MODULE 3 · Ages 12–14
Pocket money, goals and tracking your spending.
A simple budget: 50% needs, 30% wants, 20% savings. Adjust the split for your own goals.
A SMART goal is Specific, Measurable, Achievable, Relevant and Time-bound. Example: 'Save £60 for headphones in 3 months.'
5 questions covering the whole module
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