Empowering the next generation with essential financial skills since 2018
crux-mate began with a simple observation: young people were leaving school without understanding how to manage money. While they could solve complex equations, many struggled with basic budgeting or understanding how interest works.
Founded in Cardiff in 2018, we set out to change that. Our team of educators and financial professionals developed programmes that make money management engaging, practical, and relevant to young lives.
Today, we work with families, schools, and community groups across Cardiff to ensure every young person has the opportunity to build a strong financial foundation.
Our core beliefs shape everything we do
Financial education should be available to every young person, regardless of background. We offer subsidised places and work with schools to reach those who need it most.
Theory alone does not build habits. Every concept we teach connects to real-world scenarios young people actually encounter, from pocket money decisions to part-time job earnings.
Money can feel intimidating. We create a supportive environment where questions are welcomed and mistakes become learning opportunities, building financial confidence that lasts.
Experienced educators passionate about financial literacy
Former secondary school teacher with 12 years experience. Certified financial educator with a passion for making money concepts accessible.
Background in youth work and curriculum development. Specialises in creating engaging content for teenagers.
Connects our programmes with Cardiff schools. Previously worked in education outreach for a major Welsh charity.
We believe that children learn best when they are actively involved. Our workshops are never lectures. Instead, they feature simulations, group challenges, and discussions that bring financial concepts to life.
Each session is designed with specific learning outcomes in mind, yet flexible enough to address the questions and interests that naturally arise.
Working together to reach more young people
We partner with primary and secondary schools across Cardiff to deliver in-school workshops, enrichment days, and after-school clubs focused on financial skills.
From Scouts to youth clubs, we bring tailored sessions to community organisations, reaching young people in familiar environments with their peers.
Cardiff businesses sponsor programme places, ensuring accessibility while demonstrating their commitment to developing financially capable young citizens.