Finance and careers

Lesson Title: Finance – What is Disposable Income? (PSHE / Financial Education)
This interactive and practical KS4 PSHE lesson introduces students to the concept of disposable income and how everyday financial choices affect money management. Using relatable case studies and budgeting tasks, students learn the importance of balancing income, outgoings, and saving decisions in real-life scenarios.

Lesson Aims:

Define disposable income and understand how it is calculated

Identify sources of income and common outgoings (e.g. rent, bills, taxes)

Explore the difference between gross pay and net pay using example payslips

Discuss the impact of financial decisions on future budgeting

Evaluate when to spend, borrow, or save in realistic case study situations

Understand the role of tax, student loans, and other deductions

Apply knowledge to personal finance scenarios using basic calculations

Perfect for KS4 PSHE, Citizenship, or Careers education. Supports financial literacy, independent living skills, and future planning.