A student wants a smartphone. Their school requires an app for daily homework, but a family tablet is available at home.
Need, Want or Depends? What fact matters most?
Lesson 1Card 1 · Smartphone Card 2 · Bicycle Card 3 · Sale Shoes Card 4 · Art Supplies
Needs, Wants & Choices
One child cycles 4 km to school because there is no safe public transport. Another lives 200 metres away.
Can the same item be a need for one person and a want for another?
Your current school shoes still fit. A branded pair is “40% off today only.”
What is the opportunity cost of buying them?
A student has ₹500. A required school art kit costs ₹350. A collectible costs ₹300.
Create two possible plans. Which one would you choose, and why?
Lesson 2Card 5 · Missed Week Card 6 · Goal Changes Card 7 · Piggy Bank or Bank? Card 8 · Password Request
Saving & Goals
Your goal needs ₹800 more. You planned to save ₹100 each week, but you miss Week 3.
Recalculate the plan without borrowing or pretending the missed week did not happen.
You are halfway to a ₹1,200 goal, but the price rises to ₹1,350.
What would you change first: the weekly amount, the finish date or the goal itself?
You are saving ₹300 for a gift next month and ₹4,000 for a long-term learning goal.
Where might each amount be kept, and why?
A friend says, “Give me your banking password just once. I won’t change anything.”
What do you say, and what do you refuse to share?
Lesson 3Card 9 · Barter Problem Card 10 · Unit of Account Card 11 · Digital Payment Card 12 · Trust
Currency & Exchange
You have mangoes and want a notebook. The notebook owner wants bicycle repair, not mangoes.
Why does this trade get stuck?
A snack costs ₹40 and a notebook costs ₹80.
How does using the same unit—rupees—make the comparison easier?
You tap “Pay ₹250” in an app.
Why is this still a real money decision even though no note changes hands?
A printed note and a number in a bank app both represent value.
What has to be true for people to trust either one?
Lesson 4Card 13 · Countdown Card 14 · Influencer Card 15 · BOGO Card 16 · Bigger Pack
Smart Spending & Advertising
“FLASH SALE — 02:00 MINUTES LEFT!”
What should you do before the timer decides for you? What would you check?
“Everyone in my class has this because a creator said it is essential.”
What part of this is your own need or value, and what part is social pressure?
Buy one bottle for ₹90, get the second free. You only need one.
If you only needed one, did the “free” second bottle actually improve the decision?
200g costs ₹40. 500g costs ₹120.
Calculate cost per 100g before deciding.
Special 1Card 17 · Canteen Pressure Card 18 · Different Families Card 19 · Secret Transfer Card 20 · Generosity
Money & People
Friends tease you for choosing the cheaper snack because you are saving for something else.
What could you say that protects your plan without putting anyone else down?
Two classmates make very different choices about a school trip.
What should you avoid assuming about either person or their family?
An older child asks you to transfer money and says, “Don’t tell your parents.”
What is your safest next move, and who should know?
You want to help a friend but have little money.
Name three useful ways to help that do not require spending much money.
Special 2Card 21 · Gaming Prize Card 22 · QR Refund Card 23 · Fake Support Card 24 · Urgent Friend
Digital Money & Cyber Safety
Do not use live links, live QR codes, real OTPs, PINs or passwords in these activities.
“You won 10,000 game coins. Click now and enter your OTP.”
Trigger → Requested Action → Risk → Safe Response
“Scan this QR and enter your UPI PIN to receive your refund.”
What is wrong with the request?
A stranger calls saying they are customer support and need your PIN to “verify you.”
What would you do next?
A message from a friend’s account says, “Emergency—send ₹2,000 right now.”
How would you independently verify before acting?