opal-lagoon

Junior Money Skills

8-week programme | Ages 8-14

Financial foundations for young learners. We introduce core concepts through interactive scenarios that mirror situations children actually encounter. Topics include understanding value, distinguishing needs from wants, basic saving strategies, and earning awareness.

Sessions incorporate games and group activities rather than traditional instruction. Children learn by doing, making decisions in simulated environments where consequences are visible but not harmful.

Introduction to currency and value
Saving versus spending decisions
Goal-setting for purchases
Understanding earning and work
Basic budgeting concepts

£142.50

Children learning financial concepts through interactive activities

Detailed budget planning and tracking methods

Budgeting Essentials

6-week programme | Adults

Comprehensive budgeting framework for household financial management. We cover income tracking, expense categorization, allocation strategies, and adjustment techniques. Participants leave with functioning budgets tailored to their circumstances.

The course addresses common budgeting obstacles including irregular income, unexpected expenses, and behavioural patterns that undermine financial plans. We focus on sustainable approaches rather than restrictive methods that fail within weeks.

Income and expense tracking systems
Category-based allocation methods
Emergency fund establishment
Variable expense management
Budget adjustment and optimization

£187.00

Investment Foundations

10-week programme | Adults

Introduction to investment principles for those beginning their investment journey. We explain different asset classes, risk tolerance assessment, diversification strategies, and long-term planning approaches. The course demystifies investment jargon and builds practical understanding.

Content includes stocks, bonds, funds, and property investment basics. We emphasize understanding risk-reward relationships rather than chasing returns. Participants learn to evaluate investment options critically and align choices with personal goals.

Asset class overview and characteristics
Risk assessment and tolerance
Portfolio diversification principles
Investment account types and tax considerations
Long-term planning and compound growth

£264.75

Investment portfolio planning and analysis

Strategic debt reduction planning session

Debt Management Strategy

7-week programme | Adults

Structured approaches to managing and reducing debt. We cover prioritization methods for multiple debts, negotiation techniques with creditors, consolidation options, and credit score improvement strategies. The focus is on sustainable debt reduction rather than quick fixes.

Participants learn to distinguish between productive and problematic debt, understand interest calculations, and develop personalized repayment plans. We address the psychological aspects of debt stress and provide frameworks for maintaining progress.

Debt inventory and prioritization
Repayment strategy selection
Creditor negotiation techniques
Credit score understanding and improvement
Preventing future debt accumulation

£219.25

Retirement Planning Essentials

8-week programme | Adults 40+

Comprehensive retirement planning for those approaching or in later career stages. We examine pension options, retirement income sources, healthcare cost planning, and estate considerations. The course helps participants clarify retirement goals and create actionable plans.

Topics include state pension understanding, workplace pension optimization, personal pension options, and drawdown strategies. We address the gap between retirement expectations and financial reality, helping participants make informed decisions.

Pension system overview and entitlements
Retirement income projection
Healthcare and long-term care planning
Tax-efficient withdrawal strategies
Estate planning basics

£231.80

Retirement planning and future financial security

Teen Financial Independence

6-week programme | Ages 15-18

Preparing teenagers for financial independence as they approach adulthood. We cover banking basics, first earnings management, student finance understanding, and avoiding common young-adult financial mistakes. The course bridges junior education and full adult financial responsibility.

Participants learn about credit, debt risks, mobile banking, and basic investment concepts. We address peer pressure around spending and help teens develop their own financial values rather than simply following parental approaches.

Banking account management
First job earnings and tax basics
Student finance and loans
Credit cards and debt avoidance
Moving out financial planning

£156.40