The course

• Learn Three ways into the same course: the first money you are given, the first contract you sign, and the conversation an adult has to hold. The reasoning first, your country’s figures second.
  • Your first money For anyone receiving money for the first time: where it goes without being noticed, how to keep control, and why a sum set aside works for you instead of against you.
  • Before you sign For anyone facing a contract for the first time: a loan, a subscription, an insurance policy. What to read, in what order, and the sentences that should make you put the pen down.
  • Talking about money For teachers and parents: enough to run a session or hold a conversation about money, with the exact words, the moves to demonstrate, and the mistakes that lose the room.
• Glossary The words of money in plain language: rate, compound interest, excess, cap, overdraft, guarantor. Each word with what it changes for you, and a worked example.
• Your country Reasoning about money is the same everywhere. What changes from one country to the next: the currency, the caps, the support schemes, the authority you report to. These come in as modules, never into the core.

The tools

• Calculators Enter your own figures and see what they add up to. Budget, loan, interest, insurance, promised return: everything is worked out on your device, nothing leaves it, one button clears it all.
  • Budget What comes in, what goes out without a second thought, what is left. Enter your figures: the sum is worked out on your device and nothing leaves it.
  • Cost of a loan A loan always costs more than the amount borrowed. Enter the amount, the rate and the term: you see the monthly payment, the total paid and the gap between them, in plain figures.
  • Interest and time The same formula grows savings and swells a debt. Change the time and the rate, and watch what time alone builds.
  • Insurance Depreciation, excess, cap: three words that decide what you are paid. Enter them in the order the policy uses and see what stays on you.
  • Promised return An advertised return can be turned into figures. Enter the promise: you see what it implies over one year, over several years, and how long it would take to double a sum.
• The traps The catalogue of the ways people try to take your money today, and the exact reflex for each one. We describe them to be recognised, never to be copied.
  • The fake adviser Someone calls, knows your name, talks about security and asks you to act right now. The signs that never fail, and the exact reflex.
  • The fake parcel A message announces a held parcel and asks for a few coins to release it. What the message is really after, and the exact reflex.
  • False promise An investment that pays a lot, fast and with no risk. Why the figures contradict themselves on their own, and how to check it in a minute.
  • Blackmail Someone claims to hold something about you and demands immediate payment. Why paying closes nothing, and what to do instead.
  • Romance scam A relationship that builds fast, then an urgent need for money that never ends. The stages, always the same, and the one test that settles it.
  • Fake refund You are told about an overpayment, a benefit, or the recovery of money a scam already took from you. Why a refund is never claimed this way.
• Offline and paper The whole site works without a connection once opened, and prints cleanly. Enough to run a workshop in a room with no network, or to leave a page with someone.

Read and follow

• The blog What we learn while writing this course: a trap that changes shape, a figure that goes out of date, a method that works in a classroom. Every article cites its sources.
• What’s new The timeline of this service: a blog article, a trap added to the catalogue, a calculator added to the tools, each dated by its own file. Recomposed from the content itself at every build, never maintained by hand.
• The sources Every figure on this site with its public source and the date we read it. A figure that goes out of date quickly is presented with its date attached.

Understanding this site

• Our method How this course is written, checked and corrected. What we never do: no personal advice, no brands, no affiliate links, no promised returns.
• The proof We state that nothing leaves your device. Here is how to check it yourself in three minutes, without taking our word for it: the Network tab, aeroplane mode, the source code.
• For organisations Charities, drop-in services, social workers, guardians, libraries: what this service gives you for a workshop, an appointment or a noticeboard, and how to reuse it without asking us.
• FAQ Who writes this course, why it is free, what happens to the figures you type in, why no bank is named, and how to report an error to us.

Write, reuse, correct

• Contact Two addresses, two doors: the service team for the content of the course, the ODERSA administration for the association itself. No form, no data collection.
• Report an error A wrong figure, a dead link, a phrase that misleads: tell us, and it gets fixed. The message goes through your own email software, and we keep only what you write.
• Licence and reuse The text of this service is under CC BY 4.0: copy it, translate it, print it, republish it, crediting ODERSA. The illustrations each carry their own. Here is how to credit us, and what the licence does not cover.
• Credits Who did what, which typefaces, which images, which licences. Everything we use is freely licensed, embedded in the site, and credited with its licence.
• Site map Every page of this site on a single screen, grouped by use. The list is built from the site itself: it cannot lie.

The files for machines

• The XML sitemap, for search engines.
• The blog feed, to follow in any reader.
• The site numbers, recounted at every build.
• The figures and their sources, as open data.
• The catalogue of traps and the glossary, reusable under CC BY 4.0.
• robots.txt and security.txt.