Title	Web address	Rating	Summary	Year Levels
Nat West	http://www.natwestf2f.com/natwest/schools.asp	* * * **	Banking, business, credit	EA	LA
Essi money	http://www.essimoney.com.au/	* * * **	Interactive game - Earning, Saving, Spending and Investing		LA
Money stuff	http://www.moneystuff.net.au/	* * * **	Advertising buying a car, mobile phone, house, renting a flat, starting work	EA	LA
Finance first	www.financefirst.net.au	* * * *	Costs/finance	EA	LA
Consumer stuff for kids	www.consumer.vic.gov.au Navigate to spotlight - young consumers and students - resources for primary teachers	****	Young consumers and students – resource kit	EA
Consumer Resource books	www.consumer.vic.gov.au/ Navigate to spotlight - young consumers and students - resources for secondary teachers	****	Consumers resource books for different subject areas		LA
Spendwell	www.spendwell.com.au	****	Animated program for  students using problem solving activities	EA	LA
Get Out there	http://www.getoutthere.qld.gov.au/	* * *	Information about living costs		LA
Fair trading	http://www.fairtrading.qld.gov.au/ Navigate: teachers/buy smart/teacher resources	* *	Teacher resource kit – consumer issues	EA	LA
Fair trading	http://www.fairtrading.qld.gov.au/ Navigate: Consumers/how to be money wise guide		How to be money wise guide		LA
Fido - ASIC	Www.fido.asic.gov.au	* *	Money quizzes resources		LA
Understanding money	www.understandingmoney.gov.au	* *	Budgets/credit		LA
Workplace Authority	http://www.workplaceauthority.gov.au/	**	Payscale summaries for Australian occupations
Phone choice	www.phonechoice.com.au	*	Phone costs		11 and 12
Real Game	www.realgame.gov.au	****	The real game is a career development program that integrates financial literacy concepts	EA	LA

Nat West

http://www.natwestf2f.com/natwest/schools.asp

*****
Excellent site
Has separate sections for 11-14, 14-16, 16-18. Builds on the age group they are in with examples of young people just a bit older. Very age appropriate.
Video clips throughout with young people and their ideas.
Interactive activities to do as you go.
Quiz at the end with answers.
Covers banking, business, credit.
Any budgeting they use concrete examples to do rather than use their own.
Interactive Game at the end for holiday shopping, excellent
Is an English site as uses pounds.  There are teachers notes and lesson plans but seem to be only available to teachers in England. 

Early adolescent	24 EA 1	24 EA 4	24 EA 5	24 EA 7	24 EA 10	24 EA 9	24 EA 11
Later adolescent	24 LA 1	24 LA 2	24 LA 3	24 LA 5	24 LA 7	24 LA 8	24 LA 9	24 LA 11

Essi Money

http://www.essimoney.com.au/

*****
This is an interactive game designed for years 9 and 10.  Students play online and make choices. It is designed to simulate 26 weeks .  4 to 5 weeks can be achieved in an hour session.  5 to 6 lessons are required.  It is advisable for the teacher to play first to see the challenges required.
Aim:

• Achieve an understanding of the basic concepts surrounding financial management, in the areas of Earning, Saving, Spending and Investing.
• Achieve an understanding of how decisions made throughout a time period can have both
• positive and negative impacts on their financial situation.

ESSI Money is segmented into several smaller sessions to accommodate different User and classroom needs and situations. It could be played in one 6 hour sitting (for e.g. a learner at home on the weekend) or be played over a number of weeks in a classroom situation.  Schools need to register and it can be accessed through a CD or online.

Operation financial literacy – mentioned on this site .  Need to register to receive a hard copy of the books, lesson plans, worksheets and access to online resources.  I have requested a copy.

Money Stuff

www.moneystuff.net.au/nsw/Home

*****

Contains factual resources, a glossary, a quick quiz, Topics relating to advertising buying a car, mobile phone, house, renting a flat, starting work
Challenge good interactive makes you chose and make decisions but gives information and fun stories about it  (purchasing a car, mobile, house or work)
Just the facts – gives information regarding lots of topics from door to door salesman, purchasing.  Easy to read , dot points written with students in mind Buying stuff, Car, Computer,Credit, Mobile phones, Renting, Work smart. These topics have a list of subtopics.

Teacher reasources
The Money Stuff! Teachers' resources section contains print resources and video resources.  

The video resources contain a series of learning sequences under ten topic headings. Each sequence contains a video segment and a set of activities that relate directly to the NSW Money Stuff teacher resource books. The learning sequences are also applicable to Victorian teachers and to teachers in the Northern Territory.

The print resources contain the outcomes, activities and worksheets that can also be found in the NSW Money Stuff teacher resource books and the Northern territory resource books.

Print resources for Victorian teachers are available as links to the Victorian resource books on their own website. They contain learning outcomes, background information and worksheets.

All resources are designed to be used together with the website and video, or independently.

Master of the mall game: interactive relatively simple but fun.

Early adolescent	Not appropriate
Later adolescent	24 LA 1	24 LA 2	24 LA 4	24 LA 5	24 LA 6	24 LA 7	24 LA 9	24 LA 10	24 LA 11	24 LA 12

Finance first

www.financefirst.net.au

* * * * good

Written by NSW education department linked to curriculum of the ACT

Calculating the Cost 

• Mobile phone contract 
• Money as a tool
• Financial source and resources
• The main event

Good worksheets for discussion and activities. The main event is only relevant if you want to organise an activity or set up an assignment to do so.
Resource states 20 hours. The main event would use a significant amount of this time. But Early Adolescent would take approximately 6-10 hours even with vigorous discussions and significant follow up activities.  Later adolescent 4 to 6 hours.
A couple of references to grade 6 but could easily be deleted.
 

Early adolescent	24 EA 1	24 EA 3	24 EA 4	24 EA 5	24 EA 7	24 EA 9	24 EA 10	24 EA 11
Later adolescent	24 LA 1	24 LA 2	24 LA 5	24 LA 7	24 LA 8	24 LA 10	24 LA 11

Consumer Stuff for Kids

www.consumer.vic.gov.au

****

spotlight/young consumers and students/ resources for primary teachers

Designed for Year 5 and 6 students  .
Free handbook available ( written early 2008)
Consumer stuff for kids is downloadable as well.

• 8 modules : Consumer Stuff for Kids - Introduction
• Unit 1 - I am a Consumer
• Unit 2 - An Informed Consumer)
• Unit 3 - Let's Work
• Unit 4 - Money, Money, Money
• Unit 5 - What is an Economy?
• Unit 6 - Consuming Planet Earth)
• Unit 7 - How Can We Make Money?
• Unit 8 - Is Advertising Consuming Me?

Teacher notes, lesson plans for 50-60 minutes. Lots of activities. Home activities also.

Early adolescent

24 EA 2

24 EA 3

24 EA 5

24 EA 8

24 EA 11

24 EA 12

Consumer resource books

www.consumer.vic.gov.au

****
spotlight/young consumers and students/ resources for secondary teachers

The units all provide teachers with:
– background information
– a list of learning outcomes and key concepts
– engaging introductory activities
– worksheets and extension tasks
– a revision activity to test students understanding of the unit.

The Commerce Resource Book provides information and activities such on how to make consumer choices, going shopping, affluenza, consumers and the marketplace, how to be a consumer detective, consumer rights and responsibilities, managing your money, and the global consumer
The Consuming Planet Earth Resource Book for Teachers provides curriculum materials on environmental and sustainability issues and how they relate to young consumers.
The English Resource Book covers issues such as the exploring of different types of text, the lure of advertising, informative and instructional writing on credit and shopping, making a complaint, and reading the fine print.
The Maths Resource Book covers topics including budgeting, buying things, paying bills (such as phone bills), credit and loans
Applied Learning Handbook covers integrated units of work on consumer issues such as body image, shopping rights, mobile phones, buying a car, scams and sustainable consumerism
Health & Wellbeing Resource Book for Teachers curriculum material for teachers of Health, Home Economics, Food and Technology, Physical Education, VCAL Personal Development, Health and Human Development

Later adolescent

24 LA 1

24 LA 2

24 LA 5

24 LA 7

24 LA 8

24 LA 10

24 LA 11

Spendwell

www.spendwell.com.au

****

Animated program designed for year s 6 to 9 students uses problem solving activities suitable for cooperative, group work or individual learning. Students look at problems involved in buying. Living away from home, mobile phone usage , online shopping.

Simple graphics , year 8/9 may find the graphics too simple.Good problems but instant responses. Wouldn’t take very long to do many of them.

Early adolescent	24 EA 2	24 EA 3	24 EA 9
Later adolescent	24 LA 1	24 LA 6	24 LA 10	24 LA 11

Real Game

www.realgame.gov.au

****
The real game is a career development program that integrates financial literacy concepts .Involves significant hours 15 – 25 hours.
What if we could give young people a practice run at being an adult while they’re still in school - something that feels like the real world they’ll soon be part of?
Site licence required.  Lessons plans, printed booklets also interactive.  Need to buy a copy to go through it.  On the website there are detailedinformation regarding each module within  the game. This gives good information. Letter for parents detailing what it is about. Completion certificates.

 Five versions for different year levels

• The Play Real Game – for students aged 8 to 10 (piloted in 2003);
• The Make It Real Game – for students aged 10 to 12 (piloted in 2001);
• The Real Game – for students aged 12 to 14 (piloted in 2000, revised and updated in 2006);
• The Be Real Game – for students aged 14 to 16 (piloted in 2001);
• The Get Real Game – for students aged 16 to 18 (piloted in 2003).

Details as described:

The Play Real Game is a career and life skills programme aimed at students aged 8 to 10.The core activities take 10 to 11 hours of class time to complete. Optional activities provide opportunities to involve other teachers, parents, guardians and people from the local community.

In The Play Real Game is a program where students assume roles and explore aspects of adult life. The central element of the program is the selection and assumption of life/work roles by the students. Students establish a local economy and place essential services and businesses in their neighbourhoods, which join to form a town. Students learn about the concept of a global economy when they seek extra workers from outside the town.

The Make It Real Game is a career and life skills programme aimed at students aged 10 to 12. The core activitiestake 15 to 17 hours of class time to complete. Optional activities provide opportunities to involve other teachers, parents, guardians and people from the local community.
In a fun learning environment, students create and name their own town and local neighbourhoods. They locate key public buildings, choose and locate their housing and identify key transport options. They then form and name a small company. Finally, they carry out an assignment as a business team.
Through these activities, students improve their personal and interpersonal skills. By exploring the various services and occupations that combine to make a town, students begin to understand terms such as community, business and occupation. They learn the importance of education and qualifications for getting the jobs they want and appreciate that there are different learning pathways for achieving their career goals.

The Real Game is a career and life skills programme aimed at students aged 12 to 14. The core activities take 18 to 23 hours of class time to complete. Optional activities provide opportunities to involve other teachers, parents, guardians and people from the local community. At the beginning of The Real Game students create wish lists of things they would like as adults. After assuming randomly assigned life/work roles, they experience a “reality check” as they balance their monthly budgets, cope with unexpected chance events, and explore the balance between work and the rest of their lives. They create an imaginary community, and plan group holidays taking into account individual budgets and work schedules. As their role characters are made redundant, they learn how to adapt to change and unexpected situations, and use their transferable skills to enable them to create new work opportunities. Finally, students leave their roles behind and imagine themselves in the future, developing their own personal life/work profiles.

The Be Real Game is a career and life skills programme aimed at students aged 14 to 16.The core activities take 19 to 24 hours of class time to complete. Optional activities provide opportunities to involve other teachers, parents, guardians and people from the local community. In The Be Real Game students learn how a person's career is based on the everyday choices and decisions an individual makes. These choices/decisions begin in childhood and encompass every facet of life, including family, friends, education, recreational activities, lifestyle choices, community involvement and dealing with labour market conditions. As the students role-play various employment, unemployment and family situations, they explore the importance of transferable skills, self-knowledge, lifelong learning and the primacy of career planning to achieving satisfying, fulfilling lives. They are exposed to dozens of occupational possibilities and are actively encouraged to pursue and realise their dreams. Young people benefit by recognising and appreciating the pathway options open to them and becoming more confident about making decisions that will impact on their future lives.

The Get Real Game is a career and life skills programme aimed at students aged 16 to 18.The core activities take 13 to 20 hours of class time to complete. Optional activities provide opportunities to involve other teachers, parents, guardians and people from the local community. The Get Real Game is a career education life/work development program that enables students to rehearse for, experiment with and learn the pros and cons of various gateway options from secondary school to their own adult futures in simulations that are realistic, yet risk-free. Students begin by investigating a range of work clusters and career gateways which takes them through a sequence of exploring education, life/work experiences and essential skills necessary for today’s world.

Get out there

http://www.getoutthere.qld.gov.au/#Home

*** Is a city based information source.  Click on different buildings and lot of information comes up.  Very visual but after clicking is text only.

Get out there is a new website for young adults. Learn everything you need to know about:

• keeping your money under control
• your rights as a consumer
• renting your own place
• buying a car
• buying a mobile phone
• finding the right job.

Early adolescent	24 EA 1	24 EA 3	24 EA 5
Later adolescent	24 LA 1	24 LA 2	24 LA 5	24 LA 7	24 LA 8	24 LA 9	24 LA 10	24 LA 11

Fair trading – Buy smart

 http://www.fairtrading.qld.gov.au/
Navigate: teachers/buy smart/teacher resources but may not be currently available

*** Teacher resource kit This kit covers a range of consumer topics and encourages students of all ages to adopt smart consumer habits.
The kit contains:

• suggested topics and presentation ideas for competition entries
• classroom activities for primary and high school student levels
• other activities which can be adapted to a variety of year levels.

Activities are available in each of the following categories:

• Primary level
• Secondary level
• Enhancing
• Synthesising
• Reflecting
• Credit and budgeting.

Activities are paper based and have a variety of styles.  Many suggestions about activities you could do with different year groups.  Created in line with Queensland curriculum documents.

Early adolescent	24 EA 1	24 EA 3	24 EA 5
Later adolescent	24 LA 1	24 LA 2	24 LA 6	24 LA 7

Fair trading – How to be money wise

http://www.fairtrading.qld.gov.au/
Navigate: Consumers/how to be money wise guide but may not be currently available

*** Lots of information (very wordy) but has good case studies.

How to be moneywise is a free publication designed to provide advice to Queensland consumers on how to manage money.  Available on line. The publication covers a range of topics outlining the real cost of credit, how to use credit wisely, how to avoid getting in over your head, and what to do if you need help. It also has information on the different types of loans available*, finance brokers, how to deal with harassment from creditors and a useful contacts section.
It is packed full of practical information and tips to help people including information on:

• Applying for credit and the credit contract
• Creating a budget and sticking to it
• Finance brokers
• Interest free loans
• Car finance
• Pay day loans
• Personal loans
• Property loans
• Student loans
• Credit cards
• Alternatives to credit
• Struggling with debt and getting help
• Relationship debt

Early adolescent	Not appropriate
Later adolescent	24 LA 2	24 LA 2	24 LA 6	24 LA 7	24 LA 8	24 LA 9

Fido - ASIC

www.fido.asic.gov.au

**  Good quizzes, radio programs and calculators

A series of quizzes (money, investments, young persons, valentines, super) which give feedback with the 9 questions.
Online radio programs adults talking and their perspective  (around 7 minutes each)
Online calculators with associated graphs ( credit cards, compound interest, superannuation)
Very text based lots of information.  Good resources.
Site very wordy and not student friendly.

Later Adolescent only or year 11 and 12

Understanding money

www.understandingmoney.gov.au

**    Some electronic files useful but small. Very text based. Lots of information and reading.  Good for references but not very student friendly. 

Electronic:
Budget planner, savings calculator, borrowing calculator,
Financial health check – quiz with related responses (10 questions)
Links to many government organisations

Many areas covered:
Putting yourself in charge
            Budgeting, saving, investing, Understanding Credit, Controlling your debt, insurance, protecting your money, getting advice, superannuation
Life happens
            Buying a mobile, starting work, continuing education, n=buying a car, leaving home, Buying a home, Having children, families and money, Losing your partner., getting a windfall, losing your job, Retirement

Later adolescent

24 LA 2

24 LA 3

24 LA 4

24 LA 5

24 LA 6

24 LA 7

24 LA 8

24 LA 9

24 LA 12

Phone choice

www.phonechoice.com.au

*  very wordy

Many tables are hard to know how to enter relevant things too many options to choose.

Payscales

www.workplaceauthority.gov.au/Payscale summaries

This site has the pay scale for occupations in Australia.  Updated regularly.