KS3 PSHE lesson: how loot boxes and in-game currencies work, when gaming becomes gambling, and how to set limits. PPTX, worksheet, answers. One ready-to-teach KS3 lesson on the money side of gaming: how loot boxes and in-game currencies hide the real price, what “2% chance” actually means for your wallet, and where the line between gaming and gambling sits in GB law. It’s built for the new RSHE line on gambling-like content, with no lecturing and no shaming of gamers. Nobody is asked what they spend or play: the game (Skyforge Arena), the students and every price are made up. What’s inside 12 editable PowerPoint slides with speaker notes: gem-bundle starter, key words, Jay’s £20 gift card, odds and expected cost, the law, why it can still feel like gambling, protections, a made-up shop screen and a private limit plan 3-page B&W worksheet (PDF + DOCX): pence-per-gem table, key-word match, chest maths, an odds table, a gaming-or-gambling sort, “spot the pressure” and an exit ticket Full answer sheet: every price, expected cost and probability worked out 2-page teacher notes: timings, a 30-minute cut, differentiation, sensitivity and safeguarding guidance, curriculum map and a UK fact-check box with sources 50–55 minutes, with a 30-minute cut marked Students will Convert in-game currency into real pounds (2,800 gems for £19.99 → one 300-gem chest is worth £2.14) Work out the expected cost of a “rare” item at a stated 2% chance, and explain why it’s an average, not a guarantee (after 50 chests about 1 in 3 still don’t have it) Tell an in-game purchase, a loot box and gambling apart, using the “can it be cashed out?” test Spot pressure tactics (countdowns, “best value” stickers, gem-only prices) and safety features (drop rates, parental approval) Name the protections that exist and set their own private spending and time limit Maps to the DfE RSHE statutory guidance (in effect from 1 Sep 2026): risks of gambling-like content within gaming, including the accumulation of debt. Also supports PSHE economic wellbeing (managing risk in financial decisions) and KS3 Maths (unit pricing, probability). UK facts checked Nov 2026 (DCMS, Gambling Commission, industry principles, PEGI): most loot boxes aren’t gambling under the Gambling Act 2005 because prizes can’t be cashed out; skins betting on unlicensed sites is illegal gambling; the 2023 industry principles are voluntary, not law; and PEGI’s 2026 rating changes (new games with paid random items are rated PEGI 16). Sources are listed in the teacher notes. No real games, platforms or stores are named. Also in this series: Christmas money & New Year savings goals (KS3) · Returns, refunds & gift cards (KS3) · Christmas on a budget (KS3) · Spot the scam (KS3) · Best value? Unit prices (KS3) · Spot the money leaks (KS3) · Bills when you leave home (KS4) · Budgeting on your first wage (KS4, free). Educational resource, not financial advice. Example figures, Nov 2026.

KS3 PSHE lesson for January: turn gift money into a savings goal, compare simple and compound interest and choose where to keep it. PPTX, answers. One ready-to-teach KS3 lesson for the first weeks back in January: turn “I got money for Christmas” (or “I didn’t”) into a real savings plan, and finally explain interest and AER in a way Year 8 gets. Fictional students, example amounts and an example rate only, and nobody is asked what they were given. What’s inside 12 editable PowerPoint slides with speaker n

KS3 PSHE/Citizenship lesson: faulty vs change of mind, 30 days, online 14-day cancelling, gift receipts and gift cards. PPTX, worksheet, answers. What’s inside 12 editable PowerPoint slides with speaker notes, including a “Faulty or changed your mind?” decision flowchart 3-page B&W worksheet (PDF + DOCX): true/false starter, key words, timeline, five case cards, gift-card check, “what to say” script, myth busting and exit ticket Full answer sheet with model answers for every case card 2-page teacher notes: timings, a 30-minute cut, differentiation, sensitivity guidance, curriculum map and a UK fact-check box with sources 50–55 minutes, with a 30-minute cut marked Students will Tell the difference between a faulty item and changing your mind, and know why it matters Use the timeline: full refund within 30 days, repair or replacement up to 6 months, claims up to 6 years (5 in Scotland) Know the 14-day cancelling right for online orders and its exceptions (such as personalised items) Understand gift receipts, why the buyer has the rights, and what to check on a gift card (expiry date, terms, and what administration can mean) Practise a calm, polite “what to say” script that names the right UK facts checked Nov 2026 (gov.uk, legislation.gov.uk): Consumer Rights Act 2015 short-term right to reject (30 days); repair or replacement within 6 months; up to 6 years to claim (5 in Scotland); online 14 + 14 days; same rights on sale items; “no refunds” signs can’t take your rights away. Citizens Advice and House of Commons Library sources are named in the teacher notes. Fictional people and shops only: Zara, Leo, Mrs Hughes, Uncle Ray and Amir; Northgate Electricals and Pine & Co. No real retailer names or logos, and nobody shares what their family bought. Curriculum: KS3 Citizenship (functions and uses of money, managing risk, rights and responsibilities) and PSHE Association KS3 Economic Wellbeing (managing influences on spending; consumer rights and responsibilities). Also in this series: Spot the scam (KS3) · Best value? Unit prices (KS3) · Christmas on a budget (KS3) · Spot the money leaks (KS3) · Bills when you leave home (KS4) · Budgeting on your first wage (KS4, free). Educational resource, not legal or financial advice. Example figures, Nov 2026.

KS3 PSHE/Citizenship Christmas money lesson: plan a gift budget, see what pay-later does to January, map the payday gap. PPTX, worksheet, answers. One ready-to-teach KS3 Christmas money lesson: plan a gift budget, see what pay later does to January, and map the payday gap. Fictional families only, so nobody shares what their family spends. Works for any festive or gift-giving occasion. What’s inside 13 editable PowerPoint slides with speaker notes 3-page B&W worksheet (PDF + DOCX): £60 Okafor gift plan, Mel’s one PayLater calendar, January payday-gap timeline, exit ticket Full answer sheet with model responses 2-page teacher notes: timings, a 30-minute cut, sensitivity guidance, curriculum map and a UK BNPL fact-check box 50–55 minutes, with a 30-minute cut marked Students will Plan a fictional family’s £60 Christmas gift list (people first, then ideas, then prices), including a low-cost or no-cost gift Explain that buy now, pay later is borrowing, and what changed in the UK rules on 15 July 2026 Mark Aunt Mel’s one £120 plan (4 × £30) on a Dec–Mar calendar Shade the 6-week payday gap from 18 Dec to 29 Jan and suggest December changes UK facts, checked 9 Nov 2026: interest-free buy now, pay later from a separate lender (deferred payment credit) has been FCA-regulated since 15 July 2026. Affordability checks, clear pre-contract information including any late fee, and a route to the Financial Ombudsman for covered agreements. Shop-own credit and pre-15 July plans are out of scope. No lender brand names in the lesson. Sensitivity: fictional families only; works for any festive or gift-giving occasion. Only adults use pay later in the scenarios. Curriculum: KS3 Citizenship (budgeting, managing risk) and PSHE Association KS3 Economic Wellbeing (influences on spending, debt awareness). Also in this series: Budgeting on your first wage (KS4, free) · Bills when you leave home (KS4) · Spot the money leaks (KS3) · Spot the scam (KS3) · Best value? Unit prices (KS3). Educational resource, not financial advice. Example figures, Nov 2026. Christmas PSHE lesson, Christmas money, Christmas budget, gift budget, KS3, PSHE, Citizenship, economic wellbeing, financial education, buy now pay later, BNPL, borrowing, January, payday, budgeting, spending pressure, influences on spending, end of term, tutor time, Year 8, Year 9

KS3 money lesson: work out unit prices, read shelf labels (GB rules from Apr 2026) and judge multibuys, loyalty prices and was/now deals. Editable PPTX, worksheet, answers. One ready-to-teach KS3 lesson on getting real value at the shops. Students work out unit prices, read a shelf label and decide whether multibuys, loyalty prices and “was/now” offers are actually worth it. Everything uses a fictional shop, so nobody talks about their own family’s spending. What’s inside 12 editable PowerPoint slides with speaker notes 3-page B&W worksheet (PDF + DOCX): cereal starter, six-pair unit price challenge, “deal or no deal?” with five offers, exit ticket Full answer sheet with workings 2-page teacher notes: timings, a 30-minute cut, sensitivity guidance, curriculum map (Citizenship, Maths ratio/proportion, PSHE) and a UK fact-check box 50–55 minutes, with a 30-minute cut marked Students will Calculate and compare unit prices (per kg, per litre, per 100 g, per item) Find out that bigger packs aren’t always cheaper Judge multibuys, loyalty-card prices and reference (“was”) prices Use a 5-question value checklist that includes waste UK facts, checked Nov 2026: the GB Price Marking Order changes in force from 6 April 2026 (standard unit prices shown in store and online; both prices shown when a loyalty price applies). Also in this series: Budgeting on your first wage (KS4, free) · Bills when you leave home (KS4) · Spot the money leaks (KS3) · Spot the scam (KS3). Add the Tes links once those listings are live. Educational resource, not financial advice. Example prices, Nov 2026.

KS3 PSHE/Citizenship lesson: spot subscription, direct debit and buy now pay later “money leaks”, and keep, pause or cancel. Editable PPTX, worksheets, answers. One ready-to-teach KS3 lesson on the money that leaks out without anyone noticing: subscriptions and free trials, direct debits, and buy now, pay later. Fictional characters only, so nobody shares family money. What’s inside 15 editable PowerPoint slides with speaker notes 4-page B&W worksheet (PDF + DOCX), including a household “Money Leaks Audit” Full answer sheet 2-page teacher notes: timings, sensitivity guidance, curriculum map, fact-check box 50–60 minutes, with a 25-minute tutor-time cut marked Students will Explain the difference between a direct debit, a standing order and a recurring card or app payment See how free trials and small monthly subscriptions add up over a year Understand that buy now, pay later is borrowing, and why stacking several plans is risky Audit a fictional household statement and make a keep / pause / cancel plan UK facts, checked Nov 2026: the Direct Debit Guarantee; stopping a recurring card payment through your bank; buy now, pay later regulated by the FCA since 15 July 2026; new subscription rules from 1 January 2027 (reminders, cooling-off). Sources named in the teacher notes; all figures are labelled examples with fictional brands. Why teachers like it: non-specialist friendly · no brand names or logos · no tax · KS3-appropriate (students analyse adults’ and a household’s spending) · answers included. Curriculum: KS3 Citizenship: “the functions and uses of money, the importance and practice of budgeting, and managing risk”. PSHE Association Programme of Study 2026, KS3 Economic Wellbeing: attitudes to finance including debt; assessing and managing risk in financial decisions; managing influences on spending and what makes something good value for money. Also in this series: Budgeting on your first wage (KS4, free) · Bills when you leave home (KS4). Educational resource, not financial advice. Example figures, Nov 2026.

One ready-to-teach KS3 lesson on spotting common UK money scams (phishing emails, scam texts, fake shops and fake bank calls) and knowing exactly what to do: spot, stop, report. Students advise fictional adults, so nobody shares their own or their family’s experiences. What’s inside 14 editable PowerPoint slides with speaker notes 3-page B&W worksheet (PDF + DOCX): red-flag starter, Keep / Pause / Report card sort, “advise an adult” frame Full answer sheet 2-page teacher notes: timings, sensitivity guidance, curriculum map, UK fact-check box 50–60 minutes, with a 30-minute cut marked Students will Spot the red flags in phishing, smishing and fake-shop messages Explain why a bank will never ask for a code, PIN or a “safe account” transfer Use a spot → stop → report routine Know the UK places to report fraud and get help UK facts, checked Nov 2026: reporting to Report Fraud (formerly Action Fraud) / Police Scotland 101; calling your bank on 159; forwarding scam texts to 7726 and emails to report@phishing.gov.uk; 999 in an emergency. Why teachers like it: non-specialist friendly · fictional brands only · no tax · KS3-appropriate · answers included. Also in this series: Budgeting on your first wage (KS4, free) · Bills when you leave home (KS4) · Subscriptions, direct debits and BNPL: spot the money leaks (KS3). Add the Tes links once those listings are live. Educational resource, not financial advice. Example scenarios, Nov 2026.

KS4 PSHE/Citizenship lesson on the 4 bills first-time renters forget: council tax, energy, water, broadband. Editable PPTX, worksheets, answers, teacher notes. UK 2026. One KS4–KS5 lesson on the four bills new renters forget: council tax, energy, water and broadband — with UK rules checked Nov 2026. What’s inside Editable PowerPoint Worksheets (PDF + DOCX) including My Bills Calendar Full answers Teacher notes with fact-check sources (gov.uk, Ofgem, Ofwat, Ofcom) Students will Identify the four main household bills when leaving home Plot bills across a year and spot the council-tax Feb/Mar gap (10 instalments) Compare living alone (25% single-person discount) vs a flat-share split Read energy standing charge + unit rate without supplier brand names UK rules covered (plain English): 25% single-person council tax discount; all-student households; 10 vs 12 instalments; standing charge + unit rate; water company choice in England; broadband contract price rises shown in £ and pence since Jan 2025. Scotland/Wales/NI notes in teacher notes. Pairs with our free lesson: Budgeting on your first wage — https://www.tes.com/teaching-resource/-13636468 Educational resource, not financial advice. Example figures, Nov 2026.

Free KS4 budgeting lesson: plan a first month’s wage in £ with a given take-home figure. Editable PowerPoint, worksheets, answers and teacher notes. No tax maths needed. Ready-to-teach KS4 budgeting lesson using a given take-home figure — no tax maths required. What’s inside Editable PowerPoint lesson slides Printable student worksheets (PDF + DOCX) Full answer sheet Teacher notes with curriculum map and timings Students will Plan a first month on a given take-home wage in £ Separate fixed costs, flexible spending and savings pots See why four-weekly pay (13 paydays) differs from a calendar month Leave with a simple, reusable payday plan Why teachers like it Non-specialist friendly (take-home pay is given) UK four-weekly pay and annual-cost pots ÷12 B&W-printable worksheets; fictional characters only Answers included Curriculum: KS4 PSHE / Citizenship — financial education / economic wellbeing (budgeting for different circumstances). Timed for 50–60 minutes (30-min tutor-time cut marked). Next in this series: Bills when you leave home (KS4) — link to be added once Pack 2 is live. Educational resource, not financial advice. Example figures, Nov 2026.

One ready-to-teach KS4 lesson that busts the credit-score myths before students turn 18 and start signing phone contracts and tenancies. It’s about the credit file itself: what’s on it, who holds it, what helps or harms it, how to see it for free, and why it changes the price of borrowing. Everyone in the scenarios is a made-up adult aged 18+, and nobody is asked about their own or their family’s money. What’s inside 12 editable PowerPoint slides with speaker notes: myth-or-fact starter, what’s on a credit file, who holds it (credit reference agencies), score vs file, hard vs soft searches, why it matters (with APR in one line), checking your file for free and fixing mistakes, exit ticket and where to get help 3-page B&W worksheet (PDF + DOCX): six myth-busters, key-word match, 12 cuttable helps/harms cards (60 × 50 mm), a sort record, “advise our four” scenarios and an exit ticket Full answer sheet, with the source for every myth-buster 2-page teacher notes: timings, a 30-minute cut, differentiation, sensitivity and safeguarding guidance, curriculum map and a UK fact-check box with sources 50–55 minutes, with a 30-minute cut marked Students will Explain what a credit file holds (credit and bill payments, addresses, the electoral roll, public records such as county court judgments) and why different agencies’ files can differ Tell a credit file from a credit score, and a hard search from a soft search (checking your own file doesn’t lower your score) Sort 12 everyday actions into helps, can harm or no effect, including why a missed payment usually stays on a file for six years Advise four fictional young adults (a first phone contract, two missed payments, four applications in a week, a “thin file”) Know how to get a free statutory report, report mistakes, and why “credit repair” firms aren’t needed UK facts checked Nov 2026 (ICO, MoneyHelper, gov.uk): the free statutory report and the one-month response time, hard vs soft searches, the six-year rule, registering to vote from 16 (14 in Scotland and Wales), and APR as the borrowing twin of AER. Sources are listed in the teacher notes. No products or lenders recommended. No apps, lenders, cards, comparison sites, credit-builder products or score numbers appear anywhere, and there’s no “get a credit card to build your score” advice for teenagers. Curriculum: KS4 Citizenship (income and expenditure, credit and debt, financial products and services) and PSHE economic wellbeing (financial risk, borrowing and debt). Also works in careers or independent-living weeks. Also in this series: Bills when you leave home (KS4) · Spot the money leaks (KS3) · Christmas money & New Year savings goals (KS3). Educational resource, not financial advice. Example figures, Nov 2026.