(Age Group 14/15)
Target Grade: 9
Goal: Equip learners with practical financial skills to manage money wisely, understand banking, and avoid financial pitfalls.
Smart Spending Habits is a practical, self-study module designed to help Grade 9 learners develop essential money management skills. It begins by teaching students the key difference between needs and wants, enabling them to prioritise spending on what truly matters. In addition, learners explore how to evaluate value for money, compare prices, and assess product quality before making a purchase.
Furthermore, the course highlights the dangers of impulse buying and provides strategies to pause, reflect, and make intentional choices. Through practical tips and relatable examples, students discover how mindful spending can help them achieve short-term goals while still saving for the future.
As learners progress, they gain confidence in creating and sticking to a simple budget, setting realistic savings targets, and building healthy financial habits early on. The module also encourages self-reflection, prompting students to think about how their spending aligns with their values and long-term goals.
By the end of this course, learners will have the skills to manage money wisely, avoid common spending traps, and make decisions that support both independence and security. Ultimately, Smart Spending Habits empowers young people to become thoughtful, responsible consumers—laying a strong foundation for financial success in the years ahead.
