Early Career Financial Education

The course covers 5 main modules of personal finance:

Debt and Finance      Budgeting      Buying a Home      
Protection      Savings and Pensions

We believe that getting your finances under control is important before you can think about saving for the future. The modules can be worked through in any order, but there is a natural progression beginning with Debt and Finance. This is because if an individual has problem debts, they won’t be concerned with putting money away for the future when it could be used now to pay off those debts. Similarly, it’s important to learn how to budget your money effectively so that you can money available to pay for the essentials and to save money for the future.

Many young people may also be interested in buying their first home, and our course talks through the process of buying a home and how to manage your finances in relation with that. We also look at Protection and why this is important to consider when planning your finances because an accident or illness can have a huge impact if you don’t have cover in place.

The final module covers saving for the future, with ideas about where to save your money to meet your financial aims. There is also a specific section on pensions to explain how they work and why it is important to save for retirement.

Detailed course coverage:

Debt and Finance

Good debts Vs. Bad debts      Compound interest    

Methods to work your way out of debt    

Priority debts Vs. Non-priority debts    

Explaining your credit score     Accessing finance  


Why we should budget     The psychology of spending  
Your current spending habits     How to tackle overspending    

Creating a plan     Tips on how to save

Buying a Home

The process of buying a home     What you can afford to borrow    

What your credit score means     Help to Buy schemes    

Types of mortgage     Costs     Choosing an adviser


Why protection is important      Types of insurance to consider    

Who needs them and why     What the State could provide you

Savings and Pensions

Why you should think about saving for the future    

Types of savings you could consider     Why save for retirement?    

State Pensions     Other Pensions you may have

Prices (excluding VAT)
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