💰 Part 1: Saving or Spending?

Read each story. Circle if the person is SAVING or SPENDING money.

1. Emma got $5 for helping her mom. She put it in her piggy bank to buy a bike later.

Saving

Spending

2. Jake had $10 and used it to buy a new toy car at the store.

Saving

Spending

3. Maria received $8 for her birthday and put it in her savings jar.

Saving

Spending

4. Alex bought candy with his $3 allowance money.

Saving

Spending

🏦 Part 2: Deposit or Withdrawal?

Read each story. Circle if it is a DEPOSIT (putting money in) or WITHDRAWAL (taking money out).

5. Sarah took $15 out of her savings account to buy a book.

Deposit

Withdrawal

6. Tommy put $12 into his bank account.

Deposit

Withdrawal

7. Lisa added her $6 allowance to her piggy bank.

Deposit

Withdrawal

8. Ben got $20 out of his savings to buy a gift for his sister.

Deposit

Withdrawal

🤝 Part 3: Borrowing and Lending

Read the story. Answer the questions below.

9. Story: Maya has $30. Her friend Sam wants a $20 video game but only has $5. Sam asks Maya for $15 and promises to pay her back next week. Sam gets $10 allowance every week.

Who is the borrower? ____________________

Who is the lender? ____________________

10. Is this a responsible borrowing decision? Circle your answer:

Yes, it's responsible

No, it's not responsible

11. Explain why you think it's responsible or not responsible:

💭 Part 4: Your Money Decisions

12. Write one example of saving money:

13. Write one example of spending money:

14. If your friend wanted to borrow $5 from you, what would you want to know before deciding? Check all that apply:

When will they pay me back?

What do they need the money for?

Do they have money coming in soon?

Have they paid me back before?

15. Draw a picture of yourself making a good money decision:

Money Decisions Worksheet

Money Decisions Worksheet

💰 Part 1: Saving or Spending?

🏦 Part 2: Deposit or Withdrawal?

🤝 Part 3: Borrowing and Lending

💭 Part 4: Your Money Decisions

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