This free course was written by Martin Upton.
This course has been generously funded by the Chartered Accountants’ Livery Company Charity to ensure that young people have access to personal finance learning that will enable and empower them to make the best possible financial decisions now and in the future. For more information about the charity go to.
The course team would also like to thank the staff and students of Denbigh School, Milton Keynes for their help in the production of this course
The course and teacher’s resource pack were created by leading academics at the True Potential Centre for the Public Understanding of Finance (True Potential PUFin), a dedicated research and teaching centre of excellence based at The Open University Business School, funded by True Potential LLP. For more information go to True Potential PUFin.
Except for third party materials and otherwise stated (see terms and conditions), this content is made available under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 Licence.
The material acknowledged below is Proprietary and used under licence (not subject to Creative Commons Licence). Grateful acknowledgement is made to the following sources for permission to reproduce material in this free course:
Course image: © Eva-Katalin/iStockPhoto.com
Figure 3: National Savings and Investments logo: https://www.nsandi.com/
Figure 4: © Sagamanis/Getty Images
Section 1 Talking points: (Denbigh School, Milton Keynes) © The Open University 2017 https://creativecommons.org/ licenses/ by-nc-nd/ 3.0/
Section 12 Your first credit card: Martin Lewis of moneysavingexpert.com at Denbigh School © The Open University (2017) https://creativecommons.org/ licenses/ by-nc-nd/ 3.0/
Figure 1: © Wavebreak Media Ltd/123rf
Figure 2: from: http://www.which.co.uk/ money
Figure 3: photo © The Open University
Figure 4: © http://www.which.co.uk/ money
Figure 5: © michellegibson/iStockphoto.com
Extract from: Office for National Statistics (ONS) (2010) Access Internet Survey in Callaghan, G., Fribbance, I. and Higginson, M. (eds) (2012) Personal Finance, 2nd edn, Basingstoke, Palgrave Macmillan.
Figure 1: Alamy http://www.alamy.com/
Figure 2: © Adam Fagen in Flickr https://creativecommons.org/ licenses/ by-nc-sa/ 2.0/
Figure 4: drawing illustrating spoof website © The Open University 2017
Figure 5: compiled from iStockphoto.com
Section 1 Talking Points: (Denbigh School, Milton Keynes) © The Open University 2017 https://creativecommons.org/ licenses/ by-nc-nd/ 3.0/
Section 5 Comparison websites – not the full story: Martin Lewis (moneysavingexpert.com) at Denbigh School Martin Lewis of moneysavingexpert.com at Denbigh School © The Open University (2017) https://creativecommons.org/ licenses/ by-nc-nd/ 3.0/
Figure 1: IzfIzf /123rf
Figure 2: © Monkeybusinessimages/Getty Images
Figure 3: adapted from © Monkeybusinessimages/Getty Images
Figure 7: © Marcos Mesa/Sam Wordley/Shutterstock.com
Figure 8: Image: © The Open University; Ten pound note (c) Bank of England
6 Student loans – accumulating and repaying the debt : Martin Lewis (moneysavingexpert.com) at Denbigh School © The Open University (2017) https://creativecommons.org/ licenses/ by-nc-nd/ 3.0/
15 Session round-up: Martin Lewis (moneysavingexpert.com) at Denbigh School © The Open University (2017) https://creativecommons.org/ licenses/ by-nc-nd/ 3.0/
Figure 1: © Cheeky Chops/Getty Images (adapted)
Figure 2: © De-Ge/Getty Images
Figure 3: ©Viktor Gmyria/123RF
Figure 4 © MartinPrescott/Getty Images
Figure 5: © Andrey Popov/Getty Images
Figure 6: © Sturti/Getty Images
Figure 7: © Andriy Popov/123rf
Figure 5: © Reuters/CORBIS
Figure 6: © photo: Sturti/Getty Images
Section 6 The role of the Bank of England: (Andy Haldane) © The Open University
Section 8 Who are the lenders: (Jonquil Lowe) © The Open University
Section 10 Danger! Payday lenders (Hugh Strickland) © The Open University
Figure 1: Sonos: http://www.sonos.com/ en-gb/ home
Figure 2: © Sagamanis/Getty Images
Figure 3: left to right: ©annebaek/iStockphoto; avid-creative/iStockphoto.com; © Globalstock/iStockphoto.com; ©szefei/iStockphoto.com.
Figure 4: © Monika Wisniewska | Dreamstime.com
Figure 7: © CEFutcher/iStockphoto.com
2 Credit rating agencies and you: Martin Lewis (moneysavingexpert.com) at Denbigh School, Milton Keynes © The Open University https://creativecommons.org/ licenses/ by-nc-nd/ 3.0/
Figure 1: ©iStockphoto.com/stevecoleimages
Figure 3: © iStockphoto.com/fazon1
Figure 4: © John Lund/Drew Kelly/Getty Images
Figure 5: Royal Mail stamp: David Lloyd George © photograph catwalker/Shutterstock
Figure 6: © Brasil 2/iStockphoto.com
Figure 7: © iStockphoto.com/MachineHeadz/iStockphoto/LifesizeImages
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