Teaching kids financial confidence
Most of us were never taught how money works. We think the next generation deserves better — and that learning it should be genuinely enjoyable.
Why we exist
Children form their attitudes to money between the ages of three and seven — long before anyone thinks to teach them. Yet financial literacy isn’t on the curriculum in any meaningful way, so whether a child learns to budget, save or spot a scam comes down to whether someone at home happens to teach them.
That follows people into adulthood: into overdrafts, credit cards, and decisions made without the vocabulary to understand them. We didn’t want to write another worksheet. Children switch off when money is taught as arithmetic, because to them it isn’t a maths problem — it’s about fairness, wanting things, and understanding why they can’t have everything at once.
What we built
Working alongside qualified teachers and specialists in child development, we built a ten-lesson programme that starts with what money actually is and ends with what it costs to run a life. Along the way it covers needs and wants, earning, saving and interest, borrowing, tax, and keeping track of what you spend.
Our live classes are taught one-to-one by a qualified teacher — not recorded, and not to a class of thirty. A nine-year-old asking a question gets an answer pitched at them, and a teacher who notices when something hasn’t landed. The same ten lessons are also available as a self-paced digital course, for families whose week won’t take a fixed slot.
Where we are now
Smartmonies teaches families across the UK, works with schools and education centres, and licenses its digital course to organisations who want to offer it to their staff’s families or members. We also work with charities to fund places for children whose families couldn’t otherwise afford them.
We’re a small team, deliberately. It means every teacher is someone we have chosen, checked and know.
Four things we hold to
Confidence over content
Knowing the words for things matters less than feeling able to make a decision. We teach for confidence first.
Fun is not a bonus
A bored child learns nothing. Games, stories and challenges aren’t decoration — they’re how the ideas stick.
Every child learns differently
One-to-one teaching lets us adapt pace, format and approach to the child in front of us, not an average.
Money is a life skill
Budgeting, saving and understanding cost of living are things everyone needs. We teach them as such.
Our founders
Jovana
Co-founder
A driving force behind innovation in education, combining experience in startups, organisational development and edtech with a passion for children’s learning. She creates fun, impactful financial literacy experiences that inspire confidence — empowering kids to take charge of their financial futures.
Veronika
Co-founder
Brings a wealth of experience from the financial sector and a heartfelt commitment to empowering children with money management skills. Blending professional expertise with a passion for teaching, she’s on a mission to make financial education exciting, accessible and life-changing for young learners.
Four ways we reach children
Schools & education centres
Accredited programmes for a class or a whole year group, invoiced directly.
Learn more →Invest in your child’s financial future
Smartmonies isn’t just a course — it’s a pathway to lasting money skills. Start with a single class, or commit to the full ten.
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