Each student is given a credit card with a limit- I chose $500. They are "charged" for different things- such as missing homework, leaving the room etc. They are also given a savings account- I chose to give them $700. They can also earn money for positive actions such as: helping others etc. Charges and earning can be changed and modified depending on your class. Then once they get used to it, I introduce purchases that can be made. The students really enjoy it.