2. Influences on our spending choices how to manage spending and saving through the use of a budget about how if we plan our spending we can manage our money better

3. Money Easy come – easy go Look after the pennies and the pounds will take care of themselves The whole point of money is to spend it Money doesn’t grow on trees Money is like water you can’t keep it in your pocket A penny saved is a penny earned

4. Budgeting What does BUDGETING mean? An estimate of income and expenditure for a set period of time The amount of money needed or available for a purpose A budget can be made for a person, family, group of people, business, government or country

5. Budgeting “Annual income twenty pounds, annual expenditure nineteen pounds, nineteen shillings and six pence, result happiness. Annual income twenty pounds, annual expenditure twenty pounds and six pence, result misery." Mr Micawber in David Copperfield

6. How well can you budget? In pairs or small groups:  Decide how you will spend your money  Record the money you have and the money you spend  Do you have money left at the end of the week?  Have you been able to make the choices you wanted?  Are there ways to reduce how much you’ve spent?  What would you do with the money you have left over?

7. What happens next? Throw the dice and take the relevant chance card Use the information to add to your budget plan How does it affect what you can and can’t do?

8. Today I have … What did we doWhy did we do itWhat did I learn today How can I apply it?What questions do I still have about it?

9. how to prioritise our needs and wants how to create a budget to help us plan our spending how to record our spending so we can manage our money better