🎤 Say to the class:
"Welcome back! Today we're going to talk about something really smart — saving money and spending wisely. Being good with money isn't just about working hard to earn it. It's also about making clever choices with what you already have."
"We'll start with a famous experiment, then look at some real-life situations where smart choices can save you money. Ready? Let's go!"
The Big Idea
Save Now, Gain Later 💡
PATIENT SAVER
Waits, thinks, and chooses the smarter option
INSTANT SPENDER
Gets it now — but might miss out on something better
⭐ ⭐ ⭐
🔬
Famous Experiment
The Marshmallow Test
Can you learn to wait for something better? 🤔
Imagine a scientist puts one marshmallow on the table in front of you. ☁️
She says: "You can eat this NOW… OR wait 15 minutes, and I'll give you TWO marshmallows."
Then she leaves the room. What do you do? 🤔
She says: "You can eat this NOW… OR wait 15 minutes, and I'll give you TWO marshmallows."
Then she leaves the room. What do you do? 🤔
☁️
Eat NOW
= 1 marshmallow
= 1 marshmallow
VS
☁️☁️
Wait 15 min
= 2 marshmallows
= 2 marshmallows
😤Wait & resist
→
⏳15 minutes pass
→
🎉Get DOUBLE!
🤔 What would YOU do? Eat the 1 marshmallow now, or wait for 2?
✅ Waiting gets you MORE! This experiment showed that kids who learn to wait often make better decisions in life. The big lesson is simple: if you wait, you can get something better later! Smart savers use this idea every single day. 💪☁️☁️
Smart Spending Choices 🛒
Now let's look at real situations. In each one, there are two choices. Which one saves the most money? Let's find out!
Luca's shoes are getting old — but they still work fine. 👞
He sees new trainers for 600 NOK today.
His mum tells him: "Wait for the summer sale — they'll be 50% off!"
Luca really wants them now.
He sees new trainers for 600 NOK today.
His mum tells him: "Wait for the summer sale — they'll be 50% off!"
Luca really wants them now.
🤔 Should Luca buy now or wait for the sale?
✅ Waiting for the sale is smarter! 50% off 600 NOK = 300 NOK saved! Luca would pay only 300 NOK instead — that's half the price! Since his shoes still work, he doesn't urgently need new ones — so waiting is the smart choice. 🏷️ Sales are one of the best ways to spend less on the same thing! 🎉
Mia loves juice! She drinks one glass every week. 🧃
At the corner shop, one small bottle costs 24 NOK.
At the supermarket, a big box of 12 bottles costs 144 NOK (that's only 12 NOK per bottle).
Mia's mum says she can choose.
At the corner shop, one small bottle costs 24 NOK.
At the supermarket, a big box of 12 bottles costs 144 NOK (that's only 12 NOK per bottle).
Mia's mum says she can choose.
🤔 Which is the smarter buy?
✅ Buying in bulk saves money! 12 bottles at the shop would cost 12 × 24 NOK = 288 NOK. Buying the box costs only 144 NOK — that's just 12 NOK per bottle instead of 24 NOK. Half the price! That's 144 NOK saved overall! 🎉 Buying more at once often costs less per item. This is called buying in bulk! 🛒💡
Finn wants a bicycle! 🚴♂️
A brand-new bike at the shop costs 2 000 NOK.
His dad shows him a second-hand bicycle on Finn.no for just 1 000 NOK — same size, works perfectly, just a bit older. 🔧
Finn isn't sure. He likes the idea of something new and shiny.
A brand-new bike at the shop costs 2 000 NOK.
His dad shows him a second-hand bicycle on Finn.no for just 1 000 NOK — same size, works perfectly, just a bit older. 🔧
Finn isn't sure. He likes the idea of something new and shiny.
🤔 Which bicycle should Finn choose?
✅ The second-hand bike saves 1 000 NOK — that's half the price! A bike still takes you to the same places whether it's new or second-hand. 🚲 Buying used is a great money habit — and it's also good for the planet! ♻️🌍 Finn can save the 1 000 NOK difference for something else, or put it in his savings! 💰
Every Friday is taco Friday in Lars's family! 🎉
His parents always order ready-made tacos from the shop — it costs 200 NOK per person. For a family of 4, that's 800 NOK every Friday. 🛒
At school, Lars learned that buying fresh ingredients and cooking at home costs only 80 NOK per person — just 320 NOK for the whole family! 🧅🥩🧀
Lars wants to tell his parents: cooking tacos at home is cheaper, healthier, and more fun! 👨🍳
His parents always order ready-made tacos from the shop — it costs 200 NOK per person. For a family of 4, that's 800 NOK every Friday. 🛒
At school, Lars learned that buying fresh ingredients and cooking at home costs only 80 NOK per person — just 320 NOK for the whole family! 🧅🥩🧀
Lars wants to tell his parents: cooking tacos at home is cheaper, healthier, and more fun! 👨🍳
🛍️
Takeaway taco
200 NOK
per person
200 NOK
per person
VS
🥩🧅🧀
Home cooked
80 NOK
per person
80 NOK
per person
👨👩👧👦 Family of 4 every Friday:
Takeaway: 4 × 200 NOK = 800 NOK · Home cooked: 4 × 80 NOK = 320 NOK
Takeaway: 4 × 200 NOK = 800 NOK · Home cooked: 4 × 80 NOK = 320 NOK
🤔 What should Lars tell his parents to do?
✅ Lars is right — homemade tacos win!
Ordering takeaway costs 800 NOK for the family every Friday. Cooking at home costs only 320 NOK — saving 480 NOK every Friday! 🎉
And cooking together is cheaper 💰, healthier 🥗 (less salt and additives), and more fun 👨🍳. Sometimes the smartest money choice is also the most enjoyable one. 🌮🎉
Ordering takeaway costs 800 NOK for the family every Friday. Cooking at home costs only 320 NOK — saving 480 NOK every Friday! 🎉
And cooking together is cheaper 💰, healthier 🥗 (less salt and additives), and more fun 👨🍳. Sometimes the smartest money choice is also the most enjoyable one. 🌮🎉
Ivan just moved to Norway with his family. 🇳🇴
Back home, tap water wasn't always safe to drink — so his parents are used to buying plastic water bottles. Every day they buy Ivan one bottle for school: 20 NOK each. That's just what they've always done. 🧴
At school, Ivan learns something surprising: Norwegian tap water is some of the cleanest and tastiest in the world! 🏔️💧 You can drink it straight from the tap — for free.
He also learns that a good metal water bottle costs 250 NOK. That sounds expensive at first — but it lasts many years and you fill it from the tap every day for free. 🍶
Ivan wants to go home and explain this to his parents.
Back home, tap water wasn't always safe to drink — so his parents are used to buying plastic water bottles. Every day they buy Ivan one bottle for school: 20 NOK each. That's just what they've always done. 🧴
At school, Ivan learns something surprising: Norwegian tap water is some of the cleanest and tastiest in the world! 🏔️💧 You can drink it straight from the tap — for free.
He also learns that a good metal water bottle costs 250 NOK. That sounds expensive at first — but it lasts many years and you fill it from the tap every day for free. 🍶
Ivan wants to go home and explain this to his parents.
🧴
Plastic bottle
20 NOK/day
= 400 NOK/month
20 NOK/day
= 400 NOK/month
VS
🍶
Metal bottle
250 NOK once
lasts many years!
250 NOK once
lasts many years!
📅 20 NOK × 20 school days = 400 NOK per month on plastic bottles!
Metal bottle = 250 NOK once — filled free from the tap every day 🚰
Metal bottle = 250 NOK once — filled free from the tap every day 🚰
💰
Cheaper
Bottle paid back in 1 month!
Cheaper
Bottle paid back in 1 month!
🌍
Better for the planet
Less plastic waste
Better for the planet
Less plastic waste
🚰
Safe & tasty
Norway's tap water rocks!
Safe & tasty
Norway's tap water rocks!
🤔 What should Ivan tell his parents?
✅ Ivan is absolutely right! In Norway, tap water is free, clean, and delicious — straight from the mountains! 🏔️
Plastic bottles cost 20 NOK every day — that's 400 NOK every month! The metal bottle costs 250 NOK once — so it pays for itself in less than one month, and then saves money every single day after that. 💡
Ivan's parents didn't know this because back home, things were different. But Ivan learned it at school and brought the knowledge home — that makes Ivan a money hero! 🦸 And less plastic waste is good for our planet too. 🌍💙
Plastic bottles cost 20 NOK every day — that's 400 NOK every month! The metal bottle costs 250 NOK once — so it pays for itself in less than one month, and then saves money every single day after that. 💡
Ivan's parents didn't know this because back home, things were different. But Ivan learned it at school and brought the knowledge home — that makes Ivan a money hero! 🦸 And less plastic waste is good for our planet too. 🌍💙
You're all money stars! ⭐
☁️
Marshmallow Test
✅ Waited = got MORE
👟
Luca
✅ Waited for the sale
🍊
Mia
✅ Bought in bulk
🚲
Finn
✅ Bought second-hand
🌮
Lars
✅ Cooked at home
💧
Ivan
✅ Switched to reusable
🟢 Wait · Buy Bulk · Shop Sales · Buy Second-Hand · Cook Smart · Go Reusable = 💰 MORE SAVINGS!
Kahoot Time!
Let's test what you've learned! 🚀
Game PIN
_ _ _ _ _ _
SESSION (B)
Welcome to the second exercise of Global Money Week 2026.
Today's topic is Saving & Smart Spending. We explored how waiting for the right moment — rather than spending immediately — can make your money go much further.
We looked at the famous Marshmallow Test, which showed that patience is a superpower. Then we practised five real-life scenarios: waiting for sales, buying in bulk, choosing second-hand, cooking from scratch, and switching to reusable.
By the end of this session, you should understand that smart spenders don't always spend less — they spend better. We will close with a Kahoot quiz, so get ready!
