Table of Contents
What's in Financial Literacy Lessons and Activities 6
How to Use Financial Literacy Lessons and Activities 9
Reproducible Student Resource/Reference Pages
Play Money Cutouts 10
How to Add and Subtract Decimals 11
How to Multiply and Divide Decimals 12
Checkbook Register 13
Circle Graphs 14
Vocabulary Definitions 15
Units
Buying and Selling at the Store 18
Financial Concepts: Buyers distinguish between their own needs and wants, which vary from person to person.
Buyers should consider cost vs. benefit (is it worth what you're paying?).
Math Skills: subtraction, multiplication, division, fractions, currency
Earning Money at a Job 30
Financial Concepts: Different jobs require different skills.
Employers pay what they think the skills are worth.
Skills take different amounts of time and training to acquire.
Math Skills: multiplication, division, currency
Making and Following a Budget 42
Financial Concepts: A budget is a plan for balancing money earned and spent.
A budget helps you save for long-term goals.
Math Skills: addition, subtraction, multiplication, division, decimals, currency
Paying at a Restaurant 54
Financial Concepts: All choices have an "opportunity cost": the benefit of the options you don't choose.
Buyers prioritize or rank what they want.
Math Skills: addition, multiplication, division, rounding, rates, currency
Using Banks 66
Financial Concepts: Banks have many services, including savings, checks, and lending money.
Banks bring borrowers and lenders together.
Banks charge money for their services.
Math Skills: addition, multiplication, rates, currency
Paying to Go Places 78
Financial Concepts: There are many services involved in entertainment, both hidden and visible.
Public transportation maybe more affordable than a personal car.
Math Skills: addition, subtraction, multiplication, data tables, currency
Using Credit Cards 90
Financial Concepts: Credit cards allow delayed payment for goods and services.
The longer you take to pay, the more you pay.
Credit habits affect the ability to get loans.
Math Skills: addition, subtraction, multiplication, decimals, currency
Paying Bills 102
Financial Concepts: There are many recurring costs involved in running a household.
People pay for services that provide power, water, and communication.
People pay for ongoing subscriptions, lessons, and memberships.
Math Skills: addition, subtraction, division, graphs, decimals, currency
Paying for Health Services 114
Financial Concepts: People pay for healthcare workers, medicines, and medical treatments.
Some services, including public health, are paid for by governments.
Many people buy insurance to lower the cost of healthcare.
Math Skills: addition, subtraction, decimals, currency
Paying Taxes 126
Financial Concepts: People pay taxes on most money earned or spent.
Tax money pays for things that benefit everyone in the community.
Math Skills: addition, multiplication, decimals, rates, currency
Answer Key 138
