FT Financial Literacy and Inclusion Campaign

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Financial resilience can be boosted enormously by understanding how money works in everyday life. Financial literacy education gives young people the foundations for future prosperity — and can help economically disadvantaged people out of deprivation. Find out how you can support FT FLIC’s work.

© Eliot Wyatt

  • What parents should tell students about money

    Budgets and food bargains matter more than bond yields

  • The five big decisions you’ll need to make about money

    From spending and saving to careers and partners, the choices you make could have a big financial impact

  • The best way to build a budget

    Working out what you earn and spend over time is the first step to taking control of your finances

  • How to find the best home for spare cash

    A guide to weighing up risks and rewards

  • How to deal with finance on socials

    There is plenty of financial advice on social media but not all of it can be trusted

  • The first steps to starting up your own business

    Being an entrepreneur might seem daunting but it can be rewarding

More from this Series

  • Don’t fret about debt: the basics of borrowing

    Most people have to borrow money at some stage in life. But there are good and bad ways to go about it

  • The smart way to manage a savings account

    Putting money into a bank account is simple in theory, but more tricky in practice. Here’s what you need to know

  • How to buy a financial umbrella

    Insurance policies — covering your car, holidays or healthcare — offer protection in case things go wrong

  • Our charity auction is back: bid for lunch with a top FT journalist

    Bidding opens to raise money for the FT’s Financial Literacy and Inclusion Campaign

  • Martin Lewis: ‘Fine tech companies tens of billions for deepfake scams’

    Money Saving Expert founder calls for tougher penalties to prevent growing menace of AI-enabled fraud

  • Stop telling women they are cautious investors

    As the gender investment gap rises, it’s time to make lazy gender categorisations a thing of the past

  • Meet the 30-year-old accountant teaching seven-year-olds about money

    Abigail Foster says we must start young to ensure the next generation is financially savvy

  • How to block the financial scammers on social media

    Big Tech should have a legal duty to check investment advertisers are authorised

  • Playing ‘whack-a-mole’ with Meta over my fraudulent avatars

    How is it possible that a company with such huge resources, including artificial intelligence tools, cannot deal with this?

  • Millions have been left behind by the payday loans crackdown

    Evlo is relaunching but many subprime lenders have closed after a wave of compensation claims

  • Rachel Reeves’ Isa reforms must be designed with Gen Z in mind

    The chancellor’s plan to revolutionise retail investment needs young investors

  • ‘Gender numeracy gap’ is hitting women’s earnings power

    One in three UK women say they would not apply for jobs that require working with numbers or data

  • FT charity appeal with Magic Breakfast doubles money raised

    Rosetrees Trust matched readers’ donations in late intervention

  • Credit scores are hazardous to your financial health

    Dominated by Fico ratings, scores serve the interests of the lenders, not consumers

  • Breakfast and financial education: help us deliver this foundation

    The FT’s homegrown charity FLIC and Magic Breakfast are making a real difference for young people

  • Indonesia places a $28bn bet on free school meals

    President Prabowo Subianto wants to cater for 82mn students and pregnant mothers to boost growth and attainment

  • Finland fuels children’s future with financial literacy and food

    World-beating ambition drives real-life business practice and free lunches for kids

  • The junk food crisis harming Britain’s children

    As their diets worsen, young people are suffering increasing levels of malnutrition and obesity. Can the UK turn the tide?

  • UK’s elite Marines undergo financial literacy training

    The FT’s Financial Literacy and Inclusion Campaign launches adult education programme for the military

  • A proper breakfast will get children back in schools — and learning

    Properly nourished children gain two months’ extra progress in maths, reading and writing when fed in the morning

  • Let’s put financial literacy on the breakfast menu

    Schools need to prepare pupils for the digital financial future that awaits them

  • The power of putting financial literacy — and buttered toast — on the school curriculum

    Lucy Kellaway looks at how FLIC and Magic Breakfast — the two charities backed by this year’s FT seasonal appeal — are feeding young minds

  • Two vital interventions to boost children’s life chances

    FT Seasonal Appeal backs charities devoted to financial literacy and free school meals

  • Could TikTok, apps and Gemma Collins boost women’s pensions?

    Scottish Widows study shows more than 2mn UK women will not be able to afford to retire

  • The best investment tip of all? Start when you’re young

    Sir Douglas Flint joins calls to boost personal finance teaching in schools

  • Data is the key to supporting Britain’s poorest pensioners

    As energy bills rise, bolder reforms are needed to identify the 880,000 households missing out on pension credit

  • Maths education is failing UK students

    To combat worrying GCSE trends, we must make the discipline relevant to young people

  • Even Wall Street bankers’ kids need lessons in financial literacy

    In the US, entrepreneurs, donors and family foundations are backing initiatives to teach the basics of managing money

  • Would you turn to Reddit for investment ideas?

    It’s no surprise that social platforms are the go-to place when industry communications appear designed to obfuscate

  • Teens lack financial literacy and maths skills for digital economy, OECD report finds

    Study highlights gap in rich countries between access to banking products and an understanding of how finance works

  • More effort needed on financial literacy in the UK

    The education system is falling short in teaching this vital life skill

  • Earn your stripes with Financial Times x With Nothing Underneath’s new boyfriend shirt

    The salmon-pink collaboration is raising funds for the newspaper’s Financial Literacy and Inclusion Campaign (FLIC)

  • Have you got five minutes to talk about investing?

    It is high time we normalised conversations about money

  • How I paid off £16,000 credit card debt in just two years

    What drives my desire to spend is a complex issue. You could call it emotional spending

  • What women want their financial future to look like

    The Budget and International Women’s Day remind us that the campaign for equality is still far from won

  • Free reader event: The true cost of childcare

    Join Mother Pukka and Pregnant then Screwed on International Women’s Day

  • A dating app with credit scores: what’s not to love?

    Proving you can manage your finances has real pulling power

  • Four ways to sort out your financial life in 2024

    New year resolutions to revolutionise your relationship with money

  • Does Sunak’s maths revival add up?

    Both the Conservatives and Labour want to tackle the UK numeracy problem — but they need a plan for the long term

  • Take NatWest shares into Britain’s classrooms

    A golden opportunity for the government to boost youngsters’ financial education

  • India fights back against soaring digital fraud

    Financial literacy education is key to protecting Indians from scams in era of superfast payments

  • MPs launch inquiry into UK financial education

    Basic numeracy at low levels among young people

  • Record number of UK households seek help with cost-of-living issues

    Latest Citizens Advice data shows mounting crisis heading into winter as voluntary sector warns it will struggle to cope

  • HMRC clashes with young investors over Isa rules

    Row over holding fractional shares in tax-free accounts intensifies ahead of Autumn Statement

  • How can we defuse the household debt time bomb?

    The nature of people’s debts have changed significantly — so too must debt solutions

  • AI: the answer to everyday finances?

    A range of apps link to accounts to assist with spending, saving, debts and more

  • Why the UK has a problem with maths | FT Film

    Is the maths taught in our schools helping or hindering numeracy levels in later life?

  • How I fell for a social media scam

    Offers that seem too good to be true can be fraudulent ads that slip through review systems

  • Social media finfluencers embrace the rules to reach a new audience

    Young online experts fight against misinformation and offer proper financial guidance

  • Grandparents: give the gift of investment education

    As inheritance tax bills rise, pass on your financial savvy as well as your cash

  • It pays to open up about mortgage pain

    Rising rates on home loans will put a strain on relationships unless we challenge taboos about money

  • Under-21s targeted by money launderers, warns UK fraud agency

    Schools initiative to discourage youngsters from being used as ‘money mules’

  • This could be the best £800 investment you’ll ever make

    National insurance top-ups can provide an oversized boost to your state pension

  • Peru makes teachers comfortable about money before teaching the kids

    Novel approach to financial literacy has lessons for rich and poor countries alike

  • Banks must play fair as mortgage rates rise

    As millions brace for the impact of more expensive home loans, here’s my don’t panic guide to what happens next

  • When trading crypto becomes an addiction

    Should crypto trading be regulated by the Gambling Commission?

  • MyBnk calls for 30 hours a year of financial education in UK schools

    Only two-fifths of young people are deemed financially literate, says charity

  • ‘I’m 22 and I earn more than my parents’

    Young workers on high salaries find financial advice hard to come by

  • Charity warns of UK maths gender gap

    Women express less confidence than men in National Numeracy survey

  • Personal inflation calculator: what is your inflation rate?

    As the cost of living continues to rise, find out how much inflation could affect your personal finances

  • UK financial system ‘locking out’ growing numbers of people

    As lenders rein in risk during cost of living crisis, survey finds those unable to access credit increasing

  • The first lesson for female financial education? Money is power

    Online communities for women to learn about cash, investing and pensions are an exciting fintech development

  • Money mistakes even wealthy people make

    Your emotional hang-ups about money could stop you from getting richer

  • Britain’s schools fail legal requirement to teach money matters

    Two-fifths of teachers do not know financial literacy is compulsory in secondary education

  • Retirement coaching: coming to a workplace near you?

    Brits don’t understand their retirement options, and I fear for the ‘Cafters’

  • Why do Brits hate maths? Go figure

    Poor numeracy is a problem, but Rishi Sunak needs to show his workings for compulsory maths until age 18

  • A child’s eye view of the cost of living crisis

    From saving pocket money to better budgeting and giving to charity, children’s financial habits are changing

  • Five financial new year resolutions for 2023

    Will you ‘manifest money’ in the year ahead?

  • Now is the time to boost financial literacy

    The FT’s charity is filling vital gaps in public understanding of money

  • Electricity calculator: how much will your bills cost this winter?

    Find out how much your electrical devices and appliances will set you back under the new energy price cap

  • My 12 ‘money movies’ of Christmas

    Films that could spark a conversation about finance with your children

  • US bank branch closures widen social inequality | FT Film

    There are over 1,600 ‘banking deserts’ in the US, with a lack of financial services hitting African-Americans hardest. Visit ftflic.com to find out more

  • Why is personal finance not being taught more in schools?

    British schools face barriers to keeping cash management classes on curriculum, despite students’ desire to learn

  • When your boss becomes your banker

    More companies are finding ways to offer financial services such as loans or pay advances as the cost of living crisis deepens. What is the risk?

  • Mortgage shock: what next for embattled borrowers?

    Spiralling home loan rates add to households’ cost of living pressures

  • Masters of rap could help bridge the financial literacy gap

    These artists may be living large, but many of them are very financially savvy

  • Fintechs have made people’s lives unnecessarily complicated

    The proliferation of products creates confusion rather than clarity

  • Have lunch with FT’s Martin Wolf or Claer Barrett

    Bid for your chance to meet FT columnists in the Flic charity auction

  • A ‘back to school’ moment for your finances

    Budget-busting challenges ahead mean everyone needs to check their sums this autumn

  • Workers halt pension savings as cost of living crisis bites

    Warning over long-term damage to retirement funds

  • Credit crunch: how the cost of living crisis is pushing households to breaking point

    Not-for-profit lenders are struggling to meet unprecedented demand from the poorest as they seek loans to cover basic costs

  • Support surges for campaigners urging non-payment of energy bills

    Experts warn consumers that halting direct debits could mean higher bills and poorer credit scores

  • Fighting financial exclusion in the Gypsy and Traveller community

    The FT looks at what their struggle for insurance and banking access says about our financial institutions

  • Are you due a share of £50bn of lost assets?

    More effort should go into tracking down the owners of lost accounts

  • Victims of financial crime suffer psychological shocks

    Campaign group report attacks UK’s regulatory framework for financial services

  • Employers urged to help workers navigate stresses of cost of living crisis

    Mounting money worries spark calls for companies to support workers’ financial wellbeing

  • Money Clinic podcast: How can I improve my credit score?

    Experts bust the myths

  • Father’s Day advice for new investors

    As markets turn bearish, will young investors run screaming into the woods?

  • Money Clinic podcast: What did your dad teach you about money?

    Ahead of Father’s Day, we ask if the internet has had a greater influence on our habits than our parents

  • The UK’s credit gap will gape in this cost of living crisis

    Illegal money lending appears to be rising as higher energy and food bills push those in need towards loan sharks

  • A jubilee year for the state pension?

    Through the generations, women need to ensure they will have cause to celebrate in retirement

  • Hard lessons from the crypto crash

    Can anything challenge the belief that investing in digital assets is a guaranteed route to riches?

  • We need to talk about money

    Britons must be open about number skills and personal finances, especially with economic woes mounting

  • Instagram must stop the scammers targeting Gen Z

    Cloned accounts con followers of genuine financial content creators out of thousands

  • Q&A: A guide for Ukrainian refugees and their UK hosts

    How to navigate finances, benefits, employment rules and avoid sticky situations

  • Money Clinic Podcast: How can we stop arguing about money?

    A spender and a saver examine their financial habits and attempt to meet in the middle

  • Cancelling Netflix won’t solve energy price crunch

    Extreme energy rationing shows growing desperation of people in fuel poverty

  • What can the Rolling Stones teach us about financial literacy?

    Money Clinic podcast explores how the demographics of the super group’s fan base are tuned in to retirement planning

  • Money Clinic podcast: Should I save for a property or a pension?

    As wages fail to keep pace with soaring property prices, younger investors face tough choices

  • How mobile apps help bring financial literacy skills to overlooked groups

    Fintech start-ups offer women and minorities knowledge to make decisions about all things money

  • Martin Lewis urges reform of UK’s ‘dangerous’ credit card rules

    Chancellor backs consumer rights campaigner’s call to ensure more borrowers get the advertised rate of interest

  • Young people scammed on Instagram highlight UK surge in online crime

    Efforts to tackle steep rise in fraud are stymied by under-resourced and outdated strategies

  • Basic maths skills oil the wheels of financial literacy

    The biggest service we could do for future financial literacy is to embed mathematical skills for today’s pupils

  • Money Clinic podcast: Budget to beat the rising cost of living

    With ‘Awful April’ around the corner, budgeting is a skill everyone needs to master

  • The best financial rule I ever learnt? Open the bills

    Emotion plays a surprising role in our understanding of personal finance

  • The UK ‘back to the office budget’ does not add up for women

    Working flexibly could save women money, but what about the cost to their careers?

  • Seven things women need to know about money

    Ahead of International Women’s Day, experts share inspirational tips on how to transform your finances

  • Private equity groups launch education philanthropy fund

    Investors will share their gains with charities

  • ‘Buy now pay later’ boom fuels consumer debt concerns as transactions soar

    Regulators scrutinise fast-growing sector that allows customers to delay payments

  • Addressing poverty means financial education in primary schools

    Children must learn early money lessons to develop vital skills

  • Improving financial literacy must be a priority for Europe

    One in three EU households are unable to meet unexpected shocks to their finances

  • Half of UK adults need ‘urgent help’ managing their money

    As cost of living crisis bites, consumers say better financial education would reduce indebtedness

  • Beware the property trap ensnaring young buyers

    Under-40s find the Lifetime Isa has shortlived benefits

  • Bonus episode – The ultimate tax return guide

    The ins and outs of self-assessment ahead of the January 31 deadline

  • Against the odds: the struggles of migrants to build a business

    The FT’s Financial Literacy and Inclusion Campaign: Despite many obstacles, new arrivals have a record of entrepreneurship

  • Lucy Kellaway’s crypto classroom confessions

    Lucy Kellaway, Patrick Jenkins and Peter Spiegel talk financial literacy with Claer Barrett

  • FT Financial Literacy and Inclusion Campaign: The US must confront financial illiteracy head-on

    We freely discuss which vaccine we received. But conversations about money are somehow taboo

  • FT Financial Literacy and Inclusion Campaign: Teaching personal finance with hair extensions

    Ex-banker wins teaching prize with novel lessons on the cost of consumer credit

  • Don’t dismiss UK banking’s ‘consumer duty’ as just fluff

    Done properly, the regulation could mean upheaval for the sector and be a force for financial literacy and inclusion

  • Courtney Love explains why you’ve got to do the math

    As part of the FT Financial Literacy and Inclusion Campaign, the musician shares her story about making – and losing – a fortune

  • Vanishing cash means ‘digital literacy’ is vital

    Financial education is one of the best investments in our children’s future

  • China fights a financial fraudexplosion

    Tens of thousands are falling victim to fraud despite government attempts to combat the scammers

  • FT readers respond: Cryptocurrency in the classroom

    Can schoolchildren learn the value of money via trading apps?

  • Crypto in the classroom: Lucy Kellaway on the kids’ new craze

    In an age when trading apps have made investment cool, understanding money is more important than ever for school children

  • Finance companies must boost clients’ financial literacy

    Business should work with government to close wide gaps in financial knowledge

  • ‘We need people to know the ABC of finance’: facing up to the financial literacy crisis

    Economist Annamaria Lusardi helps young people gain skills to manage their money

  • How should we teach young people about personal finance? Q&A

    Claer Barrett and Aimée Allam, director of FT Flic, answer your questions

  • Best of FT Money 2021: My biggest financial mistake — FT writers confess

    As part of our FT Financial Literacy & Inclusion Campaign, some of our experts explain how they learnt the hard way . . . 

  • How to achieve financial literacy

    Patrick Jenkins, FT deputy editor, introduces the mission of the FT’s Financial Literacy and Inclusion Campaign (Flic)

  • The FT Financial Literacy and Inclusion Campaign: Courtney Love and other reader responses

    Launch of FLIC draws hundreds of messages of support — and strong opinions about the best way forward

  • Letter from the editor on the FT’s Financial Literacy and Inclusion Campaign

    The Financial Times launches its bold new charitable initiative

  • Video: Welcome to the FT Financial Literacy and Inclusion Campaign

    Watch an introduction to FT Flic, the FT’s charity to improve financial literacy in the UK and around the world

  • Best of FT Money 2021: Why financial literacy is a passport to financial freedom

    Support the FT’s campaign to improve prospects of millions in Britain and around the world

  • How a new FT campaign will provide financial knowledge to those who need it most

    We aim to combat the ways in which society makes it so expensive to be poor

  • Financial literacy — learn now, benefit later

    The FT supports a new charity to improve public understanding of money

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