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Scratch x Financial Literacy:
Planning for the Future

Financial education is more than dollars and cents. It’s about establishing better spending habits, instilling confidence, and equipping the next generation with theskills to pursue big financial goals with minimal risk.



Scratch x Financial Literacy:

Planning for the Future


8th September 2022

15th November 2022


  • Lower Primary : Primary 1to Primary 3

  • Upper Primary : Primary 4 to Primary 6

  • The above categories are OPEN to the PUBLIC as well

  • Participants may compete individually or in groups of 2 maximum.


  • Cash Vouchers

  • Digital Certificates



  • SGD50 per team


  • Online


  • 1st July: Registration Opens

  • 7th July: Release of competition guidelines 

  • 30th September: Closure of registration date 

  • 30th October: Submission of Video Entry 

  • 16th November: Announcement of Winners 




Scratch Competition Rules

v1.1 pdf


Rosyth Team 1

from Rosyth School

(1st Prize)


SD Labschool UPI Bandung

(2nd Prize)


Nvtps Team from North Vista Primary School
(3rd Prize)



of Excellence

  • Dillon (Yu Neng Pri School)

  • Creative Cats (Pioneer Primary School)

  • Team Creative (Pioneer Primary School)

  • Team Best (Pioneer Primary School)

  • Team Awesome (Pioneer Primary School)

  • Rosyth Team 3 (Rosyth School)

  • Team 1 (STEM Institution)

  • Team 2 (STEM Institution)

  • Team 3 (STEM Institution)

  • MIGHTY HAWK (Tao Nan School)

  • Something About Rabbit  (Chulalongkorn University Demonstration School)

  • JC Lee4 (Maha Bodhi School)

  • XPS_01 (Xishan Primary School)

  • XPS_02 (Xishan Primary School)

  • Sean (Tao Nan School)

  • Rosyth Team 2 (Rosyth School)

  • JustChilion (Northoaks Primary School)

  • Scratch Assassins (Tao Nan Primary School)

  • TSEB OUD (Taonan School)


What is financial literacy?  

Financially literate consumers not only manage money with more confidence, but also have a better chance of handling the inevitable ups and downs of their financial lives by understanding how to prevent and manage issues as they arise.


That can mean keeping a close eye on their bank and credit card accounts so they're aware of potential fraud as soon as possible, or being able to recover from a costly unexpected car repair quickly thanks to ample cash savings. On the other hand, financial literacy can help consumers save diligently for things that matter to them, such as a vacation or their child's college education. 


Here are some ways how being financially literate can change your life: 

  • Understanding of how much you earn and spend.  

  • Financial stability — Repay and avoid debt. 

  • Protect yourself from debt and bankruptcy.  

  • Work towards a secure retirement.


Students will be tasked to create a game with an engaging storyline and activities that elaborate on, or revolves around fundamental financial literacy concepts. A focus onto 1-2 key concepts is encouraged for clarity of thought. As a starting point, some guiding questions are:

  • What is the time value of money?

  • Why is planning to investing early the best path to achieve your goals?

  • What is the difference between stocks and funds?

  • How does budgeting work?

  • What is the relationship between risk and reward?

  • How does diversification of investments reduce risk?

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