Penny Wise finds out about Borrowing and Saving

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Produced by
Southgate Publishers (Andy Flatt)

15 copies of each of Borrowing and Saving and a Teacher’s book (other quantities available)

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Cover of Penny Wise

An attractive storybook which presents the challenges of 10 year old Penny Wise to explain the issues around Borrowing and Saving. The accompanying teacher’s book provides supportive guidance and a series of clear and lively activities to develop children's understanding of the topics.



The information in this resource is presented in a clear and concise manner that also manages to be easy and fun to read. The illustrations add to the value of the resource. 

The resource provides opportunities for individual, group and assisted learning. The letter to the parents not only informs them of the sensitive topics being covered but also gives them the opportunity to become involved - especially with homework. Pupil assessment is well catered for i.e. both teacher assessment and self assessment.

Minimum age: 
9 years
Maximum age: 
11 years
Special education needs: 

Medium learning difficulties are addressed by this resource. Each activity has useful suggestions to differentiate for less able pupils. It also specifies that pupils with language difficulties should read the book in a group with an adult.

Gifted and talented: 

Each activity has suggestions for more open-ended challenging activities for more able pupils.

Planning frameworks
Shown below is how this resource maps against the PFEG Financial Education Planning Frameworks.
Comments & reviews
Quality Mark assessors comments: 

This resource is very well presented and the information is conveyed in an easy to read format which is also light and funny. The worksheets and tasks are well thought out and the suggestions for differentiation enhances their value. The involvement of parents is essential and is well covered.  

The stories are engaging and build most effectively on using the children’s experiences of life to move them on to understand the more complex scenarios of adult life. Children would be well motivated by the clear plot of each story and benefit from the supportive illustrations. Activities are lively and suitably challenging, and offer a good sense of progression.

Teachers will appreciate the simplicity of the 3 activities for both Saving and Borrowing’ in the teacher’s book, with the opportunities to extend learning through the additional optional activities.

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