Your first-earnings fund
Allocate the full ₹10,000. Consider these categories:
- Essential study/work cost
- Emergency reserve
- Future skill or goal fund
- Social/fun spending
- Family/giving contribution
- Fictional obligation supplied by your teacher, if any
No single allocation is correct. What matters is that your total works, your priorities are visible and you can explain what you chose not to fund.
Step 1
Give every rupee a job
| Category | Amount | Why this amount? | Risk or trade-off |
|---|---|---|---|
| Essential study/work | ₹ | ||
| Emergency reserve | ₹ | ||
| Future skill/goal | ₹ | ||
| Social/fun | ₹ | ||
| Family/giving | ₹ | ||
| Other fictional obligation | ₹ | ||
| Total | ₹ | Must equal ₹10,000 | |
Step 2
Explain what your plan says about your priorities
What did you prioritise first?
What did you deliberately delay?
What risk did you protect against?
Did status, social pressure or advertising influence your first plan?
Which real-world rule/process would you verify before acting with real money?
Step 3
Budget Shock
Your essential study/work cost rises by 10%. The total money available does not increase. Rebuild the allocation without borrowing.
| Category | Original | Revised | Why did this change? |
|---|---|---|---|
| Essential study/work | ₹ | ₹ | |
| Emergency reserve | ₹ | ₹ | |
| Future skill/goal | ₹ | ₹ | |
| Social/fun | ₹ | ₹ | |
| Family/giving | ₹ | ₹ | |
| Other | ₹ | ₹ | |
| Total | ₹10,000 | ₹10,000 |
What changed in your priorities after the shock?
Step 4
Before you call the plan finished
- □ I did not treat credit as extra income.
- □ I did not use secret or high-cost borrowing to make the plan balance.
- □ I can explain what I would verify before using a real bank/payment/consumer service.
- □ I can identify one cyber or fraud risk connected to receiving/using money.
- □ My total is exactly ₹10,000.