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Examples of financial education programmes are listed below, by country:
General | European Union | Australia | Canada | France | Germany | Netherlands | New Zealand | Poland |Sweden | United Kingdom | United States | Eastern Carribean Currency Union
General
European Union
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Dolceta, www.dolceta.eu (in 26 languages).
This online consumer education tools for adults, supported by the European Commission, offers a platform which can be used by all EU Member States as a basis for developing national consumer financial education initiatives.
Australia
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The Financial Literacy Foundation, www.understandingmoney.gov.au
The Australian Government established the Financial Literacy Foundation in June 2005 to give all Australians the opportunity to increase their financial knowledge and better manage their money.
The Foundation aims to build the capacity of all Australians to better understand and manage financial risk, deal effectively with market complexity and take advantage of increased competition and choice in Australia's finance sector.
Canada
- Financial education for young people, Office of the Superintendent of Bankrupcy of Canada (in French).
This office of the Canadian government has developped financial education tools to raise the awareness of debt issues. These tools can be used by teachers, parents and other people dealing with young people financial education. Among these tools are: financial guides, comics, and a family game.
France
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Institut pour l’Éducation Financière du Public IEFP (Institute for the financial education of the public), www.lafinancepourtous.com (in French).
IEFP is an association created in 2006 whose aim is to encourage and promote financial education to the French. This website, targeted to all public, offers valuable and information to help the French make the right financial decisions.
- My retirement on-line (Ma retraite en ligne M@rel), www.marel.fr (in French).
This website, developed by the French government, provides tools for predicting the amount of retirement income, the age of retirement, as well as the consequences of deciding to retire before or after the normal retirement age.
- Managing your personal finances (Gérer son budget), CD-Rom (in French).
This CD-Rom, provided by the French National Institute of Consumption (Institut National de la Consommation), public corporation placed under the authority of the French Ministry in charge of Consumption, is targeted to the 16-25 years old. It is available in 8 languages and gives information related to personal budget and finances according to pratices from 8 European countries (Germany, Belgium, Spain, Greece, Italy, Portugal, United Kingdom).
- Les Clés de la Banque (the clues of banking), www.lesclesdelabanque.com (in French).
This service, provided by the French federation of banks, offers information and advice to help the public understand the different aspects of banking services and the best way to use them. This site is independent from any commercial company. No bank name or banking products are mentioned.
Germany
- Schülerbanking project, IFF (Institut für Finanzdienstleistungen) (in German).
This project was set up in Hamburg, 3 years ago. Created by the independent institute IFF, this program aims at developing financial education in schools. Pupils gathered in small groups analyse case studies based on real life under the supervision of teachers.
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Personal Economics – fit für die wirtschaft, Institute of German Economics IW (in German).
This program focuses on skills and interests, career options, and personal and family financial management, with lesson plans revealing how students’ decisions about education, careers, spending, and investing affect their economic role in society.
Netherlands
- CentiQ, http://www.centiq.nl (in Dutch and in English).
CentiQ is a collaboration of organisations within the financial sector, the government, consumer organisations and science who deal with financial decisions of the Dutch consumers. CentiQ’s ultimate objective is to achieve that financial consumers are well informed, educated, and interested, play an active role in the financial markets and can confidently make well-considered financial decisions.
New Zealand
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Getting your finances sorted, www.sorted.org.nz/home
An independent New Zealand website proposing clear information, tools, activities and calculators designed to help employer or employee better mange their finances, introduce kids to important money concept skills they will need for the future, help students get sorted on money matters, help retired or soon-to-be retired person work out how best to manage their nest egg, make people take the right decisions regarding their mortgage,…
Poland
- National Bank of Poland Economic Education Portal, wwwNBPortal.pl (in Polish).
Launched in 2003, the portal aims at providing and deepening knowledge about the economy and supporting other educational activities of the NBP.
Sweden
- Dare to Shop! (in Swedish)
Produced by the Swedish Consumer Agency and the Swedish Competition Authority, this site aims to increase young people’s knowledge about market operations.
United Kingdom
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The AXA Experiment (2005), United Kingdom.
AXA financial social experiment was launched in Brighton in November 2005. Its goal was to discover if access to professional advice and increased knowledge about financial planning could improve a person's financial well-being. The experiment involved 20 households from a Brighton community.
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This site provides information and free resources to help people to improve their financial capability. Financial Capability means being able to manage money, keep track of your finances, plan ahead, choose financial products and stay informed about financial matters.
- Support 4 Learning
The site contains links to resources for advisors, students and everyone involved in education, training and communities.These links will help people to choose, finance and support their education, training, lifelong learning, career planning and jobsearch.
- Now Let’s Talk Money Campaign
Campaign funded by the British government to tackle financial exclusion.
- Financial Literacy Resource Centre
To help adult learning practitioners find their way through all the financial education programmes, the Basic Skills Agency commissioned in 2004 a review of available resources for Financial Literacy. The aim was to produce a guide that would provide basic information about each resource along with an indication of topics covered and skill levels addressed.
- Money, tax and benefits
Produced by the Central Office of Information, Directgov provides information from across UK government departments on various topics including money management.
- UK Department for Children, School and Families (2007), Managing your money
Information, resources and advice for young people and for people working with young people on banking, loans, credit cards, savings accounts, debt and more.
- Personal Finance Education Group PFEG
PFEG is an educational charity whose mission is to make sure that all young people leaving school have the confidence, skills and knowledge in financial matters to take part fully in society. PFEG offers a range of advice and resources suitable for pupils of all ability levels, as well as reflecting different social, economic and cultural backgrounds. PFEG supports UK teachers working with children and young people aged 4 to 19.
United States
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US Department of the Treasury, Office of Financial Education
The Office works to promote access to the financial education tools that can help all Americans make wiser choices in all areas of personal financial management, with a special emphasis on saving, credit management, home ownership and retirement planning.
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CSREES’s Financial Security Program
United State Department of Agriculture Cooperative’s State Research, Education and Extension Service targets programs for youth, financially vulnerable populations, and consumers making financial decisions through their lifetime. The overall goal is for people to acquire the knowledge, skills, and motivation to build financial security. Programs focus on behavioral change, starting with achieving financial self-sufficiency, then stability. This site provides tools for consumers looking for education and community programs as well as tools for educators implementing financial education programs.
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US Federal Reserve banks Financial Education websites
This site from the Federal Reserve Bank of Chicago provide links to online financial education program which teach children, teens, and adults the basics of banking, budgeting, savings and checking accounts, credit and investing.
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The World Bank Programs:
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Financial Literacy World Bank Training Program “Money Matters: A Financial Literacy Training Program”. This two-day interactive workshop takes place approximately twice a year at the World Bank. Topics covered include tips on “balancing the books” in the household; how to develop a savings program, demystifying financial jargon, how the stock market works and how to read the Financial Times, which portfolio is appropriate for people and their family, how much people know about their family's pension, how to navigate the Internet to gather financial research information.
- World Bank Family Network WBFN Course “Become a Financial Guru” WBFN supports a variety of classes and seminars focusing on increasing financial literacy, personal budgeting skills and financial investment knowledge.
- The Initiative on Financial Security
The Initiative on Financial Security at the Aspen Institute is a policy program that uses a business-driven approach to create smart solutions that help Americans save, invest and own. IFS was founded in 2003, in response to the growing asset crisis in the United States.
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The Citigroup Financial Education Program
Citigroup Financial Education Program is a global, company-wide effort to identify, support and implement initiatives that help give individuals, families and communities the tools needed to make sound financial decisions. Citigroup's 10-year, $200 million global commitment is focused in three areas: Personal, Small Business and Institutional Financial Education.
- University of Illinois Working Woman’s Guide to Financial Security
This series of planning guides has been designed to help women of all ages develop the skills they need to handle their financial affairs successfully.
- IFS School of Finance financial capability packages
Managing money is a necessary part of life and the IFS School of Finance believes it should be an essential part of education too. That's why the IFS has developed comprehensive financial capability packages for 14-19 year olds and also for adults to help them manage their personal finances effectively.
- The NEFE High School Financial Planning Program
The NEFE HSFPP is intended for use as a public service to enhance the financial literacy of youth.
- The NEFE Teen Resource Bureau
The NTRB website is dedicated to improving financial literacy among teens by encouraging them to take an active role in understanding the basics of personal finance.
- Visa financial literacy
This website, managed by Visa, provides valuable tips, interactive tools and easy-to-use calculators to help you maintain your financial health and well being and tools, whether you are a school student, a young graduate setting out on a career, or a new cardholder using payment cards for the first time.
- VISA Practical Money Skills for Life
Visa has partnered with leading consumer advocates, educators and financial institutions to launch a national program to improve the nation's financial skills. It is designed to help educators, parents and students practice better money management for life.
- Tomorrow’s Money
The Bond Market Foundation (TBMF), a non-profit charitable and educational entity, has created a research-based suite of sites to provide basic information, confidence, motivation and financial education skill-building tools for four targeted groups: women (www.tomorrowsmoney.org), young people (www.tomorrowsmoney.org/youngpeople), Spanish speaking Americans (www.ahorrando.org - 'ahorrando' means saving in Spanish) as well as people facing financial decision making related to unexpected changes such as loss of a spouse, job or sudden disability (www.unwantedchange.org and www.cambiosinesperados.org).
- National Credit Union Administration’s Financial Education Library
The library provides brochures on how to best use a credit card.
Eastern Carribean Currency Union
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The Eastern Caribbean Central Bank Program
Since 2002, October has been celebrated as Financial Literacy Month in the eight member countries of the Eastern Caribbean Currency Union. The theme for Financial Literacy Month 2006 was “Manage Your Money, Enhance Your Life”. It was intended to promote awareness and understanding of the various savings and spending choices that impact the finances of individuals and households and to encourage a desirable balance between spending, borrowing, savings and investments in order to achieve a successful financial life.
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