Budgeting Lessons

Welcome to our page on budgeting. We believe that budgeting is an essential skill in financial literacy. Our resources are designed to provide a comprehensive understanding of budgeting, including creating a budget, tracking expenses, and setting financial goals. Whether you’re a teacher, parent, or financial educator, our collection of lesson plans, worksheets, and activities will equip you with the tools you need to teach these critical skills and empower students to take control of their finances. From managing everyday expenses to saving for big purchases, our materials will help students develop healthy financial habits and achieve financial success.

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    Creating a Spending Plan

    LESSON DESCRIPTION Students will use given information to create a monthly spending plan, also known as a budget. In this lesson, they will develop the abilities needed to make an effective plan to budget monthly spending goals. A spending plan must detail exactly how you are going to use your cash to cover the things … Continue reading Creating a Spending Plan

    Planning Effective Financial Goals

    LESSON DESCRIPTION In this lesson, students learn to figure out their desired financial objectives by planning smart and effective financial goals that will help them achieve their goals. They will set financial goals that are specific, measurable, attainable, relevant, and time-bound. Many men and women invest, spend, invest, then wonder why they’re short of funds … Continue reading Planning Effective Financial Goals

    Spending Log

    LESSON DESCRIPTION In this lesson, students keep a log of all their spending for a period of time (day/week/month) to help identify their spending habits and patterns. How do you spend your money? Understanding your current spending patterns and habits will help you understand how to budget and better manage your money. Distribute the attached … Continue reading Spending Log

    Understanding your Money Habits

    LESSON DESCRIPTION In this lesson, students learn to understand and identify what are their money habits. Every money decision you make either reinforces good or bad money habits.  The first step toward creating good money habits is to first identify the money habits you currently have. Distribute the attached worksheet to students.  They should first … Continue reading Understanding your Money Habits

    Starting a Budget Introduction

    Below are some budget lesson starters — printable worksheets to use with a teaching lesson introducing budgeting. Print both of the lessons below.   Suggested Grade Level 4th – 6th Grade. Fourth Grade.  Fifth Grade.  Sixth Grade. Special education. Teens Teenagers Kids.   Worksheet #1: PERSONAL BUDGETS – NEEDS WANTS Excerpt – Have you ever … Continue reading Starting a Budget Introduction

    Your Budget Plan – Spending Behaviors

    Students work in pairs to participate in a “Track Star” game that illustrates positive and negative spending behaviors. Each pair of students analyzes the “Track Star” results, identifies effective and ineffective budgeting behaviors, and generates a list of budgeting principles.

    Developing a Budget

    In the weeks prior to the start of the unit, students track their expenditures during a two-week period. In class, students create a group presentation about personal and financial goals. Individually, students identify four personal goals and describe the related financial goals. With financial goals in mind, students work in pairs to complete a budget … Continue reading Developing a Budget

    Budget to Save—The Balance Sheet

    This lesson begins with dispelling common myths about millionaires through the interactive “Millionaire Quiz.” Students then have an opportunity to give their opinions of wealth in a brainstorming activity that culminates in a formalizing of the definition of wealth through the equation of “assets – liabilities = net worth.” Using a variety of interactives, students … Continue reading Budget to Save—The Balance Sheet