Needs
Amounts already required, agreed or essential in this example.
Money skills for real choices
Make a money plan that works this week.
See what comes in, decide where it could go and turn one money choice into practical evidence—not another worksheet to forget.
Educational tool · use safe example figures · never enter bank details
Plan · choose · review
Money inKnow the total
Money plannedChoose on purpose
Money leftSee the result
Choose a context
What are you planning?
The same skill applies to personal money and a small venture. Only the labels and prompts change.
Money Plan Builder
Give every amount a job.
Three pots. Clear choices.
1Needs
2Wants
3Save & Grow
Three simple pots
Make the trade-offs visible.
There is no universal perfect split. The value is in seeing the choice, explaining it and changing the plan when circumstances change.
Wants
Flexible choices that can be compared, delayed or changed.
Save & Grow
Money held for a goal, buffer or future idea.
Goal Planner
Turn “one day” into a number.
Use an example or real goal that is safe to discuss. The estimate changes as the amounts change.
Money missions
Practise one skill in real life.
Complete a mission and keep a short note or safe example as proof. Progress counts because something was done—not because points were collected.
Compare a price
Check the same or similar item in three places. Note total cost, size or quality—not only the headline price.
Plan one purchase
Choose a real or example purchase. Record the cost, reason, alternatives and what you would give up to buy it.
Track seven days
Use safe rounded figures to record where money went and identify one pattern worth discussing.
Set a money goal
Choose an amount, a regular contribution and one action that would keep the goal moving.
Cost a mini venture
Estimate materials, selling price and number of customers for a small practice idea.
Write a reflection
Explain one money choice, what influenced it and what you would do differently next time.
0 of 6 completeChoose one mission to begin.
Explain the choice
Make the learning visible.
A short reflection turns a calculation into evidence of decision-making, comparison and self-management.
Choose. Explain. Improve.
Useful evidencePlan + reason + result + reflection
Money Plan Pack
Keep the plan, goal and proof.
Your pack combines the budget, goal estimate, completed missions and reflection.
For parents and carers
Try a 10-minute money check-in.
Use a safe example. Keep the conversation about choices and trade-offs rather than testing whether a young person knows the “right” answer.
Ask “What matters most in this plan?”
Compare one alternative without taking over the decision.
Review what happened and change the plan together.
Useful answers
Before you start.
Use rounded examples and a supporting adult where appropriate. The tool teaches planning; it does not recommend products or investments.
Is this financial advice?
No. This is an educational planning activity. It helps a learner see money in, planned amounts and money left, but it does not recommend a financial product, investment or fixed spending split.
Should a child enter bank or card details?
No. Use rounded example figures or a safe allowance, project or mini-venture scenario. Never enter bank details, card details, passwords, account numbers or confidential family information.
Can the plan use weekly and monthly figures?
Yes. Choose one period and keep every figure in that same period. The tool labels the output clearly so a weekly example is not confused with a monthly one.
Does Nu FOCUS store the figures?
No. The figures are not sent to Nu FOCUS. If Remember this plan is selected, the draft is kept for up to 30 days on the device being used and can be cleared at any time.
Keep practising
Build money confidence through real decisions.
Explore Starz learning for a wider financial literacy and enterprise journey.