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MSE’s Academy of Money
MSE’s Academy of Money

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This free course was written by Martin Upton in collaboration with Money Saving Expert. It was first published in May 2020 and last updated May 2022.

This course was created by The Open University with contributions and collaboration from The content unless otherwise stated in the course or in the acknowledgements below (or identifiable as third party content in the course) is owned and/or controlled by The Open University and/or and is made available subject to the Creative Commons 4.0 licence: licenses/ by-nc-nd/ 4.0/ [Tip: hold Ctrl and click a link to open it in a new tab. (Hide tip)] :

Please read and abide by the licence terms at all times.

Grateful acknowledgement is made to the following which is not subject to Creative Commons licensing unless stated as such.


13. Extract: Adapted from Callaghan, G., Fribbance, I. and Higginson, M. (eds) pp 109-10 (2012) Personal Finance (2nd edn), Basingstoke, Palgrave Macmillan.


Course image: The Open University

Figure 1: Roman Samborskyi/

Figure 2: designer491/

Figure 3:

Figure 4: garetsworkshop/

Figure 5: nito/

Figure 6: The Open University

Figure 7: The Open University

Figure 8: © Adam Fagen in Flickr licenses/ by-nc-sa/ 2.0/

Figure 9: WAYHOME studio/

Activity 12: artwork by The Open University. MAS ™ for illustration only and is a reputable company. Other identifiable and reputable Logos/Trademarks for purpose of illustration

Audio Visual


Video 1: Introduction to Session 1 by Martin Lewis: ©MoneySavingExpert

Video 2: Mark Fenton-O’Creevy, Professor of Organisational Psychology at The Open University Business School, speaking at the launch of the True Potential Centre for the Public Understanding of Finance on 14 November 2013 © The Open University

Video 3: A decision-making model: ©MoneySavingExpert


Audio 1: The modern way to shop: ©The Open University

Every effort has been made to contact copyright owners. If any have been inadvertently overlooked, the publishers will be pleased to make the necessary arrangements at the first opportunity.

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