Literacy Level Units -...

Unit 1

Goals and Budgets

Literacy Level Objectives:

Identify goals, including personal, family, educational, and material.

Identify income and expenses and create a budget. Identify ways to make adjustments to income after expenses in

order to achieve goals. Language and EFF skills*: planning; using math to solve

problems and communicate; solving problems and making decisions

*EFF = Equipped for the Future In this unit

Goals in Writing = Budget The New Restaurant Picture Story and Activities Making a Budget Making Changes to a Budget to Save Money Reflection

Materials Overhead 1-A: The New Restaurant Picture Story Overhead 1-B: Monthly Budget Worksheet - Answer Key Worksheet 1-2: The New Restaurant Picture Story and Activities Worksheet 1-3: Monthly Budget Worksheet Worksheet 1-4: Personal Budget Worksheet Visuals 1-3: Concentration Game and Budget Activity Clip Art

Background Information for Teacher Reference Literacy Level

Financial Literacy Gains Chart for Ongoing Assessment: chart that can be used throughout Money Talks lessons to record student gains in financial literacy.

Using Picture Stories: Review Picture Story Technique: Letting the Pictures Tell the Stories in the Teacher’s Guide.

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1. Ask students to take another look at their "dream cloud" goals from the Needs Assessment.

2. For students who were absent for the needs assessment, ask them what they want to do or buy in the future.

3. Ask students how they think they will be able to save the money they need for the things they want to buy or do. As a class discuss questions like

a. Do you have extra money from your paycheck after paying all your bills? b. What do you do with extra money? c. If you do not have any money left, is there anything you can change to have some

money? d. What can you do to save money for the future, and not spend it? (Answers may

include “put it in the bank”, etc.) e. Do you write down how much you spend? Why might you do this? f. What is a budget?

Unit 1 Goals and Budgets Literacy Level Presentation: The New Restaurant Picture Story and Activities

Materials Overhead 1-A: The New Restaurant Picture Story Worksheet 1-2: The New Restaurant Picture Story and Activities

1. Follow the instructions for Picture Story Best Practices (in the Teacher’s Guide) and generate a story.

2. Complete the picture story activities. 3. Review the answers to the New Restaurant fill-in-the-

blank activity.

Answers: are, budget, save, opens, plans, fun, busboy.

4. For additional practice in class or at home, have students rewrite the story.

The New Restaurant

Chen and Soo are friends. They work at a restaurant. They are busboys. They dream about opening a restaurant. It is their goal.

Chen plans his budget. He saves $300 a month. He watches television. He goes to the park and plays games at home with his family. They have fun. After three years, he has $10,800. He opens a restaurant.

Soo plans his budget. He spends all his money. He buys a big screen television. He travels to Disneyland and goes to the movie theater with his family. They have fun. He does not save money.

After three years, Soo is a busboy. He works at Chen's new restaurant.

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Materials Overhead 1-A The New Restaurant Picture Story Worksheet 1-3: Monthly Budget Worksheet Overhead 1-B: Monthly Budget Worksheet - Answer Key Visuals 1-3: Concentration Game and Budget Activity Clip Art Printed pictures from Part 2 of Visuals 1-3 Calendar

Part I: Build a word bank 1. Show Overhead 1-A, the picture of Soo sitting

down to make his budget. 2. Look at the amounts shown in the piggy bank and

point out that Soo does not save any money. 3. Make a chart on the board with two columns: 1)

“Get $ (Income)” and 2) “Spend $ (Expenses)”. *For this brainstorming activity, lead students to use the vocabulary in Worksheet 1-3.

4. For column 1, ask students “Where/How do you get your money?” Write responses (job, social security, etc.).

5. For column 2, ask students “Where/How do you spend that money each month?” Write responses.

6. After students have generated a list of vocabulary, print out the pictures from Part 2 of Visuals 1-3. These represent each budget item. Tape each picture into your second column. Some will match students’ responses, but if they do not, show the additional pictures and use related vocabulary words. In Part 1 of Visuals 1-3, you can see which words relate to each visual.

7. To reinforce vocabulary, go through each of the pictures on the board, one by one, and ask students what each picture represents. Write the words on the board. Focus only on discussion at this point. Lead students to the vocabulary words that they will work with in this activity.

8. Go through each word, one by one, and have students listen and repeat the words. Try to do only a couple at a time and then review before moving on to the next several words.

Part II Discuss how to plan for bills that are paid yearly, monthly or weekly.

1. Look at a calendar and point to items on your expenses list, like rent, and ask, "When do you pay rent?" Answers may vary but emphasize the point that it is usually paid every month - and show this using your calendar.

2. Then, from your list on the board, ask students, "When do you pay for your vacation?” Show that, for example, in July, Soo's family took a vacation to Disneyland, and paid $600.

Part III Reinforce vocabulary and budgeting concepts with matching and dictation.

1. Pass out Worksheet 1-3, Monthly Budget Worksheet, and have students work in pairs to complete the first activity, the matching exercise. Check answers as a class.

2. Next, have students turn to page 3 of Worksheet 1-3. From the Monthly Budget Answer Key, Overhead 1- B, dictate the amounts for Soo and Jin's budget for students to fill in. Do not show students the overhead yet.

3. After completing the dictation, have students compare answers, then dictate again

a. If students need practice with numbers, dictate the amounts, write them on the board, and have students copy them.

4. Next, have students write in the vocabulary words that correspond to the pictures and amounts.

5. Show Overhead 1-B and have students check their dictation amounts. Then, as a class, fill in the related vocabulary words on the overhead.

Part IV Review and extension

1. Review: Ask questions about the picture story: for example, "How much is Soo's electric bill?" or "What costs $50?"

2. Extension: To extend this activity and continue practicing amounts, students, in pairs, can ask each other, "What costs ?" and “How much is ?”

3. Extension: In small groups, students can play the Concentration Game (see materials).

a. Game pieces are on the first two pages of Visuals 1-3.

b. Have groups cut up all the pictures and words, and have them match the picture(s) with the correct word(s). One set of words is needed for each group. In Visuals 1-3, words are grouped into two sets of 9-10 words.

c. Break the sets of words down into smaller sets depending on each group's literacy level.

Literacy Level

Materials

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Worksheet 1-3 (page 5): Monthly Budget Worksheet Worksheet 1-4: Personal Budget Worksheet

1. Review the picture story. Show how Chen saved money each month and how Soo did not.

2. Tell students they can help Soo save money and open a restaurant in the future. Have students work in groups of three to five to come up with a list of ideas for how Soo and Jin can save $100 a month (the last activity on Worksheet 1-3, page 5).

3. As a whole group, discuss the ideas students generate.

4. Extension: have students complete a budget worksheet for themselves. Tell students to write in their own amounts on Worksheet 1-3, pages 3 and 4 (with pictures) and/or make students a copy of Worksheet 1-4, which is a more detailed budget that they can do with family members who know English. *Because of the personal nature of the information, please do not have students complete their personal worksheet in class.

ReflectionUnit 1 Goals and Budgets Literacy Level

Materials Financial Literacy Gains Chart for Ongoing Assessment

1. Ask students to write down one thing they learned in class today. It could be a new concept, a new word, or a new grammar point.

2. Student may also discuss what they learned as a class with each student contributing one new thing.

3. Fill in the Financial Literacy Gains chart while students reflect on the unit.

Unit 1 Goals and Budgets Literacy Level Materials

The New Restaurant-Literacy Level Lesson 1: Goals and Budgets Picture Story Overhead 1-A

VALRC Money Talks Literacy Level Unit II: Planning for the Future

http://valrc.org/index.html

Monthly Budget Worksheet Lesson 1: Goals and Budgets Answer Key Overhead 1-B pages 1-3

EXPENSES PER MONTH

Dictate the amount below to students. As a class, write the vocabulary words. Note: *Yearly items divided by 12 months Example: vacations = $600 or 600÷12=$50 per month

$ 800 rent

50 electric bill

$ 20

$ 250

$ 200

$ 50

100

$

$

$ 30

$ 40

$ 60

$ 50

$ 30

$ 50

$ 50

$ 10

$ 160

$ 50

$ 100

The New Restaurant-Literacy Level Lesson 1: Goals and Budgets Picture Story & Activities Worksheet 1-2 page 1

Talk about the pictures. Listen to the story. Learn new vocabulary.

VALRC Money Talks Literacy Level


The New Restaurant-Literacy Level Lesson 1: Goals and Budgets Worksheet 1-2 page 2

The New Restaurant

Chen and Soo are friends. They work at a restaurant. They are busboys. They dream about opening a restaurant. It is their goal.

Chen plans his budget. He saves $300 a month. He watches television. He goes to the park and plays games at home with his family. They have fun. After three years, he has $10,800. He opens a restaurant.

Soo plans his budget. He spends all his money. He buys a big screen television. He travels to Disneyland and goes to the movie theater with his family. They have fun. He does not save money.

After three years, Soo is a busboy. He works at Chen's new restaurant.




The New Restaurant - Match the picture with the sentence.




A New Restaurant

Fill in the blanks with the correct word. Rewrite the story at the bottom.

opens saves budget fun plans are busboy

Chen and Soo are friends. They work at a restaurant. They busboys. They dream about opening a restaurant. It is their goal.

Chen plans his . He _ $300 a month. He watches television. He goes to the park and plays games at home with his family. They have fun. After three years, he has $10,800. He _ _ a restaurant.

Soo his budget. He spends all his money. He buys a big screen television. He travels to Disneyland and goes to the movie theater with his family. They have . He does not save money.

After three years, Soo is a _. He works at Chen's new restaurant.

Rewrite the Story



Concentration Game and Budget Visuals-Literacy Level

Part 1: Goals and Budgets-Activity 1-3 Concentration Game-Word Group 1

Lesson 1: Goals and Budgets Visuals 1-3

rent

electric bill

water bill

food

car payment and car insurance

car repairs

gas

transportation – bus, train, taxi

telephone and cell phone bills

Goals and Budgets - Activity 1-3 Concentration Game - Word Group 2

doctors and dentists

restaurant food

cable TV

clothes and shoes

toiletries and medicines

haircut

send money home

travel and vacations

gifts, computers, TVs and other things

Part 2: Goals and Budgets-Activity 1-3-Visuals for Budget Activity

Matching - Match each picture with a word

Monthly Budget Worksheet Lesson 1: Goals and Budgets Literacy Level Worksheet 1-3 page 1

or words

car repairs

food

telephone and cell phone bills

rent

electric bill

gas

doctor and dentist bills

water bill

car payment and car insurance


transportation - bus,

train, taxi



Matching - Match each picture with a word or words

clothes and shoes

cable TV

toiletries and medicine

restaurant food

send money home

haircut

travel and vacations

gifts, computers, TVs, other things

VALRC Money Talks Literacy Level Unit II: Planning for the Future



Monthly budget for Soo and his wife Jin and their two children INCOME

EXPENSES

Soo = 1,600

Jin = 400

$2,000 = Total income per month

Write the number your teacher says. Then, write the vocabulary word using the words from the matching activity above.

$ 800 rent

$ 50 electric bill

$

$

$

$

$




$

$

$

$

$

$

$

$

$

$

$




What is Soo and Jin’s Monthly Income $ 2000 What are Soo and Jin’s Monthly Expenses - $ 2000 How much do they save each month? $ 0

Soo wants to own a restaurant. Soo and Jin need to save $100 a month. With your group, help them think of ways to save money every month.

1.

2.

3.

4.

5.



Personal Budget Worksheet Lesson 1: Goals and Budgets Worksheet 1-4

Complete the budget worksheet for you and your family

My goal is to save $ a month. I want to $ in months/years.

Monthly Income Monthly Expenses $ from your job after taxes (you) $ Housing Expenses $ from job after taxes (wife/husband)

$ Apartment rent or home mortgage $

Retirement or social security benefits

$ Property tax/home insurance $

Government assistance $ Home maintenance/repairs $ Alimony/child support $ Gas and electricity $ Other income $ Water $

Total Monthly Income $

Other Expenses Car loan $ Car insurance $ Car maintenance/repairs $ Gasoline $ Public transportation (bus/metro/taxi) $ Credit card payments $ Loan payments $ Telephone $ Cell phone $ Doctor/dentist $ Insurance (other than car) $ Entertainment Cable television $ Restaurants and clubs $ Video rentals $ Other $

$

Clothing $ Alimony/child support $ Other expenses Cigarettes $ Gym membership $ $ $ $

$

Total Monthly Expenses $ What is your total monthly income $ What are your monthly expenses $ What is your monthly income after expenses (Savings) $ What are ways you can save money?

Unit 2 Saving Money

Literacy Level

Objectives:

Identify vocabulary and concepts related to saving money. Understand eligibility requirements for opening a bank

account. Understand the importance of saving money for

emergencies. Language and/or EFF skills: read with understanding; solve

problems and make decisions

In this unit

Activity 2-1: Savings Accounts and Related Fees

Activity 2-2: The Car Accident Picture Story and Activities

Activity 2-3: Necessary Documentation to Open a Bank Account

Final Activity: Reflection

Materials

Overhead 2-A The Car Accident Picture Story

Worksheet 2-2 The Car Accident Picture Story and Activities

Background Information for Teacher Reference Literacy Level

Financial Literacy Gains Chart for Ongoing Assessment: chart that can be used throughout Money Talks lessons to record student gains in financial literacy.

Using Picture Stories: Review Picture Story Technique: Letting the Pictures Tell the Story in the Teacher’s Guide.

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Literacy Level

1. Discuss with students: a. Do you save money? b. What do you save money for? c. Where do you save money? (Under the bed, at home, at the bank?) d. In your country, is it safe to save money at home or at a bank?

2. Next, if the following terms do not come up in the first warm up, write the words "emergency" and "crisis" on the board and ask what the words mean.

a. Make a list on the board of potential emergencies or crises. b. *Note: If students only offer health-related examples, add "lose job/get fired" and

"need to travel to country" as additional examples. 3. Ask the following questions for each list item. Mark items that cost money with a $.

a. Does this cost money? b. Do you get a bill for this? c. How much do you think it costs?

4. Wrap-up: Discuss a. Does your family have medical insurance? b. Have you ever had a medical emergency or other kind of emergency? c. Ask students if they think it is important to save for emergencies and why.

Materials

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Overhead 2-A: The Car Accident Picture Story Worksheet 2-2: The Car Accident Picture Story and Activities Part I

1. Look at the Car Accident Picture Story on the overhead projector.

2. Covering the other pictures, look at only one picture at a time and ask questions such as

a. Where are they? b. What's the matter? c. Can they work? d. Can they pay their bill?

3. Write key words and phrases on the board about saving money for emergencies. Write down one or two words per picture on the overhead.

4. After you have discussed the entire story and students have generated their own vocabulary and ideas, read the story while students look at the overhead.

The Car Accident Fatima and Alina are office cleaners. Fatima buys a new dress. Alina has $1,000 in her piggy bank.

They have a car accident. Alina has a broken leg. Fatima has a broken leg. Alina pays her bill. Fatima can't pay her bill.

Their boss says, "No work, no pay."

Alina rests at home for six weeks. She watches TV with her children. Fatima needs to move out of her apartment.

After two months, Fatima says, "I have $250 in my piggy bank."

Part II

• Pass out Worksheet 2-2, The Car Accident Picture Story and Activities

• Re-read the story while students look at the pictures and the corresponding sentences.

• Then ask students to read the story themselves. • Next, ask students to complete the matching activity, the

rewriting the story activity, and the fill-in-the-blank exercise. They can do this individually then compare with a partner.

• When students are finished, have them get into groups of 2 or 3 and talk about ways to save money every month.

• Ask the groups to share their ideas and make a list on the board for students to copy.

Materials

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Snaving Money

Financial Literacy Gains Chart for Ongoing Assessment

Literacy Level

1. Ask students to write down one thing they learned in class today. It could be a new concept, a new word, or a new grammar point.

2. Students may also discuss what they learned as a class, with each student contributing one new thing.

3. Fill in the Financial Literacy Gains chart while students reflect on the unit.

Unit 2 Saving Money Literacy Level Materials The Car Accident Lesson 2: Saving Money Picture Story – Literacy Level Overhead 2-A page 1

Talk about this picture.

Where are they? What’s the matter? Can they work? Can they pay their bill?



The Car Accident Lesson 2: Saving Money Picture Story – Literacy Level Overhead 2-A page 2



The Car Accident – Literacy Level Lesson 2: Saving Money Picture Story and Activities Worksheet 2-2 page 1

Look at the pictures while your teacher reads the story. Then listen again and look at the words.




The Car Accident

Fatima and Alina are office cleaners. Fatima buys a new dress. Alina has $1,000 in her piggy back.

They have a car accident. Alina has a broken leg. Fatima has a broken leg. Alina pays her bill. Fatima can’t pay her bill.

Their boss says “No work, no pay.”

Alina rests at home for six weeks. She watches TV with her children. Fatima needs to move out of her apartment.

After two months, Fatima says I have $250 in my piggy bank.




The Car Accident - Match the picture with the word or words.




Use these words to complete the story.

accident at buys $250

pay leg piggy

Fatima and Alina are office cleaners. Fatima _ a new dress. Alina has $1,000 in her _ bank.

They have a car . Alina has a broken leg. Fatima has a broken . Alina pays her bill. Fatima can’t pay her bill.

Their boss says “No work, no .”

Alina rests home for six weeks. She watches TV with her children. Fatima needs to move out of her apartment.

After two months, Fatima says “I have in my piggy bank”.

Rewrite the story on another paper.

Think about ways you can save $50 a month.

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2.

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