As we reach the midpoint of 2023, it's time to take a look back at

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

Gemma Collins has been criticised by her followers for using misleading wording in an advert for a “medication free” headset, which is apparently used to treat depression. The TV star and presenter, 42, who is best known for appearing in realty series The Only Way Is Essex, shared a video of her wearing the Flow Neuroscience Headset, telling her followers that she had been using the product for one week and was already feeling “lighter” and “brighter”. In the caption she wrote: “According to Flow’s data it reduces depression in 88 per cent of people. And the NHS are trialling it too.” She finished the caption with “#ad” to indicate that she was asked to promote the product. The Independent has contacted Collins’ representatives about the terms of the advert. In the video, Collins told the camera the product is “literally amazing”. “I am loving life now off of my depression tablets. This has been a real game changer for me,” she said. According to Flow, the headset sends a “small electrical current” to “the left dorsolateral prefrontal cortex”, which causes “neurons to fire more frequently, strengthening the neural pathways in the prefrontal cortex”. Collins continued: “Flow is a new medically approved depression treatment. It focuses on the front cortex of your brain. This ultimately helps you to relax and it also helps to remove negative depressive symptoms.” “For people that can’t get access to therapy, or don’t want to be on antidepressants, they have a new option which is Flow.” “Flow actually works faster and better than antidepressants,” she claimed in the video. “It’s like having your own therapist in the comfort your own home and you’re fully in control of your own treatment.” She concluded that using Flow would be “the best thing you do”. Social media users have been criticising Collins’ messaging in the post, arguing that she is promoting the product as a “quick fix” for depression and encouraging people to stop their medications without first consulting a medical professional. “People PLEASE speak to your medical team before stopping any medications,” one person urged in the comments section. Another pleaded to Collins: “Please don’t promote people just abruptly coming off their medication !!” Others remarked that Collins had not linked to any scientific research to support her claims, or given insight into how the product actually works. A representative for Flow Neuroscience told The Independent that it is “very clear” on its website that anyone with depression should “always speak to their doctor first before trying new treatment”. The statement continued: “At a time when society is attempting to remove the stigma associated with mental health – people like Gemma are helping enormously by being open and transparent about their own mental health journey.” “Gemma has struggled for years on antidepressants, and it’s brilliant that she is now having this positive experience using Flow.” The spokesperson added that Collins’ posts are a “reflection of her own personal experience” and the post had not been “edited or scripted” by Flow. Collins has previously said that the side effects of using antidepressants have not worked for her, which drew her to using the headset. Flow’s spokesperson also said that the company’s mission is trying to “increase accessibility” to mental health treatments. At present, the headset does not require a prescription before use and is available to purchase online. The company says that “83 per cent of its users reported improvement in their symptoms within 21 days” and that less than two per cent of its users on its database reported minor side effects, which are “typically mild irritation of the kind and mild headaches”. It added: “We believe the Flow platform is an important tool in this process, but it has never been our intent to present Flow as a quick fix or magic bullet.” Read More Prince Harry court – live: Duke of Sussex stokes political storm by slamming ‘rock bottom’ government Ioan Gruffudd’s 13-year-old daughter ‘files restraining order against him’ Busy Philipps calls out Leonardo DiCaprio for ‘dating’ model who looks like her teen daughter Gemma Collins says she wouldn’t ‘need to’ consider surrogacy Fitness fanatic, 26, diagnosed with stage 4 cancer after feeling dizzy The telltale sign of lung cancer everyone should know

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