Go from a first paycheck to a working budget you actually stick to — the maths behind the money, then the habits that make it hold.
Percentages and decimals show up in every interest rate, discount, and tax line. Get these solid first and the rest of the course is arithmetic you already know.
Place value with decimals, comparing, and all four operations.
Converting between fractions, decimals, and percentages; percentage problems.
Ratios, proportions, scaling, and dividing quantities
Calculating profit, loss, simple and compound interest, and budgeting.
Before you can plan spending, you have to see it. These four build the habit of knowing what came in and what went out.
Understanding gross pay, net pay, and common deductions.
Logging spending, spotting patterns, and adjusting habits over time.
Balancing income and expenses using simple rules like 50/30/20.
Planning purchases ahead of time to avoid impulse spending.
Choosing an account, spotting the fees that quietly drain it, and understanding why starting early beats saving more later.
How the two main types of bank accounts differ and when to use each.
Common banking vocabulary like overdrafts and minimum balances explained.
Why saving matters, short vs long-term goals, and paying yourself first.
How long-term growth builds from reinvested returns, not just contributions.
The defensive half — debt that compounds against you, offers designed to be misread, and the deductions on every payslip.
Warning signs of predatory lending, minimum payment traps, and how to escape them.
Evaluating price, quality, and value before making a purchase.
Common scam tactics and how to recognise and avoid them.
Why taxes exist and the basic idea behind income tax, kept general.