Expense Planning
Expense Planning
Cashflow
Interest Calculation
Record Keeping
Loan Management
Hoarding
Savings
Asset Holding
Negotiation
These are played at any time in the game at the point where a player needs to borrow money to purchase an asset or pay off an expense. A player can get loans in tranches of 5000 and pays back 1000 per round for six rounds
This card jolts the game and also acts as a secondary goal to survive it. It will also teach players that death should not necessarily mean that a household’s financial status has to suffer.
The expense cards will remove money from the player. They will be a mixture of recurring expenses e.g. food, bills and unexpected expenses like illness or fire. A player can defer up to a maximum of 2 expense cards. Tax and death cards have to be paid immediately. These two cannot be deferred.
The Income Cards are investments that will provide an asset base to the player.
Cards like the “Insurance cards”, “professional fees”, “Will” cushion players against unexpected expenditure.
PesaSmart was envisioned in 2014 by a financial literacy expert and a youth business trainer who were looking for a simple game to get people to think. The duo wanted a simple game that could make people realise that the power to make or lose money was in the mind. After a fruitless search everywhere, the duo developed their own game. PesaSmart was born as a game where someone is ultimately playing against themselves.
PesaSmart was awarded in 2017 as the most effective card game by the public-private sector partnership project “Banking on Financial Literacy”. The project was run and sponsored by Bank of Uganda, GIZ, DFCU Bank and Stanbic Bank.
“ Assets are for making money. Why has my family been keeping the land idle? ”
“ So, addictive. My niece and nephews want to play it for hours ”
“ My kids learnt the difference between 1000 and 100 by playing PesaSmart. We have been struggling! ”
