At the end of the lesson, you will understand money decisions, such as: how much to spend, how much to save, and how having or not having money affects your every day life.

Ben & Jerry are producers of ice cream. Even if they produce ice cream for the entire nation, they still must make choices on which flavor to produce! Scarce resources force them to make a choice!

In this lesson, students use the book, The Berenstain Bears' Mad, Mad, Mad Toy Craze, to learn about spending, collecting, opportunity cost, saving, and speculating.

In this lesson, students will identify sources of income and expenses. They will develop a budget in order to be able to explain the importance of personal financial decisions and how it can affect everyday life.

In this lesson, students share several chapters from the book Shoeshine Girl, by Clyde Robert Bulla, to learn about the role of money, labor, earning income, positive and negative incentives, and improving human capital and productivity. Students complete a worksheet on earning money, discuss possible careers, and complete an activity that shows the importance of learning and practicing new skills.

In this lesson based on From the Mixed-up Files of Mrs. Basil E. Frankweiler, students use the experiences of Claudia and Jamie to learn about income, expenses, and the budget process. The book follows the adventures of two runaway children hiding out in the Metropolitan Museum of Art in New York City. Students complete an activity emphasizing the need for income and the importance of planning and budgets. Students also have an opportunity to update some of the 1967 prices used in the book. The assessment activity has students sort through expenses and income sources to construct their own weekly budget.

In this lesson, students read a story about a young girl named Sara. Sara has always made gifts for her family for special occasions. For Mother's Day, Sara decides she wants to buy a gift for her mother. After reading and discussing the story, students create booklets to illustrate Sara's short-term savings goal and their own short-term savings goal.

With this lesson, students experience creating a budget and starting a simple business. Students use economic terms as well as experience the market or free-enterprise system.

In this lesson, students use data collected from the Internal Revenue Service for the tax year 2003 to become involved in an inquiry of individual federal income taxes.

In this lesson, students examine spending and saving decisions related to the book, Kermit the Hermit, a crab who wished to repay a poor boy's kindness but couldn't figure out how.

In this lesson, students read a story about a family living in a shelter. The daughter, Livvy, and a friend, Belinda, sell tissue roses. They share their profits. Belinda spends her money; Livvy saves her. Students learn about different places to save their money and the advantages and disadvantages of each. They also learn that spending and saving decisions each have opportunity costs.

In this lesson, students learn and explain that everyone has wants that are satisfied by consuming goods and services. Lesson is found on pages 8-10 of the pdf.

In this lesson, students look at saving and spending decisions in 1944 through the eyes of Molly, a nine-year-old growing up during World War II. The lesson uses Meet Molly, An American Girl, by Valerie Tripp. The book is the first in a series of six books that feature Molly in 1944 America. After reading chapter 1, students complete an activity designed to focus on the reason for Victory gardens in 1944. After chapter 2, students complete "Halloween Opportunities," an activity that stresses the similarity between saving and spending decisions in 1944 and 1998 and that teaches opportunity cost. The last activity, "American Factories Go to War" utilizes the nonfiction excerpt in the back of the book to help students understand the large amount of saving that took place during the war because of consumer good shortages.

This student guide is intended for use with the lesson "Money Responsibility." In this lesson, students will understand the concept of being responsible for managing money through accurate record-keeping. Students will understand the effects of theit money-related behavior.

In this lesson, students will understand the concept of being responsible for managing money through accurate record-keeping. Students will understand the effects of theit money-related behavior.

Needs and Wants vary based on setting.  Students need to be aware of this when discussing needs and wants.

In this lesson, students listen to a personal finance story written and illustrated by an economics magnet school student that has now been published as a book. After an explanation of their own class book project on the topic of personal finance tips has been given, students will discuss sample tips and their meanings. Students will then create an original tip and illustration as a page for the class book to be self-published.

This is a companion to the lesson Saving and Investing- Lesson 3 (Teacher's guide). This will help student work through savings plans on a small and large scale. They will learn about the different saving options they have through financial institutions and calculate interest of their investment.

In this lesson, students are provided with a basic knowledge of saving and investing to show the role of financial institutions relative to savings. Through this lesson, students are encouraged to "pay themselves first" by making commitments to saving money on a regular basis.