🦔 Where Does Money Come From?A fresh loaf sits on the shelf — what did someone do to make it ready to buy?
✓ Explain that money is often earned by doing paid work that helps someone ✓ Match a job to the help or value it gives people ✓ Sort how money or help arrives — earned pay, a gift, or unpaid help Peek inside the lesson ▸ Lesson flow
Hook (5m) → Model (8m) → Match (15m) → Sort + talk (12m) → Exit (5m)
Exit ticket
Draw one job and label the need or value its work helps with.
⚠︎ Keep examples fictional — there is no need to discuss a family’s real income, a parent’s job, or pocket money.
Print only · 10 min prep · Free Ages 6–8 45 min Needs & wants
♡ 🐯 Need, Want… or It Depends?A class packs for a rainy trip — is a warm coat a need, a want, or does it depend?
✓ Sort water, a warm coat and a fancy badge under NEED, WANT or DEPENDS ✓ Explain why a need or want can depend on the situation ✓ Name a question that helps decide before buying Peek inside the lesson ▸ Lesson flow
Hook (5m) → Model (10m) → Practise (20m) → Discuss (7m) → Exit (3m)
Exit ticket
Write one question that helps you decide before buying, such as “What do I already have?”
⚠︎ Keep the examples fictional and general — there is no need to discuss a family’s real money or what anyone owns at home.
Print only · 10 min prep · Free Ages 9–12 60 min Budgeting
♡ 🦝 Give Every Euro a JobYour group has €20 for a reading corner — give every euro a job before it disappears.
✓ Check that four planned jobs (€8, €5, €4, €3) use all €20 without going over ✓ Adjust the buffer when a €2 replacement bulb is needed ✓ Rebuild a balanced €20 plan when the lamp costs €7 instead of €5 Peek inside the lesson ▸ Lesson flow
Hook (7m) → Model (10m) → Practise (25m) → Discuss (12m) → Exit (6m)
Exit ticket
One job I protected was… because…
⚠︎ The €20 reading-corner project is fictional — there is no need to use a family’s real budget or spending.
Simple materials · 15 min prep · Free 🦉 The Saving Goal RaceGoldie wants a €24 art kit and can set aside €4 each week — how many weeks until she gets there?
✓ Fill in the saving balance after weeks 1, 2 and 3 ✓ Work out how many €4 deposits reach the €24 goal ✓ Explain that a skipped week delays the goal but keeps the money saved Peek inside the lesson ▸ Lesson flow
Hook (5m) → Model (10m) → Practise (20m) → Discuss (7m) → Exit (3m)
Exit ticket
Finish: €24 at €4 a week takes __ deposits — that turns a wish into a plan.
⚠︎ The art kit, amounts and weeks are fictional and there is no interest or price change — real prices and saving can differ.
Simple materials · 10 min prep · Free 🤖 Inside a Bank AccountA fictional account starts at €20, a gift adds €8, then a book and a bus are paid — what is the balance after each step?
✓ Write the running balance after a €8 gift, a €6 book and a €3 bus payment ✓ Label each transaction money IN or money OUT ✓ Decide what to do when a message asks for a one-time code to “fix” the account Peek inside the lesson ▸ Lesson flow
Hook (5m) → Model (10m) → Practise (20m) → Discuss (7m) → Exit (3m)
Exit ticket
The balance after the €8 gift, €6 book and €3 bus is €__ — it tells you…
⚠︎ The account and transactions are fictional — never use real account details, and never share a PIN or one-time code; if a message asks for one, ask a trusted adult and check separately.
Print only · 10 min prep · Free 🦉 Interest Has Two FacesTwo cards each start at €100 for a year at 10% — the saver receives €10, the borrower pays €10. Same rate, opposite result.
✓ Work out €10 of interest and the €110 closing balance on the saver card ✓ Work out the €10 interest and €110 total repayment on the borrower card ✓ Say who receives interest and who pays it, and to whom Peek inside the lesson ▸ Lesson flow
Hook (7m) → Model (12m) → Practise (20m) → Discuss (15m) → Exit (6m)
Exit ticket
Fill in: at 10% on €100 the saver ends with €__; the borrower repays €__ — same rate, opposite effect.
⚠︎ The 10% rate is a fictional one-year classroom assumption, not a real or guaranteed offer — real rates vary and borrowing has real costs. Education, not financial advice.
Print only · 10 min prep · Free 🦉 The Growth That Starts Growing€100 grows 10% a round: round 1 reaches €110, and round 2 adds €11 — not €10. Where did the extra euro come from?
✓ Calculate the balance after round 1 (€110) and round 2 (€121) ✓ Explain why round 2 growth is €11 rather than €10 ✓ Compare it with a fixed €10-per-round model and find the €1 difference Peek inside the lesson ▸ Lesson flow
Hook (6m) → Model (12m) → Practise (25m) → Discuss (10m) → Exit (7m)
Exit ticket
Finish: after two 10% rounds €100 becomes €__ — €1 more than adding a fixed €10 because…
⚠︎ The €100 and 10% rounds are a fictional illustration only — growth on growth can amplify losses too, and real returns are never guaranteed. Education, not financial advice.
Simple materials · 10 min prep · Free Ages 9–12 60 min Investing
♡ 🦉 Build an Investment GardenOne basket holds three book tokens; another holds one book, one bicycle and one food token. When demand for books falls, which basket feels it more?
✓ Build a book-only basket and a mixed basket using three tokens each ✓ Explain why the mixed basket has less riding on books when demand falls ✓ Explain why spreading reduces one-plot risk but a storm shows it cannot remove all risk Peek inside the lesson ▸ Lesson flow
Hook (6m) → Model (14m) → Practise (20m) → Discuss (12m) → Exit (8m)
Exit ticket
Fill in: the book-only basket has __ of 3 tokens in books, the mixed basket has __ — spreading helps because…
⚠︎ The garden and baskets are an analogy, not a product recommendation — spreading lowers one-plot risk but a fund is never guaranteed to gain. Education, not financial advice.
Print only · 10 min prep · Free 🦝 The Shared-Purse ChallengeA fictional town has 100 counters for school, roads, a clinic and a park — then a bridge repair needs 15 more. What has to give?
✓ Add the four town jobs (40 + 30 + 20 + 10) and check they use all 100 counters ✓ Rebalance to fund a 15-counter bridge repair while keeping the total at 100 ✓ Explain why a shared budget cannot give every service everything it wants Peek inside the lesson ▸ Lesson flow
Hook (7m) → Model (12m) → Practise (25m) → Discuss (10m) → Exit (6m)
Exit ticket
Finish: 40 + 30 + 20 + 10 = 100; to fund the 15-counter bridge I would… because a shared budget must choose.
⚠︎ The town, the 100 counters and the service amounts are fictional teaching figures — not a real national or Dutch budget or actual public spending.
Simple materials · 12 min prep · Free Ages 9–12 45 min Digital safety
♡ 🤖 Stop the Scam CountdownA message warns your account closes in 10 minutes — tap the link and send your one-time code. The name looks familiar, but no one has checked it.
✓ Underline two pressure or danger clues in an urgent account-closure message ✓ Decide not to tap the link or share the one-time code, and say why ✓ Verify the claim through a separate trusted route instead of the message Peek inside the lesson ▸ Lesson flow
Hook (5m) → Model (10m) → Practise (20m) → Discuss (7m) → Exit (3m)
Exit ticket
When a money message feels urgent, the first safe action is… (stop and check through a trusted route, never the message’s link or code).
⚠︎ The messages are fictional — never share a real PIN, password or one-time code, and check any urgent money message with a trusted adult through a separate route first.
Print only · 8 min prep · Free 🦝 Three Jars: Spend, Save, ShareCash has nine play coins and three jars — how many coins get a job in Spend, Save and Share?
✓ Split nine play coins across the Spend, Save and Share jars ✓ Explain why every coin having a job beats spending it all at once ✓ Name a saving goal the Save jar could be for Peek inside the lesson ▸ Lesson flow
Hook (5m) → Model (10m) → Practise (20m) → Discuss (7m) → Exit (3m)
Exit ticket
Finish: My Save jar is growing for… (one goal, such as an art kit).
⚠︎ Coins and choices are fictional — sharing is always voluntary and never a test of a family’s money or a child’s kindness.
Simple materials · 10 min prep · Free Ages 6–8 45 min Needs & wants
♡ 🐯 Spot the AdvertA bright poster shouts “Only today! Everyone wants the Sparkle Rocket!” — a plain card just says “Toy rocket, €12.” Which one is working on you?
✓ Spot which card is trying harder to persuade and name the clues ✓ Explain why “everyone wants it” does not prove a toy is useful to you ✓ Ask a calm question before buying the €12 toy Peek inside the lesson ▸ Lesson flow
Hook (5m) → Model (10m) → Practise (20m) → Discuss (7m) → Exit (3m)
Exit ticket
Write one question to ask before buying the €12 toy, such as “Will I still want it tomorrow?”
⚠︎ The poster and toy are fictional — an eye-catching advert is not always dishonest; the goal is to notice its purpose, not to judge any real brand.
Print only · 8 min prep · Free Ages 6–8 45 min Giving & sharing
♡ 🐯 The Kindness CoinThe class reading corner needs new labels — you could give a coin, some time, or a helping hand. Which counts as kind?
✓ Name different ways to help the reading corner: a coin, time or help ✓ Work out how many play coins remain after giving one of three ✓ Explain that giving is a voluntary choice, not a rule Peek inside the lesson ▸ Lesson flow
Hook (5m) → Model (10m) → Practise (20m) → Discuss (7m) → Exit (3m)
Exit ticket
Finish: One kind thing I can give the reading corner is… (a coin, time or help).
⚠︎ Coins and choices are fictional — never ask for real donations, and never rank anyone by how much they give; giving is always voluntary.
Print only · 8 min prep · Free Ages 9–12 60 min Entrepreneurship
♡ 🦔 Start a Tiny BusinessA class stand sells 8 cups of lemonade at €2 each and spends €5 on ingredients. How much of that is really profit?
✓ Explain cost, price and profit ✓ Design a simple product and set a price a customer would accept ✓ Show why sales money is not the same as profit Peek inside the lesson ▸ Lesson flow
Hook (7m) → Teach (12m) → Build a business (25m) → Market test (10m) → Exit (6m)
Exit ticket
My product costs €__, sells for €__, profit €__.
Simple materials · 12 min prep · Free 🦉 Sure Thing or Lucky Guess?A message says: send €10 now and get €20 by Friday — guaranteed, no risk. It never explains what the money does or who is responsible.
✓ Underline two words or phrases in the offer that should make you pause ✓ Explain why a €10 coin toss paying €20 on heads or €0 on tails is not a certain outcome ✓ List two facts you would need before believing a money claim Peek inside the lesson ▸ Lesson flow
Hook (6m) → Model (12m) → Practise (20m) → Discuss (4m) → Exit (3m)
Exit ticket
A too-good-to-be-true offer like “€10 now, €20 Friday, guaranteed” should make me… (pause, not send money, and check with a trusted adult).
⚠︎ The offer and the €20-heads/€0-tails coin toss are fictional paper models of uncertainty, not betting to try — this builds caution, not fear. Education, not financial advice.
Print only · 8 min prep · Free Ages 9–12 45 min Digital safety
♡ 🤖 The Loot Box TrapA free game offers mystery boxes at €4.99 each and flashes “Only 02:00 left!” — the contents are unknown. Free to open, but is it free to play?
✓ Work out the cost of three mystery boxes (3 × €4.99 = €14.97) ✓ Explain why a “free” game does not make the €4.99 boxes free ✓ Name the timer pressure tactic and use a safe ask-first step before spending Peek inside the lesson ▸ Lesson flow
Hook (6m) → Model (12m) → Practise (20m) → Discuss (4m) → Exit (3m)
Exit ticket
Three €4.99 boxes cost €__ — before spending in a game I first… (pause and ask a trusted adult).
⚠︎ The game, the €4.99 boxes and the timer are fictional — the aim is to notice cost, uncertainty and pressure, not to try mystery buys; pause and ask a trusted adult before any in-game purchase.
Print only · 8 min prep · Free 🦝 Your First Payslip: Gross vs NetA fictional job pays €12 an hour for 5 hours — that is €60 gross. So why does the payslip show €51?
✓ Calculate gross pay for five hours at €12 (5 × €12 = €60) ✓ Subtract the fictional €9 deduction to find net pay (€60 − €9 = €51) ✓ Explain why the €9 deduction should not be assumed to apply to every real worker Peek inside the lesson ▸ Lesson flow
Hook (7m) → Model (13m) → Practise (22m) → Discuss (12m) → Exit (6m)
Exit ticket
Gross is €60, net is €51, and the €9 difference is a fictional deduction because real rules depend on…
⚠︎ The €12 rate, the €60 gross and the €9 deduction are fictional teaching figures — do not read a tax percentage into them; real rules vary by country, situation and current law. Education, not tax advice.
Print only · 10 min prep · Free Ages 13–15 60 min Interest
♡ 🦉 The True Cost of BorrowingThe same fictional €90 item is offered as “3 easy payments of €34.” Add them up — €102 — and the “easy” wording costs €12 more.
✓ Add the three €34 payments (3 × €34 = €102) and find how much is above the €90 price ✓ Compare the total of each offer and, under the stated assumptions, pick the lowest ✓ Explain why “only €34 each time” is an incomplete way to compare offers Peek inside the lesson ▸ Lesson flow
Hook (7m) → Model (13m) → Practise (22m) → Discuss (12m) → Exit (6m)
Exit ticket
Three €34 payments total €__ — €12 above the €90 price — so I compare offers first by their…
⚠︎ The €90 item and the “no stated fee” pay-later card are narrow teaching assumptions — a pay-later option is not automatically free or safer, and real credit terms carry real costs. Education, not financial advice.
Print only · 10 min prep · Free Ages 13–15 60 min Investing
♡ 🦉 Time Is Your SuperpowerTwo people each put in €100 once. A gets two 10% rounds, B starts a round later and gets one — A ends at €121, B at €110.
✓ Find A’s balance after two 10% rounds (€110 then €121) ✓ Find B’s balance after one round (€110) and compare the €11 gap ✓ Explain why one company share is riskier than a broad fund, and why the 10% model is not guaranteed Peek inside the lesson ▸ Lesson flow
Hook (7m) → Model (13m) → Practise (22m) → Discuss (12m) → Exit (6m)
Exit ticket
Fill in: A ends at €__, B at €__ — the extra 10% round is worth €__ here, but it is not guaranteed because…
⚠︎ The €100, the 10% rounds and the early-start gap are a fictional fixed model — starting earlier does not always end ahead, real returns rise and fall and can be negative, and fees matter. Education, not advice.
Simple materials · 10 min prep · Free Ages 13–15 60 min Needs & wants
♡ 🐯 Designed to Make You Want ItA favourite creator “just loves” a €12 drink kit — with a tiny “ad” label. At checkout a €3 extra is already ticked and a timer says “Buy now.”
✓ Spot what shows the creator may have been paid — the small “ad” label ✓ Work out the full checkout price when the €3 extra stays selected (€12 + €3 = €15) ✓ Name two design choices that push a quick decision and write one pause rule Peek inside the lesson ▸ Lesson flow
Hook (7m) → Model (13m) → Practise (22m) → Discuss (12m) → Exit (6m)
Exit ticket
With the €3 extra ticked the €12 kit costs €__ at checkout; one design trick I now notice is… and my pause rule is…
⚠︎ The post and checkout screen are fictional; being sponsored does not by itself make a product bad. This is an educational example, not personal financial advice.
Print only · 8 min prep · Free Ages 13–15 60 min Budgeting
♡ 🦝 Your First Month on Your OwnA fictional €1,200 lands for the month — rent €600, food €200, transport €100, phone €40, buffer €100, leisure €160. Then an €80 repair appears.
✓ Add all six planned jobs and check they fit the €1,200 income ✓ Revise the plan to cover an €80 repair without spending above income ✓ Explain why a buffer is useful even in a balanced plan Peek inside the lesson ▸ Lesson flow
Hook (7m) → Model (12m) → Practise (22m) → Discuss (12m) → Exit (7m)
Exit ticket
€600 + €200 + €100 + €40 + €100 + €160 = €1,200; to cover the €80 repair I would… and I protected… first.
⚠︎ The €1,200 income and all the prices are fictional teaching figures — a balanced example is not proof that €1,200 covers real living costs anywhere. Education, not financial advice.
Simple materials · 12 min prep · Free 🤖 Insurance: Sharing the RiskTen people each put €2 into a shared pool — €20. One has a covered €15 loss and pays the first €3. How much does the pool pay, and what is left?
✓ Work out how much is in the pool before the loss (10 × €2 = €20) ✓ Split a €15 loss into the €3 excess and the €12 the pool pays, leaving €8 ✓ Explain why paying a premium does not mean everyone gets money back Peek inside the lesson ▸ Lesson flow
Hook (6m) → Model (12m) → Practise (18m) → Discuss (6m) → Exit (3m)
Exit ticket
Pool €20, loss €15: person pays €3, pool pays €12, €8 left — before judging a real policy I would check…
⚠︎ The €2 pool, the €15 loss and the €3 excess are a simplified classroom model — real policies and claim outcomes differ and are not guaranteed by it. Education, not financial advice.
Print only · 8 min prep · Free Ages 13–15 45 min Digital safety
♡ 🤖 Real or AI? Money Safety in the AI AgeA voice message sounds exactly like a parent: “Send €50 now; I cannot call.” The voice could be cloned — and it isn’t proof.
✓ Give two reasons a familiar-voice message is not proof of who is asking ✓ Write the first two safe actions to take without replying through the message ✓ Explain why a polished video or correct spelling alone cannot prove a request is genuine Peek inside the lesson ▸ Lesson flow
Hook (6m) → Model (12m) → Practise (18m) → Discuss (6m) → Exit (3m)
Exit ticket
A message can sound exactly like someone and still be fake, so before sending €50 I first… (stop and verify through a separate known channel).
⚠︎ The voice message and €50 request are fictional — you cannot reliably detect every AI fake by appearance, so verify through a separate known channel; this builds calm habits, not fear of technology. Education, not financial advice.
Print only · 8 min prep · Free