CashCrunch Games

a fun way to learn about money



CashCrunch 101 is a board game that allows the player to simulate the real world in a basic way through Income, Expenses , Decision making and Net Worth.


The aim is for the player to increase their Net Worth through the various decisions being made whilst being aware of their Income and Expenses.


Our aim is for the student to become aware of the simplest form of CashFlow on a Personal level. We want them to understand that there is not always instant gratification and that there are consequences when decisions are made, and therefore need to be more mindful when spending.


CashCrunch 101 aims to prompt discussion about various topics around money and allow the player to make the mistakes and learn from the safety of the game.


The resources will mostly include questions and activities. The resources have been written as though someone is speaking to the student. These resources can be used as an introduction to a lesson, a class activity, homework or for independent study. Therefore I have not put a time taken to complete the resource as it would vary from class to class, the objectives and differentiation.




Needs and Wants: Focuses on the difference between Needs and Wants. Simple exercise and activity. Could be done individually, in pairs or as homework. Good introduction to Opportunity Cost, value for money and choices.


Basic Paycheck: How is your Paycheck split up? The difference between Gross and Net Pay. Simple research activity.  Watch You Tube video Understanding Your Paycheck


Show me the Money: A simple reading exercise that should prompt discussion about the minimum wage. Which could lead to a research assignment.

Earning to Spending: Is a combined exercise. The table shows what you have to earn before you spend at different levels. This could quite easily start discussions in the following directions. Types of job and career, tax, needs and wants, opportunity cost etc.


Earning to Spending continued: Using the chart from the Earning to Spending resource and the new equation, complete the tasks. Students could actually reflect on their latest purchases. How hard did their parents have to work? Or how hard did they have to work to purchase these goods? Work individually or in pairs.


Opportunity Cost: This resource builds on from the Needs and Wants and Earning to Spending resources. Simple choices. Simple definition followed by questions for students to answer. Opportunity Cost can be applied to both a personal level and commercial level. Very easy to spend 10 minutes or a lesson on this concept.  Could be completed for homework or in groups in class.


Estimating costs and Budgets: Working out how much you think you need and what you actually spent. Did you have to spend that much money? Could you show restrain? Basic estimates using whole numbers by rounding up or down. Research activities for class and home.


Knuckles and Months: A simple chart to teach the students to remember the number of days in each month.


Balancing a Checkbook: This is an example of how the data from the CashCrunch Game has been used to balance a checkbook.  Export the data from the game played and balance their checkbooks. Data will reflect their choices made in the game. Good start to discussions about debits and credits.


Scams: A simple reading exercise that could prompt discussions.


Can I have a Job: A simple reading exercise about the Fair Labor Standards and employment.


Making Change:  Simple exercises focusing on the basics of making change.


Rounding and Adding: This is a follow on from Estimating and Budgets. Simple math to help keep your spending under control when in the store. Introduction to Sales Tax calculations. Individual work.


Spending Evaluation: Introduction to financial statements on a personal level with a research task and homework.


APR and Monthly Interest Rates: Introduction into APR and Monthly interest rates with examples and activities. There are also various Interest rate calculators in the other helpful resources section.


Credit Score Rating: What a credit score is and why it varies.  Research task and questions.  YouTube clip Understanding your Credit Score.


Glossary: Terminology related to Personal Finance and the CashCrunch 101 game.










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