For teachers
Lesson sheets — financial literacy from age 6
For each of the 28 modules in English there is a lesson sheet of one or two A4 pages: the aim, a part for ages 6–7 with a game, questions for the class at three levels, a 45-minute plan and the tools — a calculator and the open test with class codes. Free, no sign-up. Where a module describes laws, it gives the EU rule, an example from Bulgaria and what to check in your own country.
How to use them
- Choose the module that fits the topic of the lesson.
- Print the sheet — the “Print this sheet” button or Ctrl+P. The menu and the forms are not printed.
- Take the part for the level of the class: ages 6–7, child (6–12), teenager (13–17), adult.
- To finish — the open test: everyone writes down only their code; paste the class codes and see the distribution. The codes are the same in Bulgarian and in English.
Global Money Week
The sheets also suit Global Money Week, run by the OECD every year in March — one module a day, or one topic for the whole school.
Rules in class
- No personal data of pupils — the test and the games work without names.
- Children under 14 — with a teacher or a parent.
- No labels and no comparing individual pupils; worrying about money is a job for adults, not children.
- Knowledge, not financial advice — and no product recommendations.
The modules
Block I · How money works
- 1 · History of money
- 2 · Currencies and backing
- 3 · Assets and cash equivalents
- 4 · The mechanics of money
- 21 · Payments and purchases — cards, online, transfers, currency, fees
- 26 · The bank and financial products — accounts, deposits, deposit guarantee
- 6 · Alternatives to money — mutual credit, time banks, local currencies, gifts
Block II · The mathematics of money
Block III · Cash flow
- 8 · The iron principles of cash flow
- 9 · Managing cash flow — with the tool
- 22 · Credit — types, annual percentage rate of charge (APR), mortgages, credit history
- 20 · Income — pay, social security contributions, gross and net, benefits
- 10 · The five cash flows
- 11 · Flow 5: projects and public funds
- 27 · Taxes and public spending
- 18 · Flow 3 — the small business: price, break-even point and cash flows
- 19 · The social enterprise — a business with a purpose
Block IV · Security
Block V · People and money
- 13 · Values and rules for life
- 14 · The psychology of money
- 15 · Life strategies by stage
- 25 · Pensions — the three pillars
- 16 · Where to reinvest — real value
- 24 · Investing: the basics — risk, return, allocation
- 29 · Sustainable finance and "green" claims