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What is delayed gratification?With long-term goals, you must be willing to give up somethingyou want now to get something better/bigger in the future. Thisis called delayed gratification e.g. curbing domestic expenditureand entertainment in order to buy a car 6 months later or ayear later.What is instant gratification?To buy something as soon as you feel the need for it is calledinstant gratification. Look at a shirt on the display in the showcasein a mall and buy it on an impulse.What is opportunity cost?Opportunity cost is what you give up every time you makea choice. Resources are limited and wants are endless. Thereis no way we can have it all. So each choice to buy somethingis also a choice to give up something.Why can't my son/daughter learn about budgeting in school?Most children learn about managing money at home, from theirfamilies. We found out that 60% of school children learnt personalfinance at home. Parents make a difference when they thinkof themselves as their child's financial fitness personal trainers!Why does my child need to learn about budgeting so earlyin life?Knowing the art of budgeting helps a person develop economicway of thinking and problem solving. They can use this knowledgein their lives as consumers, savers, responsible members ofthe family and in future as investors, responsible professionals,citizens and well-equipped participants in the global economy.How can we participate as a family? How will it help?You can involve your children in financial decision-making. Letthem know how you draw a budget and how do you decidehow much money do you allot towards a particular area ofexpenditure. This will result in the child not only understandingand participating in the family budget but also in becomingmore sensitive to the position of the parents when they denya particular demand of the child. Children will also be ableto empathize with their parents in a better way and appreciatethe value of hard-work and money.How can I/we help?You can encourage your child to participate in the family budgetand explain to him/her the allocation of funds. When your childasks for something expensive, rather than giving it away instantly,110
encourage him to draw up a budget and try to save at leasta part of the amount. This inculcates a financial disciplinethat is desirable in a responsible family member.ACTIVITY 1Discuss amongst the family members and draw a list of 10items of expenditure where you can exactly predict the amountthat you will spend in a month.ACTIVITY 2 - The Deadly Demand SagaMr. and Mrs. Grover are worried and wondering how will theymeet the demands of the family. They have to buy a silk quiltas a birthday gift for Mr. Grover’s father. Sweta, their daughterwants a scooter. Ravi, their son wants a cricket set, Kantabai, their domestic help has made a demand of Rs.2000/- asadvance for her son’s marriage. Mrs. Grover wants to go fora vacation and Mr. Grover wants to get their house painted.Along with the entire family, consider each of these demandsin the Grover household and discuss amongst yourselves asto what demands will get a delayed gratification and which111
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SESSION IMONEY MATTERS: SMART GOALS
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Reworking required in Sachin's budg
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QRIOSITYTheory-WiseDeficit: Deficit
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Theory-WiseOpportunity cost: Opport
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Space for working out the Verma fam
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QRIOSITYA Lemony surpriseOnce upon
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2. Live it up!!!!What do you think
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PLACE TO BANK ON!!!Bunty has got hi
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oard, 2 ashrafis for the second, 4
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THE GUITAR FEVERDarius is 13 and ha
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Notes:_____________________________
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Q-RIOSITYThis is also a Bank, but c
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Payee: ____________________________
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Manager: Good morning. What kind of
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How to open a Savings Bank Account
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A BIRD’S EYE VIEW OF A COMMERCIAL
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SECRET PIN (Sample Copy)42
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DEMAND DRAFT REQUISITION FORM (Samp
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Can you guess what this is?________
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SMART PREVIEWStock MarketStock Exch
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QRIOSITYCan you identify this build
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Now, answer the following questions
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Theory-WiseSecurities are financial
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10. Sensex:________________________
Page 56 and 57: 16. Demat Account:_________________
Page 58 and 59: Group: ____________________________
Page 60 and 61: N. Gas: ___________________________
Page 62 and 63: SMART PREVIEWMutual fundsInvesting
Page 64 and 65: QRIOSITYThe triangle of investmentl
Page 66 and 67: And ultimately they decided to call
Page 68 and 69: MUTUAL FUNDS : CHOICES GALOREMr. Ma
Page 70 and 71: EUREKA'S SOLUTIONSMr. Eureka, the f
Page 72 and 73: Mr. Eureka’s assistant explains:_
Page 74 and 75: 7. Mr. Roshan Vesuwala: About 30 ye
Page 76 and 77: freelance fashion designer. Mr. Vis
Page 78 and 79: SMART PREVIEWIn the next class we s
Page 80 and 81: Q-RIOSITY“One that goes a - borro
Page 82 and 83: COST OF BORROWINGFollowing are thre
Page 84 and 85: What is Reducing Balance Method of
Page 86 and 87: 5. Keep a list of all your card num
Page 88 and 89: • Personal Loan• Education Loan
Page 90 and 91: QRIOSITYRead the following statemen
Page 92 and 93: Sunny’s Need/Want Analysis and Sa
Page 94 and 95: What do you think is the solution t
Page 96 and 97: What can you say from the above tab
Page 98 and 99: Will Sunny be able to repay his loa
Page 100 and 101: 3. Market regulators and institutio
Page 102 and 103: tivities and help them understand o
Page 104 and 105: ACTIVITY 3Advantage Maxima!! - The
Page 108 and 109: ones instant gratification. Provide
Page 110 and 111: SESSION 3INVESTMENT : NURTURING THE
Page 112 and 113: INVESTMENT MANTRAS:Money grows with
Page 114 and 115: SESSION 4BASICS OF BANKINGDear Pare
Page 116 and 117: SESSION 5STALKING THE STOCKSDear Pa
Page 118 and 119: A SHARED FAMILY ACTIVITYWhether you
Page 120 and 121: ACTIVITY 2Here is a summary of the
Page 122 and 123: SESSION 6INVESTMENTS : THE WIDER SP
Page 124 and 125: ACTIVITY 2Here is a table, which wh
Page 126 and 127: SESSION 7BEYOND SAVINGS : BORROWING
Page 128 and 129: SESSION 8THE FINAL COUNTDOWNDear Pa
Page 130 and 131: ACTIVITY 1The entire family must si
Page 132 and 133: • The long-term maturity will all
Page 134 and 135: ACTIVITY 3A few Points to ponder wi
Page 136 and 137: TABLE 2Prioritize the factors that
Page 138 and 139: ACTIVITY 3MINI QUIZ1. The interest
Page 140 and 141: Money maxims
Page 142 and 143: Smart Money FundaeAs children why s
Page 144 and 145: Smart Money FundaeRequirements for
Page 146 and 147: Smart Money Glossary Crossing: 'Two
Page 148 and 149: Smart Money TipsTips for saving:•
Page 150 and 151: Smart Money TipsYou can earn too!!
Page 152 and 153: Smart Money Glossary Bull: The term
Page 154 and 155: Smart Money Glossary Company Fixed
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Smart Money Glossary Mutual Fund: A
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Smart Money Glossary Debt Fund: A m
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Smart Money Glossary Pure risk or T
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www.rediff.com/getahead/money.htmlw
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Credit Card Terms:1. Total Amount D
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3. Banks are guided by Reserve Bank
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