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© 2015 Brain Wrinkles

SS6E4 & SS7E4

Money ManagementChoices

Standards

SS6E4 The student will explain personal money management choices in terms of income, spending, credit, saving, and investing.

SS7E4 The student will explain personal money management choices in terms of income, spending, credit, saving, and investing.


Teacher Directions – Read My Lips• Print out the Read My Lips activating strategy

handout for each student.

• Have the students make predictions about what they think the words mean and write them down.

• AFTER the unit, have the students use a different color and write down everything that they would say about the words if they were explaining their meanings to someone else.



Directions: BEFORE the presentation, write down what you think the words below mean. AFTER the unit, you will use a different color and write down everything that you would say about the words if you were explaining their meanings to someone else.

Teacher Directions – CLOZE Notes

• The next 2 pages are handouts for the students to use for note-taking during the presentation. (Print front to back to save paper and ink.)

• Check the answers as a class after the presentation.


Mo

ney M

anagem

ent

•E

very

one _

_______________________________ a

bout h

ow

to m

anage

his

or h

er m

oney.

•T

he p

ers

onal m

oney m

anagem

ent c

hoic

es th

at y

ou m

ake w

ill have a

sig

nific

ant _

_______________________________ .

•It is

really

importa

nt to

develo

p _

_______________________________

sooner ra

ther th

an la

ter!

•T

he p

rocess o

f pro

jectin

g, o

rganiz

ing, m

onito

ring, a

nd c

ontro

lling

futu

re in

com

e a

nd e

xpenses is

know

n a

s

________________________________ .

Mo

ney

•M

oney is

the _

_______________________________ u

sed to

buy g

oods

and s

erv

ices.

•T

here

are

severa

l form

s o

f money:

________________________________ , c

oin

s, d

eb

it card

s, a

nd c

hecks.

Incom

e•

People

earn

an in

com

e b

y g

ivin

g th

eir tim

e a

nd s

erv

ices to

an

em

plo

yer in

an _

_______________________________ .

•In

com

e is

the m

oney th

at y

ou m

ake

________________________________ .

•Y

our in

com

e p

rovid

es y

ou w

ith th

e m

oney th

at y

ou c

an

________________________________ o

n w

hate

ver y

ou w

ant.

Spendin

g•

Your in

com

e p

rovid

es y

ou w

ith th

e m

oney th

at y

ou c

an c

hoose to

________________________________ o

n g

oods a

nd s

erv

ices.

•W

hen y

ou s

pend y

our in

com

e, y

ou a

re

________________________________ in

exchange fo

r goods o

r serv

ices.

Bud

get

•T

o h

elp

people

make _

_______________________________ , a

budget

can b

e d

evelo

ped.

•A

budge

t is a

________________________________ th

at is

based o

n a

pers

on’s

incom

e a

nd e

stim

ate

d e

xpenses.

Savin

g•

You m

ay a

lso c

hoose to

save m

oney fro

m y

our in

co

me

________________________________ .

•Y

our s

avin

gs is

the a

mount o

f money th

at y

ou

________________________________ a

fter b

uyin

g th

e th

ings th

at y

ou

want o

r need.

•It is

a g

ood id

ea to

save m

one

y s

o th

at y

ou h

ave

it in

________________________________ .

•T

ypic

ally

, you p

ut y

our s

avin

gs in

to a

________________________________ , b

ut th

ere

are

oth

er w

ays th

at

you c

an c

hoose to

invest y

our m

oney.

©2

015

Bra

in W

rinkle

s

Investin

g•

Investin

g is

how

you _

_______________________________ , o

r appre

cia

te, to

gain

a fin

ancia

l retu

rn.

•Y

ou c

an in

cre

ase y

our m

oney b

y in

vestin

g in

many d

iffere

nt w

ays:

sto

cks a

nd b

onds, _

_______________________________ , c

olle

ctib

les,

busin

esses, e

tc.

•In

vestin

g m

eans p

ostp

onin

g c

urre

nt c

onsum

ptio

n in

ord

er to

purs

ue

an a

ctiv

ity w

ith g

reate

r ________________________________ .

•B

asic

ally

, afte

r a p

erio

d o

f time, y

ou s

hould

________________________________ th

an y

ou p

ut in

due to

inte

rest.

Cre

dit

•P

eople

use c

redit to

buy s

om

eth

ing n

ow

and

________________________________ .

•W

hen y

ou b

uy s

om

eth

ing u

sin

g c

red

it, yo

u h

ave to

________________________________ th

at y

ou b

orro

wed, p

lus a

n

additio

nal a

mount in

inte

rest.

•In

tere

st is

a _

_______________________________ fo

r the u

se o

f som

eone e

lse’s

money.

•P

eople

who c

an b

orro

w m

oney w

ith a

________________________________ a

re s

aid

to h

ave g

ood c

red

it, w

hile

those w

ho c

annot b

orro

w s

uch a

mounts

are

said

to h

ave b

ad

cre

dit.

•W

hile

cre

dit is

extre

mely

usefu

l to th

e e

conom

y,

________________________________ c

an b

e a

pro

ble

m fo

r people

, b

usin

esses, a

nd th

e g

overn

ment.

•C

redit s

hould

not b

e u

sed to

pay fo

r goods o

r co

nsum

ptio

n in

the

pre

sent th

at w

ere

_____________________________________________________________ .

Ke

y T

erm

s1.

Incom

e: M

oney th

at y

ou _

_______________________________ o

r gain

from

investm

ents

.

2.

Spendin

g: _

_______________________________ in

exchange fo

r goods o

r serv

ices.

3.

Bud

get: A

pla

n fo

r ________________________________ in

co

me

.

4.

Cre

dit: _

_______________________________ a

nd p

ayin

g fo

r it (p

lus in

tere

st) la

ter.

5.

Savin

g: _

_______________________________ a

fter b

uyin

g w

hat is

needed a

nd w

ante

d.

6.

Investin

g: P

uttin

g m

oney to

use in

som

eth

ing th

at o

ffers

pote

ntia

lly _

_______________________________ .

©2

015

Bra

in W

rinkle

s

Mo

ney M

anagem

ent

•E

very

one m

akes c

hoic

es a

bout h

ow

to m

anage h

is o

r her m

oney.

•T

he p

ers

onal m

oney m

anagem

ent c

hoic

es th

at y

ou m

ake w

ill have a

sig

nific

ant im

pact o

n y

our life

.•

It is re

ally

importa

nt to

develo

p g

ood m

oney h

ab

its s

ooner ra

ther

than la

ter!

•T

he p

rocess o

f pro

jectin

g, o

rganiz

ing, m

onito

ring, a

nd c

ontro

lling

futu

re in

com

e a

nd e

xpenses is

know

n a

s p

ers

onal fin

ance

.

Mo

ney

•M

oney is

the m

ediu

m o

f exchange u

sed to

buy g

oods a

nd s

erv

ices.

•T

here

are

severa

l form

s o

f money: c

urre

ncy (c

ash), c

oin

s, d

eb

it card

s, a

nd c

hecks.

Incom

e•

People

earn

an in

com

e b

y g

ivin

g th

eir tim

e a

nd s

erv

ices to

an

em

plo

yer in

an e

xchange fo

r money.

•In

com

e is

the m

oney th

at y

ou m

ake fro

m y

our jo

b.

•Y

our in

com

e p

rovid

es y

ou w

ith th

e m

oney th

at y

ou c

an s

ave o

r spend o

n w

hate

ver y

ou w

ant.

Spendin

g•

Your in

com

e p

rovid

es y

ou w

ith th

e m

oney th

at y

ou c

an c

hoose to

spend n

ow

on g

oods a

nd s

erv

ices.

•W

hen y

ou s

pend y

our in

com

e, y

ou a

re tra

din

g y

our m

oney in

exchange fo

r goods o

r serv

ices.

Bud

get

•T

o h

elp

people

make d

ecis

ions a

bout th

eir in

com

e, a

budget c

an b

e

develo

ped.

•A

budge

t is a

savin

g-s

pendin

g p

lan th

at is

based o

n a

pers

on’s

in

com

e a

nd e

stim

ate

d e

xpenses.

Savin

g•

You m

ay a

lso c

hoose to

save m

oney fro

m y

our in

co

me fo

r the

futu

re.

•Y

our s

avin

gs is

the a

mount o

f money th

at y

ou h

ave n

ot s

pent a

fter

buyin

g th

e th

ings th

at y

ou w

ant o

r need.

•It is

a g

ood id

ea to

save m

one

y s

o th

at y

ou h

ave

it in c

ase o

f an

em

erg

ency.

•T

ypic

ally

, you p

ut y

our s

avin

gs in

to a

bank a

ccount, b

ut th

ere

are

oth

er w

ays th

at y

ou c

an c

hoose to

invest y

our m

oney.

©2

015

Bra

in W

rinkle

s

Investin

g•

Investin

g is

how

you m

ake y

our m

oney g

row

, or a

ppre

cia

te, to

gain

a

financia

l retu

rn.

•Y

ou c

an in

cre

ase y

our m

oney b

y in

vestin

g in

many d

iffere

nt w

ays:

sto

cks a

nd b

onds, re

al e

sta

te, c

olle

ctib

les, b

usin

esses, e

tc.

•In

vestin

g m

eans p

ostp

onin

g c

urre

nt c

onsum

ptio

n in

ord

er to

purs

ue

an a

ctiv

ity w

ith g

reate

r benefits

in th

e fu

ture

.•

Basic

ally

, afte

r a p

erio

d o

f time, y

ou s

hould

get m

ore

money th

an

you p

ut in

due to

inte

rest.

Cre

dit

•P

eople

use c

redit to

buy s

om

eth

ing n

ow

and p

ay fo

r it late

r.

•W

hen y

ou b

uy s

om

eth

ing u

sin

g c

red

it, yo

u h

ave to

pay b

ack th

e

money th

at y

ou b

orro

wed, p

lus a

n a

dditio

nal a

mount in

inte

rest.

•In

tere

st is

a fe

e p

aid

for th

e u

se o

f som

eo

ne e

lse’s

money.

•P

eople

who c

an b

orro

w m

oney w

ith a

low

inte

rest ra

te a

re s

aid

to

have g

ood c

redit, w

hile

those w

ho c

annot b

orro

w s

uch a

mounts

are

said

to h

ave b

ad c

redit.

•W

hile

cre

dit is

extre

mely

usefu

l to th

e e

conom

y, e

xcessiv

e

borro

win

g c

an b

e a

pro

ble

m fo

r people

, busin

esses, a

nd th

e

govern

ment.

•C

redit s

hould

not b

e u

sed to

pay fo

r goods o

r co

nsum

ptio

n in

the

pre

sent th

at w

ere

com

ple

tely

consum

ed in

the p

ast.

Ke

y T

erm

s1.

Incom

e: M

oney th

at y

ou e

arn

from

work

ing o

r gain

from

in

vestm

ents

.

2.

Spendin

g: T

radin

g m

oney in

exchange fo

r goods o

r serv

ices.

3.

Bud

get: A

pla

n fo

r savin

g a

nd s

pendin

g in

co

me.

4.

Cre

dit: B

uyin

g s

om

eth

ing n

ow

and

payin

g fo

r it (plu

s in

tere

st)

late

r.

5.

Savin

g: M

oney le

ft over a

fter b

uyin

g w

hat is

needed

and w

ante

d.

6.

Investin

g: P

uttin

g m

oney to

use in

som

eth

ing th

at o

ffers

pote

ntia

lly p

rofita

ble

retu

rns.

©2

015

Bra

in W

rinkle

s


SS6E4 & SS7E4

Money ManagementChoices

• Everyone makes choices about how to manage his or her money.

• The personal money management choices that you make will have a significant impact on your life.

• It is really important to develop good money habits sooner rather than later!

• The process of projecting, organizing, monitoring, and controlling future income and expenses is known as personal finance.


• Money is the medium of exchange used to buy goods and services.

• There are several forms of money: currency (cash), coins, debit cards, and checks.



Currency

Coins DebitCard

Check

• People earn an income by giving their time and services to an employer in an exchange for money.

• Income is the money that you make from your job.

• Your income provides you with the money that you can save or spend on whatever you want.


• Your income provides you with the money that you can choose to spend now on goods and services.

• When you spend your income, you are trading your money in exchange for goods or services.


• To help people make decisions about their income, a budget can be developed.

• A budget is a saving-spending plan that is based on a person’s income and estimated expenses.


• You may also choose to save money from your income for the future.

• Your savings is the amount of money that you have not spent after buying the things that you want or need.

• It is a good idea to save money so that you have it in case of an emergency.

• Typically, you put your savings into a bank account, but there are other ways that you can choose to invest your money.


• Investing is how you make your money grow, or appreciate, to gain a financial return.

• You can increase your money by investing in many different ways: stocks and bonds, real estate, collectibles, businesses, etc.

• Investing means postponing current consumption in order to pursue an activity with greater benefits in the future.

• Basically, after a period of time, you should get more money than you put in due to interest.


• People use credit to buy something now and pay for it later.

• When you buy something using credit, you have to pay back the money that you borrowed, plus an additional amount in interest.

• Interest is a fee paid for the use of someone else’s money.

• People who can borrow money with a low interest rate are said to have good credit, while those who cannot borrow such amounts are said to have bad credit.



Credit Card

Bank Loan

• While credit is extremely useful to the economy, excessive borrowing can be a problem for people, businesses, and the government.

• Credit should not be used to pay for goods or consumption in the present that were completely consumed in the past.


1. Income: Money that you earn from working or gain from investments.

2. Spending: Trading money in exchange for goods or services.

3. Budget: A plan for saving and spending income.

4. Credit: Buying something now and paying for it (plus interest) later.

5. Saving: Money left over after buying what is needed and wanted.

6. Investing: Putting money to use in something that offers potentially profitable returns.


Teacher Directions – Memory Clues

• The students will write the definition (using their own words) for each of the vocabulary words listed.

• Next, they will create a memory clue (or symbol) that represents each vocabulary word.

• Finally, they will briefly describe how the symbol relates to the word.



Key Term Definition Memory Clue Explanation

Income

Spending

Budget

Credit

Saving

Investing

Directions: Write a definition of each of the key terms listed and create a memory clue or symbol to help you remember each word. Briefly explain how the clue represents the key term.

Teacher Info – Financial Education Button

• Print off the Financial Education Button handout for each student.

• Button: The students will design a button for Financial Education Day that educates others about good spending habits.

• Text box: The students will use personal money management vocabulary to describe the significance of the button and why good spending habits are important.


Directions: Financial Education Day is October 22. Using your knowledge of personal money management vocabulary, design a button to be worn that day in order to educate others about making good spending habits. After you finish the button, describe its significance using the personal money management vocabulary that you have learned. (Words to think about… spending, saving, investing, budget, income, credit, etc.)


___________________________________________________

___________________________________________________

___________________________________________________

___________________________________________________

___________________________________________________

___________________________________________________

___________________________________________________

___________________________________________________

___________________________________________________

___________________________________________________

___________________________________________________

___________________________________________________

___________________________________________________

Teacher Info – My Monthly Budget

• Print off the Financial Education Button handout for each student.

• The students will be given $500 to create a budget for the month. They should include all of their needs and wants for the month in the budget. Afterwards, they should total up the expenses and see what they have leftover for savings. They will write down important things that they would like to save up for in the spaces provided.

• *If there is not enough room for expenses/savings, please have the student carry on to the back of the page.



Monthly Expenses List Cost $

Directions: Your parents have generously decided to give you a monthly allowance of $500. However, there is one condition. They will no longer pay for any of your expenses (cell phone, new clothes/shoes, snacks, hygiene products, etc.); it must all come out of your own budget. They also highly encourage you to start saving money for college and other big purchases you might want to make someday (think: car). Write a serious budget below showing your parents how you plan to use your monthly allowance in a responsible way.

Monthly Savings List Cost $

Amount left for savings: ______________________________

Teacher Info – Personal Finance Snapchats

• The students will choose a fairy tale or holiday characters. They will create a profile and 3 Snapchat messages for the character based on personal money management vocabulary words from this lesson.

• The snaps should include a picture of the character in a scenario with the vocabulary term, as well as a caption that summarizes the scenario.

• For example, one of Santa’s snapchat messages could show him investing in real estate in sunny Miami. Another message could show his budget with specific amounts for cookies, reindeer food, dry cleaners for his suit, etc. And the final message could show him taking out a bank loan to purchase a new sled (credit).


• Choose a well-known fairy tale or holiday character and create a Snapchat profile (profile picture, username, location, and interests) for him/her.

• Next, create 3 snapchat messages about the character’s personal money management choices. Each message should include a picture of the scenario, as well as text to describe what vocabulary term the character is experiencing.

• For example, one of Santa’s snapchat messages could show him investing in real estate in sunny Miami. The next message could show his budget with specific amounts for cookies, reindeer food, dry cleaners for his suit, etc. And the final message could show him taking out a bank loan to purchase a new sled (credit).



Username:

Location:

Interests:

To: From:

Text:

To: From:

Text:

To: From:

Text:

Teacher Directions – “Show Me” True/False Review Activity

• Print off the T/F cards on the following page (there are 2 per page).

• Project the following “Show Me” statements and have the students hold up the correct end of the card. (There are 11 statements total.)


Credit is a means of buying something now and paying

for it later (usually with interest).



True

Income is money that you earn from working or gain

from investments.



True

A credit card does NOT charge interest, while a debit card does charge

interest.



False –A credit card charges interest, while a debit

card does not.

Interest is a fee paid to use someone else’s money.



True

Currency (cash) is a form of money.



True

A loan is a medium of exchange to buy goods.



False –Money is a medium of exchange used to buy

goods.

A debit card is a form of credit.



False –A debit card is a form

of money.

Real Estate is a form of investing.



True

A credit card is a form of money.



False –A credit card is a form

of credit.

A plan for saving and spending income is a budget.



True

A savings account is a way of spending money right

away.



False –It is a plan for investing money for future gains.

Teacher Info – Personal Finance Questions

• Print off the Personal Finance Questions handout

for each student.

• They should answer the questions after discussing

the presentation. Afterwards, check and share

answers as a class.

• *You can also use this as a quiz!


I.Id

entify

the

follo

win

g a

s e

ither M

oney (M

) or fo

rm

s o

f Cre

dit (C

).

1.D

eb

it Card

_____

2.

Curre

ncy (c

ash)

_____

3.

Bank L

oan

_____

4.

Coin

s_____

5.

Cre

dit C

ard

_____

6.

Check

_____

II. Whic

h m

eth

od w

ould

yo

u m

ost lik

ely

use

to p

ay fo

r th

e fo

llow

ing

go

ods a

nd s

ervic

es: C

ash, C

oin

s, D

eb

it Card, C

he

ck, B

ank L

oan, o

r

Cre

dit C

ard?

7. 8

0” 3

-D te

levis

ion

______________

8. C

om

bo m

eal fro

m a

fast-fo

od d

rive th

ru______________

9. N

ew

house

______________

10. M

onth

ly c

ar p

aym

ent

______________

11. Vid

eo g

am

e______________

12. P

ack o

f gum

from

a v

endin

g m

achin

e______________

III. Matc

h e

ach te

rm

to its

de

finitio

n.

_____ 13

. Incom

eA

. Tra

din

g m

oney in

exchange fo

r goods o

r serv

ices.

_____ 14

. Savin

gB

. A p

lan fo

r savin

g a

nd s

pendin

g in

co

me

._____ 15

. Spendin

gC

. Puttin

g m

oney to

use in

som

eth

ing th

at o

ffers

pote

ntia

lly p

rofita

ble

retu

rns.

_____ 16

. Budget

D. M

oney th

at y

ou e

arn

from

work

ing o

r gain

fro

m in

vestm

ents

._____ 17

. Investin

gE

. Buyin

g s

om

eth

ing n

ow

and p

ayin

g fo

r it (plu

s

inte

rest) la

ter.

_____ 18

. Cre

dit

F. M

oney le

ft over a

fter b

uyin

g w

hat is

needed

and w

ante

d.

IV. A

nsw

er th

e q

ue

stio

ns b

elo

w u

sin

g c

om

ple

te s

ente

nces.

19. W

hat is

the d

ifferenc

e b

etw

een a

deb

it card a

nd a

cre

dit c

ard?

20. W

hat a

re th

ree

goals

that y

ou c

an s

et fo

r yours

elf re

late

d to

the p

ers

onal

money m

anage

ment v

ocab

ula

ry (in

com

e, s

pendin

g, s

avin

g, in

vestin

g, b

udge

t, etc

.)?

©2

015

Bra

in W

rinkle

s

I.Id

entify

the

follo

win

g a

s e

ither M

one

y (M

) or fo

rm

s o

f Cre

dit (C

).

1.D

eb

it Card

M

2.

Curre

ncy (c

ash)

M

3.

Bank L

oan

C

4.

Coin

sM

5.

Cre

dit C

ard

C

6.

Check

M

II. Whic

h m

eth

od w

ould

yo

u m

ost lik

ely

use

to p

ay fo

r th

e fo

llow

ing

go

ods a

nd s

ervic

es: C

ash, C

oin

s, D

eb

it Card, C

he

ck, B

ank L

oan, o

r

Cre

dit C

ard?

7. 8

0” 3

-D te

levis

ion

CRED

IT C

ARD

8. C

om

bo m

eal fro

m a

fast-fo

od d

rive th

ruCASH

9. N

ew

house

BAN

K L

OAN

10. M

onth

ly c

ar p

aym

ent

CH

ECK

11. Vid

eo g

am

eD

EBIT

CARD

12. P

ack o

f gum

from

a v

endin

g m

achin

eCO

INS

III. Matc

h e

ach te

rm

to its

de

finitio

n.

D 13

. Incom

eA

. Tra

din

g m

oney in

exchange fo

r goods o

r serv

ices.

F14

. Savin

gB

. A p

lan fo

r savin

g a

nd s

pendin

g in

com

e.

A15

. Spendin

gC

. Puttin

g m

oney to

use in

som

eth

ing th

at o

ffers

pote

ntia

lly p

rofita

ble

retu

rns.

B16

. Budget

D. M

oney th

at y

ou e

arn

from

work

ing o

r gain

fro

m in

vestm

ents

.C

17. In

vestin

gE

. Buyin

g s

om

eth

ing n

ow

and p

ayin

g fo

r it (plu

s

inte

rest) la

ter.

E18

. Cre

dit

F. M

oney le

ft over a

fter b

uyin

g w

hat is

needed

and w

ante

d.

IV. A

nsw

er th

e q

ue

stio

ns b

elo

w u

sin

g c

om

ple

te s

ente

nces.

19. W

hat is

the d

ifferenc

e b

etw

een a

deb

it card a

nd a

cre

dit c

ard?

A d

eb

it card

take

s m

one

y im

med

iate

ly fro

m a

bank a

ccount. W

ith a

cre

dit c

ard,

you p

ay la

ter (p

lus in

terest).

20. W

hat a

re th

ree

goals

that y

ou c

an s

et fo

r yours

elf re

late

d to

the p

ers

onal

money m

anage

ment v

ocab

ula

ry (in

com

e, s

pendin

g, s

avin

g, in

vestin

g, b

udge

t, etc

.)?A

nsw

ers

will v

ary.

©2

015

Bra

in W

rinkle

s

Teacher Directions – Tweet All About It…Ticket Out the Door

• Have students write a tweet summary of important personal money management vocabulary (less than 140 characters).


Write tweets about important personal money management vocabulary. Keep the tweets short and to the point, but include enough information to

prove you understand the word.

#Income

#Credit

#Saving

#Investing


Write tweets about important personal money management vocabulary. Keep the tweets short and to the point, but include enough information to

prove you understand the word.

#Income

#Credit

#Saving

#Investing



Thank you so much for downloading this file. I sincerely hope you find it helpful and that your students learn a lot from it! I look forward to reading your feedback in my store.

If you like this file, you might want to check out some of my other products that teach social studies topics in creative, engaging, and hands-on ways.

Best of luck to you this school year,

Ansley at Brain Wrinkles

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