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 be bringing nation-specific versions to Northern Ireland, Scotland and Wales, too.

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

You can download the Textbook, along with the accompanying teacher’s guide, free of charge by following the links below. Schools in Northern Ireland, Scotland and Wales will receive their free copies in 2021. 

Have you used Your Money Matters with your students?

If so, we would like to hear from you. Please take a few minutes to complete our survey and let us know how you have used Your Money Matters in your school and what you thought of it!

Go to survey

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).

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

Scotland (Coming Soon!)

The Your Money Matters textbook for use in Scotland will be available in March 2021.

Wales (Coming Soon!)

The Your Money Matters textbook for use in Wales will be available in both English and Welsh in September 2021.

Your Money Matters – An Evaluation

In 2019, with funding from the Money and Pensions Service (MaPS), we commissioned an external evaluation to understand what impact the textbook was beginning to make in schools, to inform how we continue to engage teachers and further the textbook’s use. We have now received further funding from MaPS to extend this evaluation into the devolved nations in 2021.

Read our Your Money Matters Evaluation Report
Making the most of Your Money Matters

Making the most of Your Money Matters

Book on to one of our free Regional CPD Training Events which 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

0300 6660 127

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.