Your Money Matters

A Financial Education Textbook


Your Money Matters has been designed for use with young people aged 14 – 16 and covers topics including spending and saving, borrowing, debt, insurance, student finance and future planning. It is the very first financial education textbook, and following the successful roll-out into schools in England in 2018 we are excited to bring nation-specific versions to Northern Ireland, Scotland and Wales, too.

The Money and Pensions Service and Martin Lewis, founder of, split the cost of developing these country-specific editions of Your Money Matters.

You can download all editions of the Textbook, along with the accompanying teacher’s guide, free of charge by following the links below. 

Have you used Your Money Matters with your students?

Young Money, together with Young Enterprise Scotland and Young Enterprise Northern Ireland, has partnered with the University of Edinburgh Business School to conduct an evaluation into the impact of Your Money Matters in schools across the UK.

We are looking for schools from across the UK to participate in this evaluation through completing surveys and taking part in case studies. The evaluation opportunities available are slightly different for each nation, so click on the link below to find out more about how you can get involved.

Find out more about the Your Money Matters evaluation

What is in the textbook?

The textbook contains facts and information as well as interactive activities and questions for the students to apply their knowledge. The chapters are as follows:

  1. Savings – ways to save, interest, money and mental health
  2. Making the most of your money – budgeting, keeping track of your budget, ways to pay, value for money, spending
  3. Borrowing – debt, APR, borrowing products, unmanageable debt
  4. After school, the world of work – student finance, apprenticeships, earnings, tax, pensions, benefits
  5. Risk and reward – investments, gambling, insurance
  6. Security and fraud – identity theft, online fraud, money mules

To provide additional support to teachers there is an accompanying teacher’s guide, which highlights areas of good practice, provides examples of curriculum integration, and showcases additional external support which schools can use to enrich their financial education provision.


The original Your Money Matters textbook for use in England (updated edition, January 2021) is now available for download.

Go to England Edition

Northern Ireland

The Your Money Matters textbook for use in Northern Ireland is now available for download.

Go to Northern Ireland Edition


The Your Money Matters textbook for use in Scotland is now available for download.

Go to Scotland Edition


The Your Money Matters textbook for use in Wales is now available for download in both English and Welsh.

Go to Wales Edition
Making the most of Your Money Matters

Making the most of Your Money Matters

Our range of Teacher Training will help you develop and deliver effective and engaging financial education within the secondary curriculum in a way that is real and relevant to your students.

Teacher Training
More resources on our Resource Hub

More resources on our Resource Hub

You can also visit the resource hub to access a range of financial education teaching resources and materials which can be used to complement the activities within Your Money Matters.

Browse resources

Contact our Advisory Service for support and guidance on how to make the most of Your Money Matters

020 4526 6389

Please note that we have been made aware of an organisation contacting individuals asking for donations in relation to the Textbook. We would never ask individuals for donations towards the Textbook and have not authorised any organisation to do this on our behalf. If you are approached, please contact Action Fraud on 0300 123 2040.