Money Matters — Student Workbook Hub

The progression

Same skills. Harder decisions.

Money Matters does not restart at each age band. Each level takes a decision you already know and adds more moving parts.

Level 1 · Understand & Choose

What do I need? What can wait? What is good value? Is this safe?

Level 2 · Operate & Decide

How does the system work? What is recurring? What is the evidence? What do I verify before I act?

Level 3 · Own & Manage

What lands in my account? How much risk can this money take? What does borrowing really cost? Which claim is assumption, evidence or marketing?

What carries forward: choices become cash flow; saving goals become emergency liquidity; scam spotting becomes independent verification; peer pressure becomes status and debt judgement; comparison shopping becomes evidence-based product and investment thinking.

How to use this hub: choose the learner’s correct level first. Complete the core lessons before moving into extensions. Keep learner resources separate from teacher marking guides.

Level 1 · Ages 10–13

The Basics of Money

Four core lessons, two special modules, practical tools and the ₹2,000 Money Mission.

Learner-facing

Student Workbook 20-Scenario Wants vs Needs Worksheet Scenario & Activity Cards 28-Term Beginner Glossary ₹2,000 Money Mission

Teacher only

Answer & Marking Guide Classroom Production Pack Detailed Facilitator Pack

Level 2 · Ages 14–18

Operate & Decide

Complete all four mandatory core modules before moving into the senior extensions and toolkit work.

Learner-facing

Student Workbook Senior Toolkit Worksheets Scenario & Decision Cards ₹10,000 First-Earnings Mission

Teacher only

Answer & Marking Guide Classroom Production Pack Detailed Facilitator Pack

Level 3 · Ages 18–25

Own & Manage

Work through salary and CTC, emergency liquidity, credit and debt, and introductory investing, then bring the decisions together in the First 12 Months task.

Learner-facing

Student Workbook Scenario & Decision Cards First 12 Months of Independence

Teacher only

Answer & Marking Guide Classroom Production Pack Detailed Facilitator Pack

Practice

Try the decision before opening the worksheet.

The Practice Lab gives immediate reasoning feedback on seven short activities across all three levels. It does not replace the workbook or capstone.

Start Practice Lab

Privacy & safety

Use fictional financial information

Student worksheets should never require household income, family debt, actual salary, real bank balances, credit scores, insurance details, investment holdings, passwords, PINs, OTPs, UPI credentials or card information. If a current banking, tax, consumer, insurance or investment rule matters, verify it immediately before teaching.