The program
One practical, story-driven session in your school, then a short check-in every month and a fuller review every quarter. Simple language, real examples and no jargon.
What students learn
Plan for bills and commitments before discretionary spending.
The money that has to go somewhere first — phone bills, transport, board, the stuff that keeps life running. Students learn to set it aside before the fun starts, so the fun doesn't cost them later.
Set a spending limit and pause before buying.
Fun money is meant to be spent — that's the point. The skill is deciding how much ahead of time, and using the 24-hour rule before buying something you don't need.
Set a goal and save regularly towards it.
A car, a trip, a first rental bond. Students pick something real, put a number on it and start putting money aside regularly — even when it's a small amount.
Understand super and long-term saving.
Super feels a lifetime away at sixteen. We make it make sense — what it is, where it shows up on a payslip and why paying attention now matters later.
Choose whether to help someone or support a cause.
Money can do good. Students think about whether, and how, they'd like to use some of theirs to help someone else. It's always a choice, never an expectation.
The check-ins also track hope, price comparison and informed debt decisions. They never require students to invest or donate.
The student follow-up calendar
StudentsBaseline check-in, using the same core questions as each quarterly review
SchoolAllow about 4 minutes in class
StudentsFour-question Money Check-In, plus one chosen next step
SchoolAllow about 60–90 seconds; send a reminder
StudentsQuarterly review replaces that month’s short check-in
SchoolAllow about 4 minutes; review the cohort report
StudentsChoose the next money habit to practise
SchoolReinforce the biggest gap or barrier
Use school devices or paper as well as a QR code. We align collection with your term dates. No personal phone or app download required.
Monthly Money Check-In
Covers the last 30 days and takes about a minute. The first three questions match the quarterly review, so every answer adds to the same picture.
Try the student check-inIn how many of the last four weeks did you put money aside for a future goal?
When you had money to manage, how often did you set aside what you needed for your own bills or commitments before spending on fun?
When you wanted to buy something you did not need, how often did you wait at least 24 hours before deciding?
What money step would you like to try before the next check-in?
12-Month Student Money Check-In
Measuring real behaviour change, not just what students remember from a session.
Same 12 questions at every check-in. Response options and exact student wording are in the facilitator and reporting guide.