Financial literacy At school

The treasury of worldly wisdom is rich in sayings, proverbs and aphorisms that speak about the benefits of both saving and spending money. In conditions, modern economy, in a situation of inflation, our task is to teach children to correctly evaluate financial situation in constantly changing economic conditions, not only for future professional activities, but also within the family.

Youth is a time of great opportunities and important financial decisions. Therefore, it is important to improve financial literacy from an early age, because there will be many important financial decisions ahead in life, an error in making which can even worsen the standard of living and delay important financial goals.

I want to tell you about how it's going financial education in our school.

In order to develop financial literacy of the population, our school annually conducts a “Financial Literacy Lesson among High School Students,” which is taught jointly by social studies and computer science teachers.

As part of the pre-professional training course “Assert Yourself”, classes and business games are held with students on the following topics: aimed at the ability to accept right decisions in conditions of rapidly changing prices and inflation, they learn how to properly survive the economic crisis.

According to the work plan of class teachers and subject teachers, design and research activities are carried out, with the help of which it is explained that finance is a multifaceted concept that includes cash, non-cash monetary resources, and other forms and instruments of funds, as well as - financial relations related to calculations in cash between market subjects.

In accordance with the “Our Hope” program for working with gifted children, classes are held with students during which schoolchildren develop ideas about finance in simple and in clear language; children come to the conscious conclusion that low levels of financial literacy and insufficient understanding of personal finance can lead not only to bankruptcy, but also to poor retirement planning, vulnerability to financial fraud, excessive debt and social problems, including depression and other personal problems.

During class activities, financial tasks are widely used to solve practical problems; for example, when familiarizing themselves with spreadsheets, schoolchildren learn how to calculate the costs of public utilities(electricity, water, gas); learn to plan, forecast and save family budget; make payroll calculations.

In developing financial literacy among students, our school works in close cooperation with other educational institutions in our village, district and city. I would especially like to dwell in detail on the special course on financial literacy, which is conducted at our school for 8th graders according to the program developed by the Volgograd College of Economics and Technology. The course is taught by the teacher of the Gorodishche Center DT Pirmetova E.Yu., using a workbook, students complete various types tasks: tests, surveys, structuring information, filling out diagrams, solving logical tasks, solving crossword puzzles, playing business games, etc. The course consists of 3 modules: “Fundamentals of financial literacy” (32 hours), “Savings and banks” (32 hours), “Entrepreneurship and the basics of financial security” (32 hours), each module is represented by several topics, each topic has its own purpose, the main concepts are structured in a glossary. At the end of the training, children will receive certificates of completion of this course.

On this issue, the school works not only with students, but also with parents at parent-teacher meetings during teacher education classes on the topic: “Financial literacy is the key to family well-being,” at which parents share their experience, meetings are organized with representatives of various financial professions , representatives of Sberbank and the pension fund, are given financial advice parents, for example, such as preventing money theft through SMS spam.

It is explained to parents that they must reveal their income and expenses to their children (if they do not want to do this, they can provide any figures that suit them) in order to learn how to create a family budget. It is proposed to set a certain amount pocket money so that the child can learn to manage his money.

At parent meetings, during teacher education classes, during seminars and workshops, parents and children are offered various informational resources: (slide with links to these resources).

Will these sites help you sort out some questions? Such as: How to make financial decisions? Which loan to choose? Where to invest available funds? Which mortgage option should I use to purchase a home? How to insure yourself, your loved ones and your property?

Information content and thematic sections of the site will help consumers improve their level of financial culture

Books for children and adults:

1. This book is aimed at children aged 7 to 14 years and is designed as a workbook with theory, tasks and a place to complete these tasks. The book addresses not only issues related to the basics of financial literacy, but also important questions motivating a child to study this very financial literacy.

2. This book was written to be read together with parents. It describes the story of a little girl who adopted a dog at home. In order to keep the dog, I had to fight a lot with my parents. The dog turned out to be not simple, he could speak. Moreover:) the dog was financially literate, as he previously lived with a very wealthy businessman.

As the book progresses, the dog helps the girl learn financial literacy from the basics - first earnings, first account, first hired employees and further, studying all the intricacies of financial education...

3. OAn excellent benefit for those who often wonder where their salary went. And, especially for those who rarely do anything about it.The book examines typical scenarios for spending money and managing budgets for families of different incomes. A lot of ways to save money and optimize spending for a variety of needs are described..

4. The book “Financial Literacy” is a textbook on personal finance, which takes into account the achievements of modern financial science.

And others…

“Financial culture in today’s developed and rapidly changing world has become another vital element in the system of skills and rules of behavior. Financial literacy will allow a person not to depend on circumstances, on the will of other people, on the system. An educated person himself will choose those paths in life that will be most attractive to him, creating a material basis for the further development of society.”

Children are our future, and we must give them the basics of financial literacy,

so that tomorrow it will be easier for them to enter adulthood,

and for some - to decide on the choice of a future profession.

Being financially literate today is not only important, but also prestigious. After all, proper management of finances is the sure key to wealth and success!

And I would like to end my speech with the words of Robert Kiyosaki:

"If you think that training is expensive,

try to find out how much ignorance costs."

What exactly will the children be told about during financial literacy lessons and why are they even needed? You will learn about this in this article.

The training programs of the current Russian education system cover almost all spheres of life of a modern person, which ensures high-quality preparation of schoolchildren for adult life. Until recently, the only exception was the practical preparation of students for the current economic conditions, that is financial literacy of children. And this despite the fact that Russia is included in the list of countries with a high level of economic development.

In 2016, this gap in the educational program for schoolchildren was eliminated - financial literacy lessons were introduced in Russian schools, during which children will not only be taught how to handle money carefully, but will also be told how they can and should defend their rights if necessary. What exactly will the children be told about during financial literacy lessons and why are they even needed? You will learn about this in this article.

Why are financial literacy lessons needed?

In September 2016, many Russian schools introduced new item on the development of financial literacy among schoolchildren within the framework of such a subject as social studies. In the future, aspects from the financial literacy course are planned to be introduced into such subjects as mathematics, life safety, geography and history.

Experts are confident that Russian society will learn to quickly respond to changes in economic situation that will have a positive impact on the general well-being, the child should become familiar with the topics monetary currencies and operations with them, saving and maintaining a family budget, gaining financial independence, etc. already at school. Moreover, world practice has shown good results in the development of states through the introduction training programs in the field of money relationships.

The need to introduce financial literacy lessons in schools is also due to the fact that modern children are quite actively buying goods on their own, using plastic cards And mobile applications. That is, they operate from an early age banknotes and are active participants in trade and financial relationships, which requires them to have a certain level of financial literacy.

The main objective of introducing financial literacy training, of course, is the desire to stop the development of an irresponsible attitude towards monetary transactions in general. After all, the majority of the adult population of our country, unfortunately, is still financially illiterate and is not protected in any way in the event of unforeseen circumstances or job loss. Many families do not keep records of expenses and income. And this sadly affects the development of the economy in the sphere of consumption.

Project implementation

In the process of implementation financial literacy lessons In schools, first of all, two main issues were resolved:

• Providing the necessary information - developing textbooks taking into account the age categories of students.
• Preparing teaching staff to teach a new discipline.

To date, the problem of preparing high-quality educational materials has already been successfully solved. A variety of specialists took part in their creation: bankers, teachers, financiers, employees of departments of management and economics, employees of educational authorities and others.

But solving the second issue required much more effort, since it was necessary to organize the training of teaching staff. Teachers had to undergo special courses, where they became acquainted with basics of financial and economic relations and such concepts as:

It is expected that by the end of 2017, more than 15 thousand teachers will be trained in specially created federal and regional methodological centers, who will then teach financial literacy lessons in schools.

Why such complexity and additional burden?

It is difficult to deny the fact that for the social adaptation of children in modern society Schoolchildren need to know about all the mechanisms of relationships and connections. And one of the components is monetary transactions. Having practical knowledge in this area, the child will have a better chance of not getting confused if problems arise during the procedure. monetary transaction and cope with real life situations.

School financial literacy course covers the following concepts and topics:

• drawing up and calculating the family budget;
• monetary transactions in banks and other structures;
• transactions involving risk;
• monetary rewards;
• presence of responsible authorities for financial services;
• personal savings - excess or use;
• subtleties of loans and deposits;
• rights and obligations of participants in financial and economic relations;
• cash flow management;
• aggressive policy of banks;
• assets and liabilities (income and expenses);
• insurance and pension payments;
• availability and safe use plastic cards.

It should be noted that when developing educational materials aimed at covering each topic, the age characteristics of individual groups of schoolchildren were taken into account. For example, for the little ones, information is presented in a playful way, while high school students analyze specific situations and solve them. This approach allowed us to do financial literacy training as accessible as possible to understand, which allows children to avoid making mistakes in adulthood and manage money correctly now.

Expected results

Naturally, to obtain a complete picture of the results, more than one year of work with new program. However, it is already clear that achieving the set goal (that is, eliminating financial illiteracy among the population) is possible only if parents, along with schoolchildren, take a financial literacy course. If only because some topics in the textbook are unfamiliar even to adults and the study school curriculum financial literacy will allow parents to fill gaps in their knowledge.

Experts also note that parental help is invaluable in resolving such issues: how to spend pocket money, how to save for a desired gift, where to buy a high-quality and inexpensive item, how to receive a monetary reward for knowledge (but not for marks in a diary) or encouragement for initiative in help on various matters. In addition, joint education of teachers, schoolchildren and parents will help significantly reduce tension in the consumer sphere.

Every three years, an independent international study of the quality of education of fifteen-year-old schoolchildren is conducted around the world. Four dozen people are participating in this study. developed countries, including Russia. Until 2012, the organizers of the study specialized in reading, mathematical, computer and science literacy, and in 2012 the authors of PISA presented “know-how” - a study of financial literacy, which is rarely discussed in our schools.

Valery Litvinchuk, methodologist of the Autonomous non-profit organization The Youth Development Center (Ekaterinburg) spoke about what lessons can be learned from the PISA results and how to turn financial literacy monitoring into an educational tool.

What is “financial literacy”?

Valery Litvinchuk

methodologist of the ANO "Youth Development Center"

Financial literacy is assessed by PISA in terms of three components: content, cognitive activities and context. Completing the test requires students to be competent in various aspects of financial content, demonstrate various skills, and also navigate various social contexts in which these skills are used.

Firstly, found large differences in financial literacy across participating countries. Moreover, those at the top of the scale are not those countries that have developed financial markets or high GDP. "Rich countries should be concerned that their young people are not well prepared to deal with their countries' financial difficulties." On the other hand, the study showed the following:

Financial literacy “does not come in the milk bottle…”, even if the mother is the wife of an oligarch.

That is, financial literacy does not arise on its own, simply by living in a country with complex financial markets.

Secondly, a serious relationship was found between the child’s financial literacy and the socio-economic status of the family. Lusardi notes, “Differences in financial literacy begin early in life and depend on the student's family. This is an alarming finding and, in my opinion, one of the main reasons why we should be addressing financial literacy in school - to try to create a level playing field."

Our results: Russian schoolchildren learn financial literacy outside of school

So far, there are few participants in the study of financial literacy of schoolchildren - only 18 countries (almost all “developed”), and so far it has only been conducted once. Therefore, it is difficult to draw conclusions about specific countries, but it is still interesting.

The first thing that catches your eye in the report of the Center for Assessment of the Quality of Education of ISIO RAO “Financial literacy of Russian students (according to the results of the international program PISA-2012)” is the correlation of results in financial literacy with results in mathematical and reading literacy. For Russia, it is 0.73 and 0.68, respectively, while the average coefficients are 0.83 and 0.79.

In other words, usually a schoolchild’s financial literacy basically depends on basic things - the ability to read and count. In the case of Russian schoolchildren, this relationship is lower than the average for the OSED (Organization for the Assistance economic development). At the same time, the result in financial literacy (10th place out of 18, a result below the international average) turned out to be higher than could be expected based on the results in reading and mathematics. That is, it can be assumed that Russian schoolchildren learn to handle finances to a large extent not on the basis of school education, but on the basis of extracurricular experiences.

The conclusion is simple: on average, Russian schools prepare people for life in terms of financial literacy worse than schools in other research countries.

There is something to work on. Or can this be interpreted in some other way?

Children of Russia's rich are less financially literate than the world average for rich children

The second thing that catches your eye is the dependence of financial literacy on the socioeconomic status (SES) of the family. In general, the trend is clear. The higher the family's SES, the higher the child's financial literacy. In general, the picture in Russia is similar to the international one. Except for “high family SES.”

Russian children from wealthy families are significantly less financially literate than similar children on average in the world (or the “civilized world”).

It seems that Russian children from rich families have less to think about where the money comes from, how to manage it wisely, etc. I see the following assumption from this - the growing trend of the gap between the poor and the rich in Russia is even sadder than the world average: in Russia it will be more difficult to form the social responsibility of wealthy people from the younger generation.

Moscow and Russia are “different countries” from the point of view of financial literacy

The third thing that caught my eye was the dependence of financial literacy on the location of the educational institution.
Both gaps - between the village and the city, and between the city and the big city - are larger than the average for the study. In other words, the difference between Moscow and Uryupinsk is much higher than between New York and Santa Barbara or Warsaw and Bialystok.

Pocket money is better than pay for good grades

If we talk about the sources of finance for schoolchildren, we should quote a very important conclusion of specialists from the Center for Assessment of the Quality of Education Russian Academy Education: “Students who earn money by doing housework or participating in family businesses showed lower levels of financial literacy compared to those who are not paid for their work. These results were found taking into account the socio-economic status of students.<...>Overall, the results from all countries showed that earning money was not associated with increased financial literacy. These conclusions require additional analysis and taking into account factors such as those related to the cost of the job or the amount of money received.”

So, an important conclusion - do not pay children to do housework, good grades and so on, this will not “learn how to deal with money”; rather, it will have the opposite effect.

Russian schoolchildren are more willing to borrow money than save money

On the attitude towards accumulation. The main thing that catches your eye is that there are a lot of invalid or completely missing answers. What is the reason - I personally don’t understand. The following nuances seem important here.

Firstly, in Russia, more than in OECD countries, schoolchildren are more inclined to borrow money from friends to buy something.

The fashion for living on credit is coming to us, but “theirs” is fading away?

Secondly, at the same time, Russian schoolchildren save money, as a rule, only if they need to buy something specific. Otherwise, they don't think about saving. Whether this is good or bad, I don’t know. I only know that, according to PISA, financial literacy is usually higher among those children who save constantly, and not just for a specific purchase (for example, in Shanghai).

Where to go and what to do?

The article provides thoughts only on some PISA-2012 data. There is much more food for thought, and every three years there will only be more material for comprehension.

Monitoring students' financial literacy is not just a fashionable trend. This is an urgent need for the school if it wants to keep up with the times.

There is no need to lament the fact that today almost all children want to be businessmen, not astronauts.

It is necessary to accept the challenges of the time as a given and adequately reflect the real demands that the school receives from society. In teaching social and humanitarian disciplines (in particular, such subject area, like economics), the school must cross the Rubicon between the traditional set of knowledge about economic concepts to the formation of financial literacy.

Obviously, shaping tools cannot be used effectively without appropriate monitoring tools. That is why the Youth Development Center developed the monitoring competition “Rubicon-2016: Financial Literacy”. This study is open to all students in grades 5-11 and will take place from February 8 to March 5, 2016.

Why do you need your own financial literacy monitoring?

The Rubicon 2016 competition has several fundamental differences from PISA testing:

• This study focuses on students in grades 5 to 11, not just 15-year-olds. It will be conducted annually, which means it will allow us to track the individual dynamics of students.
• If PISA gives an idea of ​​the results of the entire education system over a three-year period, then Rubicon is addressed to specific students, teachers and managers.
• In addition to financial literacy, the competition tasks allow you to evaluate regulatory universal educational actions - what can be called “self-management”. Schoolchildren are accustomed to the fact that the teacher himself always sets the task, sets goals, forms a work plan and evaluates the result. They are often lost if they are asked to perform all the same actions on their own. At the same time, self-organization skills are very relevant, including being financially competent and successful. As part of other CRM projects, it was possible to develop a methodology for an annual study of junior classes on the subject of self-organization. Now, with the Rubicon project, from the beginning of the 2015 school year, such monitoring will become end-to-end - from grades 1 to 11.
• For students, “Rubicon-2016: Financial Literacy” is not just another test, but an exciting story-based competition. This means there is no unnecessary reason for stress. Teachers and methodologists receive data for analytics, and children receive a new exciting experience that has practical significance outside of school.

In the 2015/2016 academic year in 8 Kaliningrad educational institutions An experimental course on financial literacy for schoolchildren was tested.

Simultaneously with the Kaliningrad region, testing of financial literacy classes took place in four more regions participating in the Project: the Volgograd, Arkhangelsk regions, as well as in the Altai and Krasnodar territories.

In our region, nine general educational institutions took part in the testing: schools No. 12, 31 and 47 of the city of Kaliningrad, Lugovskaya school of the Guryevsky district, lyceum No. 10 of the city of Sovetsk, Cadet Corps named after. A. Pervozvanny, as well as the College of Service and Tourism and the College of Entrepreneurship. In total, more than 1,000 students took part in financial literacy classes.

The school schedule for experimental classes provided 17 teaching hours (that is, 1 hour per week), double the number for grades 10-11 - 34 hours (2 hours per week). At the same time, educational materials for grades 10-11 are distributed according to profiles: economic, legal, mathematical profile and basic level.

The course included two stages of monitoring the level of financial literacy of teachers and parents: “input” (preliminary) and final testing.

In total, 83 textbooks were developed to test the lessons, included in 17 educational and methodological sets. Specially designed textbooks on financial literacy are provided for different groups of students: grades 2-4, grades 5-7, grades 8-9 and grades 10-11 in secondary schools, as well as students in secondary schools. vocational education and boarding school students. Also developed guidelines for teachers, testing and measuring materials, didactic materials for parents and manuals for individual work. For individual lessons, the materials are divided into modules: “Banks”, “ Stock market", "Own business", "Financial risks", "Insurance", "Pension provision".

Based on the results of testing, the experience of the regions in which testing was carried out will be taken into account, educational materials will be adjusted and distributed throughout Russia by the end of 2018.

Educational materials are available for download:

2 – 4 grades of general education organization (primary level)

The course program is compiled for grades 2–3 (the author of materials for students is S. Fedin) and grade 4 (the author of materials for students is G. Lovely). The program indicates the goals and objectives of the course planned educational results and the system for their assessment, the forms and methods of organizing the educational process are described, and a list of educational, methodological, material and technical resources is given.

Financial literacy: materials for students. 2nd, 3rd grades of general education organization. In 2 parts

Starting at school, a child takes his first steps into adulthood. In order for him not to get lost in it and become a financially prosperous person in the future, he needs to master the ABCs of financial literacy and learn to count money. This guide will help him with this. In an entertaining form, the initial basic concepts from the world of money are presented here and their role in our lives is shown; it tells you what money is spent on, how to manage it wisely, how to protect yourself from scammers and much more.

Financial literacy: materials for students. 4th grade of general education organization

From this book, students will learn about the world of money: how and where it came from, what it is, what is the difference between cash and non-cash money, what is a family budget and why it is important to plan it correctly, how people increase their income, how to protect themselves from scammers and about many other things.

5 – 7 grades of general education organization (basic general education)

The manuals tell about the complex world of money and the basic rules of human behavior in it. It explains in detail where family income comes from, what a family budget is and why it is important to plan it correctly. A significant place is given to protecting a person from the risk of losing money and property, interaction between the state and family, and the possibility of improving financial condition person by organizing their own business. The manuals are written in a language that is easy to understand for schoolchildren and can serve as a basis for conducting classroom activities, preparing independent projects, and solving financial problems together with parents.

8 – 9 grades of general education organization (basic general education)

The materials are designed to familiarize teenagers with the basics of rational financial behavior - how to wisely organize and optimize the future family budget, what needs to be done to improve personal and family well-being, why it is important to foresee the possibility of financial losses and how to minimize them, how to learn to manage your finances from a young age in order to have a comfortable life old age, etc.

10 – 11 grades of general education organization (secondary general education)

The manuals set out in an accessible form the main aspects of personal finance management, taking into account current trends in the development of the financial sector of the economy and current legislation. The tasks contained in the manual are aimed at developing students’ cognitive activity, independence and initiative in the field of personal finance management.

10 – 11 grades of a general education organization. Mathematical profile (secondary general education)

The manual contains a mathematical description of questions traditional for financial literacy disciplines: simple and compound interest, accounting for financial flows at different times, calculating prices financial instruments and assessments investment projects. Considerable space is given to examples of problem solving. To describe and assess the risks associated with financial transactions, the concepts of probability theory and mathematical statistics are actively used. The materials are redundant and assume the student’s ability to independently master sections related to probability theory and statistics.

10 – 11 grades of a general education organization. Economic profile (secondary general education)

The course is devoted to key issues in the functioning of modern financial institutions and the mechanisms of human interaction with them. The course covers such financial concepts, How commercial banks, investment funds, market valuable papers, tax system, pension funds etc., their essence is revealed and their place in the financial life of modern Russia is shown.

Materials training course on financial literacy for students of educational institutions of secondary vocational education

The manuals outline issues of family financial well-being and money management in a simple and accessible form. In addition to such standard topics as savings, credit, insurance, taxes and pensions covered in the manual, legal aspects relationships between employees and the employer, issues of employment and career growth, the organization of private entrepreneurship, measures to protect against financial fraud, etc. By participating in the analysis of real life situations and business cases, in group projects and discussions and completing tasks for searching and analyzing data, students prepare to use the acquired knowledge in practice.

Giving your child financial literacy skills now means providing and protecting him in the future.

Everyone knows what money is and what you can buy with it. But does everyone really know how to use them? It is worth learning now from the example of people who have accumulated billions like D. D. Rockefeller. And he started earning money at a very young age.

Finally, people realized that, contrary to the stereotype that had developed in Russia in the recent past, not only people who work in the financial market need to touch on this topic.

The earlier a student begins to develop financial literacy, the more conscious an attitude towards money can be fostered.

The topic of development is becoming increasingly popular among schoolchildren. There are many reasons for this:

• This is a way to stop the constant requests “Buy! Oh please! Want!"
• You protect your family from scammers, of which there are so many everywhere.
• The student becomes more independent, everyday literacy develops
• An “adult” theme makes your relationship more trusting and intimate
• You save the family budget
• You develop initiative in the student and open up a world of opportunities.

In the end, undergoing financial literacy training now means not deciding how to get children off your neck tomorrow.

It's amazing how important understanding finances is! Every area of ​​our life is connected with money; it influences everything.

The government also saw poor financial literacy of the population. In 2017, a strategy was approved to eliminate illiteracy in financial matters, designed until 2023.

Right now, answer a few questions in our test and test your financial literacy. You can read the correct answers below.

1. At what age can you apply for a bank card?

   a. At 18 years old;
   b. From 14 years of age with parental consent;br> c. From birth;
   d. After applying for a job (ed.)

2. Imagine that you have 100,000 rubles in your savings bank account and the bank annually charges 10% on the account balance. How much will the top account be in 2 years?

   a. 100,000 rubles;
   b. 110,000 rubles;
   c. 121,000 rubles;
   d. 200,000 rubles;

3. Which of the following banking instruments Do they have the goal of increasing funds?

   a. Contribution, debit card, credit
   b. Share investment fund, contribution, individual investment account
   c. Endowment life insurance, deposit, debit card
   d. Investment insurance life, deposit, mutual fund, credit card.

The topic of finance is a basic component of a successful future person. Our center has developed a special literacy course, in which children are introduced to the topic of money in an accessible form and learn to use the knowledge gained every day.

Features of the financial literacy course at the K.O.T. center

The main objective of the classes is to introduce schoolchildren to basic concepts and give a general idea of ​​how the world works. And also teach schoolchildren how to manage finances, plan a budget, save correctly, and also strive to earn money.

Financial literacy training for schoolchildren provides instructions for every day to develop a “billionaire mindset,” save money, and increase income.

Based different approaches, we have developed a system of correct simple techniques so that schoolchildren not only hear them, but begin to apply the information they receive about finances in life every day right now.

Our course is not an easy lesson. Students gain theoretical knowledge, literacy and working practical techniques to use every day.

• First, we understand the basic concepts - where does money come from?
• We study the topic of saving, learn to set financial goals and achieve them.
• Then we study techniques to increase our income. Money can be saved, invested, received interest and earned.

The most interesting thing is that schoolchildren can do this now!

Your child will learn not just to ask, but to plan purchases, save and get what they want.

All parents are probably familiar with the problem “I WANT! BUY! NOW!" The result of this conversation is usually either the waste of a tidy sum from the parents’ wallet or the student’s resentment and tears. There is a solution to the problem - teach your child not to make impulsive purchases, but to analyze and set financial goals.

For example, a child loves kinders and constantly asks for them. And at the same time he wants a new expensive toy or phone (let’s say the price of this thing is 5000 rubles). We will show the student how he can save money, manage his pocket money, small purchases or gifts correctly. The amount that needs to be saved is 5000 rubles. Kinder price - 60 rubles. That is, by putting aside 1 Kinder per day, the child will receive the toy he wants in 2.5 months. As a result, the student is proud of himself because he himself has achieved the desired goal, the parent does not listen every day to “I want - I want - I want!” and the apartment is not littered with rubbish.

Let's get acquainted with “adult” tools and take the first step towards financial independence in the future.

The course has an “adult” section about investments, stocks, credit cards. Here children will learn a little about the world of finance, and will also understand how they can participate in it now in order to gain freedom and independence in the future. We will figure out how to make a competent contribution and receive interest from gifts from parents and grandmothers. We will try to calculate how profitable our investment is.

Financial literacy training creates a “millionaire mindset” - the ability to use money correctly, treat it confidently, believe in yourself and look confidently into the future.

This is really important for the development of correct financial thinking in a student, the ability not only to use funds, but also to earn money, increasing their capital.

Some useful tips for parents who want to teach students literacy and how to manage money:

• Explain that it is important that money does not “fly away” - everything has its own value and the child needs to know about it
• Already now teach your schoolchild how to manage his money wisely - teach him to see prices, understand what it costs (your toy costs 10 ice creams. Do you really think you need to buy it now?)
• Show how and why to keep records of income and expenses (it is better to explain this based on the basic needs of the student, which he cannot refuse)
• Tell us what “debt” is and why you should avoid unnecessary debt obligations
• Teach him to plan a personal budget - start a piggy bank, give him pocket money.
• Tell us how you can use money: spend, save, invest, borrow, etc. - expand students’ understanding of the world of finance. It is very interesting and important for every person.

The Rockefeller School program will help your child understand the world of finance.

Schoolchildren will see money from a new perspective, and finance will become an interesting tool for them, and not just a way to buy something.

Our trainings are practice! The guys solve interesting life cases themselves

Judging by the feedback from participants in past groups, the course exceeded their expectations in its usefulness and intensity!

Some graduates became so captivated by the world of finance that they opened their own businesses after the course.

The most profitable investment for financially literate parents - education of children. Sign up for the course and contribute to your child’s successful future now.

Course format:

• 5 trainings, 2 hours each
• Classes 1 time per week