Here’s everything you need to transform your students into Money … · 2017. 10. 20. · One of the reasons children find Money Savvy Kids™ so engaging is the Money Savvy Pig®

2

Dear Teacher:

If you’re like most of the elementary school teachers I’ve met over the last few years, you’ve been asked to teach a unit on basic personal finance skills.

Great idea, you say, but where’s the curriculum? As you know, most are either way above your students’ heads, dull as dishwater, or sketchy (you have to do a lot of work researching, interpreting confusing directions or creating most of the material yourself).

That’s why I developed Money Savvy KidsTM — a completely self-contained, multi-grade, cross-curriculum program with a spiral construct—designed to teach young children basic money management skills. It’s received rave reviews from teacher and students in schools all across the country. Now the materials are in your hands:

• Teacher Handbook, complete with step-by-step instructions and teaching script

• Presentation Materials (on CD-ROM)

• Student Workbooks

• The Money Savvy Pig® with slots for Save, Spend, Donate and Invest and a set of goal-setting stickers.

The curriculum’s simple approach gives you everything you need to inoculate children against one of America’s biggest problems: personal bankruptcy.

In my years as a private banker and as an educator, I’ve learned that you cannot begin too young to develop in kids a sense of delayed gratification and to teach them the crucial life skills associated with responsible money management. If we wait until they are older, we run the risk of allowing them to develop bad money management habits that can take them years to overcome.

Please enjoy every moment of Money Savvy KidsTM. It’s sure to be one of your most popular units this year.

Sincerely,

Susan Beacham, FounderMoney Savvy Generation

Here’s everything you need totransform your students into Money Savvy Kids.

Meet the Money Savvy Pig® . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Letter to Parents About Money Savvy KidsTM . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Lesson 1: Budgeting and Choices . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Lesson 1: Student Activity Answer Keys . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .23

Lesson 2: Saving and Investing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .27


Lesson 3: Philanthropy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .49


Lesson 4: Ways to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .65


Table of Contents

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One of the reasons children find Money Savvy Kids™ so engaging is the Money Savvy Pig®. As you can see, he’s different from an ordinary piggy bank, with four places to put money: Save, Spend, Donate and Invest. As the mascot for the curriculum, the Money Savvy Pig® will pop up from time to time with fun facts about money.

You will use the Money Savvy Pig® for demonstration purposes as you teach these materials. If your students have been exposed to earlier grade levels of this curriculum, they very likely will have received their very own Money Savvy Pig® piggy bank to help them get started down the path of setting and achieving personal financial goals.

Please copy the Parents Letter on the following page and send it home with your students before you begin teaching Money Savvy Kids™. This letter will introduce them to the important material that you will soon be sharing with your students.

Meet the Money Savvy Pig.

4© 2005 Money Savvy Generation, LLC All Rights Reserved

®

Dear Parents:

I’m happy to announce that soon we will begin teaching a unit on personal financial management. This unit is from a multi-year, cross-curriculum program called Money Savvy Kids™. This program aligns to the academic goals that we have in place for social studies, math and reading, and teaches the skills of basic personal finance. By the end of this unit you should have a Money Savvy Kid™ living in your house!

In the coming weeks your child will learn dozens of basic economic and financial concepts. The lessons that we will be teaching include:

• Lesson 1: Budgeting and Choices

• Lesson 2: Saving and Investing

• Lesson 3: Philanthropy

• Lesson 4: Ways to Pay

In the coming weeks there will be many opportunities for dialogue in your household on these and other financial topics. You child will likely come home with questions about how some of the economic and financial concepts learned in class apply to your daily lives. I hope that these discussions will enrich your child’s learning and understanding.

Sound management of personal finances is a crucial life skill. According to national research, most parents wish that they had been taught personal finance when they were in school. I am pleased to be able to give your child the long-term advantages that this type of learning will provide.

Thank you in advance for your support and participation. And get ready to hear words like “saving,” “investing” and “tax-deferred” around your house!

Sincerely,

www.MSGen.com

Hi! I'm theMoney Savvy Pig®.

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6

Lesson 1: Budgeting and choices

© 2005 Money Savvy Generation, LLC All Rights Reserved

Here’s what you will achieve: Lesson 1 drives home the importance of smart spending in simple and relevant ways for kids. Whether it’s learning how Ron Weasly’s parents saved for his Nimbus 2000 or how Billy blew his budget, each lesson demonstrates the importance of being fiscally responsible. By building on the basic principles of budgeting and saving, you will be able to demonstrate the value of being money savvy.

Use the corresponding “Teaching Script” for each transparency to engage and educate your students. Directions for other actions, such as showing a carton of milk and a candy bar, will be in parenthesis. At the end of this lesson, there is a letter that will be needed for Lesson 2. Please make copies of the letter, sign them and give each student a signed letter to take home to his/her parents.


The name of the game is budgeting.

L1.6

Your parents have to keep track of money that’s coming in on their paycheck and going out in bills so

they can budget for the clothes you wear, the food you eat, the TV you watch and the games you play.

If the bill wasn’t paid, the electricity would be shut off. So would the TV, and the video game system.


L1.14

Investing earns a lot more interest than saving, but you can’t touch your money for years.

Keep your paws off the cash ‘til your ready for college

Here’s what you will need:Lesson 1: Budgeting and choices

The Gotta Have It Gauge

L1.10

Do I really need this?

1.

2.

3.

4.

5.Will I still want it tomorrow?

Do I really have to buy it now?Am I sure I’ll wear it or use it a lot?

Will I have money to get the other things I want?

New Terms Learned: Accountable Fiscal Responsibility Prioritize Budget Impulse Purchase Want Disposable Income Needs Enterprising Paycheck

7

Your Lesson 1 transparencies

Dollar bills A compass (optional)

Pennies, nickels, dimes and quarters

A small carton of milk and a candy bar

Different colored chalk for a chalkboard exercise

Lesson 1 worksheets found in the Student Workbook

Lesson one

Worksheet 1: How do you define smart spending?

Show me how savvy you are about saving and

budgeting by solving this Smart Spender crossword

puzzle. The first team to win will get a $10 credit

toward the next exercise.

1


1.6.

2.

10.

7.

3.

4.

9.

8.

5.

1 across –2 words

Where you deposit money in a

bank and keep it there until you

withdraw it

2 down – 1 word

A plan for saving and spending

your money

3 across – 1 word

To put money into an account

4 down – first of two words

The type of income you have

after you pay for the things

you need

7 across – one word

Payment someone receives

for doing their job

8 across – one word

To put things in order based

on how important they are

9 down – one word

Things we enjoy

10 down – one word

To take money out of a

bank account

5 across – first of two words

Responsibility that has to do

with money

6 down – one word

Things it’s hard to get

by without

Smart Spending

Open Crossword Puzzle

Lesson oneWorksheet 3: What did you learn about budgeting?

3


OK, we’re going to use the Gotta Have It Gauge

from Lesson 1 to see if you’ve really gotta have it

or you just think you do. Do you have your pictures ready?

Here’s the goal: Get out your pictures that represent the three items on your wish list. Take one at a time and

ask yourself the five questions on the Gotta Have It Gauge. Now write your results below. When you’re done,

pick which item would stay on your Wish List, and write a sentence or two explaining why. Then write down

anything you can do to make getting that special item possible.

GOTTA HAVE IT GUAGE:Do I really need this?If not, will I still want it tomorrow?

Do I really have to buy it now?Am I sure I’ll wear it or use it a lot?If I buy it now, will I have money to get the other things I really want?

ITEM ONE: ________________________________________________________________________________________

ITEM TWO: ________________________________________________________________________________________

ITEM THREE: ______________________________________________________________________________________

If you had to pick one item to stay on your Wish List, which one would it be?

__________________________________________________________________________________________________

__________________________________________________________________________________________________

Why?______________________________________________________________________________________________

__________________________________________________________________________________________________

Lesson one

Worksheet 2: How can you gauge your spending?


Ready to dive into a cool challenge? Well here’s your chance to take some of the valuable lessons you’ve just learned and apply them to buying gear

for a scuba diving expedition. Good luck!

Each team will be given a budget. You can “go shopping at the Diving Store” and buy anything on the list, butyou can’t go over your budget. When you’re done, a spokesperson from each team will explain to the class whyhis or her team made the decisions they made and how much money, if any, they have left. Remember, one lucky team has an additional $10 to spend anyway they want.

FOR NEXT WEEK’S CLASS: BRING IN 3 PICTURES THAT REPRESENT THREE THINGS THAT WOULD BE ON YOURWISH LIST. THE PICTURES CAN BE DRAWN, TORN OUT OF MAGAZINES OR PRINTED OFF THE INTERNET.

THE BUDGET: $250 DIVING STORE:

Diving Gear $125Rubber Duck $5Waterproof Camera $15Sunscreen $10Gatorade $1 per bottleSunglasses $10Beach Chair $20Life Jacket $25Beach Towel $15Energy Bar $2 Deck of Cards $2Television $200Boom Box $50Beach Ball $5Sandwich $2First Aid Kit $12Gym Shoes $50Marshmallows $5Jacket $30Case of 24 Twinkies $10Cell Phone $50Bottle of Juice or Water $10

Make your choices and add them here:

$250Total Budget Total Spent

- =Money

Left Over

Lesson 1, Transparency 1

This Teaching Script goes with

Today, we’re going to start a special program that will help you learn (more) about what it means to be a Money Savvy Kid. To be savvy is to be really smart about something.

The smarter you are about money, the more confident and secure you’ll be out in the world. You’ll know how to budget money, how to save it, and how to invest it. In other words, you’ll learn how to take charge of your finances so you can put your money to work for you.

What do you say we grab the bull by the horns?



Other Discussion Starters:

Does anyone know what it means to “grab the bull by the horns”?

How is that an advantage when managing your money?


L1.1


The smarter you are about money, the more

confident and secure you’ll be out in the world.

You’ll know how to budget money, how to save it,

and how to invest it. In other words, you’ll learn

how to put your money to work for you.

This kid meansbusiness!

Grab the bull by the horns.

8



How many of you have heard your mom or dad say something like, “We can’t get that today honey. It’s not in the budget.”

What is a budget? A budget is a plan for spending and saving your money. It makes it possible for you to keep track of your money so you can pay for those things you need (show a carton of milk) and save for the things you want (show a candy bar).

Money Savvy people develop a budget and stick to it. This month, a three-headed purple people eater isn’t in the budget. Maybe next month it will be.




Who can tell me some other things we need to budget for?

Why is budgeting important?


A budget sets limits.

L1.2


How many of you have heard your mom or dad say something like, “We can’t get

that today honey. It’s not in the budget.”

Money Savvy people develop a budget and stick to it. This month, a three-headed

purple people eater isn’t in the budget. Maybe next month it will be.

9



Needs aren’t the same as wants.There are basic human needs – things like clothing to wear, a place to live, and food to keep us going. Then there are things like electricity and heat and gas for the car that are essential—or important—because they make our day to day lives more comfortable.

Wants are things we enjoy, like ice cream and toys. It’s OK to get those things, but only after we make sure all of our basic needs are met. That’s why saving money, budgeting and prioritizing our needs are so important. If we look at the items surrounding the boy in this picture, we can see why it’s important to put our needs before our wants.



Can anyone give me other examples of things we need?

How about some things we might want?


Lesson 1: Budgeting and choicesPrioritize your wants.

L1.3


This one is a no-brainer!

10



Why should you save your money?If you save your pennies (point to appropriate coins or currency), nickels, dimes, quarters and dollars, you could budget to pay for the things you really want and eventually have enough disposable income to get that three-headed purple people eater, a new TV, or whatever it is you’re dreaming about.

Disposable income is the money you have left after you’ve paid for everything you need, like school lunches, books, and clothes.


11 © 2005 Money Savvy Generation, LLC All Rights Reserved


Can you think of an example where you or your parents had to save money so you could get something you really wanted?

Was it worth the wait?


Why is saving a good thing?

L1.4


If you save your money, you can budget for the things you need and save the rest. Then, in time,

you’ll have enough disposable income to get that three-headed purple people eater, a new TV, or

whatever it is you’re dreaming about.

Disposable income is the money you have left

after you’ve paid for everyday expenses like

school lunches, books, and clothes.



Why do you need to budget?Remember Ron Weasly in Harry Potter, and how he really, really wanted the Nimbus 2000 broom? Well if the Weasly twins hadn’t been enterprising—which is a willingness to act, to make decisions, and to be inventive—and if his parents didn’t budget for the Nimbus 2000, that broom would’ve been harder to grab hold of than the Golden Snitch. Their money would have zipped here, then there, then somewhere else and Ron would never have gotten his new broom.

Without a budget, your money could zip away faster than a Golden Snitch. When somebody asks where last week’s allowance went, you could find yourself saying, “It went that way. No that way. Now it’s over there. Darn it, it got away.”




Think of budgeting as a compass. You can use it to steer your money in the right direction, so it can help you realize your dreams.

(Show a regular compass – then point out how the four “directions” could be “Save, Spend, Donate and Invest.”)

Lesson 1: Budgeting and choicesDon’t let your money get away.

L1.5


Without a budget, your money could zip away faster than a Golden Snitch. When somebody asks

where last week’s allowance went, you could find yourself saying, “It went that way. No that way.

Now it’s over there. Darn it, it got away.”



Your parents have to keep track of money that’s coming in on their paycheck and going out in bills so they can budget for the clothes you wear, the food you eat, the TV you watch and the games you play.

Can anyone tell me what would happen if the electric bill wasn’t put in the budget, and it didn’t get paid? (point to boy and girl) Just like these kids, you’d be screaming, ”Mom, the game went away!”

If the bill wasn’t paid, the electricity would be shut off. So would the TV and video game system.


© 2005 Money Savvy Generation, LLC All Rights Reserved13


Who can tell me what a paycheck is? (Payment for work or services performed.)

The boy and girl couldn’t play their game because the electric bill wasn’t budgeted for. Can anyone name other bills that come due each month and must be budgeted for? (Mortgage or rent, gas, phone bill.)


The name of the game is budgeting.

L1.6

© 2005 Money Savvy Generation,

LLC All Rights Reserved

Your parents have to keep track of money that’s coming in on their paycheck and going out in bills so

they can budget for the clothes you wear, the food you eat, the TV you watch and the games you play.

If the bill wasn’t paid, the electricity would be shut off. So would the TV, and the video game system.



Why is budgeting a good thing? (Have someone from the class come to the blackboard to do the first half of this exercise) Let’s say you have $500 a month coming in. Your electric bill is $25. Your mortgage is $254. Your gas bill is $8.00. And your phone bill is $32. How much do you have to budget for bills each month? ($319).

(Have the first child sit down, and have a second child come to the board.) Now let’s add $75 each month for groceries and another $50 for transportation, and $30 for miscellaneous expenses, like pencils and notepads, which brings your new total to what? ($474)

Now can anyone tell me how much you’ll actually be able to save each month after you’ve met all your necessary expenses? ($26)




L1.7




When you budget, save and spend responsibly you can reach your goals faster, so you can have your cake and eat it, too. YUM!




Are there things you really want that you’re willing to save for?

OK, start a wish list, then do a little shopping on your own or with your parents. Look through the sales papers or check things out online to see how much they cost. Then prioritize the things on your list, and see if you still want all of them.


L1.8


When you budget and save and spend responsibly, you can have your cake and eat it, too. Yum!

Who knew budgeting

could be this sweet!



Remember the previous exercise where you could save $26 each month? Well let’s say you’ve shopped around and found a cool new computer game station with a 7” screen for $182. How many months would you have to save before you could go to the ATM machine and withdraw money for your new game station?

($26x 7 months = $182)

Who knows the answer? (7 months)



Lesson 1: Budgeting and choicesThe name of the game is saving.

L1.9


In the end, patience pays off. In this instance, how many months how would have to

wait before you could buy the video game system?

JANFEB

MAR

APRIL

JULY

MAYJUNE

AUGSEPT

OCTNOV

DEC


What’s the one thing you really want that you’re willing to save for?



We all want instant gratification. In other words, “We want what we want and we want it NOW! But when we act on that, we often get what we think we want, only to find out it’s not really what we wanted after all. That’s OK, because we all make mistakes and we can learn really important things from those mistakes.

We could, however, avoid bad spending habits by making a wish list and checking it against the Gotta Have It Gauge. What’s the Gotta Have It Gauge? It’s five simple questions you can ask yourself to find out if you really want the things you think you do.




Who wants to tell me something they want so we can check it against the Gotta Have It Gauge?


The Gotta Have It Gauge

L1.10


Do I really

need this?

1.

2.

3.

4.

5.Will I still want

it tomorrow?

Do I really have

to buy it now?

Am I sure I’ll

wear it or

use it a lot?

Will I have money

to get the other

things I want?


Who can tell me what it means to prioritize? (To put things in order based on how important they are.)

Does anybody here have a wish list?

Why is it a good thing to wait for something we think we really want?



Sarah is money savvy. She prioritizes her needs and wants and budgets for them. One day, Sarah sees a pair of shoes she wants in a magazine. She puts them on her wish list, and checks them against the Gotta Have It Gauge. Sarah knew she didn’t need the shoes, but she really wanted them. And she was pretty sure she’d still want them tomorrow. She didn’t really have to have them now, either. Sarah also realized she wouldn’t wear the shoes very often because they looked uncomfortable. Not only that, she’d have to wait even longer to get that new bicycle she wanted.

A week later, Sarah went shopping with her mom and saw the shoes in a store window. As you can see (point to image of Sarah looking at shoes on display, it was a good thing she didn’t buy them. By using The Gotta Have It Guage, Sarah saved her feet and her budget.



Lesson 1: Budgeting and choicesSally puts her want to the test.

L1.11


By using The Gotta Have It Gauge, Sarah saved her feet and her budget.

SATURDAYI’ve gotta havethose shoes. Yuck. What wasI thinking?


What could Billy have done differently?

What can he learn from his mistake?


What could Billy have done differently?

What can he learn from his mistake?



Billy was saving for an MP3 player. One day while they were out playing, a boy offered to sell Billy a giant box of baseball cards for $15. Sarah asked Billy if the cards were on his wish list. They weren’t, but there was no talking Billy out of it.

Later, when Billy got home he discovered that he already had most of the cards. Worse than that, he was going to have to start saving for his MP3 Player all over again. Even though Billy struck out, he learned a valuable lesson— to stick to the game plan and control his wants so he can reach his goals. In other words, Billy learned the importance of fiscal responsibility, which means being responsible for his spending.




Billy blows his budget.

L1.12


Billy let his emotions rule his buying, and got a bunch of baseball cards he already had.

He also had to start saving for his MP3 Player all over again. But he learned a valuable

lesson—to control his spending and stick to the game plan and control his wants so he

can reach his goals. In other words, Billy learned fiscal responsibility.

Oh Man, I struck

out big time.

19


How many of you have made an impulse purchase, only to find out it was a really bad decision?

What did you learn from that mistake?



As you can see, The Gotta Have It Gauge is a great way to keep us from making an impulse purchase, which is the type of purchase we make spur of the moment without planning or budgeting for it.

Saving our money and budgeting are both part of being fiscally responsible. So are prioritizing our needs and separating what we really want from what we think we want. It’s really about holding ourselves accountable for our spending. To hold yourself accountable, means to take responsibility for your actions.



Lesson 1: Budgeting and choicesLearn to be responsible.

L1.13


Saving our money and budgeting are both part of being fiscally responsible. So are

prioritizing our needs and separating what we really want from what we think we want.

Smart DecisionNot So Smart Decision



Next we’re going to learn the difference between saving money in a savings account and investing it. Both are smart ways to make our money grow. One is good for things we need right away. The other is good for things we’ll need a few years down the road.




L1.14


Investing earns a lot more interest than saving, but you can’t touch your money for years.

21

Dear Parent or Guardian,

Next week, I will be teaching the class about saving and investing. As you know

from your own experience, hands-on learning brings things to life for kids. My goal

is to provide a memorable learning experience around the importance of putting

money in a savings account.

To do this, I’m asking that each child bring 10 pennies to class next week. I will

then have the students deposit their pennies in the Class Bank. To bring the

concept of “interest” to life, I will add 10% of the total deposit to the account. I will

then use the money to buy a special treat for the kids, which we will enjoy during

the following class.

This is a fun, simple way to teach children about the value of savings. So please, if

possible, send your child to class with 10 pennies next week.

Sincerely,

Lesson ONE

Worksheet 1: How do you define smart spending?


1.

2. 3.

5.4.

7.

8.6.

10.

9.

1 down –1 word Payment someone receives for doing a job

2 across – 1 word To be responsible for your decisions

3 down – 1 word A plan for spending and saving your money

4 across – first of two words The type of income you have after you pay for the things you need

7 down – one word Food. Clothing and Shelter

8 across – first of two words Responsibility that has to do with money

9 down – one word A purchase that isn’t planned or budgeted for

10 across – one word A willingness to act and make decisions; to be inventive

5 down – one word To arrange things based on how important they are

6 across – one word Things we enjoy

Smart SpendingOpen Crossword Puzzle

Show me how savvy you are about saving and budgeting by solving this Smart Spender crossword

puzzle. The first team to win will get a $10 credit toward the next exercise.

A C C O U N T A B L E

E N T E R P R I S I N G

I S P O S A B L

F I S C A LW A N T S

P

Y

C

H

E

C

K

U

D

G

E

R

I

O

R

I

T

I

Z

N

E

E

D

I

M

U

L

S

E

Lesson ONE

Worksheet 2: How can you gauge your spending?


Each team will be given a budget. You can “go shopping at the Diving Store” and buy anything on the list, but you can’t go over your budget. When you’re done, a spokesperson from each team will explain to the class why his or her team made the decisions they made and how much money, if any, they have left. Remember, one lucky team has an additional $10 to spend anyway they want.

THE BUDGET: $250 DIVING STORE:

Diving Gear $125Rubber Duck $5Waterproof Camera $15Sunscreen $10Gatorade (per bottle) $2Sunglasses $10Beach Chair $20Life Jacket $25Beach Towel $15Energy Bar $2 Deck of Cards $2Television $200 Boom Box $50 Beach Ball $5 Sandwich $2First Aid Kit $12Gym Shoes $50Marshmallows $5Jacket $30Case of 24 Twinkies $10Cell Phone $50Bottle of Juice or Water $1

Make your choices and add them here:

$

$

$

$

$

$

$

$

$ $$250Total Budget Total Spent

- =Money

Left Over

Ready to dive into a cool challenge? Well here’s your chance to take some of the valuable lessons you’ve

just learned and apply them to buying gear for a scuba diving expedition. Good luck!

1) Create a wish list that consists of three items that you’d like to purchase someday soon. Put them in order so that #1 is the item you think that you want to have the most.

1) _____________________________________________________________________________________________

2) _____________________________________________________________________________________________

3) _____________________________________________________________________________________________

2) Next, take each item at a time and test it against the Gotta Have It Gauge. Ask yourself the five questions and write down the answers in the provided table.

3) Then rewrite your wish list and prioritize your items based on what you learned from the Gotta Have It Gauge.

1) _____________________________________________________________________________________________

2) _____________________________________________________________________________________________

3) _____________________________________________________________________________________________

4) Are the items on the New Wish List in a different order than your first Wish List? Why or why not? _________________________________________________________________________________________________

5) Write down anything you can do to make getting your #1 item possible. _________________________________________________________________________________________________

Lesson ONE

Worksheet 3: What did you learn about budgeting?


OK, we’re going to use the Gotta Have It Gauge from Lesson 1 to see if you’ve really gotta have it or you

just think you do.

Gotta Have It Gauge

Do I really need this?

Item 1 Item 2 Item 3

If not, will I still want it tomorrow?

Do I really have to buy it now?

Am I sure I’ll wear it or use it a lot?

If I buy it now, will I have money to get the other things I really want?

WISHLIST

NEWWISHLIST

WISHLIST

NEWWISHLIST

Documents

Here’s everything you need to transform your students into Money … · 2017. 10. 20. · One of the reasons children find Money Savvy Kids™ so engaging is the Money Savvy Pig®