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Frequently asked questions
General
Smartmonies is a UK financial literacy programme for children aged 8–12, teaching real life skills through live online classes with a qualified teachers. Lessons cover where money comes from, budgeting, saving, spending choices and the basics of investing — explained in simple, age-appropriate language. The programme holds the Young Enterprise Quality Mark and is run by AYNAM LIMITED, registered in England and Wales (company no. 13693137).
The programme is designed for children aged 8 to 12. Research from the University of Cambridge for the Money Advice Service found that money habits begin forming around age 7 — this age range is when children already handle pocket money, in-game purchases and shop decisions, but can still build calm money habits before the teenage years.
A single class costs £50, and the full 10-class course costs £475 — about 15% less than paying per class. There's no subscription and no hidden extras. Many families start with one class to see whether the format suits their child. We're committed to keeping financial education accessible — if pricing is a barrier, contact us at info@smartmonies.co.uk to discuss flexible options.
The 10-class course takes children from "what is money and where does it come from" through earning, budgeting, saving, needs vs wants, smart spending, what is tax in simple terms, cost of living in different places and an age-appropriate introduction to banks and investing. Each class is built around situations children already know — pocket money, shops, game purchases — turning everyday moments into critical thinking about money, not abstract theory.
Every class is live, taught by a real teacher at a pace that suits children, over an encrypted video call. For safety, nothing is recorded — there's no library of videos to watch alone, just real-time teaching. Children can ask questions and get answers in the moment as in our experience that's what keeps 8–12 year olds engaged with a topic like money.
Yes. Smartmonies holds the Young Enterprise Quality Mark, an independent accreditation for financial education resources in the UK, awarded after review by an independent panel of educational and financial experts to ensure content is accurate, up-to-date and held to a high educational standard. You can also read independent parent reviews on Trustpilot.
No — by age 8 most children already make money decisions: spending pocket money, asking for in-game purchases, comparing what friends have. The question isn't whether they interact with money, but whether anyone has explained it. Classes are built for this age by design — short, interactive and concrete, never a shrunk-down adult course.
Classes are built around activities and real examples, not lectures, and teachers adapt to each child — moving at their pace, so every child can engage in a way that works for them. If you're unsure whether it will hold your child's attention, book a single class (£50) first — that's exactly what it's for. No commitment to the full course.
Apps and cards (GoHenry, HyperJar and similar) are useful tools for using money, but they don't explain it — many children spend from a card without understanding where money comes from or why it runs out. Smartmonies focuses on the understanding underneath: a live teacher helping your child make sense of money, so tools like cards and apps actually work as intended.
Frequently asked questions
General
Smartmonies is a UK financial literacy programme for children aged 8–12, teaching real life skills through live online classes with a qualified teachers. Lessons cover where money comes from, budgeting, saving, spending choices and the basics of investing — explained in simple, age-appropriate language. The programme holds the Young Enterprise Quality Mark and is run by AYNAM LIMITED, registered in England and Wales (company no. 13693137).
The programme is designed for children aged 8 to 12. Research from the University of Cambridge for the Money Advice Service found that money habits begin forming around age 7 — this age range is when children already handle pocket money, in-game purchases and shop decisions, but can still build calm money habits before the teenage years.
A single class costs £50, and the full 10-class course costs £475 — about 15% less than paying per class. There's no subscription and no hidden extras. Many families start with one class to see whether the format suits their child. We're committed to keeping financial education accessible — if pricing is a barrier, contact us at info@smartmonies.co.uk to discuss flexible options.
The 10-class course takes children from "what is money and where does it come from" through earning, budgeting, saving, needs vs wants, smart spending, what is tax in simple terms, cost of living in different places and an age-appropriate introduction to banks and investing. Each class is built around situations children already know — pocket money, shops, game purchases — turning everyday moments into critical thinking about money, not abstract theory.
Every class is live, taught by a real teacher at a pace that suits children, over an encrypted video call. For safety, nothing is recorded — there's no library of videos to watch alone, just real-time teaching. Children can ask questions and get answers in the moment as in our experience that's what keeps 8–12 year olds engaged with a topic like money.
Yes. Smartmonies holds the Young Enterprise Quality Mark, an independent accreditation for financial education resources in the UK, awarded after review by an independent panel of educational and financial experts to ensure content is accurate, up-to-date and held to a high educational standard. You can also read independent parent reviews on Trustpilot.
No — by age 8 most children already make money decisions: spending pocket money, asking for in-game purchases, comparing what friends have. The question isn't whether they interact with money, but whether anyone has explained it. Classes are built for this age by design — short, interactive and concrete, never a shrunk-down adult course.
Classes are built around activities and real examples, not lectures, and teachers adapt to each child — moving at their pace, so every child can engage in a way that works for them. If you're unsure whether it will hold your child's attention, book a single class (£50) first — that's exactly what it's for. No commitment to the full course.
Apps and cards (GoHenry, HyperJar and similar) are useful tools for using money, but they don't explain it — many children spend from a card without understanding where money comes from or why it runs out. Smartmonies focuses on the understanding underneath: a live teacher helping your child make sense of money, so tools like cards and apps actually work as intended.
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