Personal Finance & School children Part 15

“Money Magic with Mr. Raj & Ms. Deepa : The Trust Test”

The next Friday, the students of Class 7 were unusually curious. The last class on borrowing and lending had been full of excitement and a few surprises. Some “businesses” had thrived, others had collapsed under too much debt.

Mr. Raj entered with Ms. Deepa beside him, both smiling knowingly. “Good morning, Class 7,” said Mr. Raj. “Last time, you learned that borrowing helps only when you borrow wisely. But there’s something even more important than money in that process, trust.”

“Trust?” Riya repeated. “But sir, that’s not money.”

Mr. Raj grinned. “Exactly! And yet, it’s the strongest currency in the world.”

Ms. Deepa took over. “Let’s play a small game. Each of you will get three tokens, but this time, you can’t buy anything directly. You can only borrow or lend from your classmates based on how much you trust them. There’s no written rule, just your instinct.”

The room buzzed with excitement. Kaushik lent his tokens quickly to Rohan, who promised to return them with one extra. Riya, cautious, lent only one token to Meera. Aryan, meanwhile, borrowed from two friends to start his “snack shop.”

After a few rounds, the class tallied their results. Some loans were repaid honestly with a small profit. But others weren’t. One student couldn’t repay on time. A few had borrowed too much, hoping to earn big but lost instead.

Mr. Raj then asked softly, “How many of you would lend again to the same person?”

Several hands stayed down.

“That,” he said, “is the foundation of credit. Credit means trust. When you borrow and repay on time, people trust you more. In real life, banks and shops keep track of how reliable someone is, that’s called a credit record.”

Ms. Deepa added, “A good credit record is like having a golden key. It opens doors, people believe in you. But if you misuse trust, it takes a long time to rebuild.”

The class nodded thoughtfully.

Mr. Raj smiled. “In our money magic journey, we’ve talked about coins, banks, and businesses. But behind it all lies one invisible force - trust. It’s what makes every deal possible.”

As the bell rang, Ms. Deepa concluded, “Next time, we’ll see how trust and planning come together when you run something real like a class fair! That’s where money magic becomes teamwork.”

The children cheered. They now understood that the true magic wasn’t in earning or spending, it was in keeping promises.

And as they left the classroom, even Kaushik, who had borrowed too much, whispered, “Next time, I’ll earn their trust back.”

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