Spending WORKSHEET 3

Spending Worksheet 3: Personalising your spending habits

Help students build self-awareness and stronger money habits with this reflective worksheet from the Spending book in the Marshmallow Money series.

This third worksheet encourages learners to explore their own spending behaviour, personal triggers, habits, and decision-making patterns. Through reflection, self-assessment, and practical behaviour design activities, students begin to understand not just what they spend money on—but why.

Students will explore:

• Their recent spending choices and patterns
• Needs vs wants in their own life
• Personal spending triggers such as boredom, stress, friends, sales, or social media
• Habits that help or hurt their financial goals
• Identity-based money habits and behaviour change
• Creating personal spending rules for smarter decision-making

Includes:

• Student self-reflection and habit-building activities
• Teacher guidance focused on reflection and behavioural awareness
• Ideal for classroom discussion, wellbeing programs, independent learning, or homeschool use

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

Format: Digital PDF download