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Session 2: Earning Money

Financial Well-being Workbook

This session explains different ways of earning income, including jobs, salaries, stipends, and payslips. Learners understand how money comes in and why it is important to track earnings.

Part 2: Earning Money

Financial Well-being Workbook Session 2: Earning Money

Before we start Money does not appear by itself. It comes from work, skills, time, and effort. Some people earn a salary. Some get a stipend. Some earn daily wages. Some may do small jobs or freelance work. Whatever the source, money usually comes because of s...

Session 3: Making a Budget

Financial Well-being Workbook

Learners practice planning monthly spending based on income. The session highlights how to balance expenses, avoid overspending, and create a simple budget that works in real life.

Session 3: Making a Budget

Financial Well-being Workbook Session 3: Making a Budget

Before we start In Session 1, we learned about earning money. Now let us see how to use that money wisely. A budget is a simple plan for money. It helps us decide in advance where our money should go, so that we are not left wondering where it all went at the ...

Session 4: Saving and Growing Money

Financial Well-being Workbook

This session introduces savings options like bank accounts, SIPs, and mutual funds. Learners discover how compounding helps money grow over time and why saving regularly builds security.

Session 4: Saving and Growing Money

Financial Well-being Workbook Session 4: Saving and Growing Money

Before we start In Session 3, we made a budget. We saw that some money should go into savings every month. Now let us ask a more interesting question. Once we save money, what can we actually do with it? Can it grow on its own? The answer is yes. And this sess...

Session 5: Money in Real Life

Financial Well-being Workbook

Learners connect financial skills to everyday situations. The session covers digital safety, fraud awareness, and guides them to create a final personal money plan for independent living.

Session 5: Money in Real Life

Financial Well-being Workbook Session 5: Money in Real Life

Before we start In the last four sessions, we learned about needs and wants, earning money, making a budget, saving, SIP, mutual funds, and compounding. Now let us bring everything together. Money is not just about numbers on paper. It is also about the choice...

Sight Words

Spoken English

This worksheet helps learners practice common sight words that are used in everyday sentences. In Part 1, learners fill in blanks with words like this, these, those, he, she, it, and they to build simple sentences. In Part 2, they match words to the correct se...

Sight Words

Spoken English Sight Words

Part 1: Fill in the Blanks Choose the correct word from the box: this, these, those, that, he, she, it, they, and them     1. ________ is my book. 2. ________ are my shoes. 3. Look at ________ stars in the sky. 4. I like ________ ice cream. 5. ________ is my b...

WH Question and Answers

Spoken English

This worksheet helps learners practice using WH‑words such as what, where, when, who, why, which, and how to form questions and answers. In Part 1, learners fill in blanks and respond to everyday questions to build confidence in speaking. In Part 2, they match...

WH Question and Answers

Spoken English WH Question and Answers

Part 1: Fill in the Blanks Choose the correct WH-word: what, where, when, who, why, which, how     1. ________ is your name? 2. ________ are you going? 3. ________ is your favorite color? 4. ________ teaches you English? 5. ________ do you live? 6. ________ is...

Present Tense

Spoken English

This worksheet helps learners practice using the present tense in everyday communication. In Part 1, learners speak simple sentences aloud with a partner to build fluency and confidence. In Part 2, they fill in blanks with the correct present tense form of ver...

Present Tense

Spoken English Present Tense

Part 1: Speaking Practice 🎤 Say these aloud with your partner: "I go to school every day." "He plays cricket." "She reads a story." "They watch cartoons." "We eat dinner together." Part 2: Fill in the Blanks Use the correct present tense form of the verb in br...

Perfect Tenses

Spoken English

This worksheet helps learners practice using perfect tenses in English. In Part 1, they choose the correct verb forms for sentences in present perfect, past perfect, and continuous perfect tenses. In Part 2, they make their own sentences using given words, app...

Perfect Tenses

Spoken English Perfect Tenses

Choose the correct option:     1. She ________ (work) in this company for five years.   a) has worked   b) had worked   c) has been working 2. He ________ (complete) the project before the deadline.   a) has completed   b) had completed   c) has been completin...

Past Tense

Spoken English

This worksheet helps learners practice using the past tense to talk about actions that have already happened. In Part 1, learners speak simple sentences aloud with a partner to build fluency. In Part 2, they fill in blanks with the correct past tense forms of ...

Past Tense

Spoken English Past Tense

Part 1: Speaking Practice 🎤 Say these aloud with your partner: "I went to school yesterday." "He played cricket last Sunday." "She read a story last night." "They watched cartoons yesterday." "We ate dinner together." Part 2: Fill in the Blanks Use the correct...