Money Works

A directly delivered and accredited financial education programme
aimed at young adults not in mainstream education

Independently Assessed


2 X 4.5 hours or 4 X 2.25 hours

Target Group

16-25 year olds moving into independent living

Group Size

6-15 young people

Information Sheet PDF



Money Works is a financial and digital skills programme for young adults moving into independent living to confront their money worries.

Sessions cover:

  • Budgeting and Household Costs: Attitudes towards money, needs & wants, cutting back, budgeting, steps after move in, reading bills, household costs.
  • Your Income: Sources of income, wage slips, tax & NI, benefits, universal credit and sanctions.
  • Banking and Being Informed: How banks work, savings and current accounts, interest, forms of payment, choosing an account, understanding contracts, understanding tenancy agreements.
  • Borrowing and Scams: Forms of borrowing, credit history, debt consequences & prioritisation, staying safe with money, understanding what money muling is.

Young adults living on their own, or about to, are often in need of survival money management skills and actions they can implement immediately.

Money Works has a strong focus on embedding digital skills. This includes; increasing the access, use, skills, confidence and motivation of young people using digital tools to manage their money, make financial decisions and plan for their future.

Other topics cover: finding information, shopping around, accessing financial services and benefits, managing money, staying safe online, digital footprints, checking credit scores, online banking and payments, staying safe from scams and understanding what money muling is.

Combining digital literacy with money management is a powerful and liberating prospect for those who find themselves waiting on payday or punished by late fees.


Money Works maps into a range of accredited life skills, money management and employability certificates. Young people attending the full programme can also qualify for a Level 1 Personal Money Management accreditation – and in Scotland, Money Works is credit rated by the SQA at Level 4. 

Winner of the Children & Young People Now Leaving Care Award.

virtual version is also available. Independently evaluated by the Money Advice Service’s ‘What Works Fund’.

MyBnk Cancellation Policy: Cancellations and changes made to scheduled deliveries incur costs to MyBnk. Any changes made less than two weeks in advance will result in a £100 or, if less than three working days, £250 charge per MyBnk trainer. Full Terms & Conditions here.

Case Studies

From opening a first bank account and trading in real markets, to moving out of care and into independent living, MyBnk’s financial education workshops pack a BIG punch!

"It makes maths real!" Improving teens numeracy skills by understanding investment

“My Mind Has Been Blown!" - Shannon, 8, opens her first bank account and starts her savings journey

"Learning to live independently taught me I had worth" Leaving care and dodging bankruptcy

Impact After This Programme


Drop in average debts


Increase in regular saving


Increase in life satisfaction