Debt PSHE
Subject: Personal, social and health education
Age range: 14-16
Resource type: Lesson (complete)
A fully-resourced PSHE lesson all about the risks of getting into debt such as with payday loans, why so many people are using them and the detrimental effect they can have on people’s lives. The lesson investigates whether and how payday loan companies target the vulnerable and exactly how APR can mount up to be unmanageable in a short amount of time.
The lesson includes one 1hour - 90 minute detailed PowerPoint, differentiated challenge activities and worksheets, clips tasks with questions, debate focus task and a creative / group task. These resources have been designed to be engaging, detailed and easy to follow.
The lesson has been left editable and is filled with engaging, well differentiated and fun activities. The slides in the preview are just a sample and don’t show the whole lesson.
You can find many more inexpensive and free PSHE, Citizenship and RE resources at my shop: MORE PSHE RESOURCES
A bundle is a package of resources grouped together to teach a particular topic, or a series of lessons, in one place.
New KS5 PSHE / RSE unit of 20 hours in 15 downloads. These lessons were created specifically for KS5 to fit with the newly released DfE guidelines categorised by the PSHE Association as the PSHE category 'Living in the Wider World'. They all work as standalone lessons but also make up part of the Complete KS5 Package (which can be found on the EC Publishing website with a quick Google). All lessons include a well differentiated PowerPoint, detailed worksheets, information sheets, engaging activities, clips and accompanying question tasks. Many more PSHE Resources available at my store [here.](https://www.tes.com/teaching-resources/shop/EC_Resources) Who are EC Resources? EC Resources are the top TES PSHE providers and are a group of teachers who work together to create easy to use, high quality and editable lessons and units of work. We have created lessons for The Children's Commissioner, The Bank of England MACS Charity, Tes, LikeToBe Careers, the Criminal Cases Review Commission (UK Gov) and have also completed PSHE and Citizenship commissions for schools across the UK. Check out our PSHE Packages here: [Complete KS3 PSHE and RSE](https://www.tes.com/teaching-resource/pshe-complete-ks3-pshe-11897912) [Complete KS4 PSHE and RSE](https://www.tes.com/teaching-resource/complete-ks4-pshe-rse-12059669) [One Year of KS5 PSHE and RSE](https://www.tes.com/teaching-resource/one-year-of-ks5-pshe-12188834) [One Year of Citizenship and British Values](https://www.tes.com/teaching-resource/citizenship-citizenship-one-year-s-worth-11551737) [Complete Year 7 and 8 RE](https://www.tes.com/teaching-resource/drugs-and-alcohol-11493122) [Complete Careers and Employability](https://www.tes.com/teaching-resource/employment-11488708) [AQA Citizenship GCSE Mega Pack](https://www.tes.com/teaching-resource/prejudice-and-discrimination-11363222) You can contact us at info@ecpublishing.co.uk Teaching PSHE, RE or Citizenship GCSE next year? Why not join our [Citizenship and PSHE teachers Facebook group,](https://www.facebook.com/groups/2069848026578974/) with 6000 other teachers, for guidance, advice and resource sharing.
NEW - 20 PSHE lessons designed for KS5 (but could be used by KS4 especially, Year 11 too), written as a KS5 continuation for the DfE's latest PSHE/ RSE guidance for 2020. There is also a 'One Year of KS5 PSHE' pack, which contains all these and more, [available here.](https://www.tes.com/teaching-resource/one-year-of-ks5-pshe-12188834) This unit is intended as a follow-up pack to the Complete KS4 PSHE Pack but still works perfectly as standalone without having completed those resources. These are new and don't appear in the EC Resources Complete KS3 / KS4 Packs. I'll be adding more as I make them! If you were looking for the **Complete KS4 Two Years of PSHE Pack**, then you can find that here. [Complete KS4 PSHE Pack for Years 10 and 11](https://www.tes.com/teaching-resource/complete-ks4-pshe-rse-12059669) If you were looking for the **Complete KS3 Three Years of PSHE Pack**, then you can find that here. [Complete KS3 PSHE Pack for 7, 8, 9.](https://www.tes.com/teaching-resource/pshe-complete-ks3-pshe-11897912) This pack contains 20 x fully resourced, highly-rated PSHE lesson packs. All are complete with at least one hour-long PowerPoint, accompanying differentiated worksheets, clip links with questions, plenaries, clear LOs, starters and engaging activities and all are well differentiated to three levels throughout. EC Resources PSHE lessons have been highly-rated individually by TES users, follow the same consistent format and are easy to pick up and use. They are all planned according to PSHE Association guidance and created in preparation for the new statutory RSE guidance from the DfE. **EC Resources has created lessons for The Children's Commissioner, MACS Charity, The CCRC and has completed PSHE commissions for schools across the UK. ** These resources could also be used in Tutor Time, in which case there is enough material for 20x half an hour sessions (as some of the PowerPoints last 90 minutes). There is zero extra work required (although everything is editable if you do want to adapt it), and the whole bundle also follows specific KS4/5 PSHE Association topic recommendations and Ofsted latest RSE/Safe Students guidance. I also have a **ONE YEAR OF CITIZENSHIP **bundle (37 lessons) [available here.](https://www.tes.com/teaching-resource/citizenship-citizenship-one-year-s-worth-11551737) and I have a **ONE YEAR OF RE** bundle (36 lessons) [available here:](https://www.tes.com/teaching-resource/general-elections-bundle-11594240) and finally a **ONE YEAR OF KS3 HISTORY **(36 lessons) [available here.](https://www.tes.com/teaching-resource/martin-luther-king-and-civil-rights-11521303) Many more inexpensive and free resources for each secondary year group at [my shop:](https://www.tes.com/teaching-resources/shop/EC_Resources)
16 HOURS UNIT (more just added!)- Bank Accounts, Tax, Debt, Budgeting, Inflation, Economy - everything! 50x resources in 14 lesson packs. Well differentiated to three challenge levels - all hour long PowerPoints come with clear LOs, starters, plenaries, accompanying clips and worksheets. Created by EC Publishing - who recently made the Bank of England's financial education resources.<br /> <br /> <br /> 1. Income and Expenditure Introduction- credit and debit<br /> 2. Budgeting - being financially savvy and keeping to a personal budget<br /> 3. Payslips, tax and national insurance.<br /> 4. Public money - how it's spent nationally and locally.<br /> 5. Saving, investing and pensions - how to plan for a secure financial future.<br /> 6. Personal finance and debt- managing your finances sensibly.<br /> 7. Financial products- debit cards, loans, credit cards, bank accounts, what are they for and how do we use them.<br /> 9. Money Laundering - what is it and why shouldn't we do it.<br /> 10. Financial Products, loans, avings and management.<br /> 11. Independent living - with a focus on being financially literate and self-sufficient.<br /> 12. What are payday loans and why are these so risky?<br /> 13. Why do I need to know about pensions?<br /> 14. Buying or renting? Cars and houses.<br /> 15. The cost of Living Crisis<br /> 16. The economy<br /> <br /> Variety of different level tasks for MA,LA or Core. Suitable for secondary - all editable.<br /> <br /> ALSO - Leave me a review and I'll send you a resource of your choice for free.<br /> Differentiated to 3 levels or 4 levels where possible<br /> Designed to fit Ofsted criteria for' Good' or above<br /> Credit to BBC for clip and links<br /> <br /> Many more inexpensive and free resources for PSHE, Citizenship 9-1 and Religious Education at my shop: [EC_Resources <br /> Leave me a review and pick any other resource for free :)](https://www.tes.com/teaching-resources/shop/EC_Resources)
20 (more added!) x fully resourced, highly-rated PSHEE lesson packs suitable for KS4/5. All 20 lesson packs are complete with at least one hour-long powerpoint, accompanying differentiated worksheets, clip links with questions, plenaries, clear LOs, starters and all are well differentiated to three levels throughout. These resources have been highly-rated individually by TES users, follow the same consistent format and are easy to follow. This pack has more of a focus on economic, careers and financial education as well as the latest SRE and mental health recommendations. There is zero extra work required, and the whole bundle follows PSHE Association topic recommendations and Ofsted latest SRE/Safe Students guidance. I use all of these myself as a Head of PSHE and I really hope you find them excellent value. I've put literally months of time into this to make these lessons top quality for my own school team. If you like this, we offer a complete PSHE for KS3 package planned to meet the PSHE Association guidelines for 2020-24. You can view it here: [Complete PSHE for KS3](https://www.tes.com/teaching-resource/pshe-complete-ks3-pshe-11897912) Check out the EC Publishing website for full, affordable PSHE, Citizenship and RE Packages for all year groups including the new 2024 Complete PSHE Package. You can contact us at info@ecpublishing.co.uk Please leave me a review and I'll send you any other resource of your choice for free. You can find many more inexpensive and free PSHE, Citizenship and RE resources at my shop: [EC_Resources Leave me a review and pick any other resource for free :)](https://www.tes.com/teaching-resources/shop/EC_Resources)
(36 HOURS IN 20 DOWNLOADS) Our one-year of PSHE for KS5 pack is the next step for students after our [Complete KS4 PSHE](https://www.tes.com/teaching-resource/complete-ks4-pshe-rse-12059669) unit and delves into further detail on the PSHE Association’s recommended topics from their secondary 2020 guidance. The pack contains 36 hours' worth of material (many of these lessons have been designed to last two hours). This is a mix of Year 12 and Year 13 lessons. You can find the Complete KS5 Package discounted at the EC Publishing website. Contact us at info@ecpublishing.co.uk. There is a heavy focus on careers in this KS5 pack (see ten lesson careers unit included), but also on relatively new issues your students will have to tackle as young adults in an ever changing world - from extremist online subcultures and payday loans, to climate change, coercive relationships and safe clubbing and partying. This pack is tailored specifically for sixth-formers who are just taking their first steps towards being independent adults. All lesson packs are complete with detailed, well-differentiated and easy to follow PowerPoints for every lesson, accompanying differentiated worksheets, clip links with questions, plenaries, clear LOs, starters and engaging activities. None of these lessons appear in the EC Resources [Complete KS3 ](https://www.tes.com/teaching-resource/pshe-complete-ks3-pshe-11897912)or [Complete KS4 packs](https://www.tes.com/teaching-resource/complete-ks4-pshe-rse-12059669), although many of these lessons are also suitable for KS4. If you are a purchasing this with a whole school license, you also have the option to pay through school invoice - just contact us at info@ecpublishing.co.uk and let us know you'd like to. EC Resources has created lessons for The Children's Commissioner, MACS Charity, Tes, LikeToBe Careers, The CCRC and has completed PSHE and Citizenship commissions for schools across the UK. Many more PSHE, RE, Citizenship GCSE and Tutor Time resources at our[ Tes store](https://www.tes.com/teaching-resources/shop/EC_Resources)
4 hours of fully resourced, PSHE / Financial Literacy lesson packs all about debt, money problems and how to avoid getting into tricky financial circumstances. **Lessons included:** 1: What is debt? How can we manage our personal finances to avoid getting into debt? 2. What are payday loans? Why do people take them out and how hard are they to pay back? 3. Why do people use credit cards? What are the positives and negatives and how can we use them responsibly? 4. What is money laundering? Why is it illegal and how are some criminals tricking students into hiding their money? All lesson packs are complete with a detailed PowerPoint, accompanying differentiated worksheets, clip links with questions, plenaries, clear LOs and starters. All are well differentiated to three levels throughout to enable clear evidence of progress for all students. All created using PSHE Association guidelines. Many more inexpensive PSHE, RE and Citizenship GCSE free resources at my shop: [EC_Resources Leave me a review and pick any other resource for free :)](https://www.tes.com/teaching-resources/shop/EC_Resources)
18 hours of fully resourced, highly-rated Finance and Employment lesson packs (one is a double lesson), all created to fit the new PSHE 2020 Statutory Guidelines and Gatsby Careers Guidance. All are complete with detailed PowerPoints, accompanying worksheets, clips and well differentiated to three levels. I use all of these myself as a Head of Citizenship and PSHE and I really hope you find them excellent value. I've put literally months of time into this to make these lessons top quality for my own school team. Many more inexpensive and free resources at my shop: [EC_Resources Leave me a review and pick any other resource for free :)](https://www.tes.com/teaching-resources/shop/EC_Resources)
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