Журналы — Народное образование — Выпуск №3/2026

Формирование финансовой грамотности у подростков. Школьное инициативное бюджетирование — эффективный тренажёр взросления. Проектная деятельность как самоактуализация. Превращение подростка из пассивного получателя знаний в активного распорядителя реальных денег.

• старший подростковый возраст • школьное инициативное бюджетирование • финансовая грамотность • экономическая социализация • чувство взрослости • социально значимая деятельность • проектная деятельность • сензитивный период

Twice The Right Age. Older Teens, School Budget And Financial Literacy

Mikhail A. Shevelev, Researcher at the Financial Research Institute of the Ministry of Finance of the Russian Federation, Kirov, mshevelev@yandex.ru

Abstract: Older adolescence (14–16 years old) is a unique, “twice-suitable” period for the formation of financial literacy. Why twice? Because cognitive abilities (abstract thinking, reflection, planning) are maturing, as well as the social need to be meaningful here and now, and not in the distant future. School initiative budgeting hits exactly this nerve: it transforms a teenager from a passive recipient of knowledge into an active steward of real money. The article shows how the ideas of D. B. Elkonin, D. I. Feldstein and modern researchers of economic socialization work in ordinary schools. Live examples from schools in Kogalym, Kostroma, and Samara show how teenagers turn from consumers into creators. The article is addressed to school principals who want to understand why school initiative budgeting is not a headache, but the most effective simulator of growing up.

Keywords: senior adolescence, school initiative budgeting, financial literacy, economic socialization, a sense of adulthood, socially significant activity, project activity, sensitive period