Practice paychecks, credit, accounts, borrowing, investing, and the connected decisions that prepare you for adulthood.
Practical, guided learning for ages 14–18. Explore a free sample or purchase the complete workbook securely on Payhip.
Available now · Printable Digital PDFLearn to read what you earn, investigate what is deducted, and plan what you keep. Detailed fictional pay records connect job offers, timecards, payroll math, budgets, and a final investigation.
$19.9958 pages · Ages 14–18
Buy on Payhip — $19.99 View details and free sample →
Available now · Printable Digital PDFA structured credit mini-course built around evidence and responsible decisions. Twelve modules move from credit fundamentals to reports, borrowing costs, protection, and a complete fictional credit-file investigation.
$24.9964 pages · Ages 14–18
Buy on Payhip — $24.99 View details and free sample →Six familiar friends, with money skills that grow alongside you.
Every topic has instruction, vocabulary, examples, an interactive activity, a feedback quiz, and a free practice PDF.
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The wage in a job offer is not the amount deposited. Reading the details helps you plan spending and notice missing hours or incorrect deductions.
Start lessonLESSON 02 · CLEOInformation in a credit file can affect future borrowing and some other applications. Learning to read a file is more useful than chasing a promised score increase.
Start lessonLESSON 03 · CLEOA small required payment can keep a bill current while leaving a large balance that costs interest for a long time.
Start lessonLESSON 04 · BENNYIndependent living brings several bills at once. A plan needs to cover the full month, not just the largest bill.
Start lessonLESSON 05 · SAMMYAccount access is useful only when you understand costs, pending payments, security, and what is actually protected.
Start lessonLESSON 06 · SAMMYA refund is a reconciliation of payments and tax rules, not free extra wages or proof that a payroll estimate was exact.
Start lessonLESSON 07 · CLEOA lower monthly payment can hide a longer commitment and a larger total cost.
Start lessonLESSON 08 · IZZYLonger-term goals need an understanding of uncertainty, time, costs, and the difference between a mathematical illustration and a promised return.
Start lessonLESSON 09 · CLEOProtecting access and responding quickly can limit damage when a suspicious message or unfamiliar account appears.
Start lessonLESSON 10 · PENNYA confident transition to adulthood comes from connected decisions, not from memorizing isolated definitions.
Start lessonInvestigate fictional pay stubs, calculate gross and net pay, and identify inconsistent lines.
Play the challenge →Practice borrowing, payment, report-review, and protection decisions without inventing an exact credit score.
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