Family

The Money Talk: Game 5 "Borrowing"

Discover this game and learn about the concept of borrowing with a playful spot-the-difference picture hunt game.

Game #5: Look closely! Harry needs your help

This is Harry. He has lots of pretty clothes, and he’s also very generous. His friend Ralph is going to a fancy party and wants to wear something extra special, so he asks Harry if he can borrow some of his clothes. Harry says ummm…sure! Thanks, Harry! The only problem is Harry has a bad memory and can’t remember what Ralph borrowed. Uh oh!

Can you help?

What you'll need:

Step 1: Study the picture

Ralph is going to a fancy party, and he’s going to borrow something nice from Harry. Look close, and try to remember everything Harry is wearing.

Step 2: What's missing?

Uh oh, something is missing! But what? Can you help Harry remember what Ralph borrowed?


Borrowing certainly has a place in money management: it’s a way of being able to buy something today that would otherwise be out of reach. For this activity, we’ll introduce the concept of borrowing in a very simple way. A spot the difference picture game where kids are presented two nearly identical pictures and are challenged to spot which items have been “borrowed”.

What did we learn?

In this activity we learned that we borrow things that we don’t have ourselves. It can be very easy to borrow something, but it’s also easy to forget we did! Debt and borrowing money may not be easy topics to discuss, but the conversations can be important ones. Let’s use this exercise as a way to talk about borrowing in the broader sense.

Questions and topics to kickstart the conversation with your kids

Q: What’s something you’ve borrowed this week?

How long did you borrow it for? Do you still have it? When do you have to return it?

Q: Borrowing for needs vs wants.

If we borrow too much for things we don’t need we can borrow too much. What happens when you borrow too much?

Did you know?

When children receive pocket money, they are more likely to develop strong financial planning skills later in life, including having more control over their spending, and less likely to be overdrawn.

Real life challenge

Give your child an opportunity to experience borrowing money in real life. Next time your child wants a new toy or treat, offer to pay for it, as long as they pay you back. Create inventive ways for them to pay you. Vacuuming, walking the dogs, doing the dishes etc..

Thank you!

Thanks for taking the time to have the Money Talk with your kids and helping them take their first steps towards a financially healthy future. After completing all 5 activities, print off this certificate of completion (boys - girls) and reward your child for a job well done!

What is the Money Talk?

Do you need it or just want it? What does it mean to earn money? Why do we borrow money? And why are advertisements not always as good as they seem? The Money Talk game is developed by ING's partner 'the Think Forward Initiative', designed to get kids curious, asking questions, and start the conversation about money.

Think Forward Initiative’s mission is to empower people to make better financial decisions. This includes kids! One of the most promising methods to teach children about money is to talk and practice. By giving them the right tools and support, they’ll develop the capability to make financially sound decisions later on in life.*

So, set aside a little time to play Money Talks, a game for parents and kids to laugh, learn and play their way to financial understanding.

Ready to play?