Place Fate Cards Face Down Here

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1 PAY BILLS You pay the banker the mortgage, utilities, and food written on your career card when you pass or land on this space. Banker gives you $200 to add to your savings account. GIVE Give one other player $100 for a birthday gift. The winner is the one with the least amount of debt! Banker gives you $500 to add to your savings account. Banker gives you $1000 to add to your savings account. Place Fate Cards Face Down Here GIVE Give $200 to the banker for a donation to your neighborhood community fund. PAYDAY The banker pays you the paycheck amount written on your Career Card when you pass or land on this space.

2 Out of Debt Rules 1. The game board, cards, and cash are for 2-6 players. You will need to make multiple copies of each denomination of money. Copies of the game, cards, and rules should be on cardstock. Cards need to be cut apart on the solid lines. The game board should be laminated. A die and game pieces (candy works) for each player should be gathered before the game begins. 2. The object of the game is to be the first player who is out of debt. The game ends at the end of the class period or the time allocated for the game. If no player wins by the end of the period or the time allocated for play, the player with the least amount of debt wins. If everyone is out of debt by the end of the period or the time allocated for play, the player with the most money at the end is declared the winner. 3. S should be shuffled and placed face down on the game board. S and S should be separated and placed face down on the table. 4. Players place their game pieces on the PAYDAY corner of the game board. 5. Each player draws one (1) and two (2) S. Each player keeps these cards face up in front of them during the game. 6. One player volunteers to be the banker. The banker gives each player $1,000 for savings plus the 2 week paycheck amount printed on the that each player drew. 7. The player with the least amount of money gets to roll the die first. The player with the next lowest amount of money goes next, and so on. Players move clockwise around the board. Players follow the directions printed on the game board. 8. A player may pay off debts at the end of his/her turn. Debts are paid off smallest to largest. Once a debt is paid to the banker, the is taken by the banker. 9. S: If a player draws a, he/she must pay that amount or receive that amount from the banker. 10. If a player runs out of money, he/she is out of the game. This game was adapted from the game of LIFE by Milton Bradley and Dave Ramsey s ACT YOUR WAGE board game.

3 You like to use your credit cards to make use of the cash-back bonus, but you end up spending more money. SPEND $300 Your car needs repair. SPEND $500 You took in a stray dog and it needs shots from the vet. SPEND $400 Your new phone gets stolen and you choose to replace it with another one. SPEND $400 You have to visit the emergency room which is only partially covered by your health insurance. SPEND $500 Your car needs new tires. SPEND $500 Your pipe breaks in the kitchen and causes minor damage. Your washing machine breaks down and you get it repaired. Your sprinkler breaks and causes your water bill to be higher than usual. SPEND $300 SPEND $200 SPEND $100 You use your air conditioning too much this month and your bill is higher than expected. SPEND $200 You get into a car accident. You must pay the insurance deductible to get your car fixed. SPEND $500 You are generous around the holidays and donate to your favorite charity. SPEND $200

4 You save money by using cash on purchases like gasoline. SAVE $200 You buy used textbooks and sell them back when you are done using them. SAVE $500 You keep your older car instead of buying a new one. SAVE $400 You use a prepaid cell phone service. You don t use a credit card. You ride your bike around town instead of driving. SAVE $400 SAVE $500 SAVE $500 You use envelopes to divide up your spending cash. When the money is gone, it s gone. SAVE $300 You don t spend any more money than you make. SAVE $600 You watch movies online and cook at home instead of going out. SAVE $200 You don t eat out as much this month. You buy clothes and household items out of season. You plan your meals around what is currently on sale. SAVE $200 SAVE $500 SAVE $200

5 Career: Painter Salary Per Year: $32,600 Status: Single with no kids 2 Week Paycheck: $1,200 Housing (rent): $600 Utilities: $200 Food: $100 Career: Sales Clerk Salary Per Year: $30,900 Status: Single with one kid 2 Week Paycheck: $1,100 Housing (rent): $500 Utilities: $200 Food: $100 Career: Accountant Salary Per Year: $98,600 Status: Married with two kids 2 Week Paycheck: $3,700 Housing (mortgage): $1,500 Utilities: $500 Food: $500 Career: Engineer Salary Per Year: $107,000 Status: Married with three kids 2 Week Paycheck: $4,100 Housing (mortgage): $1,600 Utilities: $600 Food: $500 Career: Technician Salary Per Year: $46,600 Status: Married with two kids 2 Week Paycheck: $1,800 Housing (rent): $700 Utilities: $300 Food: $200 Career: Sales Executive Salary Per Year: $120,000 Status: Married with four kids 2 Week Paycheck: $4,500 Housing (mortgage): $2,000 Utilities: $800 Food: $700 Career: Musician Salary Per Year: $51,000 Status: Married with one kid 2 Week Paycheck: $1,900 Housing (rent): $800 Utilities: $300 Food: $300 Career: Construction Worker Salary Per Year: $68,000 Status: Single with no kids 2 Week Paycheck: $2,700 Housing (rent): $900 Utilities: $400 Food: $300 Career: Insurance Agent Salary Per Year: $63,500 Status: Married with two kids 2 Week Paycheck: $2,500 Housing (mortgage): $900 Utilities: $300 Food: $300 Career: Scientist Salary Per Year: $118,000 Status: Married with three kids 2 Week Paycheck: $4,500 Housing (mortgage): $1,800 Utilities: $700 Food: $600 Career: Teacher Salary Per Year: $45,000 Status: Married with one kid 2 Week Paycheck: $1,700 Housing (rent): $700 Utilities: $300 Food: $200 Career: Architect Salary Per Year: $85,900 Status: Single with two kids 2 Week Paycheck: $2,500 Housing (rent): $1,100 Utilities: $500 Food: $400

6 Dentist Bill $3,000 School Loan $5,000 Car Loan $6,000 Medical Bill $2,000 IRS Tax Bill $6,000 Credit Card $5,000 Credit Card $2,000 Business Loan $4,000 Dentist Bill $2,000 Credit Card $7,000 Business Loan $5,000 Medical Bill $2,000

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