What you will be able to do
- Budget and save using spreadsheets and mobile tools
- explain mobile money, banking, interest and credit
- spot scams
- keep simple business books
- understand taxes at a basic level
Syllabus
- 1 Income, budgets and goals
- 2 Mobile money, banks and digital wallets
- 3 Interest, loans and credit traps
- 4 Scams and fraud
- 5 Business bookkeeping basics
- 6 Taxes, receipts and records
Hands-on practical activities
- Personal budget spreadsheet
- simulated mobile-money transactions on a training sandbox or paper tool
- scam detection game with real examples
- cash-book for a mini business
- receipt and invoice preparation
Resources and equipment
Spreadsheet software, laptops or phones, mock mobile-money training tools, sample receipts and statements
🔋 No power? Off-grid option
Paper cash books and mock transactions; spreadsheet work when powered
Career direction
Bookkeeper, financial services agent, fintech support, accountant assistant, small-business owner
Why it matters in the market
Mobile money and digital payments are central to commerce, creating demand for people who understand them and for fraud prevention
Assessment
Budget and cash-book, scenario test
Age and learner-group versions
The same core course is also offered in these adapted versions.
Smart Money Kids TT4
Outcomes. Recognise coins, notes and prices; sort needs from wants; save towards a goal; understand safe and unsafe money requests on phones
Practicals. Toy shop with play money; saving chart on paper and tablet; sell and buy at a class market; mobile money role play with a pretend phone and PIN safety rule
Progression
From DS4; leads to MH2 FinTech and Digital Finance Applications