Finance and budgeting PSHE

Lesson Title: Finance – Credit vs Debit Cards (PSHE / Financial Education)
This practical KS4 PSHE lesson introduces students to the key differences between credit and debit cards. Through interactive activities, quizzes, and a persuasive speech task, students explore financial terms, responsible money management, and how choices around borrowing and spending can affect their future.

Lesson Aims:

Understand the key differences between credit and debit cards

Learn how credit cards function as a loan and the importance of repayment

Explore interest, overdrafts, and the basics of student finance

Identify the pros and cons of credit vs debit card use

Understand how a credit score works and what affects it

Develop critical thinking by evaluating financial decisions through a speech task

Reflect on budgeting and responsible spending habits

Ideal for KS4 PSHE, Financial Education, or Careers lessons. Supports financial literacy and future planning skills.