CategoryTitleShort desciptionCountryLanguageType of fileLink
Good practiceYoung people; debt, consumption and savingsThis report describes the financial status of young danish people: Debt and wealth among young people Young people as bad payers Debt problems in adolescence When young people under the age of 24 have childrenDenmarkDanishTextfileShow
Good practiceArticle: When impulse buying takes the breath out of your financesAccording to a new study from Finans Danmark, impulse purchases are something young people between the ages of 18 and 30 should pay special attention to as this can put the economy to a serious test. According to Finans Danmark's new study, Youth consumption, debt and savings, impulse-driven consumption is something that can bring young people's personal finances out of balance. As a young person, you typically do not have that much money to do well with, and therefore even small impulse purchases can fill a lot in the young people's finances. 5 tips to take control of your impulse purchasesDenmarkDanishWebpageShow
Good practiceBank offers lessons in local schoolsExpensive consumer loans, disposable amounts and overdrafts are now on the school schedule in Southern Jutland. Following the success of a test course in Sønderborg, Sydbank is now expanding its offer of tuition in personal finance in primary and lower secondary schools. It writes JydskeVestkysten. This is happening on the basis of demand from local schools and stories of an increasing number of young people ending up in debt problems. "We have tested it twice and are now sending out an offer to all schools in our regional area. We have a team of seven to eight young employees who advise customers in everyday life," says customer manager Kim Juul Pedersen from Sydbank in Sønderborg. He says that the students' evaluation of the two test courses has been extremely positive, and the department has, in collaboration with the headquarters, prepared a teaching material that will be available to the bank's other departments. Initially, all schools in Sønderborg Municipality will be offered tuition in personal finance.DenmarkDanishWebpage
Good practiceFinances for everyoneThis is research project of the organizations of Hanza media and the Faculty of Economics in Zagreb. These are workshops that introduce individuals to the basics of retirement planning, consumer protection, responsible spending, managing a personal budget, planning savings.CroatiaCroatianPresentationShow
Good practiceFinancial literacy for continuation of educationThe aim of the research was to collect data on the system of student financing in Croatia and compare them with data on financial support systems for students in selected countries of the European Union.CroatiaCroatianTextfileShow
Good practiceCredit line for women, young people and start-upsHrvatska banka za obnovu i razvitak (HBOR) (Croatian bank for Reconstruction and Development) encourages entrepreneurship of young people, women and start-ups with a special credit line, tailored just for them, with favourable interest rates. Credit is earmarked for investment in basic assets for business start-up and modernisation, introducing new technologies, increase in capacities, including tourism, development and introduction of new products and services and promoting new employment.CroatiaCroatianWebpageShow
Good practiceMartha - how to live responsibly, sustainable and economicalThe Martha organisation works for a better world, one everyday at a time. Martha is Finland's largest and oldest Swedish speaking women's organisation. Martha promote everyday courage by highligting the simple everyday life, the joy of everyday life and the small steps for at better world for all families. A homepage with information and suggestions. How to live responsibly, economically and sustainable. Third sector organisation, originally a network för women sharing best practises, currently a force to count on.FinlandSwedishWebpageShow
Good practiceBenefits of renting a homeShort video about the benefits of renting a home in FinlandFinlandEnglishVideoShow
Good practiceStudent union advise on personal economyThe Swedish speaking student union in Finland has put together a list of advices on how to plan a budget as a student.FinlandSwedishWebpageShow
Good practiceUnderstanding money management across different life stagesAttitude to money management changes across the different stages of life. It develops and increase mostly from the age of 16 and grow when the teenager starts to assume greater life responsibilities. Teenagers’ money management capacity depends on the knowledge they acquire from their familiar and educational background. They first learn from the familiar context, especially through their parents and how they pay attention to money management. The secondary context in which teenagers gain money management skills is school. Precisely they benefit from financial literacy education, such as commerce, economy and accounts stream. Individuals between 16 and 20 live an important adjustment of their managment money capabilities when they start work in a part time or full time job, whereby they have to manage their own money and eventually save it through a bank account or a credit card.MaltaEnglishWebpageShow
Good practiceDifferent aspects of financial literacy explainedThis page helps the learning process through a portfolio of websites that can help not only to gather ideas which you can include in your annual syllabus but also offer the possibility to interact with other teachers within the EU to exchange views and share consumer education news and experiences.MaltaEnglishWebpageShow
Good practiceteenagersThe article provides a useful list of recomendation by whom teenagers can save money. For instance they can open up a savings account. They can find a part-time or a summer job or make use of financial products, such as those offered by Banks. In addition they can also keep track of money they earn and, most important, plan ahead how they can spend it, such as engaging in positive financial behaviors or increase saving what they already have. The most important thing is that they understand the value of the money even when they are really young and they become equipped with the financial capability tool kit to manage your finances and plan ahead for their future.MaltaEnglishWebpageShow
Good practiceEuropean Money QuizThe European Money Quiz is a European competition on financial literacy for 13-15 year-olds. To participate, teachers must register their students to your national banking association. Practice questions are available in more than 21 languages.EUGermanWebpageShow
Good practicePrize of the Bankers’ AssociationThe Austrian Bankers’ Association awards the above prize, totalling EUR 15,000, for excellent research papers contributing towards the promotion of the Austrian banking industry and focusing on matters of business and banking law. It is intended to support papers by young researchers addressing bank-related topics, in particular in the field of company law, capital market law, banking law, tax law or economics.AustriaGermanWebpageShow
Good practiceSCHOOL BANKERUnder the motto “Be the boss yourself once”, secondary school students can take a seat in the executive office of a virtual bank and experience first hand how business and competition work.AustriaGermanWebpageShow
ProjectStudy: Socializing challenges young people's financesAgreements with friends can go hard on young people's wallets. This is shown by a new study on young people's finances and consumption habits, which Finans Danmark and the Consumer Council Think are behind. About the study: Finans Danmark and Consumer Council Thins analysis of young people's financial situation and consumption habits has been made on the basis of a questionnaire analysis among 1,005 young people between the ages of 18 and 30. Among other things, they are asked how young people see their own personal finances, how often they do not get their bills paid, and whether they receive support, advice and guidance from parents or others. The answers from the questionnaire are weighted so that they match the population in relation to the young people's age, gender and the distribution by regions.DenmarkDanishWebpageShow
ProjectMoving away from home - Guide to managing your moneyExamples of young people's budgets in different situations Tips how to manage the personal spendings for young peopleDenmarkDanishWebpageShow
ProjectProject on foot again: Young economyUngØ is part of the project "On foot again". The aim is to help young people get an overview of their financial situation, and in this way help to ensure that they do not end up in debt. Young people who already have debt can get advice on how best to get rid of the debt again. The advisors are men and women who work with finances on a daily basis. It can e.g. be bank advisers, social workers, lawyers or the like. They advise on budgeting, debt, debt restructuring and how to make the best use of your available amount.DenmarkDanishWebpageShow
ProjectEvery fifth young person is left alone with personal financial challengesEvery fifth young person in Denmark has never received help, advice or guidance to keep track of their personal finances. At the same time, the same group of young people have the greatest need for help. This is shown by a new study from TrygFonden and Consumercounsil "Tænk"DenmarkDanishWebpageShow
ProjectYoung and private economyIn recent years, financial experts have sounded the alarm due to young people's lack of knowledge about personal finances . A third of young people do not know what interest rates mean and over half have never tried to set a budget. Therefore, several experts in the field, including the Consumer Council and the Danish Bankers Association, believe that economic understanding is needed on the timetable in primary and lower secondary school.DenmarkDanishTextfileShow
ProjectPositive balance in the accountEvery 9th young person has repeated payment problems. These young people not only have pain in the economy, they also have pain in their well-being - too bad finances often lead to sleepless nights, stomach aches, loneliness and shame over not being in control of the money.DenmarkDanishWebpageShow
ProjectYoung - debt, consumption and savingsLife is full of choices and priorities that may have major private financial consequences. Right now. And in the long term. Already in their teens, young people need to relate to how important it is for them to have the latest clothes or the latest smartphone. And if they can afford it. If they choose to buy a cell phone on hire purchase the phone must be paid off with interest - it means that they in one way or another must cut down on their future consumption on others areas. Later, their choices typically get even bigger importance when moving away from home and possibly may borrow for deposit on a rental apartment, new furniture, start of study, travel or purchase of own home or car. Everything together it is the choice that follows the young and can have great impact on their future lives.DenmarkDanishTextfileShow
ProjectSpiir wants to make young people throughout the Nordic region wiser about their financesForr almost 10 years, the Spiir app has helped Danish young people get better control of their finances. Now, rewards for healthy financial habits and easier transfers between accounts should help lure even more young people on board.DenmarkDanishWebpageShow
ProjectYoung peoples money problems20 young people tell how it feels to have pain in the economy. The stories run in very different directions from expensive loans to crime, from unemployment to homelessness, from gambling addiction to cash benefits. Studies show that up to 100,000 young people under 30 have debt and payment difficulties. With the book here, we get a personal and unique insight into what it is like to be one of the young people - what it is like to be "one of the money pressured". They tell honestly about the causes and consequences their personal finances have and have had for them. And the consequences underscore the importance of a healthy personal economy to function in other aspects of youth life.DenmarkDanishTextfileShow
ProjectOne euro at the timeA Martha projekt that focuses on teaching young people how to manage their private economyFinlandSwedishWebpageShow
ProjectStarta eget - start your own small businessA ERUF-funded project (2016-2020) with focus on starting up your own small business with al lot of ecnomical advice and overall financial knowledge. Currently managed by the Åland Chamber of Commerce - Ålands näringsliv.FinlandSwedishWebpageShow
ProjectInformation about saving, loans and ensuranceAX3 is a project that includes collaboration between the Bank of Åland and Ömsen Försäkringar. An all-incusive alternative with banking in Finland, Åland and Sweden as well as insurances, telephone and internet. Always close to you.FinlandSwedishWebpageShow
ProjectEconomic counsellingProjects that aim for advice and opportunity to economic counselling. Folkhälsan is a third sector association with main focus on everyones general well being in all aspects of life.FinlandSwedishWebpageShow
ProjectHundrEDA project that created a website with information, excersises and workshopmaterials on private economy.FinlandEnglishTextfileShow
ProjectYESYES (yrittäjyyden edistämiskeskus) means Centers for promoring entrepreneurship for young people. YES started as projects and functions as a distribution channel for various materials and business models in entrepreneurship education.FinlandSwedishWebpageShow
ProjectCash heroCash Hero is a mobile game created within a project, for high school students. In the game you learn to save, invest and take control of your finances. In Cashhjälte, the player lives into the young person's everyday life and makes choices regarding the young person's finances. In the game, the player gets to make common choices, create a balance between savings and consumption and learn about securities trading. A player who can grasp financial issues as a whole and collect both money balance and experience does best. The game has been developed and the financial content has been planned by Ekonomi och ungdom TAT, Nordea and Börsstiftelsen. The game is intended for 13-17 year olds and is made available free of charge to all players.FinlandSwedishOtherShow
ProjectAbout money - easy to readInformation and instructions on how to pay with cards, make the money last and how to pay bills. In easy to read Swedish. Formed within a project.FinlandSwedishWebpageShow
ProjectCheck the cashCheck the cash is a teaching material on personal finance for high school students. The purpose is to increase young people's interest in and knowledge of their own personal finances, and to facilitate teachers' teaching of personal finance issues. Check the cash is a collaboration project between Finansinspektionen, the Swedish Consumer Agency and the Swedish Enforcement Agency.FinlandSwedishWebpageShow
ProjectStudent? Start good money habits, now!The report focuses on the spending habits of the teenagers’ cohort. Among the main indicators at the base of the analysis, it is worth to mention teenagers’ household and lifestyle, their family income and financial literacy, whether they received any kind of financial education, their retirement capability. Furthermore, as it is widely agreed that some elements such as the student status, their family income and their future perspectives influence their financial capability, the study considers individual limitations as well. After pointing out the effectiveness of long-term educational initiatives, the report stresses the relatively high digital literacy of the considered cohort, and the consequent importance of online networks in spreading financial knowledge. The conclusions thus offer significant clues for the planning of future projects.MaltaEnglishTextfileShow
ProjectSteps for Effective Personal Finance Management and Planning8 steps that are the building blocks required to have good personal finance management and a healthy money management system.USAEnglishWebpageShow
ProjectINVEST Financial & Forecasting models for EntrepreneursIn 2018 the Malta Business Bureau launched the project ‘INVEST Financial & Forecasting models for Entrepreneurs’, which provides over 30 hours of financial education and training. The aim of the said project is supporting young people aged between 18 and 34 years in taking financial choices. The project includes the provision of specific data on national financial markets. The projects involves partners from abroad, among which the Mediterranean Bank Network.MaltaEnglishTextfileShow
ProjectFinancial capability as a life skill for teenagers"Life Skills- Developing Social Entrepreneurs" is a project held on March 2020 at San Ġorġ Preca College and addressed to students aged between 13 and 15 years. The programme was designed in such a way so that it can improve the understanding and knowledge of youth on social innovation and entrepreneurship, the programme’s course of study also develops the basic skills for learning, work and life. Each workshop covers a different subject, such as innovation, team work and confidence building, while each activity is planned to encourage them to use different sets of skills such as critical thinking and problem solving, communication and cooperation, creativity and imagination, active citizenship, digital competence and leadership.MaltaEnglishWebpageShow
ProjectIntroduction to Corporate FinanceThe free course “Introduction to Corporate Finance” is provided by KPMG Learning Academy of Malta and it is addressed to the general public, students and any interested audience. The course provides a basic knowledge of corporate finance mechanisms, including insights on financing modern firms and risk mitigation.MaltaEnglishWebpageShow
ProjectInvest+ Mentoring ProgrammeINVEST+ is led by the Malta Business Bureau in collaboration with the HSBC Malta Foundation. The project is aimed at improving the level of financial literacy in Malta through a series of mentoring sessions on finance, accounting, savings and investment. Students who took part in the project developed technical financial skills and deeper awareness of their money management habits.MaltaEnglishWebpageShow
ProjectDIFMEDIFME, standing for ‘Digital Internationalisation and Financial Literacy for Micro Entrepreneurs’ is an Erasmus+ Knowledge Alliances Project that brings together universities and businesses from Malta, Bulgaria, Germany, Greece, Ireland, Italy, and the Netherlands. It is led by the Malta Business Bureau, and its aim is to identify and address the existing gaps in the financial and digital skills of micro entrepreneurs.MaltaEnglishWebpageShow
ProjectFINANCIAL LITERACY ACCREDITED COURSEThe Ministry for the Family, Children’s Rights and Social Solidarity in collaboration with the Malta College of Arts, Science and Technology is offering an accredited course in Financial Literacy at MQF Award level 3 to those working with disadvantaged groups. The Financial Literacy course consists of 60 contact hours to equip the learners with the required skills to be able to pass on valuable information and support to vulnerable groups. The course comprises of two units: Managing Money – this will include modules on personal budget, savings, cash management, expense management, borrowing sensibly, loan & debt, financial abuse and inheritance management. Unit 2: Investment and Personal Finance Planning – this will include modules on child support, planning for the future, successful experiences, maximising income & earning power, opening a business and social security. This course is open for government employees working with disadvantaged groups and members/employees of registered voluntary organisations working with disadvantaged groups. An MCAST Certificate of Achievement will be awarded to those candidates who satisfy the 80% attendance criteria and achieve an overall pass mark in the course assessment.MaltaEnglishTextfileShow
ProjectInvestor AwarenessThe aim of the project is to raise awareness and provide an educational platform pertaining to financial investment instruments. The most known type of trading venue is what we call the Regulated Market. In Malta, there is only one Regulated Market which is the Malta Stock Exchange (‘MSE’) providing the structure for buyers and sellers to trade financial instruments. An MTF is a self-regulated financial trading venue, which acts as an alternative to the Regulated Market.MaltaEnglishWebpageShow
ProjectLearn to manage moneyThis project was launched in order to increase the financial literacy of high school students, especially those with unfavorable socio-economic status, and students of vocational programs.CroatiaEnglishWebpageShow
ProjectLet's become financially and digitally literateThis EU funded project implemented by a secondary vocational school and its partners aims to improve literacy by raising the level of digital and financial literacy of secondary school students through various activities with students and teachers.CroatiaCroatianWebpageShow
ProjectFinancial literacy of primary school pupilsDevelopment of children's (2nd-3rd grade of primary school) financial literacy through education on basic financial and economic concepts. Education is conducted through workshops in four models - needs and desires; terms such as money, currency and credit/debit cards; banks, credits and savings; smart consumer.CroatiaCroatianWebpageShow
ProjectOn the money trail"On the money trail" is a project for children, teachers, parents and all that hold an interest in financial education. The project's main goal is to create an interactive learning eBook for the financial education of pre-school childrenPolandEnglishWebpageShow
ProjectFinance for Non-FinancersThe aim of the project is to promote financial literacy of secondary school students by learning about current market conditions, financial concepts and consuemer behaviour.CroatiaCroatianWebpageShow
ProjectBUDI FIN - "BE NICE"A project by the Faculty of Economics in Zagreb for youth aged 16 - 25 where they wil learn more about their own spending habits and financial planning by cuducting research and personalised reports. It is free of charge and available also for secondary school teachers.CroatiaCroatianWebpageShow
ProjectWhy didn't we learn this at school?This project by Addiko bank in cooperation with Štedopis explains in a simple and understandable way how to plan your financial goals and provides in making informed financial decisions. It focuses on different financial areas such as cfredits for beginners, digital banking, online payments, psychology and money, and how to achieve your desires. It also deals with five important life events, sucha s buying a new flat or getting married, important for personal and family financial security. There is also a quiz where yu can check what you have learned.CroatiaCroatianWebpageShow
ProjectEntrepreneor of the futureThe aim of the project is to present the world of entrepreneurship to secondary school students through creation of a business model, development of marketing and brand strategy and gaining presentation skills required for presenting their own ideas to potential buyers and investors.CroatiaCroatianWebpageShow
ProjectCRO Financial Literacy, Twinning light projectThe aim of the project is to raise the level of financial literacy of consumers in the Republic of Croatia and to strengthen the administrative capacity of Directorate for Macroeconomic Analyses, Economy, Financial System, EU and International Financial Relations and its Financial System Sector within the Ministry of Finance, through developing procedures, improving cooperation with stakeholders as well as through raising public awareness activities, with the aim to raise consumers’ financial literacy in the Republic of Croatia.EUEnglishWebpageShow
ProjectCYCLES - Child and Youth Caretakers Financial Literacy and Entrepreneurship SkillsThe CYCLES project is set to improve entrepreneurship skills and financial literacy of child and youth care practitioners. The project developed the CYCLES training and the CYCLES Transferability and Evaluation Handbook.AustriaEnglishWebpageShow
ProjectEDU-FIN PROJECT: FINANCIAL LITERACY FOR YOUNG ADULTS AT RISKThe EDU-FIN project developed a participatory methodology and a curriculum on financial education addressed to young adults.AustriaEnglishWebpageShow
ProjectErste Financial Life Park (FLiP)The Erste Bank`s FLIP project offer two-hour tours for groups of students from 10 years of age and covers important themes related to financial literacy..AustriaEnglishWebpageShow
ProjectProject KARDEATHREE COINS is a social business that develops and implements financial literacy projects. Project KARDEA founded the first countrywide prize for financial education in schools. This award places exceptional projects and innovative approaches in the field of financial education in the limelight and helps to spread them.AustriaEnglishWebpageShow
ProjectFLin€VETFLin€VET aims to advance the development of a sustained and shared framework of Financial Literacy in the context of European Vocational Education and Training.AustriaEnglishWebpageShow
ProjectFinanceGOFinanceGO is an ERASMUS+ project that aims to train educators from different fields on how to carry out financial literacy courses for young adults at risk of social exclusion.EUEnglishWebpageShow
ProjectFinTuneFintune provides parents with a toolset to teach financial literacy in a digital world. Our app and digital money box (FINNY) gamify financial education and assist parents in their children’s learning process.AustriaEnglishWebpageShow
Project€uro Finance Driving LicenceThe € uro Finance Driving License is a concrete form of certified financial education that corresponds to the European Commission's requirement for financial education in the member states. This financial education offer is suitable for both young people and adults.AustriaGermanWebpageShow
ProjectFLIP2GOA converted double-decker bus provides financial education via seven interactive stations. A special station close to the rear door has been purpose-built for wheelchair users, who can play all the interactive games there.AustriaGermanWebpageShow
Tools and resourcesLendon: GET MANAGEMENT OF THE FINANCES: 25 TIPS FOR A BETTER PRIVATE ECONOMISTMost Danes have been frustrated with the economy. Some will experience short-term challenges, while others have long term financial challenges. But everyone has in common that you need some input on how your personal finances can be improved. And that's exactly what we want to give you here. In this article, we will inspire you with as many as 25 tips to get a better personal finances, and hopefully help you get rid of the financial frustrations you may have Good Saving Practices HOUSING, Rent, Housing benefit, Electricity bill TIPS TO MAINTAIN THE GOOD ECONOMY Whether you have just started on the above, or you have had your finances cut to the chase, you will always need to make sure you keep a good overview of the finances - and maintain it. Here we have gathered a few good tips that you can use to keep track. 1. Always have an updated budget, 2. Always have a buffer (savings), 3. Consider the possibility of additional workDenmarkDanishWebpageShow
Tools and resourcesManage your moneyEven if the students are not 18 years old yet, it is important to talk about the conditions and consequences of taking out a loan. A loan must be repaid and interest and other costs must also be paid. This is the focus of this course.DenmarkDanishWebpageShow
Tools and resourcesThe app: "The Pocket budget" Keep track of your spendingThis article focus on a project made by The danish Financial Supervisory Athority The app: "The Pocket budget" The article describes the APP as a tool to help to keep track of your personal spending by getting better control of what you spend yourmoney on The application of the APP provides the customer the following oppurtinies: Create a budget for the month and keep track of whether stay within your budget, Enter your expenses, Compare your spending over different months, Mark your fixed expenses that are carried over to the next month without having to enter them again, See your available amount on a daily basis, get a graphical overview of your spendingDenmarkDanishWebpageShow
Tools and resourcesFat on finance board gameThis project made by "ungdomsbyen" (youth village) In the specially developed board game, "Fat om Finanserne" students face the dilemmas of reality while vying to make financial choices A fun course in economics For ‘Fat on the Finances’, students learn how to prioritize their expenses, how to set a budget and which insurances are good and why. In this course in economics, students have to go through a role play where they have to decide on dilemmas about education, consumption and insurance. They become so preoccupied with the game that they do not discover how they have acquired new knowledge about personal finance and insurance. Students act a fictional person from the person is 15 years to 35 years. Throughout the game, choices are made i.a. concerning education, jobs, finances and insurance and students must deal with the consequences it will have. The course day consists of: - a short introductory course and review of important concepts within economics and insurance.DenmarkDanishVideoShow
Tools and resourcesEscape the debt trap: How to manage your finances with appsWith Apps for your mobile and tablet, it is easier to avoid expenses running wild. Here you will find a number of tips for the best apps that can help you keep track of your personal finances.DenmarkDanishWebpageShow
Tools and resourcesThe learning game LUXURYWith support from the Lauritzen Foundation, Dansk Folkehjælp has developed two learning games in collaboration with Copenhagen Game Lab and a number of teachers and students, targeted and adapted to the teaching of mathematics and social studies in 9th and 10th grade - and which is free to use. The class game LUXURY - web-based. The second edition is a web-based class game, where up to 5 groups with 1 - 6 students in each group, compete against each other to be able to buy the most LUXURY - by being good at solving arithmetic and math problems based in the private financial universe. All students can use their own PC / tablets etc. or you can have 1 - 2 per. group and then it can be calculated on paper etc. The board game LUXURY One version is a board game where 3-4 students play against each other and where the focus is on the strategic side of personal finance - i.e. that the students here gain a knowledge of how consumption, loans, debts and income are related, or perhaps even cause one to go bankrupt personally, because a balance between income and expenses has not been ensured. To order the game, contact your local Center for Teaching Aids or Danish People's Aid.DenmarkDanishVideoShow
Tools and resourcesLearn about money and personal finance with a bank trough gamesDanske Bank offers targeted educational offers that can strengthen students' knowledge of money and loans. The teaching materials have been prepared in collaboration with the mathematics teachers' association. Countless studies point to the same unfortunate trend. Danish young people have a lack of knowledge about personal finances. They are not able to make the right decisions and all too often they end up as bad payers. The bank would like to help solve this challenge and offers a package that can be used both in schooling, at the intermediate level and in schooling. The bank has developed various online platforms for use in teaching as well as teaching materials and an offer of guest teaching that complements the digital platforms. "Pengeby" (Money town) for 5-9 year olds Pengeby is built as a universe where students can try different games that provide a better understanding of money and personal finance. Pengeby can be played both at school and at home. "Control Your Money" for 10-15 year olds Control Your Money is a teaching material for use in mathematics teaching and in interdisciplinary courses. The universe consists of 8 missions, where students are faced with a series of choices and questions. Guest lessons in schooling Your schooling class can be visited by a bank adviser, who will give a presentation where students are introduced to relevant financial concepts.DenmarkDanishWebpageShow
Tools and resourcesBudget calculatorBudget calculator provided by MFSAMaltaEnglishOtherShow
Tools and resourcesTeachers’ CornerThe article focuses on the importance of professors in the field of financial education. For this reason the OECD recommends that financial education start as early as possible and be taught in schools. Including financial education as part of the school curriculum is a fair and efficient policy tool. In 2012, financial literacy was included as an optional component of the OECD Programme for International Student Assessment (PISA). PISA currently tests the attainment of 15-year-olds in mathematics, reading and science across 65 countries. The introduction of a financial literacy assessment will result in a unique international benchmark on the level of financial literacy of young people. The rich data will enable detailed investigations of the main factors associated with financial literacy levels and will help to identify policy measures that can be employed to improve levels in the future.MaltaEnglishWebpageShow
Tools and resourcesMalta Financial Services AuthorityMalta Financial Services Authority (MFSA) is the single regulator of financial services in Malta. The MFSA regulates banking, financial institutions, payment institutions, insurance companies and insurance intermediaries, investment services companies and collective investment schemes, securities markets, recognised investment exchanges, trust management companies, company services providers and pension schemes.MaltaEnglishWebpageShow
Tools and resourcesMy GEMMA Budget PlannerBuget Planner provided by GEMMAMaltaEnglishTextfileShow
Tools and resourcesStudents in further & higher education: money management and student loansThe webinar talks about money management tips for students. It explains the importance to talk directly with the parents about living expenses, such as bills or the cost of the school you decide to attend, as well as the importance to separate the needs to the thing you simply want. The webinar also focuses on how to get students loans: sometimes young people are misinformed and don't take the opportunities they might have. With students loans they can study and they can pay the money they have used when they have a full time job.MaltaEnglishVideoShow
Tools and resourcesBanking for studentsThe articles explains the basic rules for young students on how to invest money in banks. In fact, banks want to attract young people, even if their income is very low, because they will be future clients.MaltaEnglishTextfileShow
Tools and resourcesOnline money management toolsOnline money management tools. An overview of available tools and links.MaltaEnglishWebpageShow
Tools and resourcesGood advice about moneyAdvise about money. Easy to read. The brochure is a collaboration between the Swedish Competition and Consumer Authority, the web service unit Papunet / Kehitysvammaliitto and LL-Center.FinlandSwedishTextfileShow
Tools and resourcesBörsambassadörerna (stock exchange ambassadores)The stock exchange ambassadors, go around to high schools and lecture on economics. Webpage with information on set up and contact information.FinlandSwedishWebpageShow
Tools and resourcesPodcast - Äta sova spara (Eat, sleep, save)Finnish-Swedish podcast by two girls who talk about everyday finances and give tipsFinlandSwedishOtherShow
Tools and resourcesInformation about private economy for young people.Information about private economy for young people.FInlandSwedishWebpageShow
Tools and resourcesInfo om fakturor och kontrakt (information about invoices and contracts)Information about invoices and contracts.FinlandEnglishvideoShow
Tools and resourcesMoney don't grow on treesPamphlet on how to plan and handle your private finances. Published by the Consumer agency, Martha and Garanti-stiftelsenFinlandSwedishTextfileShow
Tools and resourcesEveryday tips for home and houseClean up your finances - this is how you get enough money The salary came, the salary went? The daily small and also simple choices have a surprisingly large impact on your finances in the long run. To help you, we have collected eight simple tips on how to clean your finances and fill in the daily gaps at checkout.FInlandSwedishWebpageShow
Tools and resourcesMeasuring financial literacyThe aim of the research is to gather information on financial behavior, attitudes and knowledge about the finances of Croatian citizens. An overview and presentation of results.CroatiaCroatianTextfileShow
Tools and resourcesCard business manualThe material presents the general characteristics of individual types of cards. Card brands in our market are shown, where and how you can use it.CroatiaCroatianWebpageShow
Tools and resourcesOn line payment; e-learningThrough e-learning you will learn how to make responsible decisions about your money and pay securely online.CroatiaCroatianWebpageShow
Tools and resourcesThe wallShort feature film about finance literacy, introduction to 3 animated films explaining savings, investment etc.CroatiaCroatianvideoShow
Tools and resourcesApp KunaAn App for raising awareness about the importance of financial literacy. By learning and recognising financial concepts, users gain knowledge and skills which can be used when starting employment. In addition, users can learn how to manage their budget more efficiently.CroatiaCroatianOtherShow
Tools and resourcesShort banking glossaryGlossary by the Croatian Banks Association explaining basic financial concepts (types of interests, cards, credits, exchange rates, accounts (foreign currency and giro account), IBAN etc.)CroatiaCroatianTextfileShow
Tools and resourcesChoose your future - mandatory pension and other fundsA video about investment in future through funds, mandatory pension, non-mandatory and other funds, depending on the needs and capabilities of beneficiariesCroatiaCroatianVideoShow
Tools and resourcesEuro-Aktiv onlineAs part of the Euro-Aktiv online program, contemporary topics are worked out together with the students. The tasks of central banks today as well as the personal handling of money are discussed.AustriaGermanWebpageShow
Tools and resourcesAnimated video about price stability for use in schoolsThis information package on price stability consists of an eight-minute cartoon, an information booklet for schoolchildren and a more detailed teacher booklet.AustriaEnglishVideoShow
Tools and resourcesFinancial literacy portal of Bank AustriaHere, educators will find various educational offers and information from Bank Austria and its cooperation partners on the subject of money and business, which bring more variety to the lessons.AustriaGermanWebpageShow
Tools and resourcesTeacher seminars at the Vienna Stock ExchangeThe transfer of knowledge about the capital market, the stock exchange and securities as part of the training of young people is an important investment in the future. That is why the Vienna Stock Exchange is facing up to this challenge and offering free educational opportunities for teachers.AustriaGermanOtherShow
Tools and resourcesThe Working Group for Business and Schools (AWS - Arbeitsgemeinschaft Wirtschaft und Schule)The Working Group for Business and Schools (AWS - Arbeitsgemeinschaft Wirtschaft und Schule) offers free teaching and learning materials on various economic topics and for all school levels.AustriaGermanWebpageShow
Tools and resourcesFinance and Risk Management (FiRi)Finance and Risk Management (FiRi) is a specialization at commercial academies that imparts in-depth knowledge from banking and insurance.AustriaGermanWebpageShow
Tools and resourcesFinance ABCThe Financial Market Authority (FMA) has identified the most important issues and typical risks for consumers in the financial and capital markets and provides information on this in clear language and simple infographics. Particular attention was paid to the prevention of investment fraud, among other things.AustriaEnglishWebpageShow
Methodologies and pedagogical approaches"Knowledge of healthy personal finances is not just for adults"An article describing the good pratices in the danish secondary school. FOCUS: Is it a good idea to buy in installments or take out a quick loan? If young people make the wrong financial decisions, it can have unforeseen financial consequences that reach far into adulthood. THEME WEEK: The Money Week once a year for 7th - 9th grade (week 11 every year) Finans Danmark joins forces with the Danish Mathematics Teachers' Association Learning Objectives: Young people must learn to take responsibility for their own finances, and they must be prepared to participate in society. In a course focusing on personal finance, students' mathematical skills can be linked to basic knowledge and concepts from the world of personal finance. Private economics in mathematics and social studies calculations related to percentage growth, including calculations regarding interest rates, loans and savings. In the teaching, a budget and assessment of the cost of loans can thus be prepared. This work can be done using digital tools, including spreadsheets, and can include the development and use of formulas. Themes: Knowledge about money, Manage your money and a theme booklet of Digital securityDenmarkDanishWebpageShow
Methodologies and pedagogical approachesTeaching materials: Learn about what it costs to borrow moneyIn this process, the focus is on what it costs to borrow money. We work with the concept of APR, annual percentage rate of charge, and comparing credit costs for different loans. T he course is aimed at 7.-8. grade. Estimated time consumption: 6-8 lessons. The process is divided into three phases. First, the overall topic, personal finance, is introduced, and in the next two phases, the focus is on loans and APR, respectively. During the course, the students must investigate what it costs to borrow. They need to find out that borrowing is linked to interest rates and fees, and they need to use APR to compare loans. Students should also compare the total credit costs for different loans. Differentiation can be made by the students either working with finished spreadsheets, or they can prepare the spreadsheets themselves after a thorough work with the mathematical problems. The number of assignments and questions as well as the organization of the students 'work can be selected and adapted to the individual class' level. The link to the material is as follows;
Methodologies and pedagogical approachesThe area of economics is about both personal economics and social economics as well as the students' ability to take a stand and act in relation to this. The teaching must enable the student to take a stand on economic issues and act in relation to their own finances and the economy of society. This can be done through insight into both global and local conditions and through a focus on the student's own behavior as a consumer and concepts such as economic growth and sustainability.DenmarkDanishWebpageShow
Methodologies and pedagogical approachesMoney managment Rules of Thumb for teenagers and young adultsThe article presents money management Rules of Thumb for teenagers and young adults are to follow, Rules of Thumb are useful short-cuts that nudge people of all ages and in different contexts to make financial decisions. Rules of Thumb are divided in 5 parts which explain to teenagers and young adults how manage money, this parts are: budgeting; spending; use of credit; short term saving; pension saving.MaltaEnglishWebpageShow
Methodologies and pedagogical approachesThe Savings goal trackerThe post presents the "Savings goal tracker", a tool created by the GEMMA team. The Saving goal tracker is a tool created in order to help young and adult people saving money. It can be used in order to establish the savings goals, for exemple a vacation, and the goal value, that is to say how much money the subject want to save in order to reach the goal.MaltaEnglishWebpageShow
Methodologies and pedagogical approachesTeaching children how to spend and saveTeaching teenagers how to save and spend is important to their present financial condition and to the future financial condition of their families. However it is valuable for another reason: helping to prepare childrens to be wise consumers can provide an opportunity for parents to do things with their children that are interesting and fun, and will increase their appreciation of the financial challenges which they face as a parent. Handled properly, this opportunity is educational and enriches family life, at the same time.MaltaEnglishWebpageShow
Methodologies and pedagogical approachesSort it outpamphlet with information about what the different letters a person gets from different companies (invoice, debt collection etc.) mean.FinlandSwedishTextfileShow
Methodologies and pedagogical approachesEkonomiska bekymmerA Kahoot on financial concerns. Do you know what they all mean? Requires a Kahoot account.FinlandSwedishOtherShow
Methodologies and pedagogical approachesBe able to, know, dareShort course for people interested in taking the next step from hobby to small business.FinlandSwedishOtherShow
Methodologies and pedagogical approachesMy money, my futureA textbook on personal finance for high schools. How to manage your money responsibly, save more and spend less, and how to invest wisely.CroatiaCroatianTextfileShow
Methodologies and pedagogical approachesPrice stability: why it matters?The video is intended to help understand the concept of inflation in school learning.CroatiaCroatianvideoShow
Methodologies and pedagogical approachesFinancial literacy in collegeThis brochure can be used by high school students to plan their enrollment more successfully, and by teachers as a tool to teach them how to financially prepare for enrollment. It talks about the cost of living while studying.CroatiaCroatianTextfileShow
Methodologies and pedagogical approachesFinancial literacy in Austria – focus on millennialsThis paper describes the first results from the second wave of the Austrian Survey of Financial Literacy (ASFL 2019). It investigates the current state of financial knowledge, behavior and attitudes in Austria. It explores differences among sample subgroups by gender, education and age, with a special focus on the subgroup of millennials.AustriaEnglishTextfileShow
Methodologies and pedagogical approachesMethodology and curriculum “Basic financial education for young adults" (Methodik und Curriculum „Finanzielle Grundbildung für junge Erwachsene)The methodology constitutes a guideline for NGOs and organizations working with young adults that wish to incorporate participative processes in their organizations in order to develop curriculums adapted to the needs and interests of their participantsAustriaGermanTextfileShow
Methodologies and pedagogical approachesFinancial Literacy in AustriaThis bilingual paper contributes to the body of evidence and analysis that will be required for the design of a national financial literacy strategy in Austria. It presents a mapping of the actors directly involved or with an interest in financial literacy, and the financial literacy initiatives currently being implemented in the country.AustriaEnglishTextfileShow
Policy paperEconomic introductory course - hhx (commercial high school) curriculum guidanceThis paper provides The curriculum guidance of the subjekt "Economic introductory course" consisting of the key topics: Market economy, Private economy and Economic methods. Private economy Themes: Income and life income, Consumption and buying behavior, Loans and savings, The private budget Learning Objectives Identify, formulate and solve problems related to personal financial decisions Learning Competences: Apply simple economic models, Develop a financial reasoning Collect, process and present information on personal financial matters Interpret and disseminate information on private financial matters Use mathematical and digital tools (basic insight into the digital possibilities)DenmarkDanishTextfileShow
Policy paperSubject: PASE (Personal finance, workplace theory, collaboration theory, business theory) for the preparatory basic education programme FGUPreparatory basic education - FGU The preparatory basic education is a flexible educational offer for young people under the age of 25 who have not completed or are in the process of a youth education and who are also not in employment. Subject PASE Documents: curriculum, didactic principles, teaching guidance, exam guidanceDenmarkDanishWebpageShow
Policy paperNow rules on settlement with quick loans are in placeThe Danish parliamant has today adopted the rules that settles with the expensive quick loans that have caught many citizens in unmanageable debt.DenmarkDanishTextfileShow
Policy paperGuide on taxes in FinlandGuide to how taxes function in FinlandFinlandSwedishWebpageShow
Policy paperPlan your budgetPart of the information on information and services for different life situations.FinlandSwedishWebpageShow
Policy paperIncome and expenses in balanceCompetition and Consumer Authority information on how to approach invoices and other financial factors.FinlandSwedishWebpageShow
Policy paperThe Provision of Financial Education in MaltaThis paper discusses the objectives underlying the role of financial education in compulsory education. It examines various definitions and paradigms underlying the concepts of financial literacy and financial competencies. It also identifies a number of content areas, skills, and values which are pertinent to financial education. This is followed by an overview of the criteria and areas of assessment that were tested for the first time in the first PISA exercise in financial literacy. An analysis of local educational provisions in the realm of financial education is also undertaken in an effort to bring to the fore aspects which need to be addressed in terms of policy, curriculum development, and practices. Finally this paper sets out to address potential routes in the development of local financial education and makes a number of suggestions in terms of research possibilities.MaltaEnglishTextfileShow
Policy paperMBA to award schools participating in Financial Literacy ChallengeThe Malta Bankers Association (MBA) announces that prizes will be awarded to the two competing schools which took part in the Financial Literacy Challenge (FLC) earlier this year and which formed an integral part of the activities of European Money Week (EMW). The objectives of the FLC are to promote awareness pertaining to financial literacy, financial education and financial inclusion, as well as to encourage the sharing of good practices amongst schools, teachers, students and other community members.MaltaEnglishWebpageShow
Policy paperDRAFT NATIONAL STRATEGY FOR RETIREMENT INCOME & FINANCIAL LITERACY KNOWLEDGE, PLANNING, ACTION 2016-2018Within the context of Malta there is today no strategy directed towards retirement planning and financial literacy. Although people invest in funds and shares, the proliferation of savings, investment, and insurance products available to consumer have increased the level of complexity faced in trying to comprehend the different choices available. The paper explains that financial education is fundamental for young people, since it let them understand the concepts of savings and budgeting and it let them have expenses under control. Furthermore, if individuals become financial educated, they are more likely to save for their retirement. For this reason, there is international recognition that financial education should be integrated into the school curriculum as part of a coordinated national strategy on retirement income and financial literacy. This assures that every child in a country is exposed to this subject maker through their school curriculumMaltaEnglishTextfileShow
Policy paperConsumer protection lawThis Act regulates the basic rights of consumers when purchasing products and services, the right to information and training, the right to association and legal protection.CroatiaCroatianWebpageShow
Policy paperTax lawThis law regulates the relationship between taxpayers and tax authorities that apply regulations on taxes and other public benefits.CroatiaCroatianWebpageShow
Policy paperHousing savings lawThis Act prescribes the conditions for the establishment of housing savings banks and the manner of their operation, the conditions for housing savings and housing loans, the procedure for providing and using state incentives to address the housing needs of citizens, and penal provisions.CroatiaCroatianWebpageShow
Policy paperFinancial literacy in Austria – focus on millennials (Finanzbildung in Österreich–Millennials im Fokus)This article summarizes the main findings from the second wave of the Austrian Survey of Financial Literacy (ASFL), the Austrian contribution to the OECD/INFE survey on adult financial literacy, which was conducted in spring 2019.AustriaGermanTextfileShow
Policy paperFinancial competence for all situations: financial education - are young people prepared for the future?Various competency models are discussed with a view to the goals and content of school finance education. It is about whether only individual, personal financial management should be conveyed, i.e. rather a pure theory or whether financial education should be embedded in a political and social context.AustriaGermanTextfileShow
Policy paperFinancial literacy among adolescents and young adults: perspectives of Austrian credit, insurance and debt advisory institutionsThe purpose of the thesis is to describe the point of view of Austrian credit, insurance and debt advice service institutions in the field of financial literacy of students and young adults. Ten experts were interviewed and the results were compared with the theoretical background and the outcomes analysed.AustriaGermanTextfileShow
ProjectIncreasing efforts to teach young people about personal finance in EuropeIt is not only in Norway that efforts are now being made to raise young people's competence in personal finance through teaching at school. Finans Norge worked for a long time to include finance in the new curricula that came this autumn, but also in other European countries, the financial industry plays an important role in this work. It emerges from a new report from the European Banking Association, EBF. They have recently published the report "Financial Literacy Playbook for Europe", based on a survey conducted across national banking associations in 35 European countries during the first half of 2020. Representatives of these associations meet regularly through the EBF Financial Education Group, led by Finans Norway's head of department Hilde E. Johansen. - In Financial Education Group, everyone is engaged in financial education in their respective home countries and are eager to inspire each other on how to teach young people about personal finance, says Johansen. The big joint project is the annual European Money Quiz, a competition where middle school students from all over Europe meet to compete to be the best in personal finance.NorwayNorskWebpageShow
Methodologies and pedagogical approachesYouth, economics and schoolThe Financial Literacy Initiative Foundation is among the leading organizations in the country in the field of developing and implementing programs and tools aimed at improving the personal finance management skills of various target groups.BulgariaBulgarianWebpageShow
Methodologies and pedagogical approachesYoung MoneyYoung Enterprise is a national charity. We motivate young people to succeed in the changing world of work by equipping them with the work skills, knowledge and confidence they need to succeed.UKEnglishWebpageShow
ProjectMaking Finance Personal: Project-Based Learning for the Personal Finance ClassroomProject-based learning involves activities designed to interest and motivate students as they learn. Give your student the power to succeed financially with this comprehensive personal finance project. Each section helps students practice the key personal finance skills they will need to use throughout their lives. The curriculum unit includes all the instructions, forms, and rubrics students need to complete the project. Teachers can select individual components or assign the entire project.usaEnglishWebpageShow
ProjectMoney quiz for secondary school classesNorway's largest bank and the Red Cross believe it is urgent to include personal finance in the curriculum for Norwegian children and young people. The Red Cross and DNB have developed a new learning tool called Lærepenger aimed at 5th graders. So far, 65 schools have agreed to the scheme. "Lærepenge" (Tuition fees) are mainly a digital learning tool where students will learn why it is important to save, what interest rates are, what are the pitfalls of buying things on credit and gaining an understanding of what things actually cost.NorwayNorskWebpageShow
Good practiceMillennials and Financial Literacy: A Global PerspectiveThe paper focues on the importance of Financial literacy for Millennials, as they face financial decisions that can have important consequences throughout their life. The financial choices that younger generations face are far more challenging than those faced by past generations. Individuals today must take on greater responsibility for decisions like investing in additional education and planning for retirement. When facing major decisions such as these, financia literacy is critical. A person is defined as financially literate when he or she correctly answers at least three out of the four financial concepts: Numeracy (Interest), Compound Interest, Inflation and Risk Diversification.USAEnglishTextfileShow
Good practiceBeginner's guide to managing moneyThe article draw up a beginner's guide to manage money and divide it in various steps: set up a budget in order to take control of the personal finances by establishing what are the main costs (living costs, household costs etc.); track the budget (with a budget planner); set a savings goal and invest savings.UKEnglishWebpageShow
Good practiceBudget planner toolThis link to a free Budget Planner puts you in control of your household spending and analyses your results to help you take control of your money. It allows the user to create a budget through an interactive best practice module that offers flexibility and guiudance in this process.UKEnglishWebpageShow
Good practiceOnline savings calculatorThis online calculator can help you understand how long it will take to save a specific amount, or how much you need to save to have enough by a particular date.UKEnglishWebpageShow
Good practiceMake money make senseThis video explains the benefits of budgeting and how to budget using clear examples and aimed at young people.UKEnglishVideoShow
Tools and resourcesGlobal Money WeekGMW is an annual global awareness-raising campaign on the importance of ensuring that young people, from an early age, are financially aware, and are gradually acquiring the knowledge, skills, attitudes and behaviours necessary to make sound financial decisions and ultimately achieve financial well-being and financial resilience.OECDEnglishWebpageShow
Tools and resourcesThe FEFE GameThe FEFE Game is a free mobile digital game to support the development of introductory accounting and finance skills for business which can be played on iPhones and Android phones. The game can be downloaded from the App Store and from Google Play.OECDEnglishOtherShow
Tools and resourcesResources for Teachers and EducatorsThis special section of provides information about and links to a collection of federal guides and curricula for teaching financial capability concepts.USAEnglishWebpageShow
Tools and resourcesMoney Smart for Young AdultsThe Money Smart for Young Adults curriculum helps youth ages 12-20 learn the basics of handling their finances. Money Smart for Young Adults consists of eight instructor-led modules.USAEnglishWebpageShow
Tools and resourcesResources and Downloads for Financial LiteracyYo can explore resources and downloads for educators seeking to help students learn financial concepts, practice money management, and build strong financial decision-making and economic-reasoning skills.USAEnglishWebpageShow
Tools and resourcesFinancial EducationOn the webpage for Financial education and youth, the OECD says that financial literacy is a core life skill for participating in modern society. Children are growing up in an increasingly complex world where they will eventually need to take charge of their own financial future. Therefore OECD has gathered recent research, strategies och tools that will help the countries around the world, improve the financial literacy among the youth.OECDEnglishWebpageShow
Tools and resourcesSmart Money - Personal Financial Educational WorkshopThe Smart Money is a digital community that offers financial education, backed up with tools and other resources.South AfricaEnglishWebpageShow
Tools and resourcesManaging MoneyYouthline was created in 1970 and forms a collaboration of youth development organisations across New Zeeland. Youthline maintains a large website with a lot of information for ypung people. One part is the Advice Hub, and one part of the hub is celled Beyond School. In the Beyond School section you can find for instance Managing Money, with economical information.New ZeelandEnglishWebpageShow
Tools and resourcesBest Ways to Manage Your Money BetterYoung and Thrifty has been named the Best Personal Finance Blog in Canada and by breaking down confusing jargon into fun, bite-sized chunks. Young and Thrifty posts are basically what people should have learned in high school. Everything from tips on budgeting, to online banking hacks, discount brokerage reviews, and the Ultimate Guide to Canada’s Robo Advisors.CanadaEnglishWebpageShow
Tools and resourcesFinancial literacy programsThe government of Canadas webpage where they gther different tools for helping young people learn about finances and economy.CanadaEnglishWebpageShow
Policy paperHungary: fostering financial literacy skills in VETEducation programmes at different education levels of financial literacy - Building on the results of national and international (OECD) comparative surveys, a national medium-term strategy on financial literacy aims to support financial skills acquisition and proficiency of the Hungarian population and is being implemented in the period 2017-23 within the framework of two-year consecutive action plans managed by the Ministry of Finance.HungaryHungarianWebpageShow
Policy paperFinancial literacy for young peopleAt Bank of Ireland developed a Youth Financial Wellbeing programme which is available to primary and secondary schools for delivery in the classroom and for parents to introduce the concept of financial wellbeing to their children at home.IrelandEnglishWebpageShow
Policy paperCapacity building in financial literacyEconomic education at the school level gives a real opportunity and chance to create well-educated society making conscious financial decisions, conscious about market mechanismsPolandEnglishTextfileShow
Policy paperConsumer protection and finacial literacyIn this Act CNB accepts suggestions, complaints and notifications from consumers, answers eligible enquiries, publishes interpretative opinions and conducts inspections of supervised financial institutions.The Czech RepublicEnglishWebpageShow
Policy paperFinancial Education Plan - SpainFinancial Education Plan of Banco de España and the CNMV to improve financial literacy of all citizens, implementing national financial education strategies in line with the OECD principles and recommendations, in the form of organised training days, workshops, conferences and seminars throughout Spain, including more than 500 schools every yearSpainEnglishWebpageShow