Montisorri Bankers Game Cards 

Game Overview

Players take turns drawing cards from three decks to determine their transaction:

1. Operation Deck: Determines if players are adding (earning), subtracting (spending), multiplying (investing), or dividing (sharing)
2. Transaction Deck: Describes the financial scenario
3. Number Deck: Contains large and small numbers to use in calculations

Players use the golden bead materials to show their work, and the banker verifies calculations before distributing or collecting money.

Setup Instructions

• Designate one player as the banker
• Each player starts with 1000 units (represented by golden bead materials)
• Arrange the three decks face down
• Place the golden bead materials within reach of all players

How to Play

1. On your turn, draw one card from each deck
2. Complete the mathematical operation using the golden bead materials
3. Show your work to the banker
4. Either receive money from or pay money to the bank
5. The player with the most money after all players have had 10 turns wins

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OPERATION DECK (Print, cut, and shuffle these cards)

Addition Cards (10 cards)

• EARN: Add the number to your bank balance
• EARN: Add the number to your bank balance
• DEPOSIT: Add the number to your bank balance
• DEPOSIT: Add the number to your bank balance
• PAYCHECK: Add the number to your bank balance
• PAYCHECK: Add the number to your bank balance
• GIFT: Add the number to your bank balance
• GIFT: Add the number to your bank balance
• BONUS: Add the number to your bank balance
• BONUS: Add the number to your bank balance

Subtraction Cards (10 cards)

• SPEND: Subtract the number from your bank balance
• SPEND: Subtract the number from your bank balance
• WITHDRAW: Subtract the number from your bank balance
• WITHDRAW: Subtract the number from your bank balance
• PURCHASE: Subtract the number from your bank balance
• PURCHASE: Subtract the number from your bank balance
• BILL: Subtract the number from your bank balance
• BILL: Subtract the number from your bank balance
• FINE: Subtract the number from your bank balance
• FINE: Subtract the number from your bank balance

Multiplication Cards (8 cards)

• INTEREST: Multiply your number by 2
• INTEREST: Multiply your number by 3
• INVESTMENT: Multiply your number by 4
• INVESTMENT: Multiply your number by 5
• STOCK GROWTH: Multiply your number by 6
• STOCK GROWTH: Multiply your number by 7
• BUSINESS PROFIT: Multiply your number by 8
• BUSINESS PROFIT: Multiply your number by 9

Division Cards (8 cards)

• SHARE: Divide your number by 2
• SHARE: Divide your number by 3
• SPLIT: Divide your number by 4
• SPLIT: Divide your number by 5
• DISTRIBUTE: Divide your number by 6
• DISTRIBUTE: Divide your number by 7
• GROUP PAYMENT: Divide your number by 8
• GROUP PAYMENT: Divide your number by 9

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TRANSACTION DECK (Print, cut, and shuffle these cards)

Addition Scenarios (10 cards)

• You completed chores around the house
• You sold homemade cookies at a bake sale
• Grandparents sent you birthday money
• You won a math competition
• You helped a neighbor with yard work
• You received your weekly allowance
• You found money in an old coat pocket
• You earned money from your lemonade stand
• Your savings account earned interest
• You received a scholarship for good grades

Subtraction Scenarios (10 cards)

• You bought a new book
• You went to the movies with friends
• You purchased a gift for a family member
• You paid school lunch fees
• You bought new school supplies
• You paid for a field trip
• You bought ingredients for a science project
• You paid for a bus pass
• You bought tickets to a sports game
• You paid monthly subscription fee for an app

Multiplication Scenarios (8 cards)

• Your savings account pays compound interest
• Your investment in a friend's business paid off
• You bought and sold rare trading cards at a profit
• Your small business had a great sales month
• Your garden produced vegetables you sold at market
• Your YouTube channel views multiplied this month
• You bought items on sale and resold them online
• Your stock market investment increased in value

Division Scenarios (8 cards)

• You split the cost of a pizza with friends
• You divided the earnings from a group project
• You shared the cost of a gift with siblings
• You split vacation expenses with family
• You divided the cost of team uniforms
• You shared the price of a large purchase with a friend
• You divided inheritance money among family members
• You split the winnings from a group lottery ticket

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NUMBER DECK (Print, cut, and shuffle these cards)

Small Numbers (15 cards)

• 12
• 15
• 18
• 21
• 24
• 27
• 32
• 36
• 42
• 45
• 54
• 63
• 72
• 81
• 99

Medium Numbers (15 cards)

• 108
• 125
• 144
• 162
• 189
• 216
• 225
• 243
• 267
• 288
• 315
• 342
• 375
• 396
• 432

Large Numbers (15 cards)

• 1,125
• 1,296
• 1,458
• 1,512
• 1,625
• 1,728
• 1,875
• 2,025
• 2,187
• 2,250
• 2,484
• 2,625
• 2,916
• 3,375
• 3,600

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Special Cards (Add these to the Transaction Deck for more excitement)

Challenge Cards (5 cards)

• DOUBLE OR NOTHING: Choose to double your transaction or get nothing
• MATH QUIZ: Answer a math question posed by another player to earn double
• BANK ERROR: Banker checks your math. If correct, get bonus of 100
• TRADE PLACES: Switch bank balances with the player of your choice
• GOLDEN OPPORTUNITY: Use ALL types of beads to show your number

Action Cards (5 cards)

• SKIP A PLAYER: Choose one player to skip their next turn
• REVERSE: Play order reverses direction
• CHALLENGE: Challenge another player to do your transaction mentally
• BANK RUN: All players must withdraw half their money this round
• MARKET CRASH: All players lose 20% of their money (rounded down)

Classroom Economy GTame: Montisoru Style Pay Day Game with Axtion  Cards

Game Overview

This classroom economy game simulates real-world financial experiences. Students navigate various financial situations through mail, deal, and event cards while managing their money throughout a simulated month.

MAIL CARDS (60 cards)

Bills (20 cards)

1. Electricity Bill: Pay $25 to the bank
2. Water Bill: Pay $15 to the bank
3. Internet Bill: Pay $30 to the bank
4. Phone Bill: Pay $20 to the bank
5. Rent Payment: Pay $50 to the bank
6. Streaming Service: Pay $10 to the bank
7. Gas Bill: Pay $18 to the bank
8. School Supply Fee: Pay $12 to the bank
9. Library Late Fee: Pay $5 to the bank
10. Sports Equipment Fee: Pay $22 to the bank
11. Health Insurance: Pay $35 to the bank
12. Car Insurance: Pay $40 to the bank (Can be avoided with Car Insurance Card)
13. Home Insurance: Pay $30 to the bank (Can be avoided with Home Insurance Card)
14. Pet Supplies: Pay $15 to the bank
15. Clothing Purchase: Pay $25 to the bank
16. Transportation Pass: Pay $20 to the bank
17. School Lunch: Pay $35 to the bank
18. Medical Checkup: Pay $45 to the bank (Can be avoided with Health Insurance Card)
19. Home Repairs: Pay $55 to the bank (Can be avoided with Home Insurance Card)
20. Car Repairs: Pay $60 to the bank (Can be avoided with Car Insurance Card)

Insurance Cards (6 cards)

1. Health Insurance Policy: Keep this card. It protects you from Medical Checkup bills.
2. Car Insurance Policy: Keep this card. It protects you from Car Repair and Car Insurance bills.
3. Home Insurance Policy: Keep this card. It protects you from Home Repair and Home Insurance bills.
4. Life Insurance Policy: Keep this card. If you must miss a turn, collect $50 from the bank.
5. Pet Insurance Policy: Keep this card. It protects you from unexpected Pet-related expenses.
6. Travel Insurance Policy: Keep this card. If you must pay for an unexpected trip, you're covered.

Ads (6 cards)

1. Summer Camp Brochure: Discard at Pay Day
2. New Smartphone Advertisement: Discard at Pay Day
3. Video Game Sale Flyer: Discard at Pay Day
4. Local Restaurant Coupon Book: Discard at Pay Day
5. Amusement Park Season Pass Offer: Discard at Pay Day
6. Online Shopping Catalog: Discard at Pay Day

Postcards (6 cards)

1. Postcard from Science Camp: "Having a great time learning about ecosystems!"
2. Postcard from Math Competition: "We won second place in the regional finals!"
3. Postcard from Space Museum: "Saw an amazing planetarium show today!"
4. Postcard from Washington D.C.: "Visited the Smithsonian and saw the Declaration of Independence!"
5. Postcard from Grandparents: "Thinking of you! Hope school is going well!"
6. Postcard from Pen Pal: "School here is different! We have six subjects every day!"

Moneygrams (6 cards)

1. Class Gift Collection: Contribute $10 to the Jackpot
2. School Fundraiser: Contribute $15 to the Jackpot
3. Friend's Birthday Gift: Contribute $8 to the Jackpot
4. Team Sports Equipment: Contribute $12 to the Jackpot
5. Field Trip Contribution: Contribute $20 to the Jackpot
6. Charity Drive: Contribute $5 to the Jackpot

Lottery Tickets (6 cards)

1. Math Challenge Lottery: Keep until Lottery Draw - possibly win $100
2. Science Quiz Lottery: Keep until Lottery Draw - possibly win $75
3. Spelling Bee Lottery: Keep until Lottery Draw - possibly win $50
4. History Knowledge Lottery: Keep until Lottery Draw - possibly win $80
5. Geography Bee Lottery: Keep until Lottery Draw - possibly win $60
6. Reading Challenge Lottery: Keep until Lottery Draw - possibly win $90

Special Mail (10 cards)

1. Birthday Check: Collect $25 from the bank
2. Academic Achievement Award: Collect $50 from the bank
3. Tax Refund: Collect $75 from the bank
4. Part-time Job Payment: Collect $40 from the bank
5. Tutoring Payment: Collect $30 from the bank
6. Chore Money: Collect $15 from the bank
7. Babysitting Payment: Collect $20 from the bank
8. Pet Sitting Payment: Collect $18 from the bank
9. Scholarship Award: Collect $100 from the bank
10. Allowance: Collect $10 from the bank

DEAL CARDS (30 cards)

Technology Deals (6 cards)

1. Laptop Computer: Buy for $200, can sell for $120
2. Tablet: Buy for $150, can sell for $90
3. Smartphone: Buy for $175, can sell for $100
4. Gaming Console: Buy for $180, can sell for $110
5. Digital Camera: Buy for $120, can sell for $70
6. Headphones: Buy for $80, can sell for $40

Hobby Deals (6 cards)

1. Art Supplies Kit: Buy for $45, can sell for $25
2. Musical Instrument: Buy for $125, can sell for $75
3. Sports Equipment: Buy for $85, can sell for $45
4. Science Experiment Kit: Buy for $60, can sell for $35
5. Book Collection: Buy for $75, can sell for $40
6. Cooking Set: Buy for $55, can sell for $30

Transportation Deals (6 cards)

1. Bicycle: Buy for $110, can sell for $65
2. Skateboard: Buy for $65, can sell for $35
3. Scooter: Buy for $90, can sell for $50
4. Used Car: Buy for $250, can sell for $150
5. Electric Bike: Buy for $180, can sell for $110
6. Bus Pass (Annual): Buy for $95, can sell for $55

Home Deals (6 cards)

1. Furniture Set: Buy for $140, can sell for $80
2. Smart Speaker: Buy for $70, can sell for $40
3. Game Table: Buy for $130, can sell for $75
4. Television: Buy for $160, can sell for $95
5. Bedroom Makeover: Buy for $115, can sell for $65
6. Study Desk: Buy for $95, can sell for $55

Investment Deals (6 cards)

1. Savings Account: Invest $100, collect $10 at Pay Day
2. Stock Market Investment: Invest $150, roll dice on Pay Day (1-3: lose $25, 4-6: gain $50)
3. Business Start-up: Invest $200, roll dice on Pay Day (1-2: lose $50, 3-4: break even, 5-6: gain $75)
4. Education Fund: Invest $125, collect $20 at Pay Day
5. Real Estate Share: Invest $175, collect $25 at Pay Day
6. Community Project: Invest $75, roll dice on Pay Day (1-3: break even, 4-6: gain $30)

EVENT CARDS (30 cards)

Positive Events (10 cards)

1. Academic Excellence: Collect $50 from the bank
2. Community Service Award: Collect $25 from the bank
3. School Contest Winner: Collect $40 from the bank
4. Athletic Achievement: Collect $30 from the bank
5. Perfect Attendance: Collect $20 from the bank
6. Published Writing: Collect $35 from the bank
7. Art Contest Winner: Collect $45 from the bank
8. Science Fair Award: Collect $55 from the bank
9. Music Performance Fee: Collect $25 from the bank
10. Helping a Neighbor: Collect $15 from the bank

Challenging Events (10 cards)

1. Lost Textbook: Pay $30 to the bank
2. Bicycle Repair: Pay $25 to the bank
3. Broken Electronic Device: Pay $40 to the bank
4. Emergency Dental Visit: Pay $45 to the bank (unless you have Health Insurance)
5. Lost Library Book: Pay $20 to the bank
6. School Trip Expense: Pay $35 to the bank
7. Extra Tutoring Session: Pay $30 to the bank
8. Sports Equipment Replacement: Pay $25 to the bank
9. Phone Screen Repair: Pay $35 to the bank
10. Lost Lunch Money: Pay $15 to the bank

Interactive Events (10 cards)

1. Market Crash: All players must reduce their Deal card resale values by $15
2. Not Today!: Cancel any Event card played against you
3. Budget Expert: Skip paying one bill of your choice this month
4. Yard Sale: Sell one Deal card immediately for full purchase price
5. Share the Wealth: Collect $5 from each player
6. Group Project: All players contribute $10 to the Jackpot, winner gets the pot
7. Financial Quiz: Answer a money question correctly to receive $25
8. Community Clean-up: Everyone gives $10 to the bank, you receive $30
9. Budget Challenge: If you have less than $50, collect $25 from the bank
10. Financial Exchange: Swap one Deal card with another player of your choice

GAME BOARD SPACES

Regular Spaces

• Mail: Draw a Mail card
• Deal: Draw a Deal card
• Buyer: Buy a Deal card from another player for the list price
• Lottery Draw: Cash in Lottery Tickets
• Sweepstakes: Roll dice, if you get a 6, collect the Jackpot
• Charity: Donate $10 to the Jackpot

Special Spaces

• Pay Day: Collect your monthly salary of $100, pay all bills, and start a new month
• School Field Trip: Pay $25
• Found Money: Collect $10
• Extra Chores: Collect $15
• Family Gift: Collect $20
• Financial Challenge: Draw an Event card

GAME ACCESSORIES

Loan Notes

• Students can take loans from the bank in $50 increments
• Each loan accrues $5 interest per month
• Loans must be repaid on Pay Day

Pay Day Ledger

• A sheet to track monthly income and expenses
• Columns for: Income, Bills, Loans, Interest, Net Earnings

Financial Goal Cards

• Optional cards that give students specific financial goals to achieve
• Examples: Save $500, Own 3 Deal cards, Pay off all loans, etc.

Money Management Tips

• Cards with real-world financial advice for students to collect
• Topics include: Saving, Budgeting, Investing, Needs vs. Wants, etc.