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A free printable book

Life skills and money for classes 3 to 5

3 lessons, each with worked examples, a try-at-home activity and a practice sheet. The practice sheets are together after the lessons, and the answer keys are at the very back.

  • Life skills and money
  • Classes 3-5
  • 3 lessons
  • 30 practice questions
  • Free to print

Contents

Free learning for kids, Gurukul Technicals Institute. Printed from engineergurukul.com/resources/kids/books/life-3-5/

Contents

What is in this book

  1. 1Saving and spending wiselyLearn the difference between needs and wants, how to compare prices, and how to save a little each week for something special.3 min
  2. 2Telling time: minutes and a.m. and p.m.Read the minute hand, say times like quarter past and half past, and know what a.m. and p.m. mean.3 min
  3. 3Helping at homeFind safe jobs you can do at home, learn why helping matters and how to do each job with care.3 min

Every lesson here can also be read on its own page, with links to related lessons. All printable books.

Lesson 1 of 3

Saving and spending wisely

Learn the difference between needs and wants, how to compare prices, and how to save a little each week for something special.

Open this lesson on its own page · Practice sheet · Answer key · Contents

Let us begin

The big idea

Money is something we must use carefully. If we spend all of it at once, we have nothing left for later. Saving a little at a time helps us reach our goals.

A need is something we must have to live and learn well, like food, water, clothes and school books. A want is something nice to have, like a new toy or a sweet.

First we spend on needs. Then, if some money is left, we can spend a little on wants.

Saving means keeping some money for later. We can keep it in a piggy bank or give it to an adult to keep safe. Savings help us when we need something big or when something unexpected happens.

Before we buy, we can compare prices. If the same notebook costs ₹25 in one shop and ₹30 in another, we can save ₹5 by choosing the cheaper one, if the quality is the same.

We can also share. Some of our money can help someone in need, always with an adult.

Dividing ₹50 pocket moneyThree boxes side by side: Spend with ₹30, Save with ₹15 and Share with ₹5. Below them it says 30 plus 15 plus 5 equals 50.Pocket money: ₹50 Spend ₹30 needs and wants Save ₹15 for later Share ₹5 to help others 30 + 15 + 5 = 50
One way to divide ₹50 pocket money. Every family can choose its own plan.

Worked examples

See how it works

  1. Saving every week

    Karan saves ₹8 every week. After 5 weeks he has 8 × 5 = ₹40.

  2. Reaching a goal

    Meera wants a ₹60 art set. She saves ₹10 every week. Weeks needed = 60 ÷ 10 = 6 weeks.

  3. Dividing pocket money

    Aman has ₹50. He plans to spend ₹30, save ₹15 and share the rest. Share = 50 - 30 - 15 = ₹5. Check: 30 + 15 + 5 = 50.

  4. Need or want?

    A school bag when the old one is torn is a need. A third toy car is a want.

Try it at home

Three boxes plan

You will need

  • Three small empty boxes or containers
  • Paper and pencil
  • Crayons

What to do

  1. Make labels for three containers: Spend, Save and Share.
  2. With an adult, decide how to divide a small amount of pocket money across the three.
  3. Draw a picture on the Save container of something you want to buy later.
  4. Each week, write how much is in each container. Watch the Save one grow.

Ask a grown-up: An adult can give the pocket money and help with sums. Keep the money in a safe place at home.

Lesson 2 of 3

Telling time: minutes and a.m. and p.m.

Read the minute hand, say times like quarter past and half past, and know what a.m. and p.m. mean.

Open this lesson on its own page · Practice sheet · Answer key · Contents

Let us begin

The big idea

You can already read the hour. Now let us learn about minutes and the clock for the whole day. Knowing the time helps us reach school, finish work and plan our day.

The short hand is the hour hand. The long hand is the minute hand. When the minute hand points at 12, it is an o'clock time. At 3 it is a quarter past, at 6 it is half past, and at 9 it is quarter to the next hour.

The minute hand moves 5 minutes for every number. When it points at 1, that is 5 minutes. At 2 it is 10 minutes, at 3 it is 15 minutes, and so on until 12, which is 60 minutes.

There are 60 minutes in 1 hour. There are 24 hours in 1 whole day, but the clock face shows only 12 hours. So the same clock time comes twice a day.

We use a.m. for times from midnight to noon, and p.m. for times from noon to midnight. 7 a.m. is in the morning. 7 p.m. is in the evening.

Minutes on the clock faceA clock face with the numbers 12, 3, 6 and 9 marked, each with a label: 0 minutes, 15 minutes, 30 minutes and 45 minutes. 12 3 6 9 0 min 15 min 30 min 45 min
The minute hand moves 5 minutes for each number.

Worked examples

See how it works

  1. Half past

    The hour hand is between 4 and 5 and the minute hand points at 6. The time is half past 4, or 4:30. It is 30 minutes after 4 o'clock.

  2. Quarter to

    The hour hand is near 8 and the minute hand points at 9. The time is a quarter to 8, or 7:45. It is 15 minutes before 8 o'clock.

  3. A.m. and p.m.

    School starts at 8 a.m., which is in the morning. Dinner is at 8 p.m., which is at night. The clock face looks the same for both.

Try it at home

Paper plate clock

You will need

  • A paper plate
  • Two strips of card for hands
  • A split pin or a pencil and a piece of clay
  • A marker

What to do

  1. Write the numbers 1 to 12 around the plate like a clock.
  2. Make one hand short for hours and one long for minutes. Fix them in the middle.
  3. Ask someone to call out a time, such as half past 5.
  4. Move the hands to show it. The minute hand goes to 6, the hour hand sits between 5 and 6.
  5. Check against a real clock at home.

Ask a grown-up: An adult can help fix the hands and call out times.

Lesson 3 of 3

Helping at home

Find safe jobs you can do at home, learn why helping matters and how to do each job with care.

Open this lesson on its own page · Practice sheet · Answer key · Contents

Let us begin

The big idea

A home runs well when everyone helps. Even children can do many jobs. When you help, you learn useful skills and show that you care about your family.

Helping at home is a way to say thank you to the people who look after us. Our parents and elders work hard all day, and our help makes their load lighter.

There are many safe jobs for children. You can lay the table, put away your plate, water the plants, fold clean clothes, sweep a small area and keep your bag and shoes in order.

Some jobs need an adult. We should never touch the gas stove, hot pans, sharp knives or electric switches with wet hands. If a job looks risky, ask an adult.

Do a job well, not in a hurry. Ask kindly, work cheerfully and say thank you when somebody helps you too.

Safe jobs and ask-an-adult jobsTwo columns. The left column lists safe jobs: lay the table, water plants, fold clothes. The right column lists ask an adult first: gas stove, sharp knife, hot pan. Safe jobs Ask an adult first Lay the table Water the plants Fold clean clothes Pack my school bag Gas stove Sharp knife Hot pan or kettle Electric switches
Do the safe jobs yourself. Ask an adult for the others.

Worked examples

See how it works

  1. Laying the table

    Before dinner, Anil puts a plate and a glass for each person. There are 4 people, so he needs 4 plates and 4 glasses. He also puts a jug of water in the middle.

  2. Watering plants

    Priya waters the plants every evening with a small mug. She checks the soil first. If the soil is wet, she waits until the next day.

  3. Folding clothes

    Karan folds his shirts and trousers and puts them in the cupboard. His mother does not have to do it, and he finds his clothes easily.

Try it at home

My helping chart

You will need

  • A sheet of paper
  • A ruler
  • A pencil or crayons
  • Stars or stickers (or draw stars)

What to do

  1. Draw a table with the days of the week across the top.
  2. Down the side, write three jobs you can do, such as laying the table, watering plants and packing your bag.
  3. Each time you do a job, draw a star in its box.
  4. At the end of the week, count your stars.
  5. Share the chart with your family and pick new jobs for next week.

Ask a grown-up: An adult can choose jobs that are safe for your age and teach you how to do them.

Part two

Practice sheets

One sheet for each of the 3 lessons. Write your name and the date at the top, answer in the spaces, then check with the answer keys at the back.

Practice sheet

Saving and spending wisely

Practice sheet: Saving and spending wisely (Classes 3-5, Life skills and money)

  1. Is a water bottle for school a need or a want?
  2. Is a new toy car a need or a want?
  3. Ria saves ₹5 every week. How much will she have after 6 weeks?
  4. A toy costs ₹60. You save ₹10 every week. How many weeks will you need?
  5. You have ₹50. You spend ₹30 and save ₹15. How much is left to share?
  6. A notebook costs ₹25 in shop A and ₹30 in shop B. Which shop is cheaper, and by how much?
  7. You have ₹100. You buy two pens at ₹12 each and one notebook for ₹30. How much do you spend in all, and how much is left?
  8. Why is it good to save money?
  9. Is it wise to spend all your pocket money on sweets on the first day? Why or why not?
  10. Tell one way you can share or help others with a little of your money. Ask an adult first.

Practice sheet

Telling time: minutes and a.m. and p.m.

Practice sheet: Telling time: minutes and a.m. and p.m. (Classes 3-5, Life skills and money)

  1. How many minutes are in 1 hour?
  2. Which hand is longer, the hour hand or the minute hand?
  3. The minute hand points at 3. How many minutes past the hour is it?
  4. The minute hand points at 6. What do we call that time?
  5. The minute hand points at 9. How many minutes past the hour is it?
  6. What does a.m. mean?
  7. Is 7 p.m. in the morning or the evening?
  8. How many minutes does the minute hand move from one number to the next?
  9. The hour hand is between 3 and 4, and the minute hand is at 6. What is the time?
  10. School starts at 8 a.m. and ends at 2 p.m. How many hours is school?

Practice sheet

Helping at home

Practice sheet: Helping at home (Classes 3-5, Life skills and money)

  1. Why should we help at home?
  2. Name three safe jobs a child can do.
  3. Name two jobs that need an adult.
  4. There are 5 people at dinner. How many plates do you need to lay?
  5. When should you water the plants again if the soil is wet?
  6. What should you do if a job looks risky?
  7. Why is it good to fold your own clothes?
  8. How can you thank someone who helps you?
  9. Why should you never touch a switch with wet hands?
  10. Write your own helping plan for three days.

Part three

Answer keys

The answers to every practice sheet, in the same order as the lessons. Parents and teachers may like to keep these pages separately.

Answer key

Answers: Saving and spending wisely

  1. A need.
  2. A want.
  3. ₹30 (5 × 6).
  4. 6 weeks (60 ÷ 10).
  5. ₹5 (50 - 30 - 15).
  6. Shop A is cheaper by ₹5 (30 - 25).
  7. You spend 12 + 12 + 30 = ₹54, and ₹46 is left (100 - 54).
  8. Savings help us buy something we really want later or help us when we need money unexpectedly.
  9. No. Then you would have nothing left for the rest of the month or for needs.
  10. Sample answers: give to a charity box with an adult, buy a gift for a friend, help someone who needs a book.

Answer key

Answers: Telling time: minutes and a.m. and p.m.

  1. 60 minutes.
  2. The minute hand.
  3. 15 minutes (quarter past).
  4. Half past.
  5. 45 minutes (quarter to the next hour).
  6. The time from midnight to noon.
  7. The evening.
  8. 5 minutes.
  9. Half past 3, or 3:30.
  10. 6 hours (from 8 a.m. to 2 p.m.).

Answer key

Answers: Helping at home

  1. To thank the people who care for us and to make their work lighter.
  2. Sample answers: lay the table, water plants, fold clothes.
  3. Sample answers: using the gas stove, using a sharp knife.
  4. 5 plates.
  5. Wait until the soil is dry, usually the next day.
  6. Stop and ask an adult.
  7. It helps our family and we find our clothes easily.
  8. Say thank you with a smile.
  9. Water can carry electricity and give a shock.
  10. Sample answer: Day 1 lay the table, Day 2 water plants, Day 3 fold clothes.

The end

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