First Earnings
- What work is allowed under UK law (ages 13–15)
- How young people can earn safely (dog walking, small jobs)
- Understanding effort → income
Outcome: Students complete a “First Earnings Plan”
Early-intervention programme
PlannerPath Foundations™
A national financial literacy programme equipping young people aged 11–15 with the knowledge, habits, and confidence to make informed financial decisions for life.
Programme mission
To close the financial literacy gap before it begins.
Ensuring every young person understands how to earn, manage, and protect money before entering adulthood.
Curriculum
Programme structure.
Money Fundamentals
- What money is and how it flows
- Banks, accounts, and digital money
- Needs vs wants
Outcome: Students build their first personal budget
Saving & Behaviour
- The psychology of spending
- Short-term vs long-term thinking
- Goal-based saving
Outcome: Each student sets a 3-month savings goal
The Truth About Debt
- What borrowing really means
- How interest works (simple examples)
- Why credit cards can trap people
Outcome: Students explain (in their own words) how debt grows
Future Mindset
- How money grows over time
- Introduction to long-term thinking
- Linking skills → income → opportunity
Outcome: Students create a “Future Money Map”
Outcomes
Measurable impact.
We track:
- % of students who understand basic budgeting (pre vs post)
- % who start saving within 30 days
- Average increase in financial confidence (self-assessed)
- Number of students completing all modules
- Engagement from underserved backgrounds
Delivery
How the programme reaches students.
Delivery model
- Schools (primary channel)
- Community organisations / charities
- Corporate-sponsored cohorts
Safeguarding & compliance
- Fully aligned with UK child employment rules
- No promotion of financial products
- Age-appropriate, risk-free education
- Parent-facing transparency
We are NOT
- ✕ A finance course
- ✕ A trading programme
- ✕ A “get rich” scheme
We ARE
An early life-skills intervention programme focused on financial understanding and long-term decision-making.
Bring Foundations to your community
Schools, charities and corporate sponsors welcome.
If you’d like to bring PlannerPath Foundations to your school, community organisation, or as a corporate-sponsored cohort, we’d like to talk.