{"activityType":null,"activityCategory":"Activity","completionTime":"60","cost":"\u00A3","energy":"Energiser","equipmentList":[{"id":0,"name":null,"description":"Printed visual aids with definitions of loans, savings, stocks, shares, and ISAs.","type":"specific"},{"id":0,"name":null,"description":"Printed roleplay cards.","type":"specific"},{"id":0,"name":null,"description":"Cones, hoops and  objects for obstacle course.","type":"specific"},{"id":0,"name":null,"description":"Printed score card","type":"specific"}],"adjustments":"","firstProvidedBy":"","flexibilityStatement":"","groupSize":"Teams","guide":null,"meetsRequirements":[{"notes":"\u003Cp\u003EExplore different types of bank accounts, learn the difference between credit and debit or talk about the risks of using payday loans. \u0026nbsp;\u003C/p\u003E","subRequirementsToQualify":0,"numberOfTimeToComplete":2,"subRequirements":null,"tips":null,"optional":false,"id":85955,"nodeName":null,"title":null,"type":"","image":null,"assets":null,"headerOptions":null,"searchDescription":null,"subHeader":null,"browserTitle":null,"silktide":null,"canonicalUrl":null}],"countsTowardsBadges":[{"title":"Money Skills","sections":["Scouts"],"supportedBy":{"title":"HSBC UK","logo":{"url":"/media/13886/hsbc-uk.png?cc=0.036000910182936156,0,0.15397861070100011,0.0000000000000005614164825759\u0026width=800\u0026height=450\u0026v=1db822029340140","caption":"HSBC UK","type":"png","size":16071,"width":350,"height":350,"altText":"The HSBC UK logo set inside a white circle."},"content":{"layouts":[{"type":"sidebar","areas":[{"items":[{"gridType":"RichTextBlock","content":"\u003Cp class=\u0022rte-justify\u0022\u003EAs Scouts, we\u2019re used to dealing with money. We fundraise for charities, budget for camps, and raise money for jamborees as part of everything we do to build skills for life. Back by popular demand, we\u0027ve now expanded our Successful Money Skills programme for Beavers and Cubs by developing badges for Scouts and Explorers too. The activities focus on fun, active ways for young people to build their confidence and understanding around financial literacy.\u003Cbr\u003E\u0026nbsp;\u003Cbr\u003EThis isn\u2019t a new idea. Between 1916 and 1925, Scouts could earn the Thriftyman Proficiency Badge, which was all about the importance of practising saving from a young age. Today, we\u2019re taking it a little further. We\u2019re exploring how our money choices can benefit our community, learning about how different people use their money, and having plenty of fun with hands-on activities.\u003C/p\u003E","gtmId":"","gtmClass":""},{"gridType":"accordion","gtmId":"","gtmClass":"","showExpand":false,"items":[{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp\u003EResearch by the\u0026nbsp;\u003Ca id=\u0022menurprq\u0022 rel=\u0022noreferrer noopener\u0022 href=\u0022https://mascdn.azureedge.net/cms/the-money-advice-service-habit-formation-and-learning-in-young-children-may2013.pdf\u0022 target=\u0022_blank\u0022 title=\u0022https://mascdn.azureedge.net/cms/the-money-advice-service-habit-formation-and-learning-in-young-children-may2013.pdf\u0022 class=\u0022fui-Link ___1q1shib f2hkw1w f3rmtva f1ewtqcl fyind8e f1k6fduh f1w7gpdv fk6fouc fjoy568 figsok6 f1s184ao f1mk8lai fnbmjn9 f1o700av f13mvf36 f1cmlufx f9n3di6 f1ids18y f1tx3yz7 f1deo86v f1eh06m1 f1iescvh fhgqx19 f1olyrje f1p93eir f1nev41a f1h8hb77 f1lqvz6u f10aw75t fsle3fq f17ae5zn\u0022 aria-label=\u0022Link Money Advice Service\u0022\u003EMoney Advice Service\u003C/a\u003E tells us that we usually form our habits around money by the age of seven. That\u2019s why we worked with HSBC UK to design these badges for Beavers and Cubs. After three years of success, awarding over 200,000 Money Skills badges to our younger sections, the time has come for us to extend this opportunity to our Scouts and Explorers too!\u003C/p\u003E\n\u003Cp\u003EThe badges aren\u2019t about maths or teaching young people what they should and shouldn\u2019t do with their money. They build on young people\u2019s decision-making skills, help them learn about the things that might influence their choices, and introduce some different cultural practices around money. Above all, they give young people to chance to get stuck in and practise handling money and making their own choices.\u003C/p\u003E\n\u003Cp\u003EThe new Money Skills Activity Badges are our opportunity to help young people prepare to deal with money, both at Scouts and in their personal lives.\u003C/p\u003E","label":"Why Money Skills matters to Scouts"},{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp class=\u0022rte-justify\u0022\u003E\u003Cspan\u003EWe knew that this bad\u003C/span\u003E\u003Cspan\u003Ege needed to be shaped by expert knowledge, including knowledge of what leaders, young people, and parents wanted from the badges. \u003C/span\u003EWe set up a working group of diverse volunteers from different religious background\u003Cspan\u003Es and \u003C/span\u003Elocations\u003Cspan\u003E (\u003C/span\u003E\u003Cspan\u003Eand \u003C/span\u003E\u003Cspan\u003Ewith\u003C/span\u003E different learning styles and experiences\u003Cspan\u003E)\u003C/span\u003E\u003Cspan\u003E \u2013\u00A0and we learned a lot.\u003C/span\u003E\u003C/p\u003E\n\u003Cp class=\u0022rte-justify\u0022\u003EOf course, our priority was to make sure \u003Cspan\u003Ethe badges:\u003C/span\u003E\u003C/p\u003E\n\u003Cul\u003E\n\u003Cli class=\u0022rte-justify\u0022\u003Epromote learning by doing,\u003C/li\u003E\n\u003Cli class=\u0022rte-justify\u0022\u003Erelate to Scout experiences,\u003C/li\u003E\n\u003Cli class=\u0022rte-justify\u0022\u003Eand are as fun and active as possible.\u003C/li\u003E\n\u003C/ul\u003E\n\u003Cp\u003EWe worked with our dedicated volunteers to design the badge requirements, \u003Cspan\u003Ethen\u003C/span\u003E tested them around the UK. \u003Cspan\u003EPeople\u2019s f\u003C/span\u003Eeedback told us what worked best, and we\u003Cspan\u003E le\u003C/span\u003E\u003Cspan\u003Earned where we\u003C/span\u003E needed to make \u003Cspan\u003Echanges \u003C/span\u003Eto \u003Cspan\u003Emake every activity\u003C/span\u003E accessible to young people from all backgrounds.\u003C/p\u003E\n\u003Cp\u003EThe requirements are designed to \u003Cspan\u003Egive\u003C/span\u003E young people \u003Cspan\u003Ethe chance to \u003C/span\u003Ereflect on what they \u003Cspan\u003Ealready \u003C/span\u003Eknow about money, use the decision-making skills they already have\u003Cspan\u003E,\u003C/span\u003E and apply \u003Cspan\u003Etheir skills\u003C/span\u003E to financial \u003Cspan\u003Esituations\u003C/span\u003E.\u003C/p\u003E","label":"Designing the badges"},{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp class=\u0022rte-justify\u0022\u003E\u003Cstrong\u003E\u003Cspan\u003EThrough our research, we found that:\u003C/span\u003E\u003C/strong\u003E\u003C/p\u003E\n\u003Cul class=\u0022rte-justify\u0022\u003E\n\u003Cli\u003EYoung people wanted to learn how money works, how to make \u003Cspan\u003Emoney\u003C/span\u003E, and how to raise \u003Cspan\u003Emoney\u003C/span\u003E for others\u003Cspan\u003E.\u003C/span\u003E\u003C/li\u003E\n\u003Cli\u003EYoung people and leaders wanted activities that \u003Cspan\u003Eg\u003C/span\u003E\u003Cspan\u003Ei\u003C/span\u003E\u003Cspan\u003Eve young people the chance to\u003C/span\u003E practise \u003Cspan\u003Eusing\u003C/span\u003E money in a safe way\u003Cspan\u003E.\u003C/span\u003E\u003C/li\u003E\n\u003Cli\u003ESome \u003Cspan\u003El\u003C/span\u003Eeaders gave us advice on how to respectfully \u003Cspan\u003Ereference\u003C/span\u003E their religious practices around money.\u003C/li\u003E\n\u003Cli\u003E\u003Cspan\u003ESome leaders \u003C/span\u003Etold us how to engage young people who struggle with maths by creating practical and creative activities.\u003C/li\u003E\n\u003Cli\u003EParents wanted to make sure activities are respectful of\u003Cspan\u003E people\u003C/span\u003E\u003Cspan\u003E\u2019s\u003C/span\u003E different financial backgrounds\u003Cspan\u003E.\u003C/span\u003E\u003C/li\u003E\n\u003C/ul\u003E\n\u003Cp class=\u0022rte-justify\u0022\u003EThere are \u003Cspan\u003Efour\u003C/span\u003E requirements for Beavers, \u003Cspan\u003Efive\u003C/span\u003E for Cubs, four for Scouts and five for Explorers.\u0026nbsp;\u003Cspan\u003EWe\u2019ve created\u003C/span\u003E at least two new, practical, fun activities for each requirement, which have been tested and enjoyed by \u003Cspan\u003Ereal\u0026nbsp;\u003C/span\u003Egroups.\u003C/p\u003E\n\u003Cp\u003EIn the next couple of years, \u003Cspan class=\u0022rte-justify\u0022\u003Ewe\u2019ll release \u003C/span\u003Emore activities\u003Cspan class=\u0022rte-justify\u0022\u003E. \u003C/span\u003E\u003Cspan class=\u0022rte-justify\u0022\u003EDuring our testing,\u003C/span\u003E some \u003Cspan class=\u0022rte-justify\u0022\u003El\u003C/span\u003Eeaders invented their own activities \u003Cspan class=\u0022rte-justify\u0022\u003E\u2013\u0026nbsp;they\u003C/span\u003E blew us away with their creativity, so we\u003Cspan class=\u0022rte-justify\u0022\u003E\u2019\u003C/span\u003Ell be working with them later on in the project to include the\u003Cspan class=\u0022rte-justify\u0022\u003Eir\u003C/span\u003E\u003Cspan class=\u0022rte-justify\u0022\u003E ideas\u003C/span\u003E too\u003Cspan class=\u0022rte-justify\u0022\u003E.\u003C/span\u003E\u003C/p\u003E","label":"What you told us"}]},{"gridType":"RichTextBlock","content":"\u003Ch3\u003E\u003Cbr\u003EDiscover the new badges\u003C/h3\u003E\n\u003Cp\u003EHSBC UK have supported us to create a fun and practical new Money Skills Activity Badge for Beavers, Cubs, Scouts and Explorers. We\u2019ve created the badge using research from Young Money and working with volunteers and young people across the UK.\u003C/p\u003E","gtmId":"","gtmClass":""}]},{"items":[{"quoteText":"Don\u2019t expect to become rich all at once. To get to big things you have to begin with little things, just as before you grow to be a big adult you must be a small child.","attribution":"Wolf Cubs Handbook, 1916","gridType":"quote","gtmId":"","gtmClass":""}]}],"config":null},{"type":"threeColumn","areas":[{"items":[{"type":"Image top","cta":"Discover the badge","body":"\u003Cp\u003EGet the badge from the\u003Cspan\u003E\u0026nbsp;\u003C/span\u003E\u003Ca rel=\u0022noopener\u0022 href=\u0022https://shop.scouts.org.uk/new-in/explorers-money-skills-activity-badge-113751\u0022 target=\u0022_blank\u0022 title=\u0022Explorer Scout Money Skills Activity Badge\u0022\u003EScout Store\u003C/a\u003E.\u003C/p\u003E","link":{"name":"Money Skills","id":null,"url":"/explorers/activity-badges/money-skills-old/","newWindow":false,"target":null},"colour":"#f1f1f1","title":"Explorers Money Skills Activity 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We talked about saving, borrowing, and even investing.\u003C/p\u003E\n\u003Cp\u003ESaving means putting money aside for later. It\u2019s a great way to reach goals, like buying something special or being ready for emergencies. We also learned about ISAs \u2013 special savings accounts where your money can grow without paying tax on it.\u003C/p\u003E\n\u003Cp\u003EWe explored loans, which is when you borrow money and agree to pay it back later. Loans come with interest, which means you pay back more than you borrowed. That\u2019s why it\u2019s important to think carefully before borrowing.\u003C/p\u003E\n\u003Cp\u003EThen we looked at stocks and shares, which means owning a small part of a company. If the company does well, you can make money, but if it doesn\u2019t, you could lose money. It\u2019s a bit of a risk!\u003C/p\u003E\n\u003Cp\u003EThe biggest thing we learned is that every money choice matters. Spending now might mean missing out later.\u003C/p\u003E\n\u003Cp\u003EAs Scouts, being prepared also means being smart with money. We now feel more confident about saving, spending, and making good financial decisions \u2013 both now and in the future.\u003C/p\u003E\n\u003C/div\u003E\n\u003C/div\u003E\n\u003C/div\u003E\n\u003C/div\u003E\n\u003Cdiv class=\u0022flex min-h-[46px] justify-start\u0022\u003E\n\u003Cdiv class=\u0022touch:-me-2 touch:-ms-3.5 -ms-2.5 -me-1 flex items-center p-1 select-none -mt-1 w-full duration-[1.5s] focus-within:transition-none hover:transition-none pointer-events-none [mask-image:linear-gradient(to_right,black_33%,transparent_66%)] [mask-size:300%_100%] [mask-position:100%_0%] motion-safe:transition-[mask-position] group-hover/turn-messages:pointer-events-auto group-hover/turn-messages:[mask-position:0_0] group-focus-within/turn-messages:pointer-events-auto group-focus-within/turn-messages:[mask-position:0_0] has-data-[state=open]:pointer-events-auto has-data-[state=open]:[mask-position:0_0]\u0022\u003E\u003C/div\u003E\n\u003C/div\u003E\n\u003C/div\u003E\n\u003C/div\u003E\n\u003C/div\u003E\n\u003C/div\u003E","relatedActivities":null,"setting":[{"id":38381,"name":"Indoors"},{"id":38378,"name":"Outdoors"}],"supportedBy":{"title":"HSBC UK","logo":{"url":"/media/13886/hsbc-uk.png?cc=0.036000910182936156,0,0.15397861070100011,0.0000000000000005614164825759\u0026width=800\u0026height=450\u0026v=1db822029340140","caption":"HSBC UK","type":"png","size":16071,"width":350,"height":350,"altText":"The HSBC UK logo set inside a white circle."},"content":{"layouts":[{"type":"sidebar","areas":[{"items":[{"gridType":"RichTextBlock","content":"\u003Cp class=\u0022rte-justify\u0022\u003EAs Scouts, we\u2019re used to dealing with money. We fundraise for charities, budget for camps, and raise money for jamborees as part of everything we do to build skills for life. Back by popular demand, we\u0027ve now expanded our Successful Money Skills programme for Beavers and Cubs by developing badges for Scouts and Explorers too. The activities focus on fun, active ways for young people to build their confidence and understanding around financial literacy.\u003Cbr\u003E\u0026nbsp;\u003Cbr\u003EThis isn\u2019t a new idea. Between 1916 and 1925, Scouts could earn the Thriftyman Proficiency Badge, which was all about the importance of practising saving from a young age. Today, we\u2019re taking it a little further. We\u2019re exploring how our money choices can benefit our community, learning about how different people use their money, and having plenty of fun with hands-on activities.\u003C/p\u003E","gtmId":"","gtmClass":""},{"gridType":"accordion","gtmId":"","gtmClass":"","showExpand":false,"items":[{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp\u003EResearch by the\u0026nbsp;\u003Ca id=\u0022menurprq\u0022 rel=\u0022noreferrer noopener\u0022 href=\u0022https://mascdn.azureedge.net/cms/the-money-advice-service-habit-formation-and-learning-in-young-children-may2013.pdf\u0022 target=\u0022_blank\u0022 title=\u0022https://mascdn.azureedge.net/cms/the-money-advice-service-habit-formation-and-learning-in-young-children-may2013.pdf\u0022 class=\u0022fui-Link ___1q1shib f2hkw1w f3rmtva f1ewtqcl fyind8e f1k6fduh f1w7gpdv fk6fouc fjoy568 figsok6 f1s184ao f1mk8lai fnbmjn9 f1o700av f13mvf36 f1cmlufx f9n3di6 f1ids18y f1tx3yz7 f1deo86v f1eh06m1 f1iescvh fhgqx19 f1olyrje f1p93eir f1nev41a f1h8hb77 f1lqvz6u f10aw75t fsle3fq f17ae5zn\u0022 aria-label=\u0022Link Money Advice Service\u0022\u003EMoney Advice Service\u003C/a\u003E tells us that we usually form our habits around money by the age of seven. That\u2019s why we worked with HSBC UK to design these badges for Beavers and Cubs. After three years of success, awarding over 200,000 Money Skills badges to our younger sections, the time has come for us to extend this opportunity to our Scouts and Explorers too!\u003C/p\u003E\n\u003Cp\u003EThe badges aren\u2019t about maths or teaching young people what they should and shouldn\u2019t do with their money. They build on young people\u2019s decision-making skills, help them learn about the things that might influence their choices, and introduce some different cultural practices around money. Above all, they give young people to chance to get stuck in and practise handling money and making their own choices.\u003C/p\u003E\n\u003Cp\u003EThe new Money Skills Activity Badges are our opportunity to help young people prepare to deal with money, both at Scouts and in their personal lives.\u003C/p\u003E","label":"Why Money Skills matters to Scouts"},{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp class=\u0022rte-justify\u0022\u003E\u003Cspan\u003EWe knew that this bad\u003C/span\u003E\u003Cspan\u003Ege needed to be shaped by expert knowledge, including knowledge of what leaders, young people, and parents wanted from the badges. \u003C/span\u003EWe set up a working group of diverse volunteers from different religious background\u003Cspan\u003Es and \u003C/span\u003Elocations\u003Cspan\u003E (\u003C/span\u003E\u003Cspan\u003Eand \u003C/span\u003E\u003Cspan\u003Ewith\u003C/span\u003E different learning styles and experiences\u003Cspan\u003E)\u003C/span\u003E\u003Cspan\u003E \u2013\u00A0and we learned a lot.\u003C/span\u003E\u003C/p\u003E\n\u003Cp class=\u0022rte-justify\u0022\u003EOf course, our priority was to make sure \u003Cspan\u003Ethe badges:\u003C/span\u003E\u003C/p\u003E\n\u003Cul\u003E\n\u003Cli class=\u0022rte-justify\u0022\u003Epromote learning by doing,\u003C/li\u003E\n\u003Cli class=\u0022rte-justify\u0022\u003Erelate to Scout experiences,\u003C/li\u003E\n\u003Cli class=\u0022rte-justify\u0022\u003Eand are as fun and active as possible.\u003C/li\u003E\n\u003C/ul\u003E\n\u003Cp\u003EWe worked with our dedicated volunteers to design the badge requirements, \u003Cspan\u003Ethen\u003C/span\u003E tested them around the UK. \u003Cspan\u003EPeople\u2019s f\u003C/span\u003Eeedback told us what worked best, and we\u003Cspan\u003E le\u003C/span\u003E\u003Cspan\u003Earned where we\u003C/span\u003E needed to make \u003Cspan\u003Echanges \u003C/span\u003Eto \u003Cspan\u003Emake every activity\u003C/span\u003E accessible to young people from all backgrounds.\u003C/p\u003E\n\u003Cp\u003EThe requirements are designed to \u003Cspan\u003Egive\u003C/span\u003E young people \u003Cspan\u003Ethe chance to \u003C/span\u003Ereflect on what they \u003Cspan\u003Ealready \u003C/span\u003Eknow about money, use the decision-making skills they already have\u003Cspan\u003E,\u003C/span\u003E and apply \u003Cspan\u003Etheir skills\u003C/span\u003E to financial \u003Cspan\u003Esituations\u003C/span\u003E.\u003C/p\u003E","label":"Designing the badges"},{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp class=\u0022rte-justify\u0022\u003E\u003Cstrong\u003E\u003Cspan\u003EThrough our research, we found that:\u003C/span\u003E\u003C/strong\u003E\u003C/p\u003E\n\u003Cul class=\u0022rte-justify\u0022\u003E\n\u003Cli\u003EYoung people wanted to learn how money works, how to make \u003Cspan\u003Emoney\u003C/span\u003E, and how to raise \u003Cspan\u003Emoney\u003C/span\u003E for others\u003Cspan\u003E.\u003C/span\u003E\u003C/li\u003E\n\u003Cli\u003EYoung people and leaders wanted activities that \u003Cspan\u003Eg\u003C/span\u003E\u003Cspan\u003Ei\u003C/span\u003E\u003Cspan\u003Eve young people the chance to\u003C/span\u003E practise \u003Cspan\u003Eusing\u003C/span\u003E money in a safe way\u003Cspan\u003E.\u003C/span\u003E\u003C/li\u003E\n\u003Cli\u003ESome \u003Cspan\u003El\u003C/span\u003Eeaders gave us advice on how to respectfully \u003Cspan\u003Ereference\u003C/span\u003E their religious practices around money.\u003C/li\u003E\n\u003Cli\u003E\u003Cspan\u003ESome leaders \u003C/span\u003Etold us how to engage young people who struggle with maths by creating practical and creative activities.\u003C/li\u003E\n\u003Cli\u003EParents wanted to make sure activities are respectful of\u003Cspan\u003E people\u003C/span\u003E\u003Cspan\u003E\u2019s\u003C/span\u003E different financial backgrounds\u003Cspan\u003E.\u003C/span\u003E\u003C/li\u003E\n\u003C/ul\u003E\n\u003Cp class=\u0022rte-justify\u0022\u003EThere are \u003Cspan\u003Efour\u003C/span\u003E requirements for Beavers, \u003Cspan\u003Efive\u003C/span\u003E for Cubs, four for Scouts and five for Explorers.\u0026nbsp;\u003Cspan\u003EWe\u2019ve created\u003C/span\u003E at least two new, practical, fun activities for each requirement, which have been tested and enjoyed by \u003Cspan\u003Ereal\u0026nbsp;\u003C/span\u003Egroups.\u003C/p\u003E\n\u003Cp\u003EIn the next couple of years, \u003Cspan class=\u0022rte-justify\u0022\u003Ewe\u2019ll release \u003C/span\u003Emore activities\u003Cspan class=\u0022rte-justify\u0022\u003E. \u003C/span\u003E\u003Cspan class=\u0022rte-justify\u0022\u003EDuring our testing,\u003C/span\u003E some \u003Cspan class=\u0022rte-justify\u0022\u003El\u003C/span\u003Eeaders invented their own activities \u003Cspan class=\u0022rte-justify\u0022\u003E\u2013\u0026nbsp;they\u003C/span\u003E blew us away with their creativity, so we\u003Cspan class=\u0022rte-justify\u0022\u003E\u2019\u003C/span\u003Ell be working with them later on in the project to include the\u003Cspan class=\u0022rte-justify\u0022\u003Eir\u003C/span\u003E\u003Cspan class=\u0022rte-justify\u0022\u003E ideas\u003C/span\u003E too\u003Cspan class=\u0022rte-justify\u0022\u003E.\u003C/span\u003E\u003C/p\u003E","label":"What you told us"}]},{"gridType":"RichTextBlock","content":"\u003Ch3\u003E\u003Cbr\u003EDiscover the new badges\u003C/h3\u003E\n\u003Cp\u003EHSBC UK have supported us to create a fun and practical new Money Skills Activity Badge for Beavers, Cubs, Scouts and Explorers. We\u2019ve created the badge using research from Young Money and working with volunteers and young people across the UK.\u003C/p\u003E","gtmId":"","gtmClass":""}]},{"items":[{"quoteText":"Don\u2019t expect to become rich all at once. To get to big things you have to begin with little things, just as before you grow to be a big adult you must be a small child.","attribution":"Wolf Cubs Handbook, 1916","gridType":"quote","gtmId":"","gtmClass":""}]}],"config":null},{"type":"threeColumn","areas":[{"items":[{"type":"Image top","cta":"Discover the badge","body":"\u003Cp\u003EGet the badge from the\u003Cspan\u003E\u0026nbsp;\u003C/span\u003E\u003Ca rel=\u0022noopener\u0022 href=\u0022https://shop.scouts.org.uk/new-in/explorers-money-skills-activity-badge-113751\u0022 target=\u0022_blank\u0022 title=\u0022Explorer Scout Money Skills Activity Badge\u0022\u003EScout Store\u003C/a\u003E.\u003C/p\u003E","link":{"name":"Money Skills","id":null,"url":"/explorers/activity-badges/money-skills-old/","newWindow":false,"target":null},"colour":"#f1f1f1","title":"Explorers Money Skills Activity 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Take a look at our guidance on \u003Ca href=\u0022/volunteers/staying-safe-and-safeguarding/safety/planning-and-assessing-risk/running-active-and-wide-games/\u0022 title=\u0022Running active and wide games\u0022\u003Erunning active games safely\u003C/a\u003E.\u003C/span\u003E\u003Cspan\u003E\u003C/span\u003E\u003C/p\u003E"}],"safetyAlert":"","safetyTags":[],"deliveryMethods":"","permitRequired":false,"scoutLedQualifications":[],"guidance":null,"aalaRequired":false,"externalQualifications":[],"exceptions":[],"listingVideoUrl":"","disableBasicSafetyChecklist":false,"likes":0,"activitiesAdditionalInfo":{"inclusivityStatement":"\u003Cp\u003EAll Scout activities should be \u003Ca rel=\u0022noopener\u0022 href=\u0022https://www.scouts.org.uk/volunteers/inclusion-and-diversity/supporting-those-with-additional-needs-and-neurodiversity/reasonable-adjustments/badges-and-awards/\u0022 target=\u0022_blank\u0022 title=\u0022Guidance on flexibility\u0022\u003Einclusive and accessible.\u003C/a\u003E\u003C/p\u003E","standardSafetyAlert":"\u003Cp\u003EAll activities must be safely managed. You must complete a thorough \u003Ca href=\u0022/volunteers/staying-safe-and-safeguarding/risk-assessments/\u0022 title=\u0022Risk assessments\u0022\u003Erisk assessment\u003C/a\u003E\u0026nbsp;and take appropriate steps to reduce risk. Use the \u003Ca href=\u0022/volunteers/staying-safe-and-safeguarding/safe-scouting-cards/staying-safe-safety-checklist/staying-safe-leaders/\u0022 title=\u0022Staying Safe - Leaders\u0022\u003Esafety checklist\u003C/a\u003E to help you plan and risk assess your activity. Always get\u0026nbsp;\u003Ca href=\u0022/volunteers/running-your-section/programme-guidance/information-for-volunteers/general-activity-guidance-a-z/approving-activities-guidance-for-lead-volunteers/\u0022 title=\u0022Approving Activities - Guidance for Lead Volunteers\u0022\u003Eapproval for the activity\u003C/a\u003E, and have suitable\u0026nbsp;\u003Ca href=\u0022/volunteers/staying-safe-and-safeguarding/safety/planning-and-assessing-risk/guidance-for-supervision-of-activities/\u0022 title=\u0022Guidance for supervision of activities\u0022\u003Esupervision\u003C/a\u003E\u0026nbsp;and an \u003Ca href=\u0022/volunteers/running-your-section/intouch/\u0022 title=\u0022InTouch\u0022\u003EInTouch\u003C/a\u003E process.\u003C/p\u003E\n\u003Cp\u003EYou must run your activities in line with the \u003Ca href=\u0022/volunteers/staying-safe-and-safeguarding/safe-scouting-cards/safeguarding-code-of-conduct-for-adults-yellow-card/\u0022 title=\u0022Safeguarding Code of Conduct for Adults - Yellow Card\u0022\u003ESafeguarding Code of Conduct for Adults (Yellow Card)\u003C/a\u003E and report any concerns to the UK HQ Safeguarding Team.\u003C/p\u003E","basicChecklist":"\u003Cul\u003E\n\u003Cli\u003EComplete a \u003Ca href=\u0022/volunteers/staying-safe-and-safeguarding/risk-assessments/\u0022 title=\u0022Risk assessments\u0022\u003Erisk assessment\u003C/a\u003E\u003C/li\u003E\n\u003Cli\u003EHave the right \u003Ca href=\u0022/volunteers/running-your-section/adult-to-young-people-ratios/\u0022 title=\u0022Adult to Young People ratios\u0022\u003Eratios\u003C/a\u003E of number of adults to provide suitable\u0026nbsp;\u003Ca rel=\u0022noopener\u0022 href=\u0022/volunteers/staying-safe-and-safeguarding/safety/planning-and-assessing-risk/guidance-for-supervision-of-activities/\u0022 target=\u0022_blank\u0022 title=\u0022Guidance for supervision of activities\u0022\u003Esupervision\u003C/a\u003E\u003C/li\u003E\n\u003Cli\u003ESet up an \u003Ca href=\u0022/volunteers/running-your-section/intouch/\u0022 title=\u0022InTouch\u0022\u003EInTouch\u003C/a\u003E process\u003C/li\u003E\n\u003Cli\u003E\u003Ca href=\u0022/volunteers/staying-safe-and-safeguarding/safe-scouting-cards/safe-scouting-and-emergency-procedures/\u0022 title=\u0022Safe Scouting and Emergency Procedures\u0022\u003EKnow what to do in an emergency\u003C/a\u003E\u003C/li\u003E\n\u003Cli\u003E\u003Cspan\u003EShare information with parents and carers with an\u003C/span\u003E \u003Ca href=\u0022/volunteers/running-your-section/programme-guidance/general-activity-guidance/activity-information-form/\u0022 title=\u0022Activity information form\u0022\u003E\u003Cspan\u003Eactivity information\u003C/span\u003E\u003Cspan\u003E form\u003C/span\u003E\u003C/a\u003E\u003C/li\u003E\n\u003Cli\u003EGet \u003Ca href=\u0022/volunteers/running-your-section/programme-guidance/information-for-volunteers/general-activity-guidance-a-z/approving-activities-guidance-for-lead-volunteers/\u0022 title=\u0022Approving Activities - Guidance for Lead Volunteers\u0022\u003Eapproval from your Lead Volunteer.\u003C/a\u003E\u003C/li\u003E\n\u003C/ul\u003E","scoutLedAvailable":"\u003Cp\u003EThis activity can be led by you or someone else in Scouts:\u003C/p\u003E","permitRequired":"\u003Cp\u003EThe activity leader must have an \u003Ca href=\u0022/volunteers/running-your-section/programme-guidance/activity-permit-scheme/adventurous-activity-permit-scheme/\u0022 title=\u0022Adventurous Activity Permit Scheme\u0022\u003Eadventurous activities permit\u003C/a\u003E with the right level and permissions for your group.\u003C/p\u003E","externallyLedAvailable":"\u003Cp\u003EYou can go to a centre or use an activity leader who\u0027s not part of Scouts:\u003C/p\u003E","aalaRequired":"\u003Cp\u003E\u003Ca rel=\u0022noopener\u0022 href=\u0022https://www.hse.gov.uk/aala/index.htm\u0022 target=\u0022_blank\u0022 title=\u0022AALA licence\u0022\u003EAn AALA licence is required\u003C/a\u003E.\u003C/p\u003E","aalaExempt":"\u003Cp\u003EIf the provider is exempt from the AALA licence.\u003C/p\u003E","publicLiabilityInsurance":"\u003Cp\u003EThe provider must have public liability insurance.\u003C/p\u003E","actvityLink":"/activities/"},"duration":60,"instructions":{"layouts":[{"type":"singleColumn","areas":[{"items":[{"gridType":"RichTextBlock","content":"\u003Ch3\u003EBefore you begin\u003C/h3\u003E\n\u003Cul\u003E\n\u003Cli\u003EUse the \u003Ca rel=\u0022noopener\u0022 href=\u0022/volunteers/staying-safe-and-safeguarding/safe-scouting-cards/safety-checklist-cards/safety-checklists-for-team-members/\u0022 target=\u0022_blank\u0022 title=\u0022Staying Safe - Section Volunteers\u0022\u003Esafety checklist\u003C/a\u003E to help you plan and risk assess your activity. There\u2019s also more guidance to help you carry out your \u003Ca rel=\u0022noopener\u0022 href=\u0022/volunteers/staying-safe-and-safeguarding/risk-assessments/\u0022 target=\u0022_blank\u0022 title=\u0022Risk assessments\u0022\u003Erisk assessment\u003C/a\u003E, including examples.\u003C/li\u003E\n\u003Cli\u003EMake sure all young people and adults involved in the activity know how to take part safely.\u003C/li\u003E\n\u003Cli\u003EMake sure you\u2019ll have enough adult helpers. You may need some parents and carers to help.\u003C/li\u003E\n\u003C/ul\u003E\n\u003Ch3\u003EPlanning and setting up the activity\u003C/h3\u003E\n\u003Cul\u003E\n\u003Cli\u003EFactor in the way in which you want to deliver the activity to your group, whether it be through obstacle course, walk in the local area or an alternative. Make sure your risk assessment for the session and other usual safety processes have been followed as required.\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003EUse cones to mark out a course or boundary for the game. This could be an obstacle course or a simple relay track or you could take your young people on a walk and come across the scenario cards along the way.\u003C/li\u003E\n\u003Cli\u003EPrint Roleplay Cards that outline different scenarios for loans, savings, stocks, shares, and ISAs. These cards will be used during the main game to help Scouts understand how each concept works in practical situations.\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003EHave a few small signs or visual aids with definitions of loans, savings, stocks, shares, and ISAs written on them.\u003C/li\u003E\n\u003C/ul\u003E","gtmId":"","gtmClass":""}]}],"config":null},{"type":"fullWidth","areas":[{"items":[{"type":"Promo","cta":"","body":"\u003Cp\u003ETo help Scouts understand the basic concepts of loans, savings, stocks, shares, and ISAs, their benefits, and the risks associated with loans. By the end of the session, Scouts should start to understand how these financial concepts work in real life and how to manage them responsibly.\u003C/p\u003E","link":null,"colour":null,"title":"Aim of activity","image":null,"imageFocus":"","imageId":0,"imageKey":"00000000-0000-0000-0000-000000000000","imageCrop":"","gridType":"card","gtmId":"","gtmClass":""},{"gridType":"accordion","gtmId":"","gtmClass":"","showExpand":false,"items":[{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp dir=\u0022ltr\u0022\u003E\u003Cstrong\u003E\u003Cspan class=\u0022lexicalTextBold--2D7lm\u0022\u003EManaging Risks and Emotions Associated \u003C/span\u003E\u003Cspan class=\u0022lexicalTextBold--2D7lm\u0022\u003Ewith Money\u003C/span\u003E\u003C/strong\u003E\u003C/p\u003E\n\u003Cul class=\u0022lexicalUnorderedList--2yqyN\u0022\u003E\n\u003Cli class=\u0022lexicalListItem--2sxW3\u0022\u003ESaving and Borrowing\u003C/li\u003E\n\u003Cli class=\u0022lexicalListItem--2sxW3\u0022\u003ERisk and Reward\u003C/li\u003E\n\u003C/ul\u003E\n\u003Cp dir=\u0022ltr\u0022\u003E\u003Cstrong\u003E\u003Cspan class=\u0022lexicalTextBold--2D7lm\u0022\u003EHow to manage money\u003C/span\u003E\u003C/strong\u003E\u003C/p\u003E\n\u003Cul class=\u0022lexicalUnorderedList--2yqyN\u0022\u003E\n\u003Cli class=\u0022lexicalListItem--2sxW3\u0022\u003ESaving and Borrowing\u003C/li\u003E\n\u003C/ul\u003E","label":"Links to the financial education planning framework"}]}]}],"config":null},{"type":"singleColumn","areas":[{"items":[{"gridType":"RichTextBlock","content":"\u003Ch3\u003E\u003Cbr\u003ERunning the activity\u003C/h3\u003E\n\u003Col\u003E\n\u003Cli\u003EGather everyone together and explain that today they will be learning about different words and concepts related to loans and savings. Some explanations are included below.\u003C/li\u003E\n\u003Cli\u003EWhile discussing these topics, you could ask questions such as:\n\u003Cul\u003E\n\u003Cli\u003EWhat might happen if you take out a loan and can\u2019t pay it back?\u003C/li\u003E\n\u003Cli\u003EWhy do you think it is important to save money?\u003C/li\u003E\n\u003Cli\u003EHow would it feel if you made money from a stock or share?\u003C/li\u003E\n\u003C/ul\u003E\n\u003C/li\u003E\n\u003Cli\u003EOnce everyone has a basic understanding of these financial concepts, they will play a game to learn more about savings, loans, stocks, shares, and ISAs through active participation.\u003C/li\u003E\n\u003C/ol\u003E\n\u003Ch4\u003E\u003Cspan class=\u0022NormalTextRun SCXW2582966 BCX8\u0022\u003EExplanation of Key Concepts\u003C/span\u003E\u003C/h4\u003E","gtmId":"","gtmClass":""}]}],"config":null},{"type":"fullWidth","areas":[{"items":[{"gridType":"accordion","gtmId":"","gtmClass":"","showExpand":true,"items":[{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp\u003E\u003Cspan class=\u0022NormalTextRun SCXW25309537 BCX8\u0022\u003E \u0022When you save money, you\u0027re putting it aside for future needs or wants, so you can buy things later. Savings help you stay prepared for emergencies or things you want to buy in the future.\u0022\u003C/span\u003E\u003C/p\u003E","label":"Savings"},{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp\u003E\u0022A loan is when you borrow money from a bank, person, or business that you have to pay back, usually with interest. Loans can be helpful if you need something now but don\u2019t have the money, like buying a house or car. But if you don\u2019t repay them on time, you can get into trouble.\u0022\u003C/p\u003E","label":"Loans"},{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp\u003E\u003Cspan class=\u0022NormalTextRun SCXW105098704 BCX8\u0022\u003EStocks and shares are parts of a company. When you buy a share, you own a small part of that company. If the company does well, the value of your shares might go up, and you can sell them for more money. But if the company doesn\u0027t do well, you could lose money.\u0022\u003C/span\u003E\u003C/p\u003E","label":"Stocks and Shares"},{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp\u003E\u003Cspan class=\u0022NormalTextRun SCXW61580918 BCX8\u0022\u003E\u0022An ISA is a way to save or invest money in the UK without paying tax on the interest or profit you make. It\u2019s a good way to save for the\u003C/span\u003E\u003Cspan class=\u0022NormalTextRun SCXW61580918 BCX8\u0022\u003E long-term, as you can keep the money growing without losing part of it to taxes. People\u0026nbsp;can also earn interest on their savings, different bank accounts offer different interest rates. Always shop around before making a decision.\u0022\u003C/span\u003E\u003C/p\u003E","label":"ISAs (Individual Savings Accounts)"},{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp\u003E\u003Cspan class=\u0022NormalTextRun SCXW189150021 BCX8\u0022\u003E When you borrow money, you want a \u003C/span\u003E\u003Cspan class=\u0022NormalTextRun SCXW189150021 BCX8\u0022\u003Elow interest rate\u003C/span\u003E\u003Cspan class=\u0022NormalTextRun SCXW189150021 BCX8\u0022\u003E so you don\u0027t have to pay back too much extra. But when you save money in a bank, you want a \u003C/span\u003E\u003Cspan class=\u0022NormalTextRun SCXW189150021 BCX8\u0022\u003Ehigh interest rate\u003C/span\u003E\u003Cspan class=\u0022NormalTextRun SCXW189150021 BCX8\u0022\u003E so the bank gives you more extra money over time.\u003C/span\u003E\u0026nbsp;\u003C/p\u003E","label":"Comparing interest rates"}]}]}],"config":null},{"type":"singleColumn","areas":[{"items":[{"gridType":"RichTextBlock","content":"\u003Cp\u003E\u00A0\u003C/p\u003E\n\u003Ch3\u003E\u003Cspan class=\u0022NormalTextRun SCXW215203335 BCX8\u0022\u003E\u003Cspan class=\u0022NormalTextRun SCXW112929229 BCX8\u0022\u003EThe Financial Adventure Challenge Game\u003C/span\u003E\u003C/span\u003E\u003C/h3\u003E\n\u003Col\u003E\n\u003Cli\u003E\u003Cspan class=\u0022NormalTextRun SCXW215203335 BCX8\u0022\u003E\u003Cspan class=\u0022NormalTextRun SCXW112929229 BCX8\u0022\u003E\u003Cspan class=\u0022NormalTextRun SCXW144477875 BCX8\u0022\u003EDivide Scouts into teams\u003C/span\u003E\u003Cspan class=\u0022NormalTextRun SCXW144477875 BCX8\u0022\u003E (4-6 per team). \u003C/span\u003E\u003C/span\u003E\u003C/span\u003E\u003C/li\u003E\n\u003Cli\u003E\u003Cspan class=\u0022NormalTextRun SCXW215203335 BCX8\u0022\u003E\u003Cspan class=\u0022NormalTextRun SCXW112929229 BCX8\u0022\u003E\u003Cspan class=\u0022NormalTextRun SCXW144477875 BCX8\u0022\u003EEach team will compete in the Financial Adventure Challenge obstacle course or relay race\u003C/span\u003E\u003C/span\u003E\u003C/span\u003E\u003Cspan class=\u0022NormalTextRun SCXW215203335 BCX8\u0022\u003E\u003Cspan class=\u0022NormalTextRun SCXW112929229 BCX8\u0022\u003E\u003Cspan class=\u0022NormalTextRun SCXW144477875 BCX8\u0022\u003E\u003Cspan class=\u0022NormalTextRun SCXW365479 BCX8\u0022\u003E\u00A0(depending on which you have set up).\u003C/span\u003E\u003C/span\u003E\u003C/span\u003E\u003C/span\u003E\u003C/li\u003E\n\u003Cli\u003E\u003Cspan class=\u0022NormalTextRun SCXW215203335 BCX8\u0022\u003E\u003Cspan class=\u0022NormalTextRun SCXW112929229 BCX8\u0022\u003E\u003Cspan class=\u0022NormalTextRun SCXW144477875 BCX8\u0022\u003EThey should start at the beginning of the course as a group.\u00A0\u003C/span\u003E\u003C/span\u003E\u003C/span\u003E\u003C/li\u003E\n\u003Cli\u003E\u003Cspan class=\u0022NormalTextRun SCXW215203335 BCX8\u0022\u003E\u003Cspan class=\u0022NormalTextRun SCXW112929229 BCX8\u0022\u003E\u003Cspan class=\u0022NormalTextRun SCXW144477875 BCX8\u0022\u003EOne team race the other team to the end.\u003C/span\u003E\u003C/span\u003E\u003C/span\u003E\u003C/li\u003E\n\u003Cli\u003E\u003Cspan class=\u0022NormalTextRun SCXW215203335 BCX8\u0022\u003E\u003Cspan class=\u0022NormalTextRun SCXW112929229 BCX8\u0022\u003E\u003Cspan class=\u0022NormalTextRun SCXW144477875 BCX8\u0022\u003EThey will encounter roleplay cards showing different financial situations, along the way.\u00A0 When the team reach a card they should read it and decide on an answer. We have included the scenarios below.\u003C/span\u003E\u003C/span\u003E\u003C/span\u003E\u003C/li\u003E\n\u003Cli\u003E\u003Cspan class=\u0022NormalTextRun SCXW215203335 BCX8\u0022\u003E\u003Cspan class=\u0022NormalTextRun SCXW112929229 BCX8\u0022\u003E\u003Cspan class=\u0022NormalTextRun SCXW144477875 BCX8\u0022\u003EIf the team agree on an answer, they get 10 points. If they don\u0027t agree on an answer, they don\u0027t get the points.\u00A0\u003C/span\u003E\u003C/span\u003E\u003C/span\u003E\u003C/li\u003E\n\u003Cli\u003E\u003Cspan class=\u0022NormalTextRun SCXW215203335 BCX8\u0022\u003E\u003Cspan class=\u0022NormalTextRun SCXW112929229 BCX8\u0022\u003E\u003Cspan class=\u0022NormalTextRun SCXW144477875 BCX8\u0022\u003E\u003Cspan class=\u0022NormalTextRun SCXW224439142 BCX8\u0022\u003EWhen they have completed the first question, they can set off on their journey again and go through the rest of the obstacle course.\u003C/span\u003E\u003C/span\u003E\u003C/span\u003E\u003C/span\u003E\u003C/li\u003E\n\u003Cli\u003E\u003Cspan class=\u0022NormalTextRun SCXW215203335 BCX8\u0022\u003E\u003Cspan class=\u0022NormalTextRun SCXW112929229 BCX8\u0022\u003E\u003Cspan class=\u0022NormalTextRun SCXW144477875 BCX8\u0022\u003E\u003Cspan class=\u0022NormalTextRun SCXW224439142 BCX8\u0022\u003E The winners are the fastest team to finish collecting all the roleplay cards with the most points and make it to the end of the course.\u00A0\u003C/span\u003E \u00A0\u003C/span\u003E\u003C/span\u003E\u003C/span\u003E\u003Cspan class=\u0022NormalTextRun SCXW215203335 BCX8\u0022\u003E\u003Cspan class=\u0022NormalTextRun SCXW112929229 BCX8\u0022\u003E\u003Cspan class=\u0022NormalTextRun SCXW144477875 BCX8\u0022\u003E\u003C/span\u003E\u003C/span\u003E\u003C/span\u003E\u003C/li\u003E\n\u003Cli\u003E\u003Cspan class=\u0022NormalTextRun SCXW215203335 BCX8\u0022\u003E\u003Cspan class=\u0022NormalTextRun SCXW112929229 BCX8\u0022\u003E\u003Cspan class=\u0022NormalTextRun SCXW144477875 BCX8\u0022\u003E\u003Cspan class=\u0022NormalTextRun SCXW17104954 BCX8\u0022\u003EAfter the game, gather everyone around and hold a group reflection session to help Scouts understand what they learned.\u003C/span\u003E\u003C/span\u003E\u003C/span\u003E\u003C/span\u003E\u003C/li\u003E\n\u003C/ol\u003E\n\u003Ch3\u003E\u003Cspan class=\u0022NormalTextRun SCXW215203335 BCX8\u0022\u003E\u003Cspan class=\u0022NormalTextRun SCXW112929229 BCX8\u0022\u003E\u003Cspan class=\u0022NormalTextRun SCXW144477875 BCX8\u0022\u003ERole Play Scenarios\u003C/span\u003E\u003C/span\u003E\u003C/span\u003E\u003C/h3\u003E","gtmId":"","gtmClass":""}]}],"config":null},{"type":"fullWidth","areas":[{"items":[{"gridType":"accordion","gtmId":"","gtmClass":"","showExpand":true,"items":[{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp\u003E\u003Cspan class=\u0022NormalTextRun SCXW168019829 BCX8\u0022\u003EScenario: You want a new bike that costs \u00A3150, but you only have \u00A350 saved up.\u003C/span\u003E\u003Cspan class=\u0022SCXW168019829 BCX8\u0022\u003E\u0026nbsp;\u003Cbr class=\u0022SCXW168019829 BCX8\u0022\u003E\u003C/span\u003E\u003Cspan class=\u0022NormalTextRun SCXW168019829 BCX8\u0022\u003EQuestion: Do you save up for a few more months or buy a cheaper bike now with your \u00A350?\u003C/span\u003E\u003Cspan class=\u0022SCXW168019829 BCX8\u0022\u003E\u0026nbsp;\u003Cbr class=\u0022SCXW168019829 BCX8\u0022\u003E\u003C/span\u003E\u003Cspan class=\u0022NormalTextRun SCXW168019829 BCX8\u0022\u003EAction: If you decide to save, you\u0027ll need to wait 3 months to reach the full amount.\u003C/span\u003E\u0026nbsp;\u003C/p\u003E","label":"Savings Card: \u0022The New Bike\u0022"},{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp\u003E\u003Cspan class=\u0022NormalTextRun SCXW69899504 BCX8\u0022\u003EScenario: Your phone broke, and you need a new one for \u00A3200. You have \u00A350 saved up. A friend offers to lend you \u00A3150, but you must pay them back in a month with \u00A3160.\u003C/span\u003E\u003Cspan class=\u0022SCXW69899504 BCX8\u0022\u003E\u0026nbsp;\u003Cbr class=\u0022SCXW69899504 BCX8\u0022\u003E\u003C/span\u003E\u003Cspan class=\u0022NormalTextRun SCXW69899504 BCX8\u0022\u003EQuestion: Do you take the loan or save for a few months to buy the phone without borrowing money?\u003C/span\u003E\u003Cspan class=\u0022SCXW69899504 BCX8\u0022\u003E\u0026nbsp;\u003Cbr class=\u0022SCXW69899504 BCX8\u0022\u003E\u003C/span\u003E\u003Cspan class=\u0022NormalTextRun SCXW69899504 BCX8\u0022\u003EAction: If you take the loan, you must pay back \u00A3160 in a month.\u003C/span\u003E\u0026nbsp;\u003C/p\u003E","label":"Loan Card: \u0022The Emergency Loan\u0022"},{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp\u003E\u003Cspan class=\u0022NormalTextRun SCXW243219280 BCX8\u0022\u003EScenario: You want to save for a big trip in 3 years. You can choose to put \u00A3100 in a regular savings account, or \u00A3100 in an ISA (which will grow tax-free).\u003C/span\u003E\u003Cspan class=\u0022SCXW243219280 BCX8\u0022\u003E\u0026nbsp;\u003Cbr class=\u0022SCXW243219280 BCX8\u0022\u003E\u003C/span\u003E\u003Cspan class=\u0022NormalTextRun SCXW243219280 BCX8\u0022\u003EQuestion: Which one do you choose and why?\u003C/span\u003E\u003Cspan class=\u0022SCXW243219280 BCX8\u0022\u003E\u0026nbsp;\u003Cbr class=\u0022SCXW243219280 BCX8\u0022\u003E\u003C/span\u003E\u003Cspan class=\u0022NormalTextRun SCXW243219280 BCX8\u0022\u003EAction: Think about which option would give you more money in the long run.\u003C/span\u003E\u0026nbsp;\u003C/p\u003E","label":"ISA Card: \u0022The Long-Term Goal\u0022"},{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp\u003E\u003Cspan class=\u0022NormalTextRun SCXW34006553 BCX8\u0022\u003EScenario: You have \u00A350 to spend. A new company is offering shares at \u00A35 each. If the company does well, the shares might go up in value.\u003C/span\u003E\u003Cspan class=\u0022SCXW34006553 BCX8\u0022\u003E\u0026nbsp;\u003Cbr class=\u0022SCXW34006553 BCX8\u0022\u003E\u003C/span\u003E\u003Cspan class=\u0022NormalTextRun SCXW34006553 BCX8\u0022\u003EQuestion: Do you buy 10 shares, or do you save your \u00A350 for something else?\u003C/span\u003E\u003Cspan class=\u0022SCXW34006553 BCX8\u0022\u003E\u0026nbsp;\u003Cbr class=\u0022SCXW34006553 BCX8\u0022\u003E\u003C/span\u003E\u003Cspan class=\u0022NormalTextRun SCXW34006553 BCX8\u0022\u003EAction: Consider the risks of investing in a company that might succeed or fail.\u003C/span\u003E\u0026nbsp;\u003C/p\u003E","label":"Stocks Card: \u0022Investing in a New Company\u0022"},{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp\u003E\u003Cspan class=\u0022NormalTextRun SCXW257004770 BCX8\u0022\u003EScenario: You want to go on a school trip that costs \u00A3120. You only have \u00A350. A family member offers to lend you the \u00A370, but you must pay them back in two months with an extra \u00A310 for interest.\u003C/span\u003E\u003Cspan class=\u0022SCXW257004770 BCX8\u0022\u003E\u0026nbsp;\u003Cbr class=\u0022SCXW257004770 BCX8\u0022\u003E\u003C/span\u003E\u003Cspan class=\u0022NormalTextRun SCXW257004770 BCX8\u0022\u003EQuestion: Do you take the loan, or do you save up your \u00A350 and wait until you have enough money?\u003C/span\u003E\u003Cspan class=\u0022SCXW257004770 BCX8\u0022\u003E\u0026nbsp;\u003Cbr class=\u0022SCXW257004770 BCX8\u0022\u003E\u003C/span\u003E\u003Cspan class=\u0022NormalTextRun SCXW257004770 BCX8\u0022\u003EAction: If you take the loan, you will have to pay \u00A380 back in total.\u003C/span\u003E\u0026nbsp;\u003C/p\u003E","label":"Loan Card: \u0022The School Trip\u0022"},{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp\u003E\u003Cspan class=\u0022NormalTextRun SCXW179905288 BCX8\u0022\u003EScenario: You want to go on a weekend trip with friends, but it costs \u00A380. You have \u00A330 saved up and need to decide whether to save more or take money from your allowance to cover the rest.\u003C/span\u003E\u003Cspan class=\u0022SCXW179905288 BCX8\u0022\u003E\u0026nbsp;\u003Cbr class=\u0022SCXW179905288 BCX8\u0022\u003E\u003C/span\u003E\u003Cspan class=\u0022NormalTextRun SCXW179905288 BCX8\u0022\u003EQuestion: Do you save up the extra \u00A350, or take the money now and reduce your savings?\u003C/span\u003E\u003Cspan class=\u0022SCXW179905288 BCX8\u0022\u003E\u0026nbsp;\u003Cbr class=\u0022SCXW179905288 BCX8\u0022\u003E\u003C/span\u003E\u003Cspan class=\u0022NormalTextRun SCXW179905288 BCX8\u0022\u003EAction: Saving up will take you 2 more weeks, but taking money from your allowance will reduce your savings goal.\u003C/span\u003E\u0026nbsp;\u003C/p\u003E","label":"Savings Card: \u0022The Weekend Away\u0022"}]}]}],"config":null}]},"ownerAuthor":null,"porRules":null,"id":86183,"nodeName":"Financial adventure challenge","title":"Financial adventure challenge","type":"activity","image":{"url":"/media/13887/hsbc.png?width=800\u0026height=450\u0026v=1d9bece96d5ba70","caption":"HSBC Partnership","type":"png","size":134038,"width":1920,"height":1080,"altText":"A name badge with the HSBC UK logo on it, stating \u2018created in partnership with\u2019 at the top."},"assets":[{"id":86202,"url":"/media/wrhnqgwh/financial-adventre-role-play-scenarios.pdf","caption":"Financial Adventure Role Play Scenarios","type":"pdf","size":482707},{"id":86203,"url":"/media/ermhnsnk/financial-adventure-definition-of-key-concepts-visual-aids.pdf","caption":"Financial Adventure Definition Of Key Concepts Visual Aids","type":"pdf","size":237144},{"id":86204,"url":"/media/rhznvje1/financial-adventure-challenge-game-score-card.pdf","caption":"Financial Adventure Challenge Game Score Card","type":"pdf","size":150433}],"headerOptions":{"headerTitle":"Financial adventure challenge","headerSubTitle":null,"headerCta":null,"headerCtaText":null,"headerCtaLink":null,"headerBackgroundColour":null,"showSEOImage":false,"headerBackgroundImage":null,"quickLinks":null},"searchDescription":"Get money smart! 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