oklahoma home & community education 2009 district leader … · 2020. 7. 2. · 2009 district...

Oklahoma Home & Community Education 2009 District Leader Lesson

Developed by

Sandy Lackey, Carter County & Susan Routh, Grady CountyFamily and Consumer Sciences

Oklahoma Cooperative Extension ServiceOklahoma Cooperative Extension 1

Money on the Bookshelf is a lending library of children’s books on financial literacy. There

are 12 English version children’s books and four Spanish version children’s books. The target

audience of this curriculum are children (ages 4-10 years old) and their families.

English and Spanish

A Bargain For Frances A Chair For My Mother

Alexander, Who Used To Be Rich Last Sunday Just Shopping With Mom

English only

My First Job Ox-Cart Man

Sheep In A Shop Something Good

The Berenstain Bears & Mama’s New Job The Berenstain Bears’ Trouble With Money

The Purse Tight Times

What is Money on the Bookshelf?

•A lending library of children’s books on financial literacy

•12 English version children’s books•4 Spanish version children’s books•Target audience

Children (Ages 4-10 Years Old)and Their Families

Oklahoma Cooperative Extension 2

Money on the Bookshelf is designed to help parents teach their children money management through reading children’s books and completing accompanying activities. Activities are found within the parent guide are broken down by age level.

Purpose

1. Provide positive interaction about money 2. Enhance financial skills3. Enhance learning skills4. Targets both parent and children


Financial management has become a challenge for many families, particularly for limited and fixed income families. Most low- and moderate-income families have significant unmet emergency savings needs. These households lack financial resources to pay for unexpected expenditures, such as car repairs or emergency dental treatments. Less than one-third of these households have a savings account and the median account balance of those with a checking and/or savings account is only $600.

Children who live in limited resource households are at risk in many ways. Most at-risk children

live in a single parent household and live with a family income that is below poverty level. Their

parents have low levels of educational achievement. The children experience abuse and neglect

and have lower academic achievement. Not having enough money is significantly associated with

physical and verbal abuse. As parents experience financial pressures, they become hostile toward

children.

Children of Limited Resource Families

•No Emergency Savings

•Live in Single-Parent families and below

poverty level

•Experience abuse, neglect, and have lower

academic achievement


In 2002, the Department of Treasury recognized the need for increasing financial literacy in America and established the Office of Financial Education. In 2003, Congress established the Financial Literacy and Education Commission under the Financial Literacy and Education Improvement Act which was enacted also in 2003. In 2006, the Commission published the National Strategy for Financial Education. Within the document, youth financial literacy was one of ten areas cited which needed improvement and programming concentration. Programs that reach youth and their families through non-traditional, educational venues were recommended. It is interesting to note that 4-H clubs began as a non-traditional educational program to reach

parents and youth with non-biased, research-based information to help improve family life.

Financial Literacy in America

2002 – Office of Financial Education Established.

2003 – Financial Literacy and Educational Improvement Act -Financial Literacy and Education Commission established

2006 – National Strategy for Financial Education Published


Experience with money and financial decisions contribute to the development of financial literacy. Children begin to learn about money and its uses when they are young. For example, counting coins is a preschool skill. Measuring the cost of items with coins begins at an early elementary age. Planning how to use money and the concept of savings is more difficult to understand and comes at a later elementary age.

What is Financial Literacy?

“The ability to discern financial choices, discuss money and financial issues without or despite discomfort, plan for the future, and respond competently to life events that affect everyday financial decisions, including events in the general economy.”


There are twelve parent guides, one for each book, which explain the money ideas and give tips for things to talk about with children as they read the book. Parent guides have ideas for fun activities to do with children that help extend and enhance the ideas presented in the books. Activities are divided into age related activities.

How to create library

• Curriculum – available online – Parent guides– Book list

• Children’s books – used books acceptable

• Create copies of parent guides for each book

• Storage container• Index cards


Why should we be interested in Money on the Bookshelf? The program is designed to teach basic money management

Concepts addressed include allocating resources, decision making, goal setting, prioritizing, problem solving, recognizing resources, recognizing success, and saving.

It promotes positive interactions about money Reading books with children is a creative way to introduce children to money management. It is much easier to discuss the problems Alexander experiences in deciding how to spend his $1.00 and then relate them to real life experiences.

The program enhances literacy Use the tips for reading with children to help with gaining the most from reading books with your children. The more positive a child’s reading experiences are, the more they will want to do it. Research has shown that children who are read to three times a week do much better in later development than children who are read to less than three times a week. Early experiences with language contribute to healthy brain development and lay the foundation for learning to read when a child enters school.

Assist families with limited resources When prices rise and income is limited, this program can provide an activity requiring little

more than time. In addition creating positive experiences for parents and children involving

family finances can decrease family tension, hostility, and confrontations centered on money

issues. The parents will learn about money management as the children learn.

Why create a library?

• Teach basic money management• Positive interactions about money • Enhance literacy • Assist families with limited

resources


The first step to assemble the library is to access the website for materials that are available. The website address is listed in the leaders guide and below. It also can be accessed by doing an engine search using Money on the Bookshelf as key words.

Website - http://www.unce.unr.edu/programs/sites/moneybookshelf/

Books: Books can be used, paperback or hardback. Your local bookstore may be able to assist with locating these books. Amazon.com is a website available for ordering books from a variety of sources and at reasonable cost. If ordered from a variety of individuals or businesses, be aware of the increased shipping and handling costs.

Carry case ideas: Wheeled storage cart Luggage Rubbermaid tote Canvas tote bag (with local HCE county group name displayed) Cardboard box

Parent Guides: Copy guides onto colorful paper (11x17 recommended size) Sort into colorful folders Or expanding file folder

Check-out system: Index cards, plain or colored Envelope to house cards Recipe file box

Poster ideas: Laminate poster to promote Money on the Bookshelf Contact information and Sponsor information (don’t forget to promote the great things done by OHCE!)

Assemble library

1. Access website for materials and information

2. Purchase and/or assemble books3. Copy parent guides for distribution4. Organize into a traveling case5. Devise a “check-out” system6. Don’t forget “Provided by (local

group name)”


Think about places where parents and children are likely to be found. Remember you don’t have to limit your library to the programs suggested here. Other avenues may be tried with success.

Ideas to get you started

• School Library

• Public Library – Summer Reading Program

• Kindergarten Class

• Head Start Program

• Preschool or Day Care Program

• Mother’s Day Out

• Afterschool Program


Add additional ideas from members

Ideas to get you started

•Grandparent/Mentoring Programs•Story Time at County Fair or OHCE Week•Children’s Shelter•Pediatric Doctor’s Office•Family Reunion•Hospital Waiting Room•Other ideas . . . ?


Make all the hard work count! Apply for an award and share your success with the membership. We love to hear your stories!

Apply for an Award

2009 State Goal – Resource Management Actions:

•Gambling•Volunteer Income Tax Assistance•Youth Financial Literacy:

Money on the Bookshelf•Scams and Frauds


Goals:

Set a goal of the number of families you plan to reach

Projects:

Identify the projects used to reach these goals

Knowledge and skills learned/taught:

What knowledge was shared, record commentary spoken by participants, identify the specific skills that are learned and/or taught

Community service:

Story time is a community service whether at school or an OHCE Week activity or the county fair.

In-kind contributions:

Goods and service donated by individuals/businesses. May include books, paper, folders, printing, etc.

Size:

Creation of one library or more; targeted a few families or many families

Scope:

Project offered in a home, business, community, entire county or multiple areas

Growth:

Measuring from your goals, was there growth?

Impact:

How many were reached?

Things to Keep a Record of . . .

•Goals•Projects designed to reach the goal•Knowledge and skills learned/taught•Community service provided•In-kind contributions•Size, scope, growth & impact


Volunteerism:

How many members participated? Were people outside the membership involved? How many hours can be counted? Citizenship/Community Service Projects:

How many schools/day cares/libraries were visited and the program implemented? How many hours were spent reading to children? Talks, exhibits, news articles, displays:

Local media, television, radio, posters, etc.? Workshops & Training:

Library aides trained, teachers, church groups, Public policies:

Were any policies implemented? Or changed? Campaigns and promotions:

OHCE Week is a great time to promote! Designate a Family Literacy Day in your locale National Family Literacy Day – November 1 (visit The National Center for Family Literacy at www.famlit.org ) International Literacy day – September 1 (visit www.reading.org)

That could include . . .

•Volunteerism (member’s participation)•Citizenship/Community Service projects•Talks, exhibits, news articles written,

displays, HCE week efforts, etc.•Workshops & training the group provided•People reached or changes made•Public policies implemented, changed•Campaigns and promotions


With our best intentions, sometimes projects fall short.

Where projects come up short

•Lack of significant project work•Failure to show growth or impact•Citizenship activities that make

little difference in someone’s life•Lack of focus in project work•No future plans for the project•Lack of significant group participation


Award Books Can. . .

•Provide quality project experiences •Motivate members•Develop leadership abilities•Improve group’s community services•Encourage the keeping of records•Help each member find success


Lesson Activity (optional) Provide Parent Guides corresponding to the books to complete the following activity. Materials needed: Children’s books from the list on page 4 of the Leader’s Guide. Copies of Parent Guides List of questions (one copy per group) for members to review Paper and pencil to record answers • Divide members into groups of two or three depending on the size of your local OHCE group’s attendance. • Give each group a book with a corresponding Parent Guide with the following instructions:

Appoint one member of your group to read the book aloud. Review the following questions and Parent Guide recording your answers. What activity in the Parent Guide appealed or was interesting to your group? Are there any activities of which you know (not listed in the Parent Guide) that could be used to reinforce the

financial concepts listed in the Parent Guide? Brainstorm with your group ways that Money on the Bookshelf could be used as a project in your local community or

county. Have groups report at the end of the activity to the whole attendance their answers to the questions above.

Exploring Money on the Bookshelf

1. Divide into groups of two or three2. Read one book aloud as a group.3. Review the Parent Guide together.4. Answer the following questions as a group.

1. What financial literacy concept was the book incorporating into the theme of the story?

2. What activity in the Parent Guide appealed or was interesting to your group?

3. Are there any other activities of which you know (not listed in the Parent Guide) that could be used to reinforce the financial concepts listed in the Parent Guide?

Brainstorm with your group ways to use this program as a project in your community or county.

Be prepared to report your findings as a group.


Money on the Bookshelf is a curriculum that was written and developed by the University of

Nevada Cooperative Extension Service. Funding was given by the CE-FCS Ambassador program in

2007 to develop and introduce the lending libraries in seven counties which included 38 Head

Start Program sites. Money on the Bookshelf is a unique interactive curriculum which enables

parents and children to learn about money management skills and literacy together.

oklahoma home & community education 2009 district leader … · 2020. 7. 2. · 2009 district...

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