FINANCIAL LITERACY WORKSHOP | GRADE X & XII

A workshop on Financial Literacy for Students of classes X and XII  was conducted on 26th September, 2025, at the auditorium of St. John’s School. The session was led by Dr. Neeraj Kumar, who explained the importance of financial literacy as the ability to manage money wisely through budgeting, saving, and spending. He highlighted how financial awareness helps individuals make informed decisions in their daily lives.
During the session, the concept of differentiating between needs and wants was discussed as an essential step for making sound financial decisions. Dr. Kumar also spoke about the growing role of digitalisation and payment systems, including UPI, mobile wallets, debit/credit cards, and QR codes. While these methods bring speed, convenience, and transparency, students were also cautioned about the risks of cyber fraud and overspending. The importance of following safe practices such as using strong passwords and maintaining OTP security was emphasized.
The discussion further touched upon marketing schemes and their impact on purchasing power. It was noted that attractive offers often lead to impulse buying, thereby reducing savings. Students were advised to evaluate such schemes critically before making purchases.
The key takeaways from the workshop included budgeting pocket money effectively, saving regularly, spending wisely, differentiating between needs and wants, and staying alert to both digital risks and marketing strategies. The session proved highly informative and practical, equipping students with valuable insights to manage their finances responsibly.