PlannerPath
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

1

Module 1 — 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"
2

Module 2 — Money Fundamentals

  • What money is and how it flows
  • Banks, accounts, and digital money
  • Needs vs wants
Outcome: Students build their first personal budget
3

Module 3 — Saving & Behaviour

  • The psychology of spending
  • Short-term vs long-term thinking
  • Goal-based saving
Outcome: Each student sets a 3-month savings goal
4

Module 4 — 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
5

Module 5 — 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

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.

Roadmap

What We Want to Achieve

1

Pilot (next 3–6 months)

  • 50–100 students
  • 1–2 schools
2

Secure 1 Corporate Sponsor

3

Publish Impact Report

4

Scale to 300–500 students

Try It

Ready to Try It?

Work through all 5 modules in our interactive UK financial literacy simulation — built especially for ages 11–15.

Start the Simulation