Earning Income

Focuses on financial decision-making by distinguishing essential needs from discretionary wants to fix a deficit.

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Introduces income and expenses through categorization and brainstorming, ending with a personal T-chart.

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A culminating project where students create a budget to reach a specific savings goal while managing weekly expenses.

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Teaches students how to record transactions and maintain a running balance using a simple ledger.

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Challenges students to solve budget emergencies and navigate financial deficits using problem-solving strategies.

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Students master the skill of recording transactions in a financial ledger, ensuring accuracy in calculating a running balance.

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Students synthesize their learning to create a forward-looking cash flow plan that balances expenses while hitting a specific savings goal.

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Students analyze pre-filled ledgers to identify deficits and 'spending leaks', acting as budget doctors to fix financial health.

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Students differentiate between income and expenses and learn to categorize fixed and variable spending using a 'Mystery Wallet' simulation.

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Through a 'Life Happens' simulation, students practice adjusting their spending and making trade-offs between needs and wants.

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Students define income and expenses and practice the foundational skill of recording transactions in a ledger to maintain a running balance.

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Students reflect on their financial choices, identify spending leaks, and create a revised budget for future stability.

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Students navigate weeks three and four of the simulation, encountering unexpected costs and learning to prioritize needs over wants.

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Students calculate their final monthly totals, identifying surpluses or deficits and visualizing their spending patterns.

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A simulation of the first two weeks of a month where students make spending decisions for a fictional character and record them in real-time.

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Students face a deficit scenario caused by an unexpected expense. They must analyze their spending to identify 'wants' that can be cut to balance the budget and return to a positive balance.

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Students apply their skills to create a forward-looking plan with a specific savings goal. They learn the 'pay yourself first' principle by intentionally allocating money for savings before spending on non-essentials.

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Students are introduced to the core concepts of money flow by sorting various financial scenarios into 'money in' (income) and 'money out' (expenses). This foundational lesson ensures students can correctly identify the direction of cash flow.

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Students analyze potential purchases to determine which items are essential (needs) and which are optional (wants). Through a limited-budget simulation, they practice making difficult spending decisions.

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Students learn the mechanical skill of tracking money by maintaining a simple transaction log. They practice data entry and basic arithmetic to keep a running balance of a fictional account.

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