The present invention relates to a game that provides different and varying scenarios relating to budgeting wherein the student is given a Monthly Budget Sheet containing a Before Column, an After Column, and a plurality of spaces and fill-in-the blank lines for such information as Income, and for Expense Items such as Housing, Auto, Food, Clothing, Medical/Health, and Personal Expenses. Income allows the inclusion of a First Wages and a Second Wages, depending upon whether the student participant is single or married and whether the spouse earns a wage. Each Expense Item has expense estimate blank space in the Before Column and in the After Column, thus allowing the student to make changes to the Budget Sheet based upon understandings and realizations arrived at during the game. During the game, the students must draw certain instructional cards, such as Occupation Cards, Children Cards, Credit Score Cards, and Surprise Cards, which create different scenarios which the students must deal with in the budget process.