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WELCOME TO CASHCRUNCH101

The aim of the game is to look after your money, increase your savings and avoid the "cash crunch".
Throughout the game you will build up your credit score and savings, while trying to navigate your cashflow and objectives.

GETTING STARTED

To get started, you will need to sign up and then choose an Avatar that best suits you when prompted.

Duration of play is for 12 “virtual months”.



avatar

MONTHLY EXPENSES

You are a student navigating college life.






Your objective is to increase your Net Worth and Savings.

At the start of each month, the Monthly Expenses screen shows your Fixed Expenses for that month, and the Income screen prompts the Push Me button to see your earnings for the week.

expense

MONTHLY INCOME

Your job is to watch the income and spending throughout the year to stay in the green.



income


For each of the Income and Expenses, the total amounts are missing and you will need to submit the correct totals.

There is a calculator to help if needed. If the total is wrong, you will lose points. Pay attention to the difference between your Income and Expenses for the month.

THE GAME

You will start with $4000 in your Checking Account.







Your Net Worth will reflect your total funds in your Checking and Savings Account combined.

To start the round, simply Click the flashing dice and you will move through the "calendar month".

calendar

OH BOY CARDS

Throughout the game Oh Boy cards will appear throughout the game in the form of Income, Expense, Decision making and Multiple choice.



ohboy

These cards will have an effect on your Net Worth, depending on the choices you make or the situations you have to deal with.

Depending on the cards you receive, green and red boxes will appear. These represent Income that you receive and Expenses that you pay. You can click on these at anytime to remind yourself of those particular transactions.

DEBIT CARD OR CREDIT CARD

Receiving an Oh Boy card could mean that you have to pay money.






You will have a choice to pay using your Debit Card or Credit card.

When using your debit card, money will immediately be deducted from your Checking Account.

ohboy

Are you ready to experience the game?

The aim of the game is to look after your money, increase your savings and avoid the "cash crunch". Duration of play is for 12 “virtual months”. Throughout the game you will build up your credit score and savings, while trying to navigate your cashflow and objectives.

CREDIT CARD STATEMENT

If you pay by credit card, it will be added to your credit card statement and payment of your credit card must be completed by the 26th of every month.



creditcard




Not doing so, will incur late payment fees and interest.

Your credit score will also be negatively affected and will have an effect on your final score.

CHOICE CARD

There is also a "What would you like to do?" card that pops up with some frequency.




This allows you to choose whether you would like to Earn more money, Study, Socialize or do Household errands.

You must choose all 4 options before being able to go back to earn more money. Multiple Choice cards will also appear randomly and answering these questions correctly or incorrectly will either earn or cost you money.

choicecard

FINANCIAL SUMMARY

There are a number of "financial instruments" that will allow you to monitor your performance.



financial



Keep checking the Financial Summary for current and historical data.

You are also able to transfer funds between your Savings and Checking Account by moving the slider left or right. Pay special attention to earning medals.

MEDALS

Your medal is based solely on your current level of Savings.





Your aim is to be awarded a Platinum medal which can only be kept if the level of Savings is maintained.

You will see a percentage next to your current medal level. This shows how close you are to completing that level. Game Score points are heavily influenced by Savings.

savings

CASHCRUNCH CAFÉ GAME

To earn extra money during the game, the CashCrunch Café game will pop up randomly.



cafe






The faster you play the more money you earn. You may want to save some of this money on a regular basis.

DOUBLING UP GAME

To earn extra money during the game, the Doubling Up game will pop up randomly.









The faster you play the more money you earn. You may want to save some of this money on a regular basis.

doubling

MONTHLY SUMMARY

At the end of each week and month, a summary of your transactions and activity are displayed.



month






You will also have a scoreboard that will reflect your play and financial health.

EXIT THE GAME

If at any time you exit the game, the data from all competed rounds / “virtual months” will be saved in your Student Locker.









Definitions of any of the vocabulary mentioned in the game can be found in the Glossary under the Ask Brian button.

exist

There are also resources available for you to read at your leisure on www.cashcrunchgames.com which includes blogs and learning resources. We are adding content all the time so check the website regularly.

Are you ready to experience the game?

The aim of the game is to look after your money, increase your savings and avoid the "cash crunch". Duration of play is for 12 “virtual months”. Throughout the game you will build up your credit score and savings, while trying to navigate your cashflow and objectives.

HELP & GUIDELINES

Instructional Video

How to Play 101

Ways to use CashCrunch 101 in class rooms

Meets National Personal Finance Standards

Own Label Opportunity