3. What method teaches a child to plan expenses?

Answer:

• The question asks about a method to teach children expense planning. The options are 'Piggy bank of desires', 'Prize lottery', and 'Surprise shop'.
• A 'Piggy bank of desires' is a common method where children save up for desired items, directly teaching them about planning expenses and delayed gratification.
• 'Prize lottery' and 'Surprise shop' do not directly teach planning expenses.

Answer: Piggy bank of desires