You get €20 pocket money each week. There's a game you really want that costs €75.

Roughly how many weeks would you have to save before you could buy it, if you put every cent aside?

A simple financial plan has three parts: money coming in, money going out, and what's left to save. Look at the budget on screen: €20 comes in, some goes out on spending, and whatever is left is put aside.

Now look at a plan where the spending is bigger than the money coming in. Look at the total, this plan does not balance.

Last one: when you know how much you save each week, you can work out how many weeks a goal will take. Look at a €14-a-week plan for a €70 goal.

Today we work through these savings plans together, each one a step harder:

• €30 plan: €10 spending, €20 saved.
• €40 plan: three categories that must balance exactly.
• €50 plan: every category needs money in it.
• €60 plan: three categories that balance exactly to €60.