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Managing Money + Cost of Living Crisis Lessons

Subject: Citizenship

Age range: 11-14

Resource type: Lesson (complete)

PSHE, Citizenship, RE, SMSC Lessons + Teaching Resources

4.692821 reviews

Last updated

12 October 2026

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2 x 1 hour long Finance / Careers lessons.
1) Cost of living, a new lesson where students will examine why life in the UK is so costly at the moment, how people are budgeting for this and explore inflation, comparing 2026/7 to costs five years ago.
2) (bonus lesson) A lesson exploring how workers budget once they have received their payslip. This explores credit and debit, overdrafts, current accords and lending.

Both lessons are shown in the previews.

Financial Capability resources: 2 x 1 hour PowerPoint, clips, worksheets, differentiated fully KS3/4. Complete 2 hour lessons with worksheets, suitable for KS3/4 easily adapted for either.
Find more lessons on everything from RSE, misogyny, masculinity and Andrew Tate to jobs, consent, stereotyping, employment and careers, dating, love, drugs, alcohol, vaping, sleep, mental health and wellbeing, extremism, pornography, gender and transgender prejudice, racism, British Values, living in the wider world, sexual health, equality and diversity, STIs, contraception, sex and relationships and much more at the EC Publishing website.
Many more inexpensive and free resources at my shop: EC_Resources<
**We are confident you’ll be pleased with this resource – however, if you have any issues at all, contact us at info@ecpublishing.co.uk and we’ll help you straight away. If you try to contact us through ��Vlog we may not for be alerted for days so may not be able to help you on time.**

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A bundle is a package of resources grouped together to teach a particular topic, or a series of lessons, in one place.

Careers + Citizenship KS3 KS4

This new and affordable Careers + Citizenship double pack for schools includes: 1. Careers and Employment: 38 HOUR UNIT - For the Gatsby Benchmark Careers Guidelines. All fully resourced lessons, well differentiated and highly rated 1 or 2 hour lessons suitable for secondary schools which can be used over both key stages - perfect to help you meet the new GATSBY criteria. 2. Complete statutory (non GCSE) Citizenship - 36 hours of x fully resourced, detailed, hour-long lessons and units of lessons suitable for KS3 OR none-GCSE KS4 groups. Perfect for Drop Down Days, British Values or just KS3 Citizenship lessons. All lessons are complete with at least one hour-long PowerPoint, accompanying differentiated worksheets, clip links with questions, plenaries, clear LOs, starters and all are well differentiated to three levels throughout. Quizzes and end of term fun lessons also included. There is zero extra work required, and the whole bundle follows the National Curriculum Citizenship statutory framework. **Who are EC Resources?** EC Resources are the top TES PSHE, Citizenship and Careers providers, with thousands of UK schools following our schemes. We are a group of teachers who work together to create easy to use, high quality and editable lessons and units of work. We have created lessons for The Bank of England,The Children's Commissioner, MACS Charity, ��Vlog, LikeToBe Careers, the Criminal Cases Review Commission (UK Gov) and have also completed PSHE and Citizenship commissions for schools across the UK. Check out our PSHE Packages here: [Complete KS3 PSHE and RSE](/teaching-resource/pshe-complete-ks3-pshe-11897912) [Complete KS4 PSHE and RSE](/teaching-resource/complete-ks4-pshe-rse-12059669) [One Year of KS5 PSHE and RSE](/teaching-resource/one-year-of-ks5-pshe-12188834) [One Year of Citizenship and British Values](/teaching-resource/citizenship-citizenship-one-year-s-worth-11551737) [Complete Year 7 and 8 RE](/teaching-resource/drugs-and-alcohol-11493122) [Complete Careers and Employability](/teaching-resource/employment-11488708) [AQA Citizenship GCSE Mega Pack](/teaching-resource/prejudice-and-discrimination-11363222) You can contact us at info@ecpublishing.co.uk Teaching PSHE, RE or Citizenship GCSE next year? Why not join our [Citizenship and PSHE teachers Facebook group,](https://www.facebook.com/groups/2069848026578974/) with 6000 other teachers, for guidance, advice and resource sharing.

Life Skills + Careers

20 (More added!) x fully resourced, highly-rated Life Skills lesson packs. All 20 lesson packs are complete with at least one hour-long powerpoint, accompanying differentiated worksheets, clip links with questions, plenaries, clear LOs and starters. All are well differentiated to three levels throughout to enable clear evidence of progress for all students. These resources have been highly-rated individually by TES users, follow the same consistent format and are easy to follow. There is zero extra work required. You can just have a quick look at them and teach - instructions are very clear as you go along. I use all of these myself as a Head of Life Skills, PSHE and ASDAN and I really hope you find them excellent value. I've put literally months of time into this to make these lessons top quality for my own school team.

Careers + Finance

18 hours of fully resourced, highly-rated Finance and Employment lesson packs (one is a double lesson), all created to fit the new PSHE Statutory Guidelines and Gatsby Careers Guidance. All are complete with detailed PowerPoints, accompanying worksheets, clips and well differentiated to three levels. I use all of these myself as a Head of Citizenship and PSHE and I really hope you find them excellent value. I've put literally months of time into this to make these lessons top quality for my own school team.

BRITISH VALUES

Just updated with some new 2026 lessons! 24 hours of content (in 20 downloads) - 24 x fully resourced hour long lessons, an assembly, a quiz and 5 displays. All differentiated throughly to three levels, with 45 worksheets to go along with PowerPoints. Created to help any school meet all British Values requirements with ease. All lessons are fully resourced, highly-rated British Values and Citizenship lessons for KS3 / KS4. All are complete with accompanying worksheets, clips and activities that are well differentiated to three levels. It's worth checking your downloads on this if you buy it because I keep adding to it and then you get the new downloads all free. **Just added - a version of the Identity lesson suitable for low ability / SEN or KS2. This was used with a Year 7 Nurture group. ** I use all of these myself as a Head of Citizenship and I really hope you find them excellent value. I've put literally months of time into this to make these lessons top quality for my own school team. There is enough material here to create numerous off time-table days for different year groups to cover all the British Values / SMSC / Citizenship KS4 and KS3 requirements.

Economic Education

Everything you need to teach about finances, budgeting and personal economics: 12x highly-rated, fully resourced lesson packs. Each includes: a one hour PowerPoint, worksheets, clips, is differentiated fully for MA,LA or Core and is designed to fit Ofsted criteria for' Good' to 'Outstanding'. Each resource pack has individually been rated highly by ��Vlog users. These resources are suitable for PSHE, Citizenship, Life Skills or ASDAN. They were made for Key Stage 3 / 4 and are easily adaptable for Key Stage 5 or for perhaps for some Business Studies topics.

Financial Education PSHE

Citizenship / PSHE resources: 14x fully resourced lesson packs. Each includes: 1hour PowerPoint, worksheets, clips, differentiated fully for MA,LA or Core, designed to fit Ofsted criteria for' Good' or above. 14 x easy to use, ready to go lessons to prepare students for a financially secure future. All PowerPoints come complete with accompanying worksheets, clips, activities, starters, plenaries, clear and measurable LOs, 3 way differentiated. Everything you need for a hit-the-ground-running lesson. Lessons included: Finance / Careers : credit and debit Finance : saving + investing Public Sector + Economy : Citizenship Bank accounts, savings and loans Finance / Careers : Tax + Payslips Personal Finance / Money - Careers Finance : Money Management Money: Income and Outgoings Money Budgeting Personal Finance: Credit cards Finance / Careers: Budgeting Money - savings and loans Money Laundering Wants and Needs

FINANCE + MONEY PSHE / Careers

16 HOURS UNIT (more just added!)- Bank Accounts, Tax, Debt, Budgeting, Inflation, Economy - everything! 50x resources in 14 lesson packs. Well differentiated to three challenge levels - all hour long PowerPoints come with clear LOs, starters, plenaries, accompanying clips and worksheets. Created by EC Publishing - who recently made the Bank of England's financial education resources.<br /> <br /> <br /> 1. Income and Expenditure Introduction- credit and debit<br /> 2. Budgeting - being financially savvy and keeping to a personal budget<br /> 3. Payslips, tax and national insurance.<br /> 4. Public money - how it's spent nationally and locally.<br /> 5. Saving, investing and pensions - how to plan for a secure financial future.<br /> 6. Personal finance and debt- managing your finances sensibly.<br /> 7. Financial products- debit cards, loans, credit cards, bank accounts, what are they for and how do we use them.<br /> 9. Money Laundering - what is it and why shouldn't we do it.<br /> 10. Financial Products, loans, avings and management.<br /> 11. Independent living - with a focus on being financially literate and self-sufficient.<br /> 12. What are payday loans and why are these so risky?<br /> 13. Why do I need to know about pensions?<br /> 14. Buying or renting? Cars and houses.<br /> 15. The cost of Living Crisis<br /> 16. The economy<br /> <br /> Variety of different level tasks for MA,LA or Core. Suitable for secondary - all editable.<br /> <br /> ALSO - Leave me a review and I'll send you a resource of your choice for free.<br /> Differentiated to 3 levels or 4 levels where possible<br /> Designed to fit Ofsted criteria for' Good' or above<br /> Credit to BBC for clip and links

Thematic PSHE Financial Decision Making

Perfect for meeting the new PSHE Statutory guidelines, this pack has been created from the popular EC Resources PSHE lessons to match one of the new PSHE Association optional frameworks - the ‘Thematic Framework’, from their model programme builder. This is one of a variety of ways to order your PSHE content and follows the PSHE Association’s new, suggested order for content within their three categories: Living in the Wider World, Relationships and Health and Wellbeing. **PSHE Association Theme:** Autumn 2 Living in the Wider World Topic – Financial Decision Making The impact of financial decisions, debt, gambling and the impact of advertising on financial choices **This pack is mapped against the latest DfE guidance and uses the PSHE Association Core themes (code references: H25, R38, L16, L17, L18, L19, L20, L25) for the 2020 Requirements (Statutory Health and RSE). ** Learning Outcomes for this unit how to effectively budget and evaluate savings options how to prevent and manage debt, including understanding credit rating and pay day lending how data is generated, collected and shared, and the influence of targeted advertising how thinking errors, e.g. gambler’s fallacy, can increase susceptibility to gambling strategies for managing influences related to gambling, including online about the relationship between gambling and debt about the law and illegal financial activities, including fraud and cybercrime how to manage risk in relation to financial activities All lessons are editable, differentiated at least three ways so you can be Ofsted and DfE guidance-ready and ensure your pupils have the very best PSHE education. Each pack contains a variety of activities, an hour-long PowerPoint, a clip with questions, a literacy focus task, new key-term introductions, reading aloud materials, assessment opportunities, progress checkers and creative tasks. **Who are EC Resources?** EC Resources are the top TES PSHE providers and are a group of teachers who work together to create easy to use, high quality and editable lessons and units of work. We have created lessons for The Children's Commissioner, The Bank of England, MACS Charity, ��Vlog, LikeToBe Careers, the Criminal Cases Review Commission (UK Gov) and have also completed PSHE and Citizenship commissions for schools across the UK. Check out our PSHE Packages here: [Complete KS3 PSHE and RSE](/teaching-resource/pshe-complete-ks3-pshe-11897912) [Complete KS4 PSHE and RSE](/teaching-resource/complete-ks4-pshe-rse-12059669) [One Year of KS5 PSHE and RSE](/teaching-resource/one-year-of-ks5-pshe-12188834) [One Year of Citizenship and British Values](/teaching-resource/citizenship-citizenship-one-year-s-worth-11551737) [Complete Year 7 and 8 RE](/teaching-resource/drugs-and-alcohol-11493122) [Complete Careers and Employability](/teaching-resource/employment-11488708) [AQA Citizenship GCSE Mega Pack](/teaching-resource/prejudice-and-discrimination-11363222) [The rest of the Thematic Packages can be found here:](/resources/search/?authorId=531777&q=perfect%20for%20meeting&shop=EC_Resources&sortBy=newest) You can contact us at info@ecpublishing.co.uk Teaching PSHE, RE or Citizenship GCSE next year? Why not join our [Citizenship and PSHE teachers Facebook group,](https://www.facebook.com/groups/2069848026578974/) with 7000 other teachers, for guidance, advice and resource sharing.

CITIZENSHIP

UPDATED for 2026! A whole year's worth of Citizenship resources! 41 (more just added for 2025) x fully resourced, detailed, hour-long lessons and units of lessons for KS3 / KS4 (in 20 downloads). Perfect for Drop Down Days, Citizenship lessons, British Values or PSHCE. If you purchase this you can contact info@ecpublishing to ask to be added to the live Dropbox, where everything is updated. You still have the downloads from here too :)<br /> <br /> All are highly-rated EC Resources Citizenship lesson packs and units, with five star-reviews from ��Vlog downloaders. All 41 lessons are complete with at least one hour-long powerpoint, accompanying differentiated worksheets, clip links with questions, plenaries, clear LOs, starters and all are well differentiated to three levels throughout. These resources have been highly-rated individually by TES users, follow the same consistent format and are easy to follow for any Citizenship or CPSHE teacher.<br /> <br /> There is zero extra work required, and the whole bundle follows lastest National Curriculum Citizenship stat and non-stat recommendations and Ofsted latest SRE/Safe Students guidance.<br /> <br /> I also have a 1 YEAR'S WORTH of PSHE bundle (36 lessons) available here: <a href="/teaching-resource/pshe-pshe-1-years-worth-11519151">1 Year’s worth of PSHE</a><br /> <br /> and I have a 1 YEAR OF RE bundle (36 lessons) available here:<a href="/teaching-resource/general-elections-bundle-11594240 ">1 Year’s worth of RE</a><br /> <br /> I use all of these myself as a Head of Citizenship and I really hope you find them excellent value. I've put literally months of time into this to make these lessons top quality for my own school team.<br /> <br /> Many more inexpensive and free resources - including Citizenship GCSE 9-1 and revision resources at my shop:<br /> <a href="/teaching-resources/shop/EC_Resources">EC_Resources

Tutor Time Activities

UPDATED for 2026! A mega mix of Tutor Time activities, workbooks, quizzes, reading packs on contemporary issues (with accompanying tasks), PowerPoints designed to last 25 minutes, display materials and more. These have all been designed specifically Tutor Time.<br /> <br /> Suitable for KS3/4 but could be adapted. <br /> <br /> I use all of these myself, as do all the form tutors in my school and I really hope you find them excellent value. There's a good mix of topics here, so hopefully something to suit every schools SMSC and Form Time plans.<br /> <br /> Many more inexpensive and free resources at my shop: <a href="/teaching-resources/shop/EC_Resources">EC_Resources

Cost of Living Crisis

This pack contains 2 x lessons with a focus on how the current cost of living crisis is affecting the lives of UK people - and why we are suffering a cost of living crisis in the first place. 1) A detailed, differentiated and editable PSHE lesson which will last you roughly an hour (possibly an hour and a half) all about the current cost of living crisis. Inflation and the reasons behind it, both domestic and international, are explained in detail. Personal cases are examined, as well as the impact on people’s mental health. Can be used with KS3 or KS4 as there are a wide variety of tasks, all heavily differentiated. 2) A detailed, differentiated and editable PSHE/Citizenship/Finance lesson which meets all the latest PSHE guidelines and will last you up to 90 mins. The lesson introduces what the economy is, what is happening with the UK economy currently, what key terms such as recession, growth and austerity mean, why interest rates have risen and what it all means for the everyday Brit’s pockets. 3) An older lesson (but still a goodie! About being paid, budgeting, credit and debit (in the same folder as the cost of living lesson) Who are EC Resources? EC Resources are the top TES PSHE providers and are a group of teachers who work together to create easy to use, high quality and editable lessons and units of work. We have created lessons for The Children's Commissioner, MACS Charity, ��Vlog, LikeToBe Careers, the Criminal Cases Review Commission (UK Gov) and have also completed PSHE and Citizenship commissions for schools across the UK. Check out our PSHE Packages here: [Complete KS3 PSHE and RSE](/teaching-resource/pshe-complete-ks3-pshe-11897912) [Complete KS4 PSHE and RSE](/teaching-resource/complete-ks4-pshe-rse-12059669) [Complete KS5 PSHE and RSE](/teaching-resource/complete-ks5-pshe-rse-12322716) [One Year of Citizenship and British Values](/teaching-resource/citizenship-citizenship-one-year-s-worth-11551737) [Complete KS3 RE](/teaching-resource/pshe-and-citizenship-2-11516562) [Complete Careers and Employability](/teaching-resource/employment-11488708) [AQA Citizenship GCSE Mega Pack](/teaching-resource/prejudice-and-discrimination-11363222) You can contact us at info@ecpublishing.co.uk Teaching PSHE, RE or Citizenship GCSE next year? Why not join our [Citizenship and PSHE teachers Facebook group,](https://www.facebook.com/groups/2069848026578974/) with 9000 other teachers, for guidance, advice and resource sharing.

Year 11 Living in the Wider World PSHE

New Year 11 PSHE Living in the Wider World package - taken from the EC Publishing Complete 2026 PSHE + RSE Package. Meets all the DfE and PSHE Associations statutory and suggested guidance. The package contains 12 hours of detailed, new, differentiated and editable PSHE lessons for KS4. Lesson plans included and detailed scheme of work. Includes: 1. Choosing Post-16 Options 2.Personal Safety and Independent Travel 3. Extremism and Radicalisation (2 hours) 4. Online Privacy and Data Protection 5. Cost of living Crisis 6. Different Types of Employment 7. Cvs, Job Applications, Cover Letters 8. Job Interviews 9. Revision and Study Skills (2 hours) 10. Detailed scheme of work Activities are scaffolded, there is a detailed and colourful PowerPoint for each lesson lasting at least one hour, clip tasks with questions and answers, worksheets, creative tasks, literacy focus tasks, analysis, case studies, group tasks and much more. All lessons include signposting to further help agencies and charities and clear, measurable outcomes. All lessons are fully editable, engaging and very easy to follow. Who are EC Resources? EC Resources are the top TES PSHE providers and are a group of teachers who work together to create easy to use, high quality and editable lessons and units of work. We have created lessons for The Children's Commissioner, The Bank of England, The British Legion, MACS Charity, ��Vlog, LikeToBe Careers, the Criminal Cases Review Commission (UK Gov) and have also completed PSHE and Citizenship commissions for schools across the UK. You can contact us at info@ecpublishing.co.uk Check out our PSHE Packages on ��Vlog here: [Complete KS3 PSHE and RSE](/teaching-resource/pshe-complete-ks3-pshe-11897912) [Complete KS4 PSHE and RSE](/teaching-resource/complete-ks4-pshe-rse-12059669) [Complete KS5 PSHE and RSE](/teaching-resource/complete-ks5-pshe-rse-12322716) [One Year of Citizenship and British Values](/teaching-resource/citizenship-citizenship-one-year-s-worth-11551737) [Complete KS3 RE](/teaching-resource/pshe-and-citizenship-2-11516562) [Complete Careers and Employability](/teaching-resource/employment-11488708) [AQA Citizenship GCSE Mega Pack](/teaching-resource/prejudice-and-discrimination-11363222) Teaching PSHE, RE or Citizenship GCSE next year? Why not join our [Citizenship and PSHE teachers Facebook group,](https://www.facebook.com/groups/2069848026578974/) with 10,000 other teachers, for guidance, advice and resource sharing.

British Issues Citizenship

9 x fully resourced lesson packs and one assembly suitable for KS3 / KS4 all with a focus on the controversial issues Britain is currently facing. From Boris Johnson as the new PM, to Fracking to Mob mMntality - this lesson unit would make the perfect Citizenship drop down day - ticking boxes for British Values and SMSC. All 9 lesson packs (and one assembly an an additional extra) are complete with at least one PowerPoint, accompanying differentiated worksheets, clip links with questions, plenaries, clear LOs and starters. All are well differentiated to three levels throughout to enable clear evidence of progress for all students. These resources have been highly-rated individually by TES users, follow the same consistent format and are easy to follow. There is zero extra work required, and the whole bundle follows the latest Citizenship Association guidance. Please leave me a review and I'll send you any other resource of your choice for free.

Financial Literacy Drop Down Day

Drop Down Day Pack - A set of 5 lessons to cover a Drop Down Day (5 hours) all about financial literacy and ethical spending. The Drop Down Day was put together for Year 10 originally, but all the resources are editable and well-differentiated so it could be used with any year group KS4 / KS3 with a tweak or so. The overall theme for the series of KS4 Drop Down Days was 'Independent Living', so this is just one in a series of six which ran throughout the year. The day works especially well if you can have a key speaker from the Finance Industry (the school's finance director will do) to kick off proceedings; just someone to emphasise how important financial literacy is and how it can lead to lucrative careers. Intertwined with the money and independent living skills gained by students throughout the day are reminders of their responsibilities as consumers to spend ethically. There is much focus on young people's rights and responsibilities throughout the lessons as this was planned to ensure thorough coverage of Citizenship and SMSC too. All these individual lessons have been rated very highly by ��Vlog users and are tried and tested in my own department.

Year 8 PSHE

12 (more added!) x fully resourced, highly-rated PSHE lesson packs and units suitable for Year 8. All 12 lesson packs are complete with at least one hour-long powerpoint, accompanying differentiated worksheets, clip links with questions, plenaries, clear LOs and starters. All are well differentiated to three levels throughout to enable clear evidence of progress for all students. These resources have been highly-rated individually by TES users, follow the same consistent format and are easy to follow. If you like this, we offer a complete PSHE for KS3 package planned to meet the PSHE Association guidelines. You can view it here: [Complete PSHE for KS3](/teaching-resource/pshe-complete-ks3-pshe-11897912) I use all of these myself as a Head of PSHE and I really hope you find them excellent value. I've put literally months of time into this to make these lessons top quality for my own school team. Please leave me a review and I'll send you any other resource of your choice for free. Many more inexpensive and free resources at my shop: [EC_Resources

Personal Finance Unit

A short unit of 5x fully resourced lessons. Each includes: 1hr PowerPoint, worksheets, clips, differentiated fully for MA,LA or Core, designed to fit Ofsted criteria for' Good' or above. PSHE / Citizenship / ASDAN Or you can check out some of our most popular PSHE, Citizenship and RE resources below: [Mental Health PSHE Bundle](/teaching-resource/mental-health-11401183) [1 Whole Year of PSHE Resources](/teaching-resource/pshe-pshe-1-years-worth-11519151) [British Values Citizenship Bundle](/teaching-resource/british-values-2017-11516580) [Careers, Employment and Enterprise Bundle](/teaching-resource/employment-11488708) [Islam Bundle](/teaching-resource/islam-11368174) [Sex and Relationships Education](/teaching-resource/sex-and-relationships-education-unit-pshe-11254196)

Reviews

4.6

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solar89

6 years ago

5

Great stuff!

callumdwardman

7 years ago

5

Great resources!

ioanarodicanitescu

7 years ago

5

geography graham

9 years ago

5

THIS WAS A TOP RESOURCE! Bought loads from the seller and have NEVER been let down but this one was fantastic. Students were shocked at how much everything costs. Resources were excellent and save me time and effort. Just need to hit "print" and everything is done.

rdhaigh

9 years ago

4

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4.60 10 reviews