel about money lending: who they think can lend money and what the implications are.

In the interactive activity shown below, students can explore a virtual branch to find out about different services generally available in banks. They can practise using a cash withdrawal machine and a paying-in machine, as well as filling in a paying-in slip.

In the activity shown below, students can assign life, career and financial choices to different life stages to create their own ‘Rough guide to your life’. Each category gives information about the financial implications of potential choices.

StartersSoup(chooseyourflavour) 25p(breadisextra–seebelow)Cold meat or seafood 40pPaté and toast 30p

Main coursesBeef in a rich onion gravy £3.20Pork in a cream and mustard sauce £2.50Chicken in a creamy cheese sauce £2.20Salmon with butter sauce £2.60Vegetable bake, tomato and cheese sauces £1.80Pasta with cheese, tomato or vegetable sauce £1.50Pasta with a meat sauce £2.00

VegetablesVegetableselection(peas,carrots,broccoli,cauliflower) 35pSpecial vegetable selection (asparagus, mangetout, baby 50p carrots, baby sweetcorn)

StarchesPotatoes or couscous 20pRice or pasta 10p

CheeseEnglish cheese selection 20pFrench cheese selection 30p

BreadsBread roll 15pGarlic bread 20pCheese biscuits 15p

DessertsCreamdessert(suchasatrifle) 30pCake or gateau and sauce 40pFruit salad and cream or sauce 50p

DrinksAll costs except tea / coffee are per bottle.Standard red / white wine £3.00Quality red / white wine £6.00Fruit juice £2.00Bottled water (still or sparkling) £1.50 (or choose tap water)Coffee or tea and mint biscuit 40p

Words in pink can be found in the glossary: rbsmoneysense.co.uk/schools/students/glossaryTo visit MoneySense for Schools go to: rbsmoneysense.co.uk/schools

You’re in business

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Tendering for a contract Consultant - catering