gambling harms financial education programme for schools, colleges and universities.

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1 in 4 young people believe gambling is a good way to make money

55,000 young people in the UK

are experiencing problem

gambling

Only 38% of 16–24s feel

confident managing their money

financial and gambling education prevents harm

In today’s digital age, children and young adults face unprecedented exposure to gambling, whether it’s loot boxes in video games, influencer led betting trends, and quick-credit schemes via TikTok or online ads. These phenomena pose real safeguarding risks, especially when combined with limited financial education.

Education providers have a duty to protect students not just from physical harm, but from financial exploitation, stress, and the long-term consequences of poor money decisions. On Track supports this mission with timely, preventative education centred on lived experience.

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Why Choose Us?

Safeguarding Isn't Just a Policy
Gambling harms, financial stress and mental health struggles are often hidden. That’s why On Track uses lived experience and real stories to bring these issues out of the shadows.
We equip organisations to:
- Spot the signs early– in behaviour, absence patterns, or conversations
- Provide safe signposting to specialist debt, addiction or mental health services
- Create a judgement-free culture where staff feel safe speaking up before it’s too late
Financial education isn’t just a benefit – it’s a safeguarding measure that helps prevent deeper harm.
All of our team bring real life, lived experience of financial difficulties including gambling harm
We have financially educated over 30,000 people through Online and Face to Face Learning
Combined Financial Education experience delivering to organisations

Our Flagship Workshops

On Track is our flagship training programme tackling addiction and money head-on, combining gambling harm prevention with practical, trauma-informed financial education.
Designed by experts and those with lived experience, On Track helps organisations safeguard staff, build resilience, and create a culture of awareness without shame.
Course Overview

Understanding importance of financial resilience
Know your money mindset
Build emergency funds
Use tech to support your financial goals
Plus much more!
Course outcomes
Money Hacks for day to day
Understand impact of the cost-of-living crisis
Understand the psychology of money
Home and Family Finance
Plus much more!

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Our Financial Wellbeing Experts Deliver Workshops to suit your needs

Young people are stepping into a world where financial choices start earlier than ever. From managing a first payslip to understanding the cost of living, money is a thread that runs through all aspects of life.
Our workshops give students practical tools and confidence to manage money well, reduce stress, and make informed decisions about their future. Each session is interactive, age-appropriate, and designed to fit seamlessly into your timetable. Sessions can be delivered individually or as a connected series
Earning Money
- Different ways to earn: part-time work, side hustles, self-employment
- Understanding payslips, deductions, and employee rights
- Tax, National Insurance, and student loan repayments explained
Everyday Costs
- Managing typical living expenses
- Comparing products and services for best value
- Different ways to pay, and their pros and cons
Planning & Budgeting
- How to create and stick to a budget
- Adjusting when costs change
- Setting savings goals for short- and long-term needs
Managing a Bank Account
- Choosing and using bank accounts
- Digital banking and staying safe online
- How interest, overdrafts, and charges work
Borrowing & Credit
- Understanding credit cards, loans, and overdrafts
- The long-term cost of borrowing
- Avoiding problem debt and spotting warning signs
Your Rights as a Consumer
- Knowing your rights when buying goods or services
- Staying safe when shopping online
- Handling refunds, returns, and complaints
Risk & Responsibility
- Understanding gambling, gaming, and online spending
- Recognising potential harms and peer pressure
- Building resilience and healthy habits
Housing & Independence
- Renting your first home: deposits, contracts, and bills
- Sharing costs and responsibilities fairly
- Where to get help if things go wrong
Wellbeing & Money Mindset
- How money and mental health are linked
- Building financial confidence and resilience
- Talking openly about money without fear or shame
A Bespoke Approach for Every School.
No two schools or groups of pupils are the same. That’s why we don’t believe in a “one size fits all” approach. Schools often tell us the topics they’d like to prioritise, and we design a bespoke package that reflects their students’ needs, timetable, and year group priorities.
Whether you want a single workshop on payslips for Year 11, a wellbeing and money series for sixth form, or a full programme covering multiple areas, we’ll create a package that works for you.