Spending Money Lessons

Welcome to our page on spending money! We believe that understanding how to manage spending is a crucial skill in financial literacy. Our resources are designed to provide a comprehensive understanding of spending, including creating a budget, tracking expenses, and avoiding impulsive buying. 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 become responsible consumers. From managing everyday expenses to saving for big purchases, our materials will help students develop healthy financial habits and make informed decisions about their spending.

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  • Spending Money and Consumer Math Lessons

  • Additional Lessons:

    Financial Management Skills Assessment

    LESSON DESCRIPTION Students assess their own financial management skills by taking the money management self-assessment.  This assessment will help students identify their current knowledge or money management as well as areas that need instruction regarding money and finances. Money management is how you manage all aspects of your finances. This includes setting goals for the … Continue reading Financial Management Skills Assessment

    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

    Calculating Down Payments as a Percentage

    Students will learn to calculate down payments using a percentage. Teaching Objectives: Students will define down payment. Students will review percentages. Students will review convert percentages to decimals. Students will review calculating percentages. Students will use these skills to figure out down payments. Suggested Grade Level 6th – 8th Grade Lesson Excerpt: Sometimes, a down … Continue reading Calculating Down Payments as a Percentage