"DIFFICULTY" CARDS

• Give each group a difficulty map. Explain how to solve the difficulty. This should take approximately 10 minutes.
• Talk to groups to answer any questions they may have. Then, ask each group to share their problem and ideas for solving it. If needed, improve the students' presentation by correcting or adding to it.

ANSWERS TO THE GAME

1.     I don't want to think about money all the time:

o  To avoid constantly thinking about money, set aside a specific time each week to manage your finances.

o  Plan for the upcoming weeks or months and stick to your plan.

o  Without a plan, uncertainty about having enough money can lead to constant worry.

o  Instead of complaining about problems, focus on finding solutions.

2.     I lack organizational skills. 

o  To improve, start by developing a habit, such as writing down expenses.

o  Gradually add more tasks, such as creating a weekly budget, a monthly budget, and a list of savings goals.

o  Establish a routine for these tasks.

o  Additionally, organize other aspects of your life, such as tidying up your belongings, scheduling, and studying before exams.

o  Observe if being better organized has beneficial effects for you.

o  This includes less time wasted looking for things that are out of order, less stress from running out of money, and a sense of inner peace.

3.     It's too much work; I don't have time

o  Set a specific day and time each week to compile your expenses and income and create your budget.

o  Treat it as your 'money date' and use a calculator or computer to update your budget quickly.

o  Focus on the benefits of doing so, such as less stress and more control.

o   At the end of the day, saving time is the main benefit of this practice. It eliminates the need to search for money when you run out, and the more frequently you do it, the easier it becomes.

• I'm not good at math:

o  I struggle with math, but budgeting can be fun if you treat it like a game.

o  Add colors to your budget to make it more enjoyable and less like a math exercise.

o   Remember, you can always adjust and modify your expenses in your budget, unlike in a store.

o  Try to focus on what you need and prioritize those items

o  Updating your budget regularly will make it easier.

• The list is too long: it's too hard to choose: 

o  When faced with a long list of options, it can be challenging to choose. 

o  However, since money is limited, you must make a choice.

o  Think at home and make a list of your future expenses.

o  Remember to include everything from food and rent to special occasions like New Year's Eve, bike repairs, and books for studies.

o  Prioritize what is most important to you.

o  Use envelopes to ensure you are sticking to your budget.

• I prefer today to tomorrow:

o  However, for many aspects of life, such as studying, job searching, and maintaining a healthy diet, it is important to prepare for the future.

o  This includes saving money for bills and emergencies. Keep a list of your savings goals to stay motivated.

Write down your budget and save. Stay motivated. If you don't manage your money, others will manage it for you, such as shops.