Each team has a budget of $45 to spend to modify a cup into the ultimate predator.  After predators are constructed, students battle to pop each others’ balloons.  Whichever predator is able to survive is the apex predator.

In this lesson, students demonstrate understanding of the processes associated with banking by role-playing as customers, tellers, and guards.

In this lesson, students listen to a story and answer questions about lending in Bangladesh. They complete a diagram that shows the impact of lending on a community. Working as a class, they compare the similarities and differences between banks lending in the United States and the Grameen Bank lending in Bangladesh. Students work with a partner to estimate profits based on Sufiya's prices and costs in the book.

In this lesson, students learn the importance of credit, how it is used, and compare the advantages and disadvantages of using cash and credit.

In this lesson, students share the book Ben and Me, by Robert Lawson, to learn about borrowing, lending, and interest. Students complete a worksheet about borrowing money, create a table that shows the advantages and disadvantages of borrowing money, and role-play borrowing and lending money.

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.

This activity focuses on the importance of using mathematics to find deals when grocery shopping.  Students will analyze data from local grocery store advertisements and determine the best deals by using multiple strategies.  This task will also require students to find and compare unit rates, which connects the fourth grade concepts of solving problems involving money and using place value understanding to do arithmetic to the sixth grade standard of determining a unit rate.  Once students find which store offers the best deal, they will create a public service announcement teaching others how to find the best deals when grocery shopping. This public service announcement is an opportunity to use precise mathematical language and construct viable arguments.  This lesson was developed by NCDPI as part of the Academically and/or Intellectually Gifted Instructional Resources Project. This lesson plan has been vetted at the state level for standards alignment, AIG focus, and content accuracy.

This is the answer key for the resource, Credit and Debt-Handout B-Control of Spending.

These scenario cards are to be used with the lesson, Credit and Debt.

In this lesson, students use the book, Four Dollars and Fifty Cents, to discover ways that creditors can obtain payment from reluctant debtors.

The Hands on Banking? program is an interactive financial-literacy curriculum for students. This teacher?s guide is designed for the Kids? (grades 4 and 5) curriculum of the program. The "Budgeting" section is page 20. The "Savings and Checking" Guide and the "Credit and You" sections are on pages 35 and 60 respectively. The Hands on Banking program was developed to teach both the basics of good money management and the skills needed to create a brighter financial future. The lessons examine financial concepts and decision-making through illustration, real-life problems, and mathematical computation.

In this lesson, students describe the various ways people save money and explain how people can earn money. Students list the costs of their spending decisions and analyze the trade-offs of various spending and saving decisions.

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.

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

In this lesson, students read a book about Matthew Martin who wants a new computer program. He has no savings, and he's in debt to most of his classmates and his parents. His parents share their experiences of buying on credit and getting out of debt. Matthew uses his allowance to pay off his debts and saves until he can buy the computer program. Students learn about the advantages and disadvantages of saving and credit, and they have an opportunity to obtain homework passes on credit.

This activity is intended for use with the lesson "Not for a Billion Gazillion Dollars." In this lesson plan, students will read the book, "Not for a Billion Gazillion Dollars" by Paula Danziger. Swill understand the advantages and disadvantages of saving and credit, and they have an opportunity to obtain homework passes on credit.

In this lesson, students learn about opportunity cost, saving, savings goals and a savings plan. Students develop savings plans that lead to their own savings goals.