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Personal Money Management Basics

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Personal Money Management Basics

Read the scenario and use the budget table to answer each question. All amounts are in New Zealand dollars (NZ$). Show your working for calculations.

Ruben’s weekly money plan

Ruben receives NZ$24 each week from regular chores. She wants to save for a NZ$72 sports bag, due in six weeks. She plans to set aside NZ$12 for savings, NZ$7 for lunch and bus top-ups, and NZ$5 for optional treats.

Category

Amount per week

Savings

NZ$12

Needs: lunch and bus top-ups

NZ$7

Wants: optional treats

NZ$5

Total

NZ$24

1.Which planned costs are needs and which are wants? Explain why Ruben might treat bus top-ups as a need but optional treats as a want.

2.Check the budget total. Add the savings, needs and wants amounts. Does Ruben’s plan use exactly NZ$24?

3.What percentage of Ruben’s weekly money does she plan to save? Show how you calculate it.

4.At NZ$12 saved each week, how much will Ruben have saved after six weeks? Will this be enough for the NZ$72 sports bag?

5.Ruben spends NZ$3 of her planned NZ$5 on treats one week. How much of her wants budget remains?

6.Ruben is invited to a movie and ticket plus transport will cost NZ$14. She has NZ$2 left in her weekly wants budget. What is one sensible money choice she could make, and why?

7.True or false: If Ruben has money left after buying her planned needs, she must spend it straight away. Give one reason for your answer.

TrueFalse

8.Ruben’s weekly income drops to NZ$20, but she still wants to save NZ$12 and spend NZ$7 on needs. How much can she budget for wants now?

9.Ruben sees a message claiming she has won NZ$500, but it asks her to share her bank login and password to receive the prize. What should she do, and what makes the message suspicious?

10.Complete this budget rule: Income − planned spending − planned saving = . Use the rule to explain what Ruben should do if her total planned spending and saving are greater than her income.

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