Money Works

An accredited financial education programme aimed at young adults not in mainstream education

Independently Assessed


2 X 4 hours or 4 X 2 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 & Habits: Attitudes towards money, needs & wants, cutting back, budgeting, sources of income.
  • Being Independent: Wage slips, tax & NI, benefits, universal credit, steps after move in, reading bills, household costs.
  • Banking: How banks work, savings and current accounts, interest, forms of payment, choosing an account.
  • Borrowing & Beyond Today: Forms of borrowing, credit history, debt consequences & prioritisation, looking forward, setting goals.

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, sharing, swapping & selling, staying safe online, digital footprints, checking credit scores and online banking and payments.

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.

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

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 and enterprise experiences pack a BIG punch!

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

"I'm getting them on this course!" Single mother Chantel, 19, takes control of her finances, and her future

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

Impact After Our Programmes


Drop in average debts


Increase in saving regularly


Increase in life satisfaction

Education Team

"When young people understand the world around them, anything is possible. MyBnk helps them to understand their relationship with money and how to make good financial decisions".

Fiona Montgomery

Head of Education - School Age

"MyBnk is a creative and exciting organisation that targets the increasing need for relevant and engaging financial education for young people. We can and will put young people first!"

Dominique Kent-Saisch

Education Officer

"I just want to help young people have the knowledge I never had. I want them to understand things like APR as much as they understand LOL".

Carl Clark

Education Officer

"Taking the dull elements of finance, adding some real life and making them actually alright, if not kind of enjoyable!"

Andy Small

Education Officer

"My passion is inspiring and enabling young people with skills they need to be financially aware".

Laura Ellis

Regional Education Officer - South

Natalie Bartlett

Regional Education Officer- South

Facilitation Team

"MyBnk is inspired by input and ideas from young people, which makes it an exciting and fun place to work!"

Mette Barker

Partnership Manager

"Money really does ‘talk’ and it’s important for young people to learn and speak the language of the financial world they will be entering one day".

Jade Rowlands

Education Coordinator