A1 Level – Elementary
1. Do you save money every month?
2. What is your favorite way to spend money?
3. What is the most expensive thing you own?
4. Do you use a bank account?
5. Is it good to have a budget?
6. Do you prefer buying new or used things?
7. What is a common way to save energy at home?
8. Do you think money can buy happiness?
9. What is a necessary expense every month?
10. Do you ever lend money to friends?
11. What is the difference between a need and a want?
12. Do you use cash or credit card more often?
13. Where is a safe place to keep your money?
14. Do you like shopping for clothes?
15. What small thing do you buy often?
A2 Level – Pre-Intermediate
1. What are the key steps involved in creating a personal budget?
2. How do you track where your money goes each month?
3. What are the advantages of saving money from a young age?
4. Describe a time you regretted buying something expensive.
5. What is the meaning of “living within your means”?
6. What are the pros and cons of using a credit card?
7. How can technology (apps, spreadsheets) help you manage your finances?
8. What is the difference between a monthly budget and a long-term financial goal?
9. What are common ways people waste money without realizing it?
10. Do you find it difficult to stick to a shopping list?
11. What is the most important financial lesson you have learned?
12. Should children receive an allowance, and how should they manage it?
13. What are the risks of borrowing money from friends or family?
14. How can people save money on groceries every week?
15. What would you do if you suddenly won a large sum of money?
B1 Level – Intermediate
1. Discuss the psychological barriers that make people overspend or avoid budgeting.
2. How important is it to save for retirement, and when should people start?
3. What are the ethical implications of borrowing money with high interest rates?
4. How does advertising influence people to buy things they don’t need?
5. What are the pros and cons of using debt to buy large assets (e.g., a house)?
6. Discuss the concept of “impulse buying” and strategies to overcome it.
7. How does financial education in schools affect a student’s adult budgeting skills?
8. What is the difference between inflation and deflation, and how do they affect a budget?
9. Describe a financial emergency and how one should prepare for it.
10. To what extent should governments encourage or force citizens to save money?
11. What are the challenges of creating a household budget with a partner or family?
12. How does the “gig economy” or freelance work complicate financial planning?
13. Discuss the importance of having multiple streams of income for financial security.
14. What are common misconceptions people have about being wealthy?
15. How can you distinguish between a smart investment and a high-risk gamble?
B2 Level – Upper-Intermediate
1. What does “financial freedom” mean to you, and how does that idea affect your daily life?
2. How does being in consumer debt affect a person’s mental health and quality of life?
3. What are the main ethical questions about how banks and financial institutions make money?
4. Should every person aim to achieve a state of financial independence and retire early?
5. What are the challenges for people with low income when they try to save and invest money effectively?
6. Discuss the psychological reasons why people often try to spend money to “keep up” with their wealthier friends.
7. What are the risks of putting all your savings into only one type of investment?
8. How does taxation work in your country, and what are common, legal ways people try to reduce taxes?
9. What are the advantages and disadvantages of basing your budget on fixed percentages (e.g., the 50/30/20 rule)?
10. Discuss how unexpected global events (like pandemics or wars) can suddenly affect personal budgets.
11. What is the concept of opportunity cost in personal finance, and why is it important when making choices?
12. How have digital currencies and cryptocurrency changed the way people think about money and budgeting?
13. Do you think parents should be legally required to set up a savings fund for their children?
14. What is the difference between using debt in a helpful way (good debt) and in a harmful way (bad debt)?
15. Discuss the role of financial advisors, and do you think everyone needs one to manage their money?
C1 Level – Advanced
1. How does the increasing amount of personal debt in modern countries affect the structure and health of our society in the long term?
2. To what extent should the government step in and regulate aggressive lending practices to protect people who are vulnerable?
3. Discuss the concept of “behavioral economics” and how it helps explain why people sometimes make illogical spending choices.
4. Do you agree that universal basic income (UBI) would simplify or complicate personal budgeting for most people?
5. How does the global interest rate environment affect the borrowing and saving decisions of ordinary families?
6. Examine the ways in which money passed down through generations influences social and financial inequality.
7. What are the ethical duties of large companies to ensure fair pay and financial stability for their employees?
8. Discuss the philosophical idea of money as something we all agree on (a social construct) versus something that has real, tangible value.
9. How can financial education programs be designed to actually change the money habits of different social groups?
10. How does the impact of inflation affect people who live on a fixed income or retirees who rely heavily on savings?
11. What ethical rules should control how technology companies collect and use consumer financial data?
12. Debate whether moving toward a cashless society benefits or harms individuals when they try to manage their daily budgets.
13. How do different cultural attitudes toward borrowing money and saving influence the stability of a nation’s economy?
14. Discuss the concept of your “future self” and how that psychological idea affects long-term financial planning.
15. How much responsibility should banks and financial institutions take for preventing their clients from borrowing money recklessly?
C2 Level – Proficiency
1. How important is it that people you trust with your money (like bankers) have a strict legal duty to act in your best interest?
2. Formulate a critique of the current banking regulations regarding large financial risks and how they protect individual depositors.
3. How does the global monetary policy of different countries affect an individual’s retirement security in interconnected economies?
4. Discuss the philosophical difference between wealth you earn yourself and wealth you inherit in a society that values individual effort.
5. Evaluate how effective economic sanctions are on international finance, and how they create a ripple effect on everyday consumers.
6. Propose a comprehensive global strategy to reduce poverty across borders and promote financial inclusion for everyone.
7. Examine the psychological and social impact of rapid technological change on job stability and traditional employment.
8. How does the display of luxury items (like expensive cars or clothes) reflect broader societal values and economic concerns?
9. Discuss the ethical problems of using predictive financial models that might unfairly exclude or discriminate against certain groups.
10. Analyze how central banking has evolved throughout history and its relationship to government spending policies.
11. Where is the conflict between an individual trying to make the maximum amount of profit and the collective need for economic stability?
12. Debate whether the idea of constant economic growth is sustainable when considering the world’s limited resources.
13. Assess the long-term impact of very low or negative interest rates on people’s savings and their spending habits.
14. Discuss the philosophical definition of ‘value’ in a modern economy that is based primarily on services, not manufacturing.
15. How might future automation and AI fundamentally change the need for human labor and income generation?
