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Less than half (47%) of children and teenagers aged seven to 17 have received a meaningful financial education, according to a Government-backed body. The Money and Pensions Service (MaPS) estimates from its findings that around 5.4 million children across the UK do not have the money skills they will need in adulthood. Children living in social housing, rural areas and in lower income households were found to be less likely to have received a meaningful financial education. And children with parents or carers with mental health conditions tend to be less likely to have received a meaningful financial education than the UK average, the findings indicate. The measure of meaningful financial education is based on the percentages of young people who recall receiving financial education at school that they considered useful, and/or received regular money from parents or work, with parents setting rules about money and handing over responsibility for some spending decisions. Research was conducted for MaPS between late summer and autumn 2022 across the UK by Critical Research, among more than 4,700 children and young people aged seven to 17 and their parents or carers. The proportion of children and teenagers found to have received a meaningful financial education is similar to 2019, when the figure was 48%. The report said: “When interpreting these results, it is worth remembering the disruption to education and normal life caused by the Covid-19 pandemic potentially limited opportunities for children to receive a meaningful financial education at school and/or home over the last three years. According to the latest findings, a third (33%) of children recall learning about money in school and finding it useful, and nearly a quarter (24%) have received key elements of financial education at home. It is worth remembering the disruption to education and normal life caused by the Covid-19 pandemic Money and Pensions Service report Only 10% reported having both, suggesting that children and young people tend to receive meaningful financial education either at home or at school and not as “joined-up” financial education, the report said. Younger children aged seven to 11 continue to be less likely to have received a meaningful financial education than older children aged 16 to 17, according to the report. Children in Scotland are the most likely (52%) to have received a meaningful financial education, the report indicated, followed by those in Wales (51%), England (46%) and Northern Ireland (43%). Those in Wales (79%) are more likely than those living in the UK (71%)as a whole to receive regular money from parents/carers or work, according to the research. As part of its UK strategy for financial wellbeing, released in 2020, MaPS is aiming for two million more children aged five to 17 to receive a meaningful financial education by 2030. It is urging parents to talk to their children about money and combine it with everyday experiences, such as food shopping, budgeting and wages from a part-time job. Our experiences in childhood prepare us for adulthood and learning about money is no different Sarah Porretta, Money and Pensions Service To help with this, MaPS offers free resources such as “talk learn do“, an online tool that helps parents to start the conversation. The MaPS, which is sponsored by the Department for Work and Pensions (DWP) and funded by levies on the financial services industry and pension schemes, added that teachers, school leaders and governors should work together to deliver financial education in classrooms. It is also calling on financial services and funders such as charitable trusts to increase their investment in the delivery of financial education. Sarah Porretta, executive director at MaPS said: “These figures will alarm everyone in financial education because more than five million children could be going without. “Our experiences in childhood prepare us for adulthood and learning about money is no different. It becomes a part of daily life and our financial decisions can bring real benefits and profound consequences, so it’s crucial to learn from a young age. “The race is on to educate the nation’s children and everyone, from banks and building societies to foundations and financial institutions, has a big part to play. “Parents and schools can also make a huge difference by combining money skills with everyday experiences, both inside and outside the classroom.” Read More Charity boss speaks out over ‘traumatic’ encounter with royal aide Ukraine war’s heaviest fight rages in east - follow live Harry Potter star Miriam Margolyes makes British Vogue cover debut aged 82 Toff: Drinking mindfully is a gift to yourself Should you sleep naked? Heatwave myths debunked

This has already been a huge summer of British sport, with more still to come. There’s the ongoing Women’s World Cup, for starters, with England among the contenders. There has already been Wimbledon, The Open has just finished and the Ashes’ fifth Test is now underway. But amid all this, there’s a world championship to be won right in the heart of London: the final races of season nine in Formula E, the all-electric motor racing series which culminates at the end of July. Ahead of a milestone campaign next year, the championship is still in growth mode, attracting fans and redefining itself in terms of on-track action, with alterations made across the board in terms of the racing on show, the coverage across the season and, importantly, the visibility in the lead-up to the showpiece event. This week, that means much of the capital city has been exposed to events and takeovers featuring electric cars, racing drivers and brands all associated with the teams and championships itself, raising awareness, interest and – hopefully – longer-term following of a credible, exciting championship. Achieving such awareness on a weekend where so much is happening elsewhere in sport – not least of all the Belgian Grand Prix in F1, the established powerhouse of motor racing – might not seem the easiest task, but FE has its own loyal following already and regularly sells out its races around the world. Back in January at the season opener, 40,000 packed into Mexico City’s famed Autodromo and, across Saturday 29 and Sunday 30 this weekend, the same number will visit ExCel London to watch the team and driver titles handed out – the latter quite possibly to a British driver on home soil, with Jake Dennis leading the standings. This year, Formula E has brought a brand new third-generation (Gen3) EV to the track, added another new city in Tokyo for next season and broken speed records on a consistent basis, while the profile of the 11 teams involved is impressive even to those with a casual knowledge of car manufacturers: they include Porsche, Maserati, Jaguar, NIO and Nissan, the latter of which staged a midweek takeover of Covent Garden, one of central London’s most well-known and busy locations. As Nissan’s driver Sacha Fenestraz told The Independent, the racing-specific alterations have made it a much more exciting affair for spectators, with the cars hitting speeds of up to 275km/h this season. “It’s a huge change. We’re up to 350kw [of energy], before it was 250 so you were quite limited. The championship is growing a lot, the car is more tricky to drive, it’s lighter and quicker and we have more power. It’s a big step forward in terms of racing which is a lot more interesting, a lot more fights on track. It’s been a great step to Gen3,” he said. In terms of his own year on-track, the Annecy-born rookie has been impressive in spells, particularly in qualifying, notching up his own milestones including his first points, pole position and top-five finishes. A decent showing in London could yet see him finish in the top ten for the campaign, though one of his drivers he’ll need to overtake to do so is his own Nissan teammate, Norman Nato. An enjoyable year overall comes down to two days and two races, while the impression left by one of the series’ biggest and boldest events has also left an impression. “It’s been a good season, up and down, we’ve been strong in qualifying and a couple of poles. It took me a bit of time to get used to energy management and racing strategy that is so different to normal combustion engines,” Fenestraz continued. “The race results have been a struggle but it’s the last race of the season and we’re looking forward to scoring points. “What’s been organised in central London is amazing, I was here as a reserve last year and it was like ‘wow’ - I was really surprised at the event. I wanted to be here racing and here I am. We’re enjoying it a lot and now it’s all about getting a good result.” In Covent Garden, fans had the chance not just to meet Fenestraz and take photos with a replica racecar, but also experience a few laps in a simulator and take each other on quite literally head-to-head on a racing game: a brainwave-powered headset which measures a person’s focus to produce on-track speed. Dismally - but perhaps not unexpectedly - after extracting a promise from a laughing Fenestraz to take his place at the ExCel on Saturday if this reporter could beat him, the French-Argentine won by almost a full lap. Mabye next year. Elsewhere, Formula E staged their own event on Carnaby Street, taking Dennis and fellow Brit Dan Ticktum to push the overarching message of sustainability, while Maserati and their partners hosted a panel on LGBTQ+ awareness and activisim. The entire week and weekend will see more of the same, with Formula E very much a sporting championship which pushes social improvement programmes away from the competition itself, be it climate, diversity or equality related. While the championship’s new CEO labels F1 “predictable” and “processional”, FE is showing itself as a far more exciting and changeable series. The finale weekend could show that again. And all the while, it continues to position itself as a bigger force for change too, from mobility electrification to social progress on multiple fronts. It’s a double hit of attractiveness to a younger, wider potential fanbase. Work yet remains to turn a growing series into a truly major one, but the interest and intent is certainly there if consistency can be maintained. And, just maybe, a British world champion celebrating on Sunday will help push that message a little wider. Read More How London provides ‘unique’ setting for Formula E’s enthralling finale Porsche extend Formula E deal - just in time for title fight finale British driver Jake Dennis closes in on Formula E world title with victory in Rome How London provides ‘unique’ setting for Formula E’s enthralling finale Porsche extend Formula E deal - just in time for title fight finale British driver Jake Dennis closes in on Formula E world title with victory in Rome

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