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Budgeting is a crucial skill when planning how and what to use money for. Explain how credit cards work.

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If not, then you could use your own, or access an example online. Each has their own special personality and abilities.

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The Money Advice Service has some great budgeting tools to help with these activities. Just type your message to Santa Claus in the box, and read his answers below it: Several websites now offer children the chance to write and receive live messages from their favorite holiday hero, Saint Nicholas, and some sites even let kids write messages to elves and Bbc chat rooms. If you need clarity then for helpful info 5 By the age of 19… young adults should understand the basics of pensions Retirement might seem a long time off for a 19 year old, but getting a good understanding of pensions now will stand these young adults in good stead for the future.

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Get them to think about the things that parents and carers spend money on. Ask them about how they think you make decisions about where to go on holiday and what to do?

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