EMS financial literacy & entrepreneurship lessons
Request free trialCAPs aligned EMS lessons for grades 6,7,8
MoneyTime is a web-based, self-taught financial literacy curriculum that makes it easy for South African teachers to teach EMS.
It contains 30 digital financial literacy, entrepreneurship and economy lessons for grades 6,7,8.
Set up is remarkably simple and takes less than 2 minutes – no webinars, videos or training required.
There is no prep time for lessons and quizzes are automatically marked - it couldn’t be easier for you!
What's in MoneyTime’s EMS lessons
MoneyTime consists of 11 core EMS lessons and 20 extension lessons on financial literacy, entrepreneurship and the economy. Each digital lesson takes around 30 minutes to complete.
- Earning, saving and interest
- Employment and tax
- Budgeting and payment methods
- Borrowing and credit
- Purchasing property
- Investing
- Business basics
- Insurance, warranties, online safety
- And much, much more!
130,000+
Students
1,500+
Schools
4,000+
Teachers
Why choose MoneyTime for your EMS lessons?
No teacher training required
MoneyTime makes it easy to teach EMS curriculum by doing the teaching for you. The program provides self-directed learning allowing students to work through the programme independently.
Lesson plans are provided to help you guide students if necessary and are full of practical activities to spark conversation and expand on what has been taught in the programme.
Regular automatically marked assessments
MoneyTime has automatically marked quizzes and tests to assess student progress after each lesson. Easy to follow reporting functions provide detailed feedback on student results for yourself, your exec team and your board.
Hands on learning
By combining digital interactive EMS lessons with a fun money management game it maximizes students’ engagement and enjoyment.
Students earn virtual money for completing lessons. They can then spend it save it, invest it or donate to charity. The decisions they make have simulated real life outcomes that help them understand the impact of their choices. This means they learn to make financial decisions without risk, or fear of failure.
Learn more about how the MoneyTime game works
Built in parent engagement
In addition to 30 classroom lessons, there are 13 lessons for students to complete with their parent or guardian. These are optional but are highly recommended as they enable students to put their learning into their own family's context.
Teachers tell us that parents love that their child is learning how to be smart with money and are often surprised at their child’s level of understanding of the personal finance topics gained from the MoneyTime programme.
See how MoneyTime's financial literacy lessons work
South African Finlitics Competition
MoneyTime’s Finlitics Competition is a nation-wide interclass competition where classes across South Africa compete for the title of Best Financial Literacy Class.
Every class using MoneyTime is automatically entered in the competition.
Scores for participating classes are based on the students’ module quiz results and the percentage of students completing the programme in their class.
The competition is a fun way to stimulate interest in financial literacy and entrepreneurship by generating some healthy interclass rivalry!
If you teach Grade 6-8 students and would like your class to take part, contact us and we’ll get you underway.
MoneyTime in the South African Curriculum
MoneyTime's 30 lessons are CAP's aligned and can be used for the financial literacy, economy and entrepreneurship components of the Year 6-8 EMS curriculum.
Implementing MoneyTime's EMS curriculum
How to fit MoneyTime into your timetable
MoneyTime is best utilised as a block/unit (2-3 modules per week) to get the maximum benefit of continuity.
Quick and easy to implement
Getting started takes just 2 minutes. There are no webinars to watch or lengthy lesson preparation to do. It’s just as quick for your students. Once they have watched the short introductory video explaining how the program works, they can start the lessons.
Maximum flexibility
Each financial literacy lesson only takes thirty minutes - meaning plenty of flexibility. They can be scheduled into your timetable, used as extension activities, set for homework and are an easy filler for relief teachers. If you can’t fit them into a block, use them as end of year fun!
Easy to follow lesson guides
MoneyTime provides lesson guides that include activities and discussions for you to do with your students after each lesson. This is important for feedback, questions and reinforcement.
Test results show a 42% average increase in knowledge across all lessons,
proof that MoneyTime really works!
ST4S Assessed
The MoneyTime financial education program has been assessed by Safer Technologies 4 Schools under framework version 2024.1 and has successfully qualified to be part of the ST4S Product Badge Program.
This means South African teachers can be confident that their students' data and privacy are well protected.
Hear from teachers using MoneyTime
What other teachers are saying about MoneyTime
MoneyTime empowers our learners with practical financial knowledge in a fun, gamified environment. The concepts taught in EMS are brought to life through real-world decision-making, and learners eagerly wait for new modules each week. We've been using MoneyTime since 2022, and it has become an invaluable part of our EMS programme.
Hester Potgieter, Grade 7 EMS Teacher, Curro Klerksdorp Primary School
We enjoy using MoneyTime because it allows our students to work at their own pace, learn from their mistakes, and engage in meaningful discussions with their peers as they progress through the modules. Talking about the best way to invest has become a normal classroom conversation."
Jon Gunning, Grade 7 Maths Teacher, St John's Preparatory School, Johannesburg
MoneyTime has been a valuable addition to our EMS curriculum. The programme improves learners' financial literacy through engaging, real-life scenarios and allows them to learn from their mistakes by repeating activities. We've seen a clear improvement in learners' understanding of budgeting and financial concepts, making MoneyTime an effective and practical learning tool.
Shané van Dyk
EMS Educator, Curro Langebaan Primary School
As a facilitator, I've seen MoneyTime engage learners in schools with very different backgrounds and resources. One of the biggest changes I've seen is learners being genuinely excited about financial literacy. They realise it's not only for adults, but something they can understand and apply in their own lives. The interactive nature of MoneyTime keeps them engaged, and they're motivated to complete the programme and climb the leaderboard. What stands out most is the sense of ownership they develop—they see MoneyTime as their own journey, and that keeps them coming back to learn more.
Neo Kokong
MoneyTime Facilitator, New Ground Financial Literacy
What students are saying about MoneyTime
MoneyTime has been a life-changing experience for me. It has given me the confidence to manage my money and taught me how to make smarter financial decisions. I would recommend it to every learner who wants to learn more about money and prepare for the future.
Koketso Moila, Grade 7 Learner, Olifantsfontein Primary School
Before MoneyTime, I didn't really understand what financial literacy was or how to save and spend money wisely. The programme taught me to make better decisions about the things I buy and to think about my future. I believe these are important life skills that will help me whenever I need to manage my money.
Bokamoso Menoe Grade 7 Learner, Diodi Primary School
I appreciate MoneyTime because it has simplified all the EMS work that I have had to do over the terms.
Letabo
International Financial Literacy Awards
