Tip: print one copy per pupil (core pages) and one token page per pair. Set your browser to A4 and “Background graphics” on.
Money Hero Workbook · October
Choices
“How do you decide what's really worth it?”
Before we start
Five minutes before Lesson 1, no scoring — find out how pupils already decide.
- 1. Write one thing you need and one thing you want this week.
- 2. You can pick ONE: a new toy or a day out. What would you give up by choosing?
- 3. How do you usually decide what to spend your money on?
Lesson 1. Need, want, or it depends?
Penny · 45 min · Explain how context changes a priority.
- For water, choose need/want/depends and write “because…”.
- Do the same for a winter coat and branded trainers.
- Do the same for a phone.
- What information would help you decide about the phone?
Lesson 2. The choice you leave behind
Penny · 45 min · Name the opportunity cost of a decision in plain language.
- Can museum + art kit fit in €10?
- Find two combinations that fit.
- If you choose museum + picnic, what can you not buy now?
- What might change your decision?
Lesson 3. The real price tag
Tally · 45 min · Compare full prices including extras and identify what matters besides the number.
- Total A and B.
- Which paid option costs less and by how much?
- List one advantage and one limit of C.
- State which you would choose for a one-week project and why.
Lesson 4. Sleep on it
Penny · 45 min · Tell a considered choice from an impulse one and use a simple pause-and-check before deciding.
- A toy costs €6 today and €6 tomorrow. Does "only today" change the price?
- Write the three pause questions.
- For a €6 gadget you already own, choose buy, wait or skip.
- Why can waiting a day make a better choice?
Final mission. A choice for everyone
Tally · 45 min · Make a fair group choice when people prefer different things, using a simple method.
- Tally a fictional vote for three treats.
- Which won, and by how much?
- If the vote is a tie, name one fair way to decide.
- Why is "take turns" fair over several weeks?
Extension. Put them in order
Penny · 45 min · Rank several fictional wants and needs by priority and explain the order when not everything fits.
- Rank the six items from most to least urgent for a normal school day.
- Draw a line after your top three.
- Which item moves up if the day is very cold?
- Why did you place your last item last?
Extension. Four ways to get one thing
Tally · 45 min · Compare buying, borrowing, making and sharing as ways to meet the same need, weighing money, time and ownership.
- Fill in money and time for buy, borrow, make and share.
- Which costs the least money?
- Which is best for a one-time play, and why?
- When would borrowing be a poor choice?
Extension. Ask before you choose
Tally · 45 min · Ask useful questions that lead to a better choice rather than choosing on looks or an advert alone.
- Two backpacks: bright €9, plain and sturdy €8. Which lasts better if the notes say so?
- List three questions to ask before choosing.
- Which would you pick for daily school use, and why?
- Why is "it looks nice" not enough on its own?
Extension. The cost of your time
Penny · 45 min · Name the opportunity cost of a choice about time, not only money, across one afternoon.
- You have three 30-minute blocks and five activities. Choose three.
- Which two did you give up?
- If a friend needs help setting up the fair, what changes?
- Finish: "If I choose ___, I give up ___ for now."
My money reflection
A quiet close to the month.
- A choice I'm glad I thought about before deciding…
- Something I wanted less once I knew its full cost…
- A way I could make a fairer choice with others next time…
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.