Credit, Debit and Decisions

Money Life Skills for Teens
(Ages 16-18)

Smart financial choices aren’t just about numbers they’re about mindset, awareness, and responsibility.
At Shiminly, we believe financial confidence begins with understanding how your decisions shape your future. This self-paced course helps students think critically about money, recognise the difference between healthy and harmful debt, and develop habits that lead to lasting independence. Through reflection and practice, students learn to pause before they spend, question before they borrow, and plan before they commit building not just financial literacy, but financial integrity.

Core Skill

Critical Thinking

Designed For

Ages 16-18

Duration

60 minutes

Who It’s For

This course is ideal for students aged 16–18 who are beginning to make independent financial choices and want to understand how money really works. It’s designed for learners who are curious about credit, debt, and budgeting and who want to build the confidence to make smart, responsible decisions about borrowing and spending.

What’s Included

Real-life scenarios & quizzes

Reflection journals & tools

Final assessment & certificate

Downloadable glossary & reference sheet

Why This Matters

Teens and young adults face more financial choices than ever from managing bank accounts to using credit cards and navigating online payments. Without the right knowledge, it’s easy to fall into costly habits or long-term debt.



Ready to Make Smarter Money Decisions?

Learn at your own pace with real-world content designed to help you understand how money really works from debit and credit to interest, loans, and financial confidence.
You’ll explore how everyday choices around spending, saving, and borrowing shape your independence and your future opportunities.
In this course, you’ll:
  • Understand the difference between credit, debit, and debt and how each affects your future
  • Discover how interest and credit scores influence borrowing power
  • Learn to compare financial offers and spot hidden costs
  • Practice making confident, responsible financial decisions
  • Build habits that support long-term stability and financial freedom
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