Activity points

Carly’s story – In for a Penny, in for a Pound

1. Technology costs

(page 15) 

Further activities:

• Summarise the information you would find on a mobile phone contract and hand it out to your group and discuss.
• Carry out an exercise comparing mobile phone options using the mobile phone activity sheet.
• There is relevant information from the suggested web site links:
  Money Saving Expert
  Office of Fair Trading - Skilled To Go
• This is also an appropriate time for your group to carry out some of the purchasing activities

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2. Keeping up appearances

(page 23)

Further activities: 

• You could use the activity sheets living costs and budgeting (copy and hand out as appropriate) and/or provide further information and activities from the suggested web site link:
  The Money Advice Service

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3. APR and interest

(page 33)

Further activities:

• Refer to or use the example numeracy activities from the suggested web site link: BBC Skillswise

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4. Good debt/bad debt?

(page 40)

Further activities:

• For further information on budgeting and credit, or for exercises that work out credit ratings and percentages, have a look at:
  Young Scot - Money and
  BBC Skillswise

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5. Lottery or kitty?

(page 49)

Further activities:

• You could use the activity sheet to help record saving plans and refer to the suggested web site link about saving stamps and pre-paid meters:
  Citizens Advice - Consumer Affairs

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6. What should Carly do?

(page 53)

Further activities:

Consequences:

• Carry out an activity where your group collectively chooses an ending for Carly and writes a piece about what happens to her in 6 months time. You can also use the resource ‘comic life’ as an approach for your group to continue the story - Comic Life  
• Provide copies of the budgeting sheet for your group to create a budget for Carly.
• Finish by creating a goal setting activity for Carly.
• Refer to the Legal Services Commission website for further information about support and legal advice around debt and provide information to your group, as appropriate. 

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Jamie’s story – The Other Side of the Coin

7. Need or want?

(page 65)

Further activities:

• This is an appropriate time for your group to carry out the purchasing activities
• You could use the activity sheet to help record saving plans and refer to the suggested web site link: Money Savng Expert.
• You could use the activity sheets living costs and budgeting (copy and hand out as appropriate) and/or provide further information and activities from the suggested web site link:
  The Money Advice Service

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8. Income from?

(page 72)

Further activities:

• Enable your group to produce a piece of writing and/or use Comic Life to describe how Tam spent his winnings, saved them, and lost them? You can use the activity sheet Tam’s fortune.
• Link your discussions to a budgeting activity and the activity income from?
• Refer to information about employment on the Young Scot website. List the lifestyle negatives and benefits and financial gains and pitfalls of both self employment and waged employment.
  Young Scot - Money

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9. What are the odds really?

(page 75) 

Further activities:

• Work out the odds of winning the lottery.
• You could use the activity sheet debt smashing strategy to work out debt repayments.
• Carry out an exercise to work out interest payments for borrowing money and actual amounts that need to be paid back.
• Refer to activities found on the suggested web site BBC Skillswise for numeracy percentage exercises and further support.

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10. What’s in a wallet?

(page 83)

Further activities:

• Carry out an exercise using the living costs sheet to work out Jamie’s living costs.
• Carry out a ‘money-off voucher’ exercise working out % savings using the numeracy exercises from BBC Skillswise.
• Create an exercise using the budgeting sheets. Ask your group to fill in two budget sheets, one where Jamie includes all his ‘down-time habits’ and one where he uses the money to invest in his future business.
• Also use the purchasing activities. NB. Money-off vouchers are available on the internet.

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11. What should Jamie do?

(page 95)

Further activities:

Consequences:

• Carry out an activity where your group collectively chooses an ending for Jamie and writes a piece about what happens to him in 6 months time. You can also use the resource Comic Life as an approach for your group to continue the story.
• Carry out the activity income from.
• Provide copies of the budgeting sheet for your group to create a budget for Jamie.
• Finish by creating a goal setting activity for Jamie.

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