a+b=3 Financial Education Curriculum

"Teachers open the door. You enter by yourself." (Chinese Proverb)


Money Basics:

for low income people with irregular income - daily or yearly- urban or rural.

7 modules:

  1. debts and basics:  practical tools
  2. money as a social tool
  3. debt
  4. risks management and prevention
  5. business:
    1. making a profit
    2. starting a business
  6. financing a big purchase
  7. holidays

Available in: English, French and Khmer.

Module 1 also in Indonesian and Chinese

Money Essentials:

for low or medium income people with a regular income. With a regular income, planning becomes easier – but with it, often comes the temptation to spend one’s income in a few days, and also the pressure from family without a regular income. This module offers various adaptations:

  • factory workers
  • migrant workers
  • NGO staff or MFI staff.


Available in: English, Khmer, Indonesian and Chinese

Money Starters:

for young adults who may not have an income yet. It includes specific issues for youth (choosing a job, a place to live, financing a wedding, work ethics and rights, supporting family members...) and a business starters programme on how to find an idea, write a business plan…  It is flexible and can be taught as full day workshops or in short weekly programmes.

  1. Basics of money management
  2. Taking decisions
  3. Professional skills and money
  4. Starting a business
  5. Programmes for low literate youth 

Available in: English and Khmer


How to get our curriculum? By joining our next Training the Trainers workshop and/or our online platform.

Fill in the form and request your access to our online training resources. Use our tried and tested programmes to tailor make your own or contact us to design it. Our standard programmes are free to use but our sustainibility depends on your reporting how you use them. So please send your feedback.

Get certified: join our certification programme.

Tailor-made programmes: No time to adapt and build your own programme? Contact us to discuss how we can design a tailor-made programme for your organisation and train your trainers or directly run a workshop for your clients.


Take a peek at our programmes: (click on the videos below):

Workshop on expenses in Kenya
Workshop on business in the Philippines
Workshop in rural Cambodia
Training for families in India (Rajasthan)
Personal finance
Our programmes


Our approach:

Examples of our programmes:

Budgeting: fitting expenses pictures in an income square. Expenses are too many and participants have to choose which ones are priorities. Then we add an emergency expense and introduce how to reprioritise expenses… and why savings a bit every time we earn an income helps pay for emergencies. This is a way to discuss priorities and planning… without any calculation.



Calendar: planning ahead a yearly expense: Participants have to pay for one or two yearly expenses. They know how much they cost. They place toy banknotes on each month to calculate how much they should save in order to avoid borrowing money at the last minute to finance these expenses.





Story: through a story and cards to illustrate it, participants analyse the consequences of not managing money, and discuss which expenses are useful and not and how to prioritise them.


Shopping cards: participants first identify good and bad pieces of advise on spending (using cards); then they go shopping (using cards and toy bnknotes)… and analyse why they don’t follow sensible pieces of advise… and what they can do to control shopping!



Tracking case: Participants help the protagonist of a story lost in his money management… using the very little information he has. Through this case, they realise why tracking all expenses and incomes is the very first step to money management.


Money related energiser: the delivery man:

Our programmes include lots of standing and moving around to stimulate the brain. Because time is important, our energisers are finance-related, like this delivery man game where participants experience first-hand the benefits of planning ahead … all while laughing and running!





Get organised! Several of our training sessions focus on building routines and getting organised.  



Microbusiness programme: participants learn basic notions such as profit calculation, breakeven and cash reconciliation, and ethical business practise and other skills… using colourful cards and games.



And more … on communication within families, risk management, community impact, ethics… Take a peek at our latest training workshops.