A 28-page SEN-friendly workbook teaching budgeting, saving, and spending skills. Covers needs vs wants, tracking spending, and setting savings goals. Print and go!

What is this resource?

Money Management Level 3: Managing Your Money is a printable workbook designed to teach teens and SEN learners how to manage their money wisely.

This workbook follows on from Levels 1 and 2 and takes learners from understanding needs vs wants through to creating a simple budget and setting their own savings goals.

Perfect for PSHE lessons, life skills programmes, functional skills, Entry Level qualifications, or supporting young people preparing for independence.

Topics covered

• Needs vs Wants – understanding the difference and why it matters
• It Depends on the Situation – recognising that some items can be needs or wants depending on circumstances
• Income & Expenditure – understanding money coming in and going out
• Tracking Your Spending – keeping a record of where money goes
• Creating a Simple Budget – planning income, fixed costs, and flexible costs
• Making Spending Decisions – thinking before spending and avoiding impulse buys
• Introduction to Saving – why saving matters and how to set a savings goal

What’s included?

• 28-page A4 PDF workbook
• Welcome page with clear instructions
• Contents page
• Varied activities (sorting, scenarios, budget planning, goal setting)
• “What I’ve Learnt” self-assessment after every topic (with varied formats)
• Answer key
• Completion page

Key features

• SEN-friendly – clear layouts, simple language, calm colours
• Varied activities – keeps learners engaged
• Real-life scenarios – relatable examples using realistic amounts
• Self-assessment pages – with varied formats (tick boxes, traffic lights, smiley scale, star rating)
• Practical tools – includes spending tracker and savings goal planner
• No prep – print and go

Perfect for

• Secondary students (ages 11-14)
• SEN learners up to age 25
• PSHE and Citizenship lessons
• Life skills and independent living programmes
• Functional Skills and Entry Level courses
• Home education
• Transition planning and supported living
• PRUs and alternative provision

How to use

Print the workbook and work through topics in order. Complete activities along the way and use “What I’ve Learnt” pages to check understanding. Suitable for whole-class teaching, small groups, 1:1 support, or guided independent study.

Part of a series

This is Level 3 of the Money Management series:

• Level 1: Banking Basics (available separately)
• Level 2: Using Your Account (available separately)
• Level 3: Managing Your Money (this resource)
• Level 4: Staying Safe – Coming Soon
• Level 5: Borrowing & Beyond – Coming Soon

Please note

This workbook teaches practical life skills, not financial advice. Learners are encouraged to ask a trusted adult for guidance with real-life money decisions.