Pocket money, mobile phone contracts, in-app purchases or their first current account – children and teenagers come into contact with money at an early age. The earlier they learn how to handle their personal finances responsibly, the more likely it is that they can avoid running into financial difficulties later.
That is why financial education and the teaching of financial competence in schools has been a matter close to the heart of Volkswagen Financial Services for many years. Volkswagen Financial Services were a partner in the non-profit initiative My Finance Coach since 2013. Numerous employees became involved in the program. As so-called "Finance Coaches", they taught children and youngsters how to manage money responsibly during the course of around 700 classroom visits at 50 schools in the Braunschweig region.
Although the My Finance Coach initiative ended in spring 2019, we have decided to make all the instruction material available to a wider public free of charge and in a neutralized form.
The possibility to download and make use of these documents is particularly aimed at teachers and educators who want to incorporate the subject of financial education in a structured manner into their lessons or project weeks. Volkswagen Financial Services assume no guarantee and/or liability for the material. The documents are no longer being updated.
The training modules, units and their focus:
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Training 1 - Introduction
Content:
Basic:- Pupils' strengths and preferences
- Wishes, goals and dreams of young people
- Ways and possibilities of fulfilling short-term wishes and dreams
- Functions and forms of money
- Creative approach to the semantic field money/finance
Downloads
HandbookJan 22, 2020 HandbookBasic presentation animationJan 22, 2020 Basic presentation animationBasic presentationJan 22, 2020 Basic presentationWorksheet 2 / DIN A5Jan 22, 2020 Arbeitsblatt 2 / DIN A5Worksheet 2 / DIN A4Jan 22, 2020 Worksheet 2 / DIN A4Worksheet student's bookletJan 22, 2020 Worksheet student's booklet -
Training 2 - Purchasing
Content:
Basic:- Desired purchases and necessary buys, critical consumer behavior, risk of over-indebtedness
- Goals and strategies of advertising, critical examination of advertisements, purchase criteria and purchase decisions
- Purchase contract, consumer credits and obligations, general terms and conditions of business, the "pocket money section" of the German Civil Code (payment by minors with own means)
Consolidation:
- Critically analyzing advertisements
- Identifying purchase criteria
- Thinking about purchase decisions
Extension:
- Purchase contract: rights and obligationsn
- The "pocket money section" of the German Civil Code
- General terms and conditions of business
- Consumer rights and obligations
Downloads
In-depth presentation with animationJan 22, 2020 In-depth presentation with animationIn-depth presentationJan 22, 2020 In-depth presentationHandbookJan 22, 2020 HandbookBasic presentation with animationJan 22, 2020 Basic presentation with animationBasic presentationJan 22, 2020 Basic presentationWorksheet student's bookletJan 22, 2020 Worksheet student's booklet -
Training 3 - Planning
Content:
Basic:- Planning and plans in everyday life
- Income and spending
- Cost categories and income opportunities
Consolidation:- Income and expenditure plans
- Short-term financial planning in everyday life
Extention:- Financial and life planning in different phases of life
- Investments in the future
Downloads
In-depth presentation with animationJan 22, 2020 In-depth presentation with animationIn-depth presentationJan 22, 2020 In-depth presentationHandbookJan 22, 2020 HandbookExtension of presentation with animationJan 22, 2020 Extension of presentation with animationExtension of presentationJan 22, 2020 Extension of presentationBasic presentation with animationJan 22, 2020 Basic presentation with animationBasic presentationJan 22, 2020 Basic presentationExtension of worksheets student's booklet (4 pages)Jan 22, 2020 Extension of worksheets student's booklet (4 pages)Worksheets student's bookletJan 22, 2020 Worksheets student's booklet -
Training 4 - Saving
Content:
Basic:- What can young people do with their money?
- Why can it make sense to save?
- Different forms of investment and their special features
- The Magic Triangle (return [profit after costs], risk and liquidity)
- Conflicts of interest and compromises in everyday life and investment
- Tips for consultations
Consolidation:- The Magic Triangle
- Conflicting goals when investing money
- Subsidies from the state and employers
- Conducting successful consultations
Extension:- Calculating interest and compound interest
- Principles and significance of interest and compound interest
- Credit types and interest
Downloads
In-depth presentation with animationJan 22, 2020 In-depth presentation with animationIn-depth presentationJan 22, 2020 In-depth presentationHandbookJan 22, 2020 HandbookExtension of presentation with animationJan 22, 2020 Extension of presentation with animationExtension of presentationJan 22, 2020 Extension of presentationBasic presentation with animationJan 22, 2020 Basic presentation with animationBasic presentationJan 22, 2020 Basic presentationBasic Worksheets / DIN A4Jan 22, 2020 Basic Worksheets / DIN A4Worksheets types of investmentJan 22, 2020 Worksheets types of investment -
Training 5 - Risk Management
Content:
Basic:- Risk situations in everyday life
- Risk categories
- Dealing with and protecting against risks
- Repercussions of taking individual risks
- The solidarity principle with the example of statutory compulsory insurance
Consolidation:- The solidarity principle with the example of statutory compulsory insurance
- Forms of personal risk insurance
- Repercussions of risky conduct
Extension:- Phases of life and their risks
- Change in the perception of risk
- Change of behavior in risk situations
Downloads
In-depth presentation with animationJan 22, 2020 In-depth presentation with animationIn-depth presentationJan 22, 2020 In-depth presentationIn-depth worksheetJan 22, 2020 In-depth worksheetHandbookJan 22, 2020 HandbookExtension of presentation with animationJan 22, 2020 Extension of presentation with animationExtension of presentationJan 22, 2020 Erweiterung PräsentationExtension of class resultsJan 22, 2020 Erweiterung KlassenergebnisseExtension of worksheetJan 22, 2020 Extension of worksheetBasic presentation with animationJan 22, 2020 Basic presentation with animationBasic presentationJan 22, 2020 Basic presentationWorksheet 2A-EJan 22, 2020 Worksheet 2A-EWorksheet 1Jan 22, 2020 Worksheet 1 -
Training 6 - Environment and Economy
Content:
Basic:- Environmental protection and economic interests – contradictory or compatible?
- Life cycle of a mobile phone
- The global value chain with the example of a mobile phone
- Scarcity of resources and consumer habits
Consolidation:- Sustainability as a concept
- The three pillars of sustainability
- Cost structures of conventional and sustainable production
Extension:- CO2 and the greenhouse effect
- CO2 emissions in everyday life
- The "Ecological Footprint"
- Reduction of CO2 production in everyday life
Downloads
In-depth presentation with animationJan 22, 2020 In-depth presentation with animationHandbook 2016 environment-businessJan 22, 2020 Handbook 2016 environment-businessExtension of presentation with animationJan 22, 2020 Extension of presentation with animationExtension of presentationJan 22, 2020 Extension of presentationBasic class results / DIN A4Jan 22, 2020 Basic class results / DIN A4Basic presentation with animationJan 22, 2020 Basic presentation with animationBasic presentationJan 22, 2020 Basic presentationWorksheets student's bookletJan 22, 2020 Worksheets student's booklet -
Training 7 - Online and Finances
Content:
Basic:- Habits of media usage
- Advantages and disadvantages of Internet use
- Costs of Internet use
- Earning opportunities in the Internet
- Data protection
Consolidation:- Copyright & streaming
- Music piracy and economic consequences
- Role play: talk show – issues relating to the value of music
Extension:
- Internet of Things
- Cybercrime
- Recommended action for data protection
Downloads
In-depth / extended presentationJan 22, 2020 In-depth / extended presentationIn-depth study / extensionJan 22, 2020 In-depth study / extensionHandbookJan 22, 2020 HandbookBasic presentationJan 22, 2020 Basic presentationBasic worksheetsJan 22, 2020 Basic worksheets
