First Steps to Money Smartness
First Steps to Money Smartness Cover Page

Index (āϏ⧂āϚāĻŋāĻĒāĻ¤ā§āϰ)

  • 📖 Chapter 1: Where Did Money Come From? (āϟāĻžāĻ•āĻž āϕ⧋āĻĨāĻž āĻĨ⧇āϕ⧇ āĻāϞ⧋?)
  • 💰 Chapter 2: Why Do We Use Money? (āφāĻŽāϰāĻž āϕ⧇āύ āϟāĻžāĻ•āĻž āĻŦā§āϝāĻŦāĻšāĻžāϰ āĻ•āϰāĻŋ?)
  • âš–ī¸ Chapter 3: Needs vs Wants (āϚāĻžāĻšāĻŋāĻĻāĻž āĻŦāύāĻžāĻŽ āχāĻšā§āĻ›āĻž)
  • 💎 Chapter 4: The Value of Money (āϟāĻžāĻ•āĻžāϰ āĻŽā§‚āĻ˛ā§āϝ)
  • đŸĻ Chapter 5: First Money Habit – Save, Spend, Share (āĻĒā§āϰāĻĨāĻŽ āϟāĻžāĻ•āĻžāϰ āĻ…āĻ­ā§āϝāĻžāϏ)

Chapter 2: Why Do We Use Money?

Money's Superpowers!

Let's find out why money is so useful. It helps us get the things we **need** to live and the things we **want** for fun!

āφāĻŽāϰāĻž āϕ⧇āύ āϟāĻžāĻ•āĻž āĻŦā§āϝāĻŦāĻšāĻžāϰ āĻ•āϰāĻŋ?
āϚāϞ⧋ āĻĻ⧇āĻ–āĻŋ āϟāĻžāĻ•āĻž āĻāϤ āωāĻĒāĻ•āĻžāϰ⧀ āϕ⧇āύāĨ¤ āϟāĻžāĻ•āĻž āφāĻŽāĻžāĻĻ⧇āϰ āĻŦ⧇āρāĻšā§‡ āĻĨāĻžāĻ•āĻžāϰ āϜāĻ¨ā§āϝ **āĻĒā§āĻ°ā§Ÿā§‹āϜāĻ¨ā§€ā§Ÿ** āϜāĻŋāύāĻŋāϏ āĻāĻŦāĻ‚ āĻŦāĻŋāύ⧋āĻĻāύ⧇āϰ āϜāĻ¨ā§āϝ **āχāĻšā§āĻ›āĻžāϰ** āϜāĻŋāύāĻŋāϏ āĻĒ⧇āϤ⧇ āϏāĻžāĻšāĻžāĻ¯ā§āϝ āĻ•āϰ⧇āĨ¤

Needs vs Wants illustration

First Things First: Basic Needs

Money's most important job is to help us buy our **basic needs**. These are things we absolutely must have to live a healthy life, like food, clothes, and a home.

Basic needs: food, shelter, clothing

āϟāĻžāĻ•āĻžāϰ āϏāĻŦāĻšā§‡āϝāĻŧ⧇ āϗ⧁āϰ⧁āĻ¤ā§āĻŦāĻĒā§‚āĻ°ā§āĻŖ āĻ•āĻžāϜ āĻšāϞ⧋ āφāĻŽāĻžāĻĻ⧇āϰ **āĻŽā§ŒāϞāĻŋāĻ• āϚāĻžāĻšāĻŋāĻĻāĻžāϗ⧁āϞ⧋** āĻ•āĻŋāύāϤ⧇ āϏāĻžāĻšāĻžāĻ¯ā§āϝ āĻ•āϰāĻžāĨ¤ āϏ⧁āĻ¸ā§āĻĨāĻ­āĻžāĻŦ⧇ āĻŦ⧇āρāĻšā§‡ āĻĨāĻžāĻ•āĻžāϰ āϜāĻ¨ā§āϝ āĻāχ āϜāĻŋāύāĻŋāϏāϗ⧁āϞ⧋ āφāĻŽāĻžāĻĻ⧇āϰ āĻ…āĻŦāĻļā§āϝāχ āĻĒā§āϰāϝāĻŧā§‹āϜāύāĨ¤

Money is a Universal Helper!

Money makes life much simpler than bartering! Instead of trading a chicken for a doctor's help, you pay with money. The doctor can then use that money to buy exactly what they need.

āϟāĻžāĻ•āĻž āĻœā§€āĻŦāύāϕ⧇ āϏāĻšāϜ āĻ•āϰ⧇!
āĻŽā§āϰāĻ—āĻŋāϰ āĻŦāĻŋāύāĻŋāĻŽāϝāĻŧ⧇ āĻĄāĻžāĻ•ā§āϤāĻžāϰ⧇āϰ āϏāĻžāĻšāĻžāĻ¯ā§āϝ āύāĻž āύāĻŋāϝāĻŧ⧇, āϤ⧁āĻŽāĻŋ āϟāĻžāĻ•āĻž āĻĻāĻŋāϝāĻŧ⧇ āĻĒāĻžāϰāĻŋāĻļā§āϰāĻŽāĻŋāĻ• āĻĻāĻžāĻ“āĨ¤ āĻĄāĻžāĻ•ā§āϤāĻžāϰ āϏ⧇āχ āϟāĻžāĻ•āĻž āĻĻāĻŋāϝāĻŧ⧇ āϤāĻžāϰ āύāĻŋāĻœā§‡āϰ āĻĒā§āϰāϝāĻŧā§‹āϜāύ⧀āϝāĻŧ āϜāĻŋāύāĻŋāϏ āĻ•āĻŋāύāϤ⧇ āĻĒāĻžāϰ⧇āύāĨ¤

Paying a doctor with money instead of bartering

You Have the Power to Choose!

When you have money, you get to make choices. Will you spend it on a need (like a school book), a want (like an ice cream), or will you save it for something bigger later? Making smart choices is an important money skill!

Choosing how to spend money

āϤ⧋āĻŽāĻžāϰ āϟāĻžāĻ•āĻž āĻĻāĻŋāϝāĻŧ⧇ āϕ⧀ āĻ•āĻŋāύāĻŦ⧇ āϏ⧇āϟāĻž āĻ āĻŋāĻ• āĻ•āϰāĻžāϕ⧇ āĻ–āϰāĻšā§‡āϰ āĻĒāĻ›āĻ¨ā§āĻĻ āĻŦāϞ⧇āĨ¤ āϤ⧁āĻŽāĻŋ āĻ•āĻŋ āϕ⧋āύ⧋ **āĻĒā§āĻ°ā§Ÿā§‹āϜāύ (need)** āĻ•āĻŋāύāĻŦ⧇, āύāĻžāĻ•āĻŋ āĻāĻ•āϟāĻŋ **āχāĻšā§āĻ›āĻž (want)** āĻĒā§‚āϰāĻŖ āĻ•āϰāĻŦ⧇, āύāĻžāĻ•āĻŋ āĻ­āĻŦāĻŋāĻˇā§āϝāϤ⧇āϰ āϜāĻ¨ā§āϝ **āϜāĻŽāĻŋā§Ÿā§‡ (save)** āϰāĻžāĻ–āĻŦ⧇?

Let's Go Shopping!

Activity: Classroom Market!

Children in a roleplay market

Let's set up a mini-market in class! Using fake money, you can practice buying and selling things. This is a fun way to see how money works in real life!

āϚāϞ⧋ āĻ•ā§āϞāĻžāϏ⧇ āĻāĻ•āϟāĻŋ āϛ⧋āϟ āĻŦāĻžāϜāĻžāϰ āĻŦāϏāĻžāχ! āύāĻ•āϞ āϟāĻžāĻ•āĻž āĻŦā§āϝāĻŦāĻšāĻžāϰ āĻ•āϰ⧇, āϤ⧁āĻŽāĻŋ āϕ⧇āύāĻž-āĻŦ⧇āϚāĻž āĻ…āύ⧁āĻļā§€āϞāύ āĻ•āϰāϤ⧇ āĻĒāĻžāϰ⧋āĨ¤ āĻŦāĻžāĻ¸ā§āϤāĻŦ⧇ āϟāĻžāĻ•āĻž āϕ⧀āĻ­āĻžāĻŦ⧇ āĻ•āĻžāϜ āĻ•āϰ⧇ āϤāĻž āĻĻ⧇āĻ–āĻžāϰ āĻāϟāĻŋ āĻāĻ•āϟāĻŋ āĻŽāϜāĻžāϰ āωāĻĒāĻžāϝāĻŧ!

Summary of money concepts

Chapter 2: Key Takeaways

Remember, money is a tool! We use it to get our essential needs first, like food and a home. After that, we can make smart choices about our wants.

āĻŽāύ⧇ āϰ⧇āĻ–ā§‹, āϟāĻžāĻ•āĻž āĻāĻ•āϟāĻŋ āϏāϰāĻžā§āϜāĻžāĻŽ! āφāĻŽāϰāĻž āĻĒā§āϰāĻĨāĻŽā§‡ āφāĻŽāĻžāĻĻ⧇āϰ āĻ…āĻĒāϰāĻŋāĻšāĻžāĻ°ā§āϝ āϚāĻžāĻšāĻŋāĻĻāĻž āĻŽā§‡āϟāĻžāϤ⧇ āĻāϟāĻŋ āĻŦā§āϝāĻŦāĻšāĻžāϰ āĻ•āϰāĻŋāĨ¤ āϤāĻžāϰāĻĒāϰ, āφāĻŽāϰāĻž āφāĻŽāĻžāĻĻ⧇āϰ āχāĻšā§āĻ›āĻž āϏāĻŽā§āĻĒāĻ°ā§āϕ⧇ āĻŦ⧁āĻĻā§āϧāĻŋāĻŽāĻžāύ⧇āϰ āĻŽāϤ⧋ āϏāĻŋāĻĻā§āϧāĻžāĻ¨ā§āϤ āύāĻŋāϤ⧇ āĻĒāĻžāϰāĻŋāĨ¤

Understand Money in a Story
(āĻ—āĻ˛ā§āĻĒ⧇āϰ āĻŽāĻžāĻ§ā§āϝāĻŽā§‡ āϟāĻžāĻ•āĻž āĻŦ⧁āĻā§āύ!)

Stories are a fun way to learn! Click the button below to read an exciting story.

Chapter 2 Quiz! (āϕ⧁āχāϜ)

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BISWAZ GROWTH ACADEMY - Class Menu