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
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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So How Much Are You Really Paying for that Loan?
Students learn what a payday loan is and the high cost involved in using such a loan. Working in groups, students calculate an annual percentage rate (APR) on a short-term loan.
Calculating Down Payments as a Fraction
Students will learn to calculate down payments using fractions. Teaching Objectives: Students will learn about down payments. Students will learn to calculate down payments using fractions. Students will review multiplying fractions and whole numbers. Suggested Grade Level 6th – 9th Grade Lesson Excerpt: Many times, we will see word problems that use terms that we … Continue reading Calculating Down Payments as a Fraction
Car Loan Application
In this lesson students practice filling out a sample car loan application. Teaching Objectives: Learn how to fill out a car loan application Suggested Grade Level 7th Grade – 12th Grade Lesson: Students should first search advertisements for a car that they are interested in purchasing. Next, fill out the car loan application form. … Continue reading Car Loan Application
Consumer Privacy – Overview & Awareness of Issues
In this lesson students and consumers are provided with a general overview and awareness of privacy issues that impact their lives. Teaching Objectives: Define what is meant by privacy in the information age Explain the pros and cons of database profiles Understand federal laws that offer privacy protection Identify public and private sector sources of … Continue reading Consumer Privacy – Overview & Awareness of Issues
In Trouble – Dealing with Financial Difficulties
In this lesson students will become aware of the warning signs of financial difficulties. Teaching Objectives: Describe some of the ways you can get in trouble using credit Explain the first steps to take if you can’t pay your bills on time Describe the debt management services provided by nonprofit credit counseling centers List some … Continue reading In Trouble – Dealing with Financial Difficulties
Consumer Awareness – Decision Making Methods
In this lesson students combine decision-making methods with comparative shopping techniques, recognize common consumer scams, and provide the knowledge and skills necessary to effectively handle consumer complaints. Teaching Objectives: Use decision-making methods before purchasing a product or service Customize and use a comparative-shopping chart Identify alternative buying plans, and list the advantages and disadvantages of … Continue reading Consumer Awareness – Decision Making Methods
The Influence of Advertising – Understanding Techniques
In this lesson students recognize how and when advertising techniques can influence buying decisions. Teaching Objectives: Understand and identify basic advertising techniques and appeals Understand and identify deceptive or questionable advertising techniques Give examples of commonly seen misleading advertisements, and identify the deceptive or questionable appeals and techniques used in each Discriminate between facts and … Continue reading The Influence of Advertising – Understanding Techniques
Cars & Loans – Costs & Responsibilities
In this lesson students investigate the legal and financial responsibilities of buying, maintaining, insuring, and operating a car, and translate those responsibilities into a monthly budget. Teaching Objectives: List some of the costs of owning and operating a car Given a budget, decide how much you can afford to pay for a car List some … Continue reading Cars & Loans – Costs & Responsibilities
Buying a Home – Understanding the Process and Costs
In this lesson students gain a basic understanding of the process and costs involved with home buying. Teaching Objectives: Compare benefits and drawbacks of renting vs. buying a home Develop a knowledge of the home-buying process Understand steps involved in applying for a mortgage Understand and compare various types of mortgages Identify actions to take … Continue reading Buying a Home – Understanding the Process and Costs
