(Objective 3: Practice balancing personal income and expenses.)

• Instructor Materials: Small Change Adds Up Strategy Cards
• Handout 9: Small Change Adds Up Playing Board

Divide the class into groups of three or four people. Give each group a set of Small Change Adds Up Strategy Cards and a Small Change Adds Up Playing Board. Taking turns, members of each group will draw a card and read the strategy to their group.

Together members decide if the strategy is something they already do, will try to do, or is not practical for them. The card is then placed on the board accordingly. Allow 5-7 minutes for this phase of the exercise.

For the larger discussion, have each group share one strategy they are already using and one they will try to use. Ask for suggestions for additional strategies.