Spending WORKSHEET 1

Spending Worksheet 1: Understanding Spending Decisions

Help students build stronger money awareness with this practical worksheet from the Spending book in the Marshmallow Money series.

This first worksheet helps learners explore what influences spending decisions in everyday life. Through needs vs wants activities, consumer scenarios, matching tasks, and reflective questions, students begin to recognise the hidden forces that shape how people spend money.

Students will explore:

• The difference between needs and wants
• Advertising, social media, and peer pressure
• Mood spending and impulse buying
• Scarcity and urgency marketing tactics
• Invisible spending and why small purchases add up over time

Includes:

• Student worksheet activities and scenarios
• Teacher solutions and assessment guidance
• Ideal for classroom discussion, independent learning, wellbeing programs, or homeschool use

Designed to be used alongside Spending from the Marshmallow Money book series.

Format: Digital PDF download