Money Hero Capstone

Before we start

Five minutes before Lesson 1, no scoring.

1. 1. If your team had €20 to start a little project, what would you make?
2. 2. What would you pay for first, and what could wait?
3. 3. What would you keep aside in case something goes wrong?

Lesson 1. Plan the corner

Penny and Cash · 45 min · Build a €20 starting plan and explain priorities.

1. Fill: repair __, cover __, buffer __, total __.
2. Why can the sign wait?
3. What is one free resource the team could reuse?
4. Name each hero's role: Penny asks, Cash builds, Tally counts, Byte checks digital claims, Goldie helps reflect.

Lesson 2. Earn by helping

Penny · 45 min · Show that the corner earned money by making something people wanted and were happy to pay for, not by taking it from anyone.

1. What are the total sales from 8 bookmarks at €2 each?
2. After €4 of supplies, what is the bookmark profit?
3. Why did the corner "earn" this money rather than just receive it?
4. Name one other helpful way the team could earn for the corner.

Lesson 3. Needs before nice

Penny · 45 min · Sort a spending choice into a need and a want, and show why the need is funded before the nice-to-have.

1. Which is a need and which is a want: the €8 cover or the €6 sign?
2. Why should the cover come first?
3. If only €6 were left, would you buy the €8 cover or the €6 sign — and what would you do?
4. Name one fair way the team could still get a sign later.

Lesson 4. The buffer that saved the day

Cash · 45 min · Show that a small amount saved on purpose lets a plan survive a surprise without breaking.

1. How much is the just-in-case buffer?
2. A surprise crack needs a €2 fix — what is the balance after paying it from the buffer?
3. What could have happened if there had been no buffer?
4. Why should every plan keep a small buffer?

Final mission. Present the decision

Goldie and the team · 45 min · Communicate a balanced plan, one adaptation and a safety check.

1. Present:
2. What problem did you solve?
3. Where did the €20 go?
4. What changed after bookmark sales and book purchases?
5. What surprise did you handle?
6. How would you verify a suspicious “donate now” message?
7. What would you improve next time?

Extension. Adapt without losing the truth

Tally and Byte · 45 min · Record sales, costs and the ending project balance accurately.

1. Bookmark sales?
2. Bookmark profit under the stated supply cost?
3. Total project money received after sales?
4. Total spent before the extra repair?
5. Balance before and after €2 extra repair?
6. What happened to the original €4 buffer when supplies were bought, and how can it be refilled?

Extension. Share the good

Cash · 45 min · Show that a team can give generously and still keep a safe budget when the giving is planned.

1. What is the cost of 6 used books at €2 each?
2. Starting from the €16 of sales, what is the balance after buying the books?
3. Why does sharing the books help the whole community, not just one person?
4. How can "we gave" and "we kept a safe budget" both be true here?

Extension. Borrow or wait?

Goldie · 45 min · Compare buying now with borrowed money against waiting and saving, and see the extra cost that borrowing can add.

1. If the team borrows €6 and repays €8, what is the total repaid?
2. What is the extra cost of borrowing?
3. If they wait and save instead, what does the €6 rug cost them?
4. For a nice-but-not-urgent rug, would you borrow or wait — and why?

Extension. The safe click

Byte · 45 min · Spot the warning signs in a rushed "donate now" message and choose a safe, checked way to accept real donations.

1. Name two warning signs in the "donate now" message.
2. Should the team tap the link — yes or no?
3. What is a safe way to accept real donations instead?
4. Write one thing about money you are now proud to be able to explain.

My money reflection

A quiet close to the year.

1. The money skill I'm most proud of this year…
2. One thing I'd plan differently next time…
3. How I'd explain a good money choice to someone else…

Cut-out coins

Play money for the lessons and the mission — fictional, for practice only. Cut along the dashed circles; print one page per pair for extra coins.