Curated OER
Recession Lesson: The Silver Lining of the Economic Downturn
Students discuss money and interest. In this discussing money and interest instructional activity, students discuss positives of an economic recession. Students discuss how savings rates have increased over time and the...
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Balancing a Budget
Students calculate living expenses for a non-traditional career choice. They examine interest, balancing a checkbook, and financing cars and homes.
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We Don't Waste Money, So Where Does It All Go?
Students explore the concept of financial planning. In this financial planning lesson, students read an article about different families' financial plans. Students select 10 stocks to monitor over the next four weeks.
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Making Money
Students form a company to see it they can create a product that can sell and make a profit for the company. Working in small groups, they create a business plan and gather the resources to make their product. Students market and sell...
Visa
Road Rules: Researching and Buying a Car
How do the loan principal, interest rate, and term all factor into a monthly car payment? Introduce your class to some of the key steps and considerations of obtaining a loan and purchasing a car.
Practical Money Skills
Using Banking Services
Using a bank is a privilege and a responsibility for young consumers. Teach them the important terms and details about creating accounts, using an ATM, and maintaining a credit card.
Curated OER
Traveling Across America
Students plan a trip to a state capital of their choice with a budget of $2,000. The budgets include site seeing, lodging, food and all necessary expenses. Students keep a daily journal and maintain their budget.
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The Odyssey
Students research and plan the routes and expenses associated in an "Odyssey" that they plan for themselves. They decide which countries they will visit and what they will see while they are there. They have a spending limit which they...
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Getting Green for Christmas
Students examine their family's particular spending habits for a holiday they celebrate, research the financial expectations of retailers during the holiday season and at other times during the year.
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Smart Consumers, Smart Choices
Students see what it means to be a smart consumer by engaging in a level-headed analysis of budget, opportunity costs and self-regulation. They compare prices within a service field, and weigh the choices of spending money on that item.
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Utah Pioneers
Fourth graders investigate the hardships faced by the Utah pioneers. In small groups they calculate a budget using a determined amount of money, select a challenge for the group, and discuss how their group overcomes the challenges...
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Tarantula Shoes
Students read a book about Ryan O'Keefe, a young man who wants a pair of basketball shoes promoted by a basketball star. They explore about spending, saving, opportunity cost, and trade-offs as they study Ryan's decisions throughout the...
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Intro to Building Bridges
Learners participate in groups to complete the best bridge. In this bridge building activity, students are assigned a role in building the bridge. Learners will have to keep to their budgets. After the bridges are built,...
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Value of Education: Education and Earning Power
Students explore the concept a higher education yields higher earnings. Throughout the class, students visit six workstations and examine occupations, education, salaries, spending, banking, and taxes. As students rotate through the...
Curated OER
Recipe Formats - Level II
A recipe, no matter its format, gives ingredients and instructions for a specific food so that the food item tastes the same every time. See Preface Materials:
Curated OER
Scarcity, Choice and Decisions
Students study the basic economic trilogy (scarcity, choice, and costs). In this money management lesson, students use a scenario of a High School Prom to calculate how scarcity, choice and cost apply by completing provided worksheets...
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Consumer Borrowing and Spending
Credit can be confusing for teens, some of whom are already using credit cards. Clear up misconceptions with this group research activity which has a solid outline with a lot of room to adjust to your needs and resources. Groups are...
Virginia Department of Education
Practical Problems Involving Decimals
After discussing decimals and "going shopping" in the classroom, young mathematicians are given four practical word problems that require them to estimate their answers, given specific information. The highlight of the lesson is...
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Trail Mix
Third graders, given the price of different ingredients, make a trail mix of five different items without exceeding their budget of five dollars. They choose between pretzels, M&M's, twizzlers, popcorn, etc,. Each student practices...
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Foreign Exchange
Students share ideas about the values of foreign currencies relative to the U.S. dollar. They research the economy of a foreign country and prepare a budget for one month study abroad.
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Values Auction
Learners assess what they value and participate in a class auction. In this financial values lesson, students complete a budget activity and use play money to participate in an auction. Learners complete a related worksheet and take a...
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The Leaves in October
Young scholars determine whether or not to save or spend and defend a decision. In this personal finance lesson, students identify opportunity cost of various spending and saving decisions. Young scholars read a story where two...
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Building a Better Home for the Three Little Pigs
Fourth graders draw a set of blueprints and record measurements on them. They add, subtract and multiply to work within their house-building budget.
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Credit Inventory
In this money management learning exercise, students read a paragraph regarding credit and then respond to 6 short answer questions regarding credit.