Driver FixRecommendedSound, Wi-Fi or graphics acting up? Check drivers firstFind missing or outdated drivers fast.Check DriversOctober DealsAmazon USOctober deal check: compare before you payAmazon US: current deals, useful picks and tech finds.Check DealsSlow PC?RecommendedPC slow today? Run a repair scan before it gets worseResolve common Windows issues and optimize system performance.Scan Now×
Skip to content
The Finance Base
The Money Desk · Blog
Re:

What Is Creative Thinking? Definition, Examples, and Ways to Practise

Creative thinking combines generating possibilities with judging and improving ideas so they can become original, useful solutions in context.
From TheFinanceBase Team4 min to read
Special offer. See more information about Outbyte and uninstall instructions. Please review EULA and Privacy policy.

Creative thinking is the ability to generate ideas, judge whether they fit a problem, and improve promising ones into original, effective solutions. It is not limited to art or sudden inspiration: it can also help with ordinary tasks, including finding a workable way to manage a household budget.

What creative thinking means

The OECD defines creative thinking as “the competence to engage productively in the generation, evaluation and improvement of ideas that can result in original and effective solutions, advances in knowledge and impactful expressions of imagination.” In plain terms, it is both a way of working through possibilities and a way of developing the best ones. The OECD PISA 2022 framework treats creative thinking as a capacity that can be developed through practice.

Creative thinking is related to creativity, but the terms are not identical in every context. Thinking refers to the processes used to do creative work; broader judgments about creativity may also consider the value of the result in society. The process can lead to an expressive work, a functional solution, or a new way to investigate a question.

How divergent and convergent thinking work together

Creative problem-solving uses both open-ended idea generation and focused evaluation. Divergent thinking helps produce different possibilities; convergent thinking helps understand the problem and decide which possibilities are relevant and effective. They are complementary, not competing styles.

What’s actually slowing this PC down?

Pick the symptom - the matching free tool is one click away.

Special offer. See more information about Outbyte and uninstall instructions. Please review EULA and Privacy policy.
Process What it does Example: reducing a household expense
Divergent thinking Explores multiple approaches and makes flexible or surprising connections. List distinct options, such as changing a service plan, adjusting a recurring purchase, or reorganizing how an existing resource is used.
Convergent thinking Reasons about the problem and assesses which ideas are relevant and workable. Compare the options against the actual expense, household needs, constraints, and likely effort before choosing one to investigate.

The OECD’s PISA 2022 assessment groups creative thinking into three processes: generating diverse ideas, generating creative ideas, and evaluating and improving ideas. These processes can inform one another; assessment categories are a useful framework, not a fixed sequence every person or project must follow. PISA’s framework and assessment are designed around 15-year-old students and everyday contexts, so they should not be treated as a complete account of every theory of creativity or every adult setting.

Originality matters, but usefulness matters too

An idea is not effective merely because it is unusual. The OECD framework emphasizes ideas that are both novel and useful, with usefulness judged in relation to the problem and context. For a household budget, an unconventional suggestion that cannot be carried out or does not address the relevant expense is not a good solution simply because it is original.

Rank #2
Evan-Moor Critical and Creative Thinking Activities Teacher's Book, Grade 5
  • Nature in Action: Ocean Life, Rain, Rain, Sunshine, Snow Day!, Earthquake and Volcanoes, Giant Squids, Bears, Dinosaurs

Subject knowledge can help people make ideas more relevant and workable: understanding the constraints gives them something meaningful to build on. But familiarity can also encourage fixation on established routines, so expertise does not guarantee fresh ideas.

Examples of creative thinking in everyday life

The OECD calls ordinary, everyday forms of creativity “little-c” creativity, distinguishing them from major achievements that may require deep expertise. Examples include finding a new way to solve a daily problem, combining ingredients into a meal, or arranging photographs. Creativity is not restricted to the arts; it can also appear in functional problem-solving and investigation. The OECD’s description of the PISA 2022 assessment explains these everyday contexts.

Special offer. See more information about Outbyte and uninstall instructions. Please review EULA and Privacy policy.

In personal finance, a person might rethink how to organize bill reminders, look for a different way to plan meals around what is already on hand, or generate several approaches to a recurring expense before deciding what to examine. These are examples of applying the idea-generation process, not financial recommendations or guarantees of savings.

How to practise creative thinking

  1. Define the real question. State the problem and its constraints clearly. For example: “How might I make this monthly expense easier to manage without losing something my household needs?”
  2. Generate meaningfully different options. Write down several distinct approaches before selecting one. The goal is variety, not simply a longer list of near-identical suggestions.
  3. Change the angle. Reframe the question, consider another person’s perspective, or try a different method to avoid defaulting to the first familiar answer.
  4. Build relevant knowledge. Learn enough about the subject to understand its needs and limits, then connect that knowledge with ideas or experience from elsewhere.
  5. Let ideas incubate when useful. Reflection, time away from a problem, or a relaxing or automatic activity may help quiet focused attention and support new ideas. These are possible strategies, not guaranteed techniques.
  6. Evaluate and improve a promising idea. Ask who it helps, whether it addresses the actual need, what could prevent it from working, and what change might make it more useful. Test or refine it where appropriate, learn any skills needed to develop it, and use setbacks and reflection to guide another attempt.

Free writing or sketching can provide a simple surface for working through possibilities. The British Columbia curriculum’s Creative Thinking guidance describes learning about a topic, reflecting, allowing time for incubation, and using strategies such as these. A blank sketchbook is optional; the source supports sketching as a strategy, not a requirement or a proven enhancer of creative thinking.

Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.Support on Ko-Fi

A practical way to compare ideas

When deciding which ideas deserve further development, consider these questions:

  • Variety: Do the options differ meaningfully, or are they mostly versions of the same approach?
  • Originality: Is an idea new or unusual in the context where it would be used?
  • Usefulness: Does it address the actual need and constraints?
  • Development: Can it be tested, improved, or made workable with available knowledge and skills?

These questions synthesize the OECD framework’s emphasis on diverse ideas, originality, evaluation, and improvement. They are a practical reflection aid, not a validated test or scoring system.

Special offer. See more information about Outbyte and uninstall instructions. Please review EULA and Privacy policy.

Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.

Leave a Reply

Your email address will not be published. Required fields are marked *

Special offer. See more information about Outbyte and uninstall instructions. Please review EULA and Privacy policy.

More post from the Money Desk

  1. The Money DeskBlogTheFinanceBase09 OCT 267 minMortgage Escrow FAQs: Taxes, Insurance, Shortages, and Refunds
  2. The Money DeskBlogTheFinanceBase09 OCT 265 minHow Mortgage Escrow Accounts Work and What Homeowners Pay For
  3. The Money DeskBlogTheFinanceBase09 OCT 265 minHow to Read a Stock Chart, Volume and Market-Cap Data
Recommended PC Tool
Recommended PC Tool
Outdated Drivers Are Slowing You DownFree scan - exact matches
PC Slower Than It Used to Be?Free scan - under a minute

Two free Windows tools

One Free Minute Could Fix That PC

Before you go - each of these free tools takes about a minute and tackles what quietly slows a Windows PC down.

Special offer. View Outbyte info, uninstall instructions, EULA, and Privacy Policy.