Truth Centered Transformation is a ministry of Reconciled World. Learn more at tctprogram.org.

MONEY MATTERS

VISUAL AIDS

Truth Centered Transformation is a ministry of Reconciled World. Learn more at tctprogram.org.

Table of Contents

Visual Aid 1.1: Expenses Poster ......................................................................................... 3

Visual Aid 1.2: Budgeting and Debt game cards ................................................................. 4

Visual Aid 1.3: Picture of Empty House............................................................................ 13

Visual Aid 2.1: Budget Poster: The Four Budget Steps ..................................................... 13

Visual Aid 2.2: Needs and Wants Picture Cards ............................................................... 15

Visual Aid 4.1: Ways of Using Money .............................................................................. 21

Visual Aid 4.2: Rich Man, Poor Man Game Cards ............................................................. 23

Visual Aid 5: Five ways of using money ........................................................................... 29

Visual Aid 6.1: Expense Labels ........................................................................................ 32

Visual Aid 6.2: Example Envelopes .................................................................................. 33

Visual Aid 7: Farm with lots of crops ............................................................................... 34

Page 3

Lesson 1: Introduction to Budgeting

Visual Aid 1.1: Expenses Poster

Food 2 per day* Electricity 5 per month Household Supplies

10 per month

Random Expenses eg. medical bills

10 x dice per month

Schooling (2 children)

80 per child in Feb and 100 per child in May.

Extra Rice 30 per month – Oct, Nov, Dec

Income Expenses

300 due in June

* To keep it simple each month is 30 days

Page 4

Lesson 1: Introduction to Budgeting

Visual Aid 1.2: Budgeting and Debt

game cards

PRINTING & CUTTING INSTRUCTIONS Page 5 – Print 1 copy and cut apart Page 6 – Print 3 copies and cut apart Page 7 – Print 1 copy and cut apart Page 8 – Print 2 copies and cut apart Page 9 – Print 2 copies and cut apart Page 10-12 – Print 2 copies and cut apart

Page 5

Lesson 1: Introduction to Budgeting

$1000 $500 $500

$1000 $500 $500

$1000 $500 $500

$1000 $500 $500

$1000 $500 $500

$1000 $500 $500

$1000 $500 $500

$1000 $500 $500

$1000 $500 $500

$1000 $500 $500

$1000 $500 $500

$1000 $500 $500

Page 6

Lesson 1: Introduction to Budgeting

$100 $100 $100

$100 $100 $100

$100 $100 $100

$100 $100 $100

$100 $100 $100

$100 $100 $100

$100 $100 $100

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$100 $100 $100

Page 7

Lesson 1: Introduction to Budgeting

$50 $50 $50

$50 $50 $50

$50 $50 $50

$50 $50 $50

$50 $50 $50

$50 $50 $50

$50 $50 $50

$50 $50 $50

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Page 8

Lesson 1: Introduction to Budgeting

$10 $10 $10

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$10 $10 $10

$10 $10 $10

$10 $10 $10

$10 $10 $10

$10 $10 $10

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$10 $10 $10

Page 9

Lesson 1: Introduction to Budgeting

$5 $5 $5

$5 $5 $5

$5 $5 $5

$5 $5 $5

$5 $5 $5

$5 $5 $5

$5 $5 $5

$5 $5 $5

$5 $5 $5

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$5 $5 $5

Page 10

Lesson 1: Introduction to Budgeting

$20

$30

$40

$20

$30

$40

$20

$30

$40

$20

$30

$40

$20

$30

$40

$20

$30

$40

$20

$30

$40

$20

$30

$40

Page 11

Lesson 1: Introduction to Budgeting

$150 OR $20/ month x 12 months

$50

Clothing

$15

$150 OR $20/ month x 12 months

$50

Clothing

$15

$150 OR $20/ month x 12 months

$50

Clothing

$15

$150 OR $20/ month x 12 months

$50

Clothing

$15

$150 OR $20/ month x 12 months

$50

Clothing

$15

$150 OR $20/ month x 12 months

$50

Clothing

$15

$150 OR $20/ month x 12 months

$50

Clothing

$15

$150 OR $20/ month x 12 months

$50

Clothing

$15

Page 12

Lesson 1: Introduction to Budgeting

$400 OR $50/ month x 12 months

$200 OR $25/ month x 12 months

$15

$400 OR $50/ month x 12 months

$200 OR $25/ month x 12 months

$15

$400 OR $50/ month x 12 months

$200 OR $25/ month x 12 months

$15

$400 OR $50/ month x 12 months

$200 OR $25/ month x 12 months

$15

$400 OR $50/ month x 12 months

$200 OR $25/ month x 12 months

$15

$400 OR $50/ month x 12 months

$200 OR $25/ month x 12 months

$15

$400 OR $50/ month x 12 months

$200 OR $25/ month x 12 months

$15

$400 OR $50/ month x 12 months

$200 OR $25/ month x 12 months

$15

Page 13

Lesson 1: Introduction to Budgeting

Visual Aid 1.3: Picture of Empty House

Page 14

Lesson 2: Making a Family Budget Part 1

Visual Aid 2.1: Budget Poster: The Four

Budget Steps

Step 1: Calculate our net income.

Total Income – Income Expenses = Net Income

Step 2: Calculate our needs.

Normal Monthly Expenses &

Other Expenses (don’t forget to include miscellaneous expenses)

Step 3: Calculate the difference.

Net Income – Normal Expenses – Other expenses = Total

Step 4: Use the remainder wisely.

Five Ways: ➢ Saving ➢ Investing ➢ Giving ➢ Spending on ‘Wants’ ➢ Specific Savings

Page 15

Lesson 2: Making a Family Budget Part 1

Visual Aid 2.2: Needs and Wants

Picture Cards

Animal Feed

Basic Food

Bicycle

School Books

Page 16

Lesson 2: Making a Family Budget Part 1

Coca Cola

Electricity

Fan

Fridge

Page 17

Lesson 2: Making a Family Budget Part 1

Gas

Good Meal

Medicine

Motorbike

Page 18

Lesson 2: Making a Family Budget Part 1

Newspaper

New Frying Pan

Oil Lamp

Radio

Page 19

Lesson 2: Making a Family Budget Part 1

School Fees

Seed for Planting

Tools

TV

Page 20

Lesson 2: Making a Family Budget Part 1

Uniform

Wardrobe

Water

Page 21

Lesson 4: Understanding How to Use Money

Visual Aid 4.1: Ways of Using Money

Consume

Store

Page 22

Lesson 4: Understanding How to Use Money

Invest

Give

Page 23

Lesson 4: Understanding How to Use Money

Visual Aid 4.2: Rich Man, Poor Man

Game Cards

PRINTING & CUTTING INSTRUCTIONS Page 24 – print 1 copy and cut apart Page 25 – print 8 copies and cut apart Page 26 – print 4 copies and cut apart Page 27 – print 4 copies and cut apart Page 28 – print 5 copies and cut apart

Page 24

Lesson 4: Understanding How to Use Money

HEALTH HEALTH

HEALTH HEALTH

HEALTH HEALTH

HEALTH HEALTH

HEALTH SICKNESS

Page 25

Lesson 4: Understanding How to Use Money

SCHOOLING CHILD

1

SCHOOLING CHILD

2

SCHOOLING CHILD

3

SCHOOLING CHILD

1

SCHOOLING CHILD

2

SCHOOLING CHILD

3

SCHOOLING CHILD

1

SCHOOLING CHILD

2

SCHOOLING CHILD

3

SCHOOLING CHILD

1

SCHOOLING CHILD

2

SCHOOLING CHILD

3

Page 26

Lesson 4: Understanding How to Use Money

SCHOOLING COMPLETE

CHILD

1

SCHOOLING COMPLETE

CHILD

2

SCHOOLING COMPLETE

CHILD

3

SCHOOLING COMPLETE

CHILD

1

SCHOOLING COMPLETE

CHILD

2

SCHOOLING COMPLETE

CHILD

3

Page 27

Lesson 4: Understanding How to Use Money

Investm

en

t: Sew

ing

Mach

ine

Investm

en

t:

Go

at

Investm

en

t: Sew

ing

Mach

ine

Investm

en

t:

Go

at

Investm

en

t: Tractor

Investm

en

t: Tractor

Page 28

Lesson 4: Understanding How to Use Money

Stereo

Bicycle

TV

Roof Repair

Toilet

Sofa

Page 29

Lesson 5: Making a Family Budget Part 3

Visual Aid 5: Five ways of using money

Saving

Investing

Page 30

Lesson 5: Making a Family Budget Part 3

Giving

Spending on ‘Wants’

Page 31

Lesson 5: Making a Family Budget Part 3

Specific Savings

Page 32

Lesson 6: Managing the Money

Visual Aid 6.1: Expense Labels

Cut out these labels in advance of the lesson (only 1 set is required).

Income Expenses

Normal Monthly Expenses

Other Expenses

Family Fund

Page 33

Lesson 6: Managing the Money

Visual Aid 6.2: Example Envelopes Prepare 1 set of these examples below – 1 label per envelope.

A: The six initial expense category sorting envelopes

Income Expenses 548 per year

School Expenses 45 per year

Repairs 25 per year

Clothing 30 per year

Monthly Expenses 114 per month

Miscellaneous 10 per year

B: Keep these five separate as the ‘additional per month’ envelopes

Tithing 12 per month

Food 60 per month

Electricity and Water 7 per month

School 5 per month

Remaining monthly 60 per month

C: Keep these five separate as the ‘excess’ envelopes

Saving 5 per year

Giving 5 per year

Investing 10 per year

Wants 3 per year

Specific Saving 11 per year

Page 34

Lesson 7: Are We Making Money?

Visual Aid 7: Farm with lots of crops