For teachers # Lesson sheets — financial literacy from age 6 For each of the 28 modules in English there is a lesson sheet of one or two A4 pages: the aim, a part for ages 6–7 with a game, questions for the class at three levels, a 45-minute plan and the tools — a calculator and the open test with class codes. Free, no sign-up. Where a module describes laws, it gives the EU rule, an example from Bulgaria and what to check in your own country. ## How to use them 1. Choose the module that fits the topic of the lesson. 2. Print the sheet — the “Print this sheet” button or Ctrl+P. The menu and the forms are not printed. 3. Take the part for the level of the class: ages 6–7, child (6–12), teenager (13–17), adult. 4. To finish — [the open test](https://pecuvo.eu/en/test/): everyone writes down only their code; paste the class codes and see the distribution. The codes are the same in Bulgarian and in English. ## Global Money Week The sheets also suit Global Money Week, run by the OECD every year in March — one module a day, or one topic for the whole school. ## Rules in class - No personal data of pupils — the test and the games work without names. - Children under 14 — with a teacher or a parent. - No labels and no comparing individual pupils; worrying about money is a job for adults, not children. - Knowledge, not financial advice — and no product recommendations. ## The modules ### Block I · How money works - [1 · History of money](https://pecuvo.eu/en/teachers/history-of-money/) - [2 · Currencies and backing](https://pecuvo.eu/en/teachers/currencies-and-backing/) - [3 · Assets and cash equivalents](https://pecuvo.eu/en/teachers/assets-and-cash-equivalents/) - [4 · The mechanics of money](https://pecuvo.eu/en/teachers/the-mechanics-of-money/) - [21 · Payments and purchases — cards, online, transfers, currency, fees](https://pecuvo.eu/en/teachers/payments-and-purchases/) - [26 · The bank and financial products — accounts, deposits, deposit guarantee](https://pecuvo.eu/en/teachers/bank-and-financial-products/) - [6 · Alternatives to money — mutual credit, time banks, local currencies, gifts](https://pecuvo.eu/en/teachers/alternatives-to-money/) ### Block II · The mathematics of money - [7 · Interest, compounding, capitalisation](https://pecuvo.eu/en/teachers/interest-compounding-capitalisation/) ### Block III · Cash flow - [8 · The iron principles of cash flow](https://pecuvo.eu/en/teachers/the-iron-principles-of-cash-flow/) - [9 · Managing cash flow — with the tool](https://pecuvo.eu/en/teachers/managing-cash-flow/) - [22 · Credit — types, annual percentage rate of charge (APR), mortgages, credit history](https://pecuvo.eu/en/teachers/credit/) - [20 · Income — pay, social security contributions, gross and net, benefits](https://pecuvo.eu/en/teachers/income/) - [10 · The five cash flows](https://pecuvo.eu/en/teachers/the-five-cash-flows/) - [11 · Flow 5: projects and public funds](https://pecuvo.eu/en/teachers/flow-5-projects-and-public-funds/) - [27 · Taxes and public spending](https://pecuvo.eu/en/teachers/taxes-and-public-spending/) - [18 · Flow 3 — the small business: price, break-even point and cash flows](https://pecuvo.eu/en/teachers/flow-3-the-small-business/) - [19 · The social enterprise — a business with a purpose](https://pecuvo.eu/en/teachers/the-social-enterprise/) ### Block IV · Security - [12 · Insurance — life, savings, health, property](https://pecuvo.eu/en/teachers/insurance/) - [28 · Digital finance and security](https://pecuvo.eu/en/teachers/digital-finance-and-security/) ### Block V · People and money - [13 · Values and rules for life](https://pecuvo.eu/en/teachers/values-and-rules-for-life/) - [14 · The psychology of money](https://pecuvo.eu/en/teachers/the-psychology-of-money/) - [15 · Life strategies by stage](https://pecuvo.eu/en/teachers/life-strategies-by-stage/) - [25 · Pensions — the three pillars](https://pecuvo.eu/en/teachers/pensions-three-pillars/) - [16 · Where to reinvest — real value](https://pecuvo.eu/en/teachers/where-to-reinvest-real-value/) - [24 · Investing: the basics — risk, return, allocation](https://pecuvo.eu/en/teachers/investing-the-basics/) - [29 · Sustainable finance and "green" claims](https://pecuvo.eu/en/teachers/sustainable-finance/) ### Block VI · Finally: speculation, crypto and fraud - [17 · Fraud, pyramid schemes and "getting rich quick"](https://pecuvo.eu/en/teachers/fraud-pyramids-and-getting-rich-quick/) - [5 · Crypto and tokenisation — price, value and rules](https://pecuvo.eu/en/teachers/crypto-and-tokenisation/) The sheets may be freely printed and copied for lessons, clubs and families, with the source pecuvo.eu. They may not be sold. Suggestions for the sheets — through the “Was this useful?” form under every module.