Budgeting Buddies...3 The mint currently has a program called “America the Beautiful” that...
Transcript of Budgeting Buddies...3 The mint currently has a program called “America the Beautiful” that...
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T E A C H E R G U I D E
Budgeting BuddiesCURRICULUM
cardinals.com/budgetingbuddies
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WELCOME 1
LESSON 1 Needs v Wants 1A:Needs,1B:Wants 2
ACTIVITY NeedsvWants (ACTIVITY-1B-1) 3
ACTIVITY NeedsvWants (ACTIVITY-1B-2) 4
LESSON 2 Forms of Money – COINS 2A:CoinCreation 5
FUN FACTS FirstUnitedStatesCoin (FUN FACTS-2A-1) 6
FUN FACTS UnitedStatesMintLocations (FUN FACTS-2A-2) 7
ACTIVITY CoinCreation (ACTIVITY-2A) 8
2B:CoinFeatures 9
ACTIVITY CoinFeatures (ACTIVITY-2B-1) 10
FUN FACTS AmericatheBeautifulQuarters (FUN FACTS-2B) 11
ACTIVITY CoinDesign(ACTIVITY-2B-2) 12
2C:CommonCoins,2D:LessCommonCoins 13
FUN FACTS CommonCoins (FUN FACTS-2C) 14
ACTIVITY CommonCoins (ACTIVITY-2C) 15
ACTIVITY LessCommonCoins (ACTIVITY-2D) 16
LESSON 3 Forms of Money – BILLS 3A:HowBillsareMade,3B:TypesofBills 17
ACTIVITY BillCreation (ACTIVITY-3A) 18
FUN FACTS TypesofBills (FUN FACTS-3B) 19
ACTIVITY TheValueofBills (ACTIVITY-3B-1) 20
ACTIVITY MakingChanges (ACTIVITY-3B-2) 21
LESSON 4 Earning Money 4A:HowtoEarnMoney 22
ACTIVITY WaystoEarnMoney (ACTIVITY-4A-1) 23
ACTIVITY EarningMoney (ACTIVITY-4A-2-BEGINNER) 24
ACTIVITY EarningMoney (ACTIVITY-4A-2-ADVANCED) 25
LESSON 5 Saving Money 5A:WaystoSaveMoney 26
ACTIVITY SavingMoney (ACTIVITY-5A) 27
LESSON 6 Budgeting Basics 6A:BudgetingYourMoney 28
ACTIVITY CreatingaBudget (ACTIVITY-6A) 29
LESSON 7 Alternate Forms of Money 7A:Checks 30
FUN FACTS Checks (FUN FACTS-7A) 31
ACTIVITY WritingaCheck (ACTIVITY-7A-1) 32
ACTIVITY UsingaCheckRegistry (ACTIVITY-7A-2) 33
7B:DebitCard,7C:CreditCard,7D:GiftCard 34
FUN FACTS DebitCardsandCreditCards (FUN FACTS-7B AND 7C) 35
ACTIVITY UsingaGiftCard (ACTIVITY-7D) 36
JUST CLICK THE PAGE # TO GO DIRRECTLY TO THAT PAGE
Contents
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1
T E A C H E R G U I D E
WelcomeWELCOME TO THE BUDGETING BUDDIES FINANCIAL LITERACY PROGRAM PRESENTED BY SCOTT CREDIT UNION!
Budgeting Buddies was created because it is never too early to learn how to make smart financial decisions!
BudgetingBuddiesunderstandsthatchildrendonothaveafullunderstandingofhowmoneyworksandaimstoteachinafunandengagingwayhowtosave,budgetandprioritizepurchasingdecisions.
BudgetingBuddiesconsistsofsevenlessontopicsthatbuilduponeachother.Withineachtopic,activitysheetsareincorporatedtohelpreinforcelearning.Theactivitysheetswithintheteacherguideincludeanswers,butthereisalsotheopportunitytodownloadandprinttheactivitysheetssotheycanbesharedwithstudents.Activitysheetsmayalsobeprojectedontoascreentoallowstudentstoworkcollectively.
Thecurriculumalsolendsitselftoadaptionsoitcanfitbestwithinaclassroom’sstructure.
PleaseenjoyBudgetingBuddiesandyouareinvitedtosharehowyouutilizedthecurriculumorputyourownuniquespinonitbyemailingbudetingbuddies@cardinals.com.
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L E S S O N 1
NeedsvWantsStudentswillexaminethedifferencebetweenNEEDSandWANTS.
1A: NEEDS
3 AskSstowritedowntheirdefinitionofaNEED.
Note:Ifstudentsaretooyoungtowritethedefinitiondown,havethemsharetheirdefinitionsoutloud.
3 Discussstudentdefinitionsandsharethefollowingdefinition:
DEFINITION
NEEDS are things that are necessary for you to live.
1B: WANTS
3 AskSstowritedowntheirdefinitionofaWANT.
Note:Ifstudentsaretooyoungtowritethedefinitiondown,havethemsharetheirdefinitionsoutloud.
3 Discussstudentdefinitionsandsharethefollowingdefinition
DEFINITION
WANTS are things you would like to have but you do not need to survive.
ACTIVITY: Needs v Wants (ACTIVITY–1B–1) (ACTIVITY–1B–2)
1. Startbyworkingasaclass:
a. CategorizethefollowingasaNEEDoraWANTandaskSstosharewhyitbelongsintheassignedcategoryandaddtheitemtotheirchart:
1. Nutritiousfood
2. Videogames
3. Clothing
4. Candy
2. PrintoutorhaveSscreatetheirownNEEDSvsWANTSchart.
3. Sswillwrite(ordraw)examplesofWANTSandNEEDSinthepropercolumn.
4. BringclasstogetherandhaveSssharewhattheylistedineachcategorywithanexplanation.
5. Asktheclassiftheyagree/disagreeandsharereasonswhy.
CHALLENGE QUESTION:Whatdoyouneedinordertopurchaseitemsyoulistedasneedsandwants?
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3ACTIVITY–1B–1
A C T I V I T Y
NeedsvWants
CHALLENGE QUESTION
What do you need in order to purchase items you listed as needs and wants? Money
WANTS
Things you would like to have but you do not need to survive.
NEEDS
Things that are necessary for you to live.
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4ACTIVITY–1B–2
A C T I V I T Y
NeedsvWants
CATEGORIZE THE PICTURES
AS A NEED OR A WANT
eNeed
rWant
tNeed
uWant
NEEDS
WANTS
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L E S S O N 2
FormsofMoney—COINSStudentswilllearnthehistoryofandhowtoidentifyCOINS.
2A: COIN CREATION
THE FIRST COIN
Coinsareaformofmoneythatpeopleusetopayforwhattheybuy,datingasearlyasthe7thcenturyB.C.
3 Acenturyis100years
3 The7thcenturywas2,700yearsago
3 VisittheBritish History Museumonlinetolearnmoreabouttheoriginsofcoins.
3 ShowSsimagesoffirstcoins
THE FIRST UNITED STATES COIN
In1793,thefirstAmericancoinwascreated.Itwasa:(FUN FACTS–2A–1)
3 Ahalfcentcoin
3 Madeofcopper
3 CreatedatthePhiladelphiaMint
IntheUnitedStates,moneyiscreatedatplacescalledmints.TherearesixmintsacrosstheUnitedStatesandcoinsareonlymadeatthefourofthemints.(FUN FACTS–2A–2)
3 Philadelphia(P)
3 Denver(D)
3 SanFrancisco(S)
3 WestPoint(W)
ThefourUnitedStatesMintscanmakeupto28billioncoinseachyear!
WatchavideofromtheUnitedStatesMintonhowcoinsarecreated.
ACTIVITY: Coin Creation (ACTIVITY–2A)
ACTIVITY–2A
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F U N F A C T S
FirstUnitedStatesCoinThe first American coin was:
A HALF CENT COIN, MADE OF COPPER, CREATED AT THE PHILADELPHIA MINT
FUN FACTS–2A–1
The first American coin
was created in 1793.
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F U N F A C T S
UnitedStatesMintLocations
e WEST POINT, NY
r PHILADELPHIA, PA
t WASHINGTON, D.C.
u FORT KNOX, KY
i DENVER, CO
o SAN FRANCISCO, CA
FUN FACTS–2A–2
The United States
Mints can make up to 28 billion coins
each year!
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A C T I V I T Y
CoinCreationAfter watching the United States Mint video on how coins are made, answer the following questions.
1. WhereareUnitedStatescoinscreated?United States Mints
2. Coinsaredesignedthroughmanysteps.Usethenumbers1–4toputthestepsinorder.
Sculptormakesminimodelofcoinonacomputerorinclay
Artistdrawslargepictureofwhatthecoinwilllooklike
Plastercastisscannedintocomputerthatturnsthedesignintocomputerdata
Aplastercastismadetosharpenacoin’sdetails
3. Whatarecoindisksmadeoutof?Long sheets of metal.
4. Thecoindisksneedtobeprepared.Usethenumbers1–5toputthestepsinorder.
Cleancoinstomakeshiny
Raisetherimsofbothsidesofthecoinusingupsettingmill
Givecoinsabath
Heatcoinstomakesoft
Coolcoins
5. Areallcoinsthataremintedapproved?No. Only the coins that do not have flaws are put into circulation.
ACTIVITY–2A
2
2
4
1
5
4
3
3
1
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2B: COIN FEATURES
Coinshaveverydetaileddesigns.SharewithSsthefeaturesofthecoins.
3 Shape–roundwitharimcalledanedge.
3 Obverse–thefrontofthecoin
3 Reverse–backofthecoin
3 Legend–awordorsayingatthetopofacoin.Examplesinclude“InGodWeTrust”or“Liberty”
3 Image–mainpictureonthecoin.Theimageiscalledabustorportrait.
3 Year–whenthecoinwasminted
3 Value–howmuchthecoinisworth
3 Field–decorationsonacoinsuchasstarsorolivebranches
3 Marks–wherethecoinwasminted
3 Philadelphia(P)
3 Denver(D)
3 SanFrancisco(S)
3 WestPoint(W)
ACTIVITY: Coin Features (AS–2B–1)
Sometimesthemintchangestheimagesthatappearoncoins.(FUN FACTS–2B)
3 Themintcurrentlyhasaprogramcalled“AmericatheBeautiful”thatfeaturesbeautifulplacesinourcountryonquarters.VisittheUnited States Mint’s webpagetoseethedesignsintheseries.
BothIllinoisandMissourihavetheirownAmericatheBeautifulquarter.Selectthequarteryouwilllearnaboutbaseduponyourschool’slocation.
MISSOURI
3 In2017,theOzarkRiverwaysquarterwasmintedhonoringMissouri.
3 AlleyMillwasasteelrollermillbuiltin1894thatwasusedtoturnwheatintoflour.
3 TheOzarkRiverwayswereestablishedin1964toprotecttheJackForksandCurrentRiversintheOzarkHighlands.
ILLINOIS
3 In2016,theShawneeNationalForestquarterwasmintedhonoringIllinois.
3 AviewofCamelRock,oneofthemostvisitedandwell-knownrockformationsattheShawneeNationalForest’sGardenoftheGods.
3 Ared-tailedhawk,awildlifespeciesthatcanbefoundinShawneeNationalForest.
ACTIVITY: Coin Design (AS–2B–2)
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A C T I V I T Y
CoinFeatures
Answer the questions and label the features of the coin.
ACTIVITY–2B–1
Whatistheshapeofthecoin?Round
Whatistherimofthecoincalled?Edge
Whatisthefrontofthecoincalled?Obverse
Namethefeaturesofthecoinindicatedbyeachnumber.
eLegend (In God We trust)
rImage
tYear (2019)
uValue
iField
oMarks (Philadelphia)
Whatisthebackofthecoincalled?Reverse
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F U N F A C T S
AmericatheBeautifulQuarters
MISSOURI
3 In2017,theOzarkRiverwaysquarterwasmintedhonoringMissouri.
3 AlleyMillwasasteelrollermillbuiltin1894thatwasusedtoturnwheatintoflour.
3 TheOzarkRiverwayswereestablishedin1964toprotecttheJackForksandCurrentRiversintheOzarkHighlands.
ILLINOIS
3 In2016,theShawneeNationalForestquarterwasmintedhonoringIllinois.
3 AviewofCamelRock,oneofthemostvisitedandwell-knownrockformationsattheShawneeNationalForest’sGardenoftheGods.
3 Ared-tailedhawk,awildlifespeciesthatcanbefoundinShawneeNationalForest.
FUN FACTS–2B
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A C T I V I T Y
CoinDesignDesign a coin that represents you.
Besuretoincludeallthecoinfeatures:
3 LEGEND –awordorsayingatthetopofacoin.Examplesinclude“InGodWeTrust”or“Liberty”
3 IMAGE –mainpictureonthecoin.Theimageiscalledabustorportrait.
3 YEAR –whenthecoinwasminted
3 VALUE –howmuchthecoinisworth
3 FIELD –decorationsonacoinsuchasstarsorolivebranches
3 MARK –wherethecoinwasminted
FRONT
BACK
ACTIVITY–2B–2
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2C: COMMON COINS
3 Coinsareaformofmoneyandtherearefourcoinsthataremostcommonlyused.(FUN FACTS–2C)AskSsiftheycanlistthecoinsand,astheyshare,askwhateachcoinisworth:
3 Penny–Onecent
3 Nickel–Fivecents
3 Dime–10cents
3 Quarter–25cents
3 Explaineachcoin’srelationshiptotheother:
3 Fivepennies=Onenickel
3 Twonickels=Onedime
3 Onenickel+Twodimes=Onequarter
ACTIVITY: Common Coins (ACTIVITY–2C)
2D: LESS COMMON COINS
3 AskSsiftheycanlistanyothertypesofcoins.
3 Halfdollar= 50cents
3 Sacagaweadollar= 100cents
ACTIVITY: Less Common Coins (ACTIVITY–2D)
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F U N F A C T S
CommonCoins Coins are a form of money and there are four coins that are commonly used.
Coins are related to each other in the following ways:
3 Fivepennies=Onenickel
3 Twonickels=Onedime
3 Onenickel+twodimes=Onequarter
FUN FACTS–2C
I think I understand!
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A C T I V I T Y
CommonCoins
1. Listthevalueofeachcoin.
2. Usethenumbers1to4tolistthesizeofcoinfromsmallesttolargest.
3. Doyouthinkthatcoinsthatarebiggerareworthmoremoneythancoinsthataresmaller?Yes No
4. Fillintheblanks:
Onedime=10 pennies Onequarter=25 pennies
5. Whydoyouthinkthatwehavecoinsthathavedifferentvalues?Allow Ss to list their answers.
1cent 5cents 10cents 25cents
ACTIVITY–2C
It’s fun learning about all the coins.
2 3 1 4
X
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A C T I V I T Y
LessCommonCoinsOther types of coins.
3 Halfdollar=50cents Sacagaweadollarcoin=100cents
3 Fillintheblanks:
Halfdollar=50 pennies Sacagaweadollar=100 pennies
Halfdollar=10 nickels Sacagaweadollar=20 nickels
Halfdollar=5 dimes Sacagaweadollar=10 dimes
Halfdollar=2 quarters Sacagaweadollar=4 quarters
ACTIVITY–2D
No Scotty, they are
pretty cool.
Fredbird, did you know about these
coins?
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L E S S O N 3
FormsofMoney—BILLSStudentswilllearnthehistoryofandhowtoidentifyBILLS.
3A: HOW BILLS ARE MADE
3 Whydoyouthinkbillsexist?
3 Billsareaformofmoneymadefromaspecialtypeofpapercalledcurrencypaper.
3 BillsareproducedbyU.S.MintsonlyandonlytwoMintsmakebills–Washington,D.C.andFortWorth,TX.
3 Watchthekids.gov videoonhowbillsaremade.
ACTIVITY: How Bills are Made (ACTIVITY–3A)
3B: TYPES OF BILLS
3 AskSsiftheycannamethetypesofbills.(FUN FACTS–3B)
3 $1bill
3 $5bill
3 $10bill
3 $20bill
3 $50bill
3 $100bill
3 Explainbills’relationtocoins:
3 $1= 100pennies
20nickels
10dimes
4quarters
3 $10= 10$1bills
2$5bills
ACTIVITY: The Value of Bills (ACTIVITY–3B–1)
ACTIVITY: Making Change (ACTIVITY–3B–2)
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A C T I V I T Y
BillCreationAfter watching the kids.gov video on how bills are made, answer the following questions.
1. Whatagencycreatesbills?Bureau of Engraving and Printing
2. Whatdotheytrytoshareoneachbill?Different aspects of the United States to share a story
2. Onwhatarebillimagesengraved?Steel plates
4. Listtheorderthatbillsareprinted.Usethenumbers1–3toputthestepsinorder.
Backsandfacesofnotesprinted
Serialnumber,treasurysealandfederalreservesealprinted
Backgroundimagesprinted
ACTIVITY–3A
I always wondered how
dollar bills were made.
2
3
1
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F U N F A C T S
TypesofBills
FUN FACTS–3B
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A C T I V I T Y
TheValueofBillsFill in the blanks for the following bills on your own or with the help of your teacher.
$20 20 $1bills
4 $5bills
2 $10bills
$50 50 $1bills
10 $5bills
5 $10bills
2 $20billsand1$10bill
$100 100 $1bills
20 $5bills
10 $10bills
5 $20bills
2 $50bills
ACTIVITY–3B–1
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A C T I V I T Y
MakingChangeYou are going to a Cardinals game and are purchasing some snacks.
Makechangeforyourpurchases:
1. Youbuycottoncandyfor$5.50.Yougave$10.00.Yourchangeis$4.50
2. Youbuya#1Cardinalsfanfoamfingerfor$8.25.Yougave$10.00.Yourchangeis$1.75
3. Youbuyicecreamfor$3.75.Yougave$5.00.Yourchangeis$1.25
4. YoubuyaCardinalshatfor$13.00.Yougave$20.00.Yourchangeis$7.00
5. Youbuyahotdog,chipsandsodafor$11.75.Yougave$20.00.Yourchangeis$8.25
ACTIVITY–3B–2
Cotton candy, that will be
$5.50.
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L E S S O N 4
EarningMoneyStudentswilldiscusswaysthatMONEY CAN BE EARNED.
4A: HOW TO EARN MONEY
Moneyisneededtobuyitemsyouneedorwant.Ifyoudonothavemoney,youwillnotbeabletopurchasetheseitems.Inordertoreceivemoney,youhavetoearnit.
ACTIVITY: Ways to Earn Money (ACTIVITY–4A–1)
ACTIVITY: Earning Money (ACTIVITY–4A–2–BEGINNER) (ACTIVITY–4A–2–ADVANCED)
AskSswhattypesofmoneyFredbirdandScottycanexpectpeopletomostcommonlyusetopayfortheiritems.
3 Quarters,$1bill,$5bill,$10bill,$20bill
AskSswhattypeofchangeFredbirdandScottyshouldhaveavailable.
3 Lotsofquarters,$1bills,$5bills,$10bills
SELECT PROBLEM BASED UPON GRADE LEVEL
Feelfreetomakeadditionaladjustments.
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A C T I V I T Y
WaystoEarnMoneyMake a list or draw pictures of ways that you can earn money.
ACTIVITY–4A–1
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A C T I V I T Y
EarningMoneyFredbird and Scotty are working a concession stand during a Cardinals game at Busch Stadium.
HowmuchmoneywillFredbirdandScottyearniftheysoldthefollowingquantities:
3 3 CANDY BARS
3 5 WATERS
3 7 SODAS
$ 17.00
3 6 CANDY BARS
3 3 WATERS
3 4 SODAS
$ 12.00
3 4 CANDY BARS
3 6 WATERS
3 8 SODAS
$ 20.00
ACTIVITY–4A–2–BEGINNER
CONCESSIONS
CANDY BAR $ .50
WATER $ 1.00
SODA $ 1.50
Welcome to the concession stand. Can we
help you?
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A C T I V I T Y
EarningMoneyFredbird and Scotty are working a concession stand during a Cardinals game at Busch Stadium.
HowmuchmoneywillFredbirdandScottyearniftheysoldthefollowingquantities:
3 13 CANDY BARS
3 15 WATERS
3 17 SODAS
$ 47.00
3 16 CANDY BARS
3 19 WATERS
3 26 SODAS
$ 66.00
3 24 CANDY BARS
3 30 WATERS
3 32 SODAS
$ 90.00
ACTIVITY–4A–2–ADVANCED
CONCESSIONS
CANDY BAR $ .50
WATER $ 1.00
SODA $ 1.50
Welcome to the concession stand. Can we
help you?
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L E S S O N 5
SavingMoneyStudentswilllearntheimportanceofandthedifferentWAYS TO SAVE MONEY.
5A: WAYS TO SAVE MONEY
3 AskSswhyitisimportanttosavemoney.
3 Sotheyhavemoneytopayfortheirneedsandwants,aswellasunexpectedemergencies.
3 AskSstogiveexamplesofhowtheyarecurrentlysavingmoney.
3 Intheirpiggybank
3 Inthecreditunionorbanksavingsaccount
3 Atthecreditunionorbank,SscanopenaSAVINGSACCOUNT.ASAVINGSACCOUNTisaplacewheremoneyiskeptsoitcanstaysafeandgrowintomoremoney.
3 Moneyisdeposited(putinto)theaccountsoyoucanstartsaving.
3 Ifyouneedmoney,youcanwithdraw(takeout)themoneytopayforyourneedsorwants.
3 Ifyouleaveyourmoneyinthesavingsaccount,itwillearninterest(asmallfee)thatthecreditunionorbankpaysyoutokeepyourmoneythere.
3 Whenyouearnmoney,youshouldpayyourselfbydepositingmoneyintoyoursavingsaccountbeforeyoubuyanything.Youshouldsave10%ofwhatyouearn.
3 Forexample,ifyouhave$10,put$1intoyoursavingsaccount.
ACTIVITY: Saving Money (ACTIVITY–5A)
1. Ssdrawtenrectanglesonapieceofpaper.Eachrectangleequals$1.00.
2. Sscoloroneoftherectangles.Onerectangle=10%
Savingmoneyhelpsyouprepareforfunactivitiesbutcanalsoprotectyouincaseofanemergency.
1. AskSstosharefunactivitiesthattheirfamilycouldsavefor.
2. AskSstogiveexamplesofunexpectedexpensesthatmighthavetocomeoutoftheirsavingsaccount.
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A C T I V I T Y
SavingMoneySaving money helps you prepare for fun activities but can also protect you in case of an emergency.
ACTIVITY–5A
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L E S S O N 6
BudgetingBasicsTolearnhowtheimportanceofaBUDGETcanhelppayforneedsandwants.
6A: BUDGETING YOUR MONEY
3 AskSsiftheycansharewhatabudgetis.
3 ABUDGETisaplanusedtodecidetheamountofmoneythatcanbespentandhowitshouldbespent.
3 Whenadultsplanabudget,theymustthinkabouttheneedsandwantsofthemselvesandtheirfamily.
3 Askstudentstoprovideexamplesofitemsthattheythinktheywouldneedtobudgetfor.
3 StudentsshouldbeginwiththeNEEDStheywillneedtobudgetforandthenlisttheWANTStheywouldliketoincludeinthebudget.
ACTIVITY: Creating a Budget (ACTIVITY–6A)
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A C T I V I T Y
CreatingaBudgetFredbirdandScottyareplanningapartyfortheirbaseballteamtocelebratetheseason.Theyhave $35 TO SPENDonitemsthattheyneedfortheparty.Thereare20 INDIVIDUALSontheteamincludingcoaches.
Fill out the following sheet:
3 Howmanyhotdogbunbagsdotheyneedtobuy?3 Howmuchwillthehotdogbunbagscost?$6.00
3 Howmanyhotdogpackagesdotheyneed?3 Howmuchwillthehotdogpackagescost?$9.00
3 Howmanypotatochippackageswilltheyneed?1 Howmuchwillthepotatochippackagescost?$4.50
3 Howmanyplatesandutensilsetswilltheyneed?1 Howmuchwilltheplatesandutensilsetscost?$2.75
3 Howmuchmoneydidtheyspendintotal?$22.25 Howmuchmoneydotheyhaveleft?$12.75
BONUS
Afterpurchasingneededitemsfortheirparty,FredbirdandScottyhavesomemoneyleftforitemsthattheywanttomakethepartyevenmorefun.
FredbirdandScottycanpurchaseanyofthelistedEXTRA ITEMSfortheirpartywiththeleftovermoney.
List what they will purchase and how much each will cost:
3 ItemDecorations (balloons, streamers) =$2.50
3 ItemIce cream sandwiches =$3.25
3 Item2 candy bags =$3.00
3 Howmuchdidtheyspend?$8.75
3 Howmuchdidtheyhaveleftover?$4.00
ACTIVITY–6A
Party List Hot dogs (8-count) $3.00Hot dog buns (8-count) $2.00Potato chips (20-count) $4.50Plates and utensils (set of 20) $2.75
Extra ItemsDecorations (balloons, streamers) $2.50Ice cream sandwiches (20-count) $3.25Candy bags (10-count) $1.50
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L E S S O N 7
AlternateFormsofMoneyStudentswilllearnaboutFORMS OF PAYMENTotherthancoinsandbills.
3 Youcanpayforneedsandwantswithcoinsandbillsbutyoucanalsouseotherformsofpayment.
3 AskSsiftheycannameotherformsofmoney.
7A: CHECKS
3 Acheckisapieceofpapergiventoyoubythecreditunionorbankwhichisconnectedtoyourcheckingaccount. (FUN FACTS–7A)
3 Youcanwriteachecktopayforanitem.
3 Youcanalsoreceivechecksasaformofpayment.
3 AskSstoshareatimetheyhavereceivedacheck.
Examples:Birthday,holidays
EXAMPLE
If your aunt writes you a check for $10 for your birthday, you would bring the check to the credit union or the bank to cash it. Cashing a check means that you receive the dollars and cents that are written on the check.
The credit union or bank will take the money out of your aunt’s checking account and give it to you.
3 Checksareasaferwaytosendmoneywithsomeone,especiallyifyouaresendingmoneythroughthemail.
3 AskSswhyusingacheckcouldbesafer.
3 Checkscanonlybecashedbythepersonwhothecheckismadeoutto.
3 Ifyoulosebillsorcoins,themoneyisgoneforever.Ifyouloseacheck,itcanbereplaced.
3 Whenwritingchecks,itisimportanttokeeptrackofthemsoyouknowhowmuchmoneyisleftinyourcheckingaccount.
ACTIVITY: Writing a Check (ACTIVITY–7A–1)
ACTIVITY: Using a Check Registry (ACTIVITY–7A–2)
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F U N F A C T S
Checkse Yourinformation(name,addressandsometimesaphonenumber)
r Checknumber(twolocations)
t Date–Today’sdate
u Paytotheorderof–Whomoneyisbeingpaidto
i Boxwithdollarsign–Amountbeingpaidinnumbers(Example:$10.50)
o Linewithdollarsatend–Amountbeingpaidwrittenoutinwords:andafractionoutof100
(Example:Tendollarsand50/100)
p Creditunionorbankinformation
a Memo–Noteofwhatthemoneywasspenton(Example:birthdaypresent)
s Signatureline
d Yourcreditunionorbank’sroutingnumber
f Yourcheckingaccountnumber
FUN FACTS–7A
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A C T I V I T Y
WritingaCheckUsingthePARTY LISTlistfromthepreviousactivity,writeacheckfor:
3 Neededitemsyoupurchasedforyourteamparty.
3 Wanteditems(extras)youpurchasedforyourteamparty.
ACTIVITY–7A–1
September 1, 2019
September 1, 2019
Grocery Store
Grocery Store
Fredbird
Fredbird
22.25
8.75
Party Supplies
Party Supplies
Twenty Two and 25/100 ——————————————————————————
Eight and 75/100 ——————————————————————————
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A C T I V I T Y
UsingaCheckRegistryYouhave$35.00inyourcheckingaccount:
3 Usetheregistertolisttheitemsyoupurchasedwithyourchecks.
ACTIVITY–7A–2
CheckbookRegistryNUMBEROR
CODEPAYMENTFEE
WITHDRAWAL(–) BALANCEDEPOSITCREDIT(+)
TRANSACTIONDESCRIPTIONDATE
Be sure to double check
your math.
$35.00
2019 9/1/19 Hot dog buns $6.00 $29.00
Decorations $2.50 $10.25
Potato chips $4.50 $15.50
2020 9/1/19
Plates and utensil sets $2.75 $12.75
Hot dogs $9.00 $20.00
Ice cream sandwiches $3.25 $7.00
Candy bags $3.00 $4.00
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7B: DEBIT CARD
3 Adebitcardisaplasticcardthatcanbeusedinsteadofcashorchecktobuythings.(FUN FACTS–7B/7C)
3 Adebitcardtakesthemoneyrightoutofyourcheckingaccountrightaway.
3 Itisimportanttosavemoneyandkeeptrackofthemoneyinyouraccountsothatyouhavemoneytopayforitems.
7C: CREDIT CARD
3 Acreditcardlookslikeadebitcardbutitisdifferentbecausewhenyouuseit,itdoesnottakethemoneyoutofyourcheckingaccount.(FUN FACTS–7B AND 7C)
3 Whenyouareusingacreditcard,youareborrowingmoneywiththepromisetopayitbacklater.
3 Youshouldonlybuyasmuchasyoucanpaybackonyourcreditcard.
3 Ifyoudonotpaybackthemoneyyouputonyourcreditcard,youwillowemoremoneythanyouspent.Thisiscalledafeeorinterest.
7D: GIFT CARDS
3 Agiftcardisaplasticcardthathasthenameofthestoreorrestaurantthatyoucanpurchaseitemsfrom.
3 Themoneyonagiftcardispreloadedwithmoney.Youcanonlypurchaseitemsfromtheplacethegiftcardisfrom.
3 Onceyouspendallthemoneyonthegiftcard,itisnotabletobeusedanymore.
ACTIVITY: Using a Gift Card (ACTIVITY–7D)
3 Asktheclass:
3 Howdifficultwasittosticktoyourbudget?
3 Whatweresomewaysthatyoufoundtostretchyourbudget?
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F U N F A C T S
DebitCardsandCreditCards7B: DEBIT CARD
3 Adebitcardisaplasticcardthatcanbeusedinsteadofcashtobuythings.
7C: CREDIT CARD
3 Acreditcardlookslikeadebitcardbutitisdifferentbecausewhenyouuseit,itdoesnottakethemoneyoutofyourcheckingaccount.
FUN FACTS–7B AND 7C
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Budget List Cardinals game ticket $18.00Cotton candy $8.00Chocolate chip cookie $4.00Ice cream small $5.00Ice cream large $7.50Corn dog $6.00Chicken sandwich $9.00Hamburger with fries $16.00Cardinals baseball cap $28.00Cardinals baseball t-shirt $20.00Cardinals baseball jersey $60.00
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A C T I V I T Y
UsingaGiftCardYouhaveagiftcardfor$100toattendaCardinalsgameatBuschStadium.Usingthelist,makeabudgetforwhatyouwillneedtopurchasetoattendthegame.
1. ListwhatyouNEEDtopurchasetoattendthegameandhowmuchitwillcost.A ticket – $18.00
2. ListwhatyouWANTtopurchaseandhowmuchyouwillspend.
3. Howmuchmoneydidyouspend?
4. Howmuchmoneydoyouhaveleft?
5. Isthereanythingyoucandotosavemoney?
ACTIVITY–7D
Gift Card
I can’t wait to use my gift card
at the game!
Ss can select from the list above to create their own math problems.