About this session
Give employees the explanations that everyday financial life often assumes they already know. What is the difference between salary and take-home pay?
What does an account balance actually tell you? How is using a debit card different from using credit?
And why can a small fee or an interest rate change what something costs?
Money Management 101 answers these questions through familiar situations and guided practice. Participants read a pay statement, follow money through an account, compare payment methods, and make sense of saving and borrowing.
Financial terms are introduced when they become useful, with space to ask questions and build understanding step by step.
The session finishes with a practical first step and a clearer sense of where to get reliable help. Employees do not need to arrive with a budget, a savings target, or previous financial knowledge.
This is the foundation for later learning: understanding everyday money well enough to approach a detailed budget, benefits decision, or financial plan with greater confidence.
What your people take away
- Understand common money terms and the difference between earnings and take-home pay
- Read basic account information and recognize what a balance does and does not show
- Distinguish debit, credit, prepaid payments, and borrowing through an overdraft
- Understand the purpose of saving and how fees and interest affect money
- Ask clearer financial questions and identify a practical next step or appropriate support
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What each length covers
30 minutes
30 Minutes — Key Points: Understand Your Pay & Everyday MoneyA focused 30-minute session on three key points from Understand Your Pay & Everyday Money: make the everyday money words familiar, read the difference between earnings and take-home pay and separate money arriving from money you have earned.
- Make the everyday money words familiar
- Read the difference between earnings and take-home pay
- Separate money arriving from money you have earned
Covers 3 of 4 points in Understand Your Pay & Everyday Money.
60 minutes
60 Minutes — Module 1: Understand Your Pay & Everyday MoneyStart with the language and information employees encounter most often. Participants identify gross pay, deductions, and take-home pay; distinguish money coming in from money going out; and understand why a balance is not the same as money available for a new purchase. They complete a Money Basics First Steps Card with one concept clarified and one useful question to ask next.
- Module 1: Understand Your Pay & Everyday Money
- Pay Statement Decoder
- Money In, Money Out & Money Already Committed
- Money Basics First Steps Card
- Live Q&A
Covers 1 of 4 parts: Understand Your Pay & Everyday Money.
90 minutes
90 Minutes — Modules 1 and 2: Understand Your Pay, Accounts & PaymentsBuild on the pay and money foundations with everyday banking practice. Participants read an account statement, distinguish deposits, withdrawals, and transfers, and compare debit, credit, and prepaid payment methods. They identify a fee, explain an overdraft, and prepare questions about account information they would want clarified before relying on it.
- Module 1: Understand Your Pay & Everyday Money
- Module 2: Get Comfortable With Accounts & Payments
- Account Statement Decoder
- Payment Methods Comparison
- Banking Questions Checklist
- Live Q&A
Covers 2 of 4 parts: Understand Your Pay & Everyday Money and Get Comfortable With Accounts & Payments.
3 hours
Covers 3 of 4 parts: Understand Your Pay & Everyday Money, Get Comfortable With Accounts & Payments and Understand Saving, Borrowing & Interest.
Full day
Full Day — Complete Money Management 101 WorkshopExplore all four modules with time to practice and ask questions. Participants work through pay and account information, payment methods, saving, borrowing, simple interest, and everyday financial decisions. The workshop ends with a Money Basics Guide and a 30-day first-steps plan. The outcome is a stronger foundation, not a detailed budget, investment strategy, or personal debt plan.
- Module 1: Understand Your Pay & Everyday Money
- Module 2: Get Comfortable With Accounts & Payments
- Module 3: Understand Saving, Borrowing & Interest
- Module 4: Take Your Next Money Step With Confidence
- Pay and account reading exercises
- Fees and interest explained through simple calculations
- Everyday decision and support questions
- 30-Day Money Basics First Steps Plan
- Live Q&A
Covers all 4 parts.
Also available as a 4-week or 8-week program, for change that lasts. Ask us about it.
What’s covered
Understand Your Pay & Everyday Money
Every length- Make the everyday money words familiarParticipants start with the terms that appear in ordinary financial conversations.
- Read the difference between earnings and take-home payParticipants locate gross earnings, deductions, net pay, the pay period, and the payment date on a pay statement.
- Separate money arriving from money you have earnedParticipants distinguish wages and other income from moving existing savings between accounts or receiving borrowed money.
- Understand what a basic budget is forParticipants use a simple view of money coming in, money going out, and money already committed to understand the purpose of a budget.
Get Comfortable With Accounts & Payments
90 minutes and longer- Understand the job of different accountsParticipants distinguish an everyday transaction account, often called a current or checking account, from an account used to hold savings.
- Follow the money through a statementParticipants read transaction dates, descriptions, deposits, withdrawals, transfers, fees, and opening and closing balances.
- Tell debit, credit, and prepaid apartParticipants compare payment methods by asking where the money comes from.
- Recognize fees and overdraftsParticipants identify common account charges and distinguish a one-time fee from one that repeats.
Understand Saving, Borrowing & Interest
3 hours and longer- Understand what saving is forParticipants explore saving as setting money aside rather than spending it immediately.
- See interest work in both directionsParticipants learn that an account may pay interest on savings while a lender may charge interest on borrowing.
- Recognize what borrowing commits you toParticipants identify the amount borrowed, repayment dates, required payments, interest, and fees at a basic level.
- Know why saving and investing are differentParticipants distinguish holding money for later use from investing in assets whose value can change.
Take Your Next Money Step With Confidence
Full day only- Ask the questions that make a commitment clearParticipants use five straightforward questions before agreeing to a financial commitment: What am I paying for?
- Pause and verify unexpected money messagesParticipants recognize pressure to act immediately, share account credentials, or disclose a login or payment-verification code as a reason to stop and check.
- Know who can explain the problemParticipants match common questions to the appropriate source.
- Choose one first step you can useParticipants select a manageable action such as locating their pay statement, checking an account fee, identifying an upcoming bill, clarifying a borrowing term, or finding a reliable support contact.
Tools and materials
- Money Basics Workbook
- Plain-English Money Words Guide
- Pay Statement Decoder
- Account Statement Decoder
- Payment Methods Comparison
- Balance & Available Funds Questions
- Fees & Interest Explained
- Saving & Borrowing Question Cards
- Everyday Bill Decoder
- Five Questions Before You Commit
- Money Questions & Support Map
- Pause & Verify Checklist
- Money Basics First Steps Card
How booking works
- Book online. Create a free Workbliss profile, then pay with session credits, by card or by invoice.
- Pick a date. Choose a date at least 14 days ahead, or book now and set the date later.
- Choose your expert. Within 3 working days, we send you profiles of the experts available for your date.
- We deliver it. Your expert is briefed on your people and goals, then runs the session live online or at your site.
Questions about Money Management 101
How long is Money Management 101?
Money Management 101 runs as 30 minutes, 60 minutes, 90 minutes, 3 hours or full day. You choose the length when you book. A 30-minute session covers three key points from Understand Your Pay & Everyday Money: make the everyday money words familiar, read the difference between earnings and take-home pay and separate money arriving from money you have earned. A 60-minute session covers Understand Your Pay & Everyday Money in full, with a live Q&A. A 90-minute session adds Get Comfortable With Accounts & Payments. A 3-hour session adds Understand Saving, Borrowing & Interest. A full-day session adds Take Your Next Money Step With Confidence. It is also available as a 4-week or 8-week program.
Can Money Management 101 be delivered online or in person?
Yes, both. It runs live online, so every office can join at the same time, or in person at your site, in any country.
How do we book Money Management 101?
Create a free Workbliss profile with your work email, then open Money Management 101 to see the price for each length and book it. You can pay with session credits, by card or by invoice, and choose a date at least 14 days ahead, or set it later.
Who leads the session?
A vetted Workbliss expert, briefed on your people, culture and goals before the session. After you book, we send you profiles of the experts available for your date within 3 working days, so you can choose who leads it.
Can it be tailored to our company?
Yes. Every session is shaped around your goals, your people and the benefits you already offer, and delivered by experts in your people’s languages.