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I used this in my 5th grade classroom for classroom management and to help teach the social studies economic standards. Students were rewarded for desirable things by getting a credit to their account and punished for undesirable things by receiving a debit to their account. We had a bank to donate money pouches so students could keep their things in them. We gave them play money and they paid us when they had a debit. At the end of the month they had to pay money for their desk and chair rent and if they had money left over after that then they could participate in an auction to purchase things that they wanted with their earned money. This includes the money chart for credits and debits to display in your room, the student bank register, and the auction ppt.