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

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Actions and words have consequences. From the Premier League to grassroots, the abuse of referees is a crisis that faces all levels of football, but the pattern of behaviour only flows in one direction: it starts at the top and is mimicked at the bottom. The appalling abuse suffered by English referee Anthony Taylor as he travelled home from officiating the Europa League final highlighted that cause and effect. Taylor had been tasked with officiating a fractious and ill-tempered contest between Roma and Sevilla in Budapest: the sort of match where the referee finds themselves at the heart of the action as much as the players. After Roma lost on penalties, Jose Mourinho blamed Taylor for the defeat. The manager then confronted Taylor in the car park, launching a tirade of insults and labelling him a “f***ing disgrace”. A few hours later, Taylor was confronted again, but this time the 44-year-old was not faced with just one aggrieved dissenter. As Taylor arrived at the airport with his family, the referee was surrounded by a mob of Roma supporters. Still incensed by their team’s defeat the previous night, the Roma fans attempted to get to Taylor and objects and drinks were thrown in his direction. Taylor, who could be seen shielding two women from the attack, was left without adequate protection. The scenes were dangerous and frightening. A line had been crossed, but it was crossed by Mourinho the night before, first as he identified Taylor as the reason Roma lost and then as he approached Taylor in the car park. The Englishman made a few contentious decisions during the final – Roma were denied a penalty in the final moments of extra time, and Mourinho believed Sevilla should have been shown a red card – but Roma’s defeat had as much to do with Mourinho’s negative approach after taking their lead than any of the referee’s decisions. Taylor had been praised elsewhere for how he handled the final – a game that appeared as unmanageable as an official could face. But there is a difference between being aggrieved at ending up on the losing side and turning criticism of the referee personal, targeted and aggressive. Mourinho had sat in his post-match press conference and said his team “lost a game but not their dignity” before accosting Taylor in the car park, away from the pitch. Any argument that criticism of the referee is part of the game vanished when Mourinho crossed that line. A day later, Taylor was confronted again in a public space at Budapest Airport but this time, Taylor or his family could have been seriously harmed. It was a reminder that touchline behaviour at the top level filters down to real-life situations. The body that represents elite referees in England, PGMOL, said it was “appalled” at the “unjustified and abhorrent” abuse but a much starker warning came from lower down the chain. Responding to the video of Taylor being abused by the Roma fans, the charity Ref Support UK said: “This is so worrying to see. [Managers’] comments and players’ behaviour encourage this and it is on a worrying rise where a serious incident or murder is just around the corner.” An indication of the danger of that has been clear this season. The FA have this year started a trial of giving referees body cameras in four adult grassroots leagues in England. The initiative is designed to improve behaviour and respect from players and spectators towards officials, but it also represents a damning indictment of how vulnerable referees are to physical abuse. A survey by the BBC of almost 1,000 members of the Referees’ Association found that more than 30 per cent said they had come in for physical abuse from spectators. A similar number said they had been threatened with violence against them or a loved one. The Premier League said they were “shocked” at the “unacceptable” abuse Taylor and his family faced – but the English top flight can only be too aware of the levels of referee abuse in its own competition. The abuse of officials has been commonplace in the top flight for years and the problem is not getting any better. Just a few weeks ago, Jurgen Klopp celebrated in the face of assistant referee John Brooks as Liverpool scored a late winner against Tottenham, and was banned for two games following comments he made about referee Paul Tierney. In response, Ref Support UK said Klopp’s behaviour was “disgraceful” and accused the League Managers Association of “silence” on the issue. “They appear to do nothing to address the behaviour of their members whose actions are mimicked at grassroots level by managers and spectators where children are refereeing and have to deal with this replicated behaviour,” a statement said. Referees are an integral part of the game but they will continue to face abuse until action is taken at the top, or else football faces an existential threat. Mourinho admitting some responsibility for what Taylor and his family suffered would be a start to addressing it. Read More English referee Anthony Taylor harassed by Roma fans at airport after Europa League final Uefa awaits reports following Jose Mourinho’s rant at referee Anthony Taylor Jose Mourinho confronts English referee in car park after Europa League final defeat Jose Mourinho charged over criticism of referee Anthony Taylor Premier League ‘appalled’ by abuse of referee Anthony Taylor at airport Anthony Taylor harassed by Roma fans at airport after Europa League final

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Rob Page says Wrexham striker Paul Mullin will be considered for Wales selection if he scores regularly in League Two. Liverpool-born Mullin qualifies for the Dragons through his Welsh-born grandmother and has said he would love to represent Wales on the international stage. The 28-year-old has scored 78 goals in two seasons at Wrexham – helping the club owned by Hollywood actors Rob McElhenney and Ryan Reynolds back into the English Football League – and won the 2022-23 FA Cup Golden Ball as the competition’s top scorer. Mullin’s eligibility has been a big talking point among Wales supporters with many keen to see him given a senior call, but manager Page was reluctant to select someone plying his trade in the fifth tier of English football. “Forget what he’s done up until now,” Page said ahead of Friday’s Euro 2024 qualifier against Armenia in Cardiff. “If he is playing in League Two and he’s scoring goals, then we will look at him and consider him. But there is a massive gap from where he’s been up to League Two. “We will keep monitoring him and if he keeps scoring goals as he goes up the levels he’ll prove himself.” Mullin has already shone in League Two and won the division’s Golden Boot with a 32-goal season in Cambridge’s 2020–21 promotion campaign. He enhanced his reputation further in the FA Cup this term with nine goals, three of which came against Championship pair Coventry and Sheffield United. Page said: “I watched him against Sheffield United and I was very impressed by him, just from a work rate point of view. “I wouldn’t want to play against him, he’s a pain in the backside. “Forget his goalscoring and his eye for goal, I like him because he’s a pain to play against. He’s like a rat, and I want that.” Page admits Wales need to sharpen their attacking play for games against Armenia and Turkey after collecting four points from their opening two Euro 2024 qualifiers in March. Brennan Johnson and David Brooks have returned to the squad after missing the 1-1 draw in Croatia and the 1-0 home win over Latvia. “While I was happy with the Latvia performance and how we controlled the game, that final detail at the top of the pitch is where we need to improve,” Page said. “Having Brennan back fit, and Daniel James, Harry Wilson and David available is only going to help us achieve that. “With the personnel we’ve got we can have two or three different formations without any problem. “The game plan might change within a game, but having players like Brennan will give us the opportunity to get higher up the pitch and score more goals. “We’ve got some good players and the problem now is finding out how to get them all into the same team.”

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