Postgraduate Certificate in Money Education for Pre-Teens

• Understanding Money Basics & Financial Literacy: This unit will cover the fundamental concepts of money, such as its purpose, types, and how to manage it effectively. It will also introduce students to financial literacy and its importance in personal finance. • Budgeting & Saving Techniques: In this unit, students will learn about budgeting methods, creating a spending plan, and the importance of saving money. They will also explore different savings techniques, such as setting financial goals and understanding interest rates. • Banking & Financial Services: This unit will cover various banking services, including checking and savings accounts, debit and credit cards, and online banking. Students will learn about the role of financial institutions, how to choose a bank, and how to use banking services wisely. • Credit & Debt Management: In this unit, students will learn about credit scores, how to build and maintain good credit, and the dangers of debt. They will also explore strategies for paying off debt and avoiding common pitfalls. • Entrepreneurship & Financial Responsibility: This unit will introduce students to the concept of entrepreneurship and the financial responsibilities that come with starting and running a business. Students will learn about business finances, financial statements, and how to make informed financial decisions. • Investing for the Future: In this unit, students will learn about the basics of investing, including stocks, bonds, and mutual funds. They will also explore different investment strategies, such as diversification and long-term planning, and the risks and rewards associated with investing. • Financial Planning & Goal Setting: This unit will cover the importance of financial planning and setting financial goals. Students will learn how to create a financial plan, prioritize financial goals, and track progress over time. • Insurance & Risk Management: In this unit, students will learn about different types of insurance, such as health, auto, and homeowners insurance. They will also explore the concept of risk management and how to protect themselves from financial risks. • Taxes & Tax Planning: This unit will cover the basics of taxes, including income tax, sales tax, and property tax. Students will learn about tax planning strategies, such as deductions and credits, and how to file taxes accurately and on time