An engaging financial literacy guide for Upper KS2 (Years 4–6 / Ages 8–12) that teaches the basics of borrowing and digital money.
What’s covered:
How credit cards work: Borrowed money vs “free money,” billing, and interest.
Credit vs Debit cards: Clear comparison table showing the key differences.
Essential vocabulary: Credit limit, balance, interest, minimum payment, and credit score.
Safety & responsibility: Protecting PINs, avoiding debt, and borrowing sensibly.
Classroom activity: A quick sorting worksheet (“Borrowed money” vs “Money I already have”) with an answer key.
Ideal for: PSHE (Living in the Wider World), Money Week, and real-world maths.