“Save or Spend?”
You receive $50. You want a new video game, but you also need school supplies. What is the smarter move?
Buy the supplies first and save or budget what remains.
“Budgeting means you can never have fun.”
Myth. A budget helps you plan for fun spending.
What should you do before making a large purchase?
Compare prices, check your budget, and decide if you truly need it.
You had a stressful day and want to buy something immediately to feel better. What could you do first?
Wait, think about the purchase, and try another stress-relief activity.
You have $40 for the week. You spend $35 on Monday. What problem might you face?
You may not have enough money for later needs.
Your favorite snack is on sale, but you already have snacks at home. Save or spend?
Save. A sale is only a deal if you actually need the item.
“Small purchases can add up over time.”
Fact. Daily spending on small items can become a large monthly expense.
What is one benefit of saving money regularly?
It helps prepare for emergencies, goals, and future purchases.
True or False: Feelings can influence spending decisions.
True. Emotions like excitement, stress, or boredom can affect choices.
You want a concert ticket that costs $80. You have $20 saved. What could you do?
Create a savings plan and set aside money until you can afford it.
You have $100 extra this month. Your options are:
A) Spend it all on clothes
B) Save half and spend half
C) Buy random items because you can
B — saving some while enjoying some money is balanced budgeting.
“If you make more money, you automatically become better with money.”
Myth. Money skills involve planning, saving, and decision-making.
You want a $300 item. You save $25 per week. How many weeks will it take?
12 weeks.
A friend buys expensive shoes, and you feel pressured to buy them too. What is a smart response?
Consider your own goals and budget instead of copying someone else.
Your paycheck arrives. You immediately spend everything and forget your bills. What budgeting habit could help?
Make a plan first: needs, savings, and wants.
You find $20 on the ground. Save it or spend it on a snack?
Save the money.
Using credit cards responsibly can help your credit score.
Fact.
Is paying bills on time important?
Yes.
Is it healthy to reward yourself occasionally without guilt?
Yes (in moderation)
You find an apartment $350 cheaper. Move immediately?
Calculate all costs first.
You get a $150 bonus. Spend it all or save half?
Save half
Budgeting can reduce financial stress.
Fact.
Should you save $100 a month regularly?
Yes.
Does tracking purchases help spot emotional buys?
Yes.
Budgeting $150 for a birthday gift. Buy or DIY?
Depends on budget and creativity