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Learning Goal:
The students will demonstrate knowledge of financial literacy concepts such as needs, wants, savings, budget and
interest.
Learning Objectives:
1. Students will understand the vocabulary terms including cost, benefits, loss, budgeting, checking and savings
account.
2. Students will be able to plan for spending money in order to make informed choices
3. Students will be able to identify how income is used to save, spent on goods and services.
4. Students will be able to understand that you may have to give up the opportunity to buy things now in order to
buy things later.
5. Students will create a saving goal as a reward to save money.
6. Students will understand that you may lose money when taking a risk.
7. Students will be able to identify reasons for paying your bills on time.
8. Student will be able to create their own budget using a sheet.
9. Students will apply basic math such addition and subtraction to help fill in the budget sheet.
NCSS Themes
Florida Standards (FS)
Next Generation
Sunshine State
Standards (NGSSS)
List each standard.
Cutting and pasting
from the website is
allowed.
http://www.cpalms.org/
Public/
NCSS theme(s):
Production, Distribution, and Consumption
Florida Standard(s):
1.
LAFS.4.SL.2.4-Report on a topic or text, tell a story, or recount an experience in an organized manner, using
appropriate facts and relevant, descriptive details to support main ideas or themes; speak clearly at an understandable
pace. Cognitive Complexity: Level 3: Strategic Thinking & Complex Reasoning
2.
LAFS.4.RI.3.AP.7a: Identify relevant information presented visually, orally or quantitatively (e.g., in charts,
graphs, diagrams, time lines, animations or interactive elements on Web pages) to answer questions.
3.
MAFS.K12.MP.4.1: Model with mathematics. Mathematically proficient students can apply the mathematics
they know to solve problems arising in everyday life, society, and the workplace.
SocialStudiesLesson/UnitPlanTemplate(precursortoTeacherWorkSample(TWS)inInternshipII)
SS.4.FL.3.1- Identify ways that income is saved, spent on goods and services, or used to pay taxes.
4.
SS.4.FL.3.2- Explain that when people save money, they give up the opportunity to buy things now in order
to buy things later.
5.
SS.4.FL.3.4- Identify savings goals people set as incentives to save. One savings goal might be to buy goods
and services in the future.
6.
SS.4.FL.6.3- Describe ways that individuals can either choose to accept risk or take steps to protect
themselves by avoiding or reducing risk.
SocialStudiesLesson/UnitPlanTemplate(precursortoTeacherWorkSample(TWS)inInternshipII)
Assessment
How will student
learning be assessed?
Authentic/Alternative
assessments?
Does your assessment
align with your
objectives, standards
and procedures?
Informal assessment
(multiple modes):
participation rubrics,
journal entries,
collaborative
planning/presentation
notes, etc.
Unit Pre-Assessment: Kahoot will be used as a pre/ post assessment. The questions will include basic questions about
needs, wants, saving, interest, and budgeting as the first day is a basic overview of everything and on the last day to track
students progress. Students will be using Ipads to take assessments.
Unit Post-Assessment: This is the same as the pre-assessment. Including the Kahoot quiz, IPads, and the IWB.
On-going daily (progress-monitoring) Assessment: The on-going daily assessment will be using Marzanos scale.
Rubric/ Checklist: Student will be provided with a checklist that they will check off daily as they add things to their
safety deposit box as well as a way to keep track of all items.
On-going daily Assessment: Use Marzano scale to review from the previous day. By doing this, I am ensuring that all
the students have enough prior knowledge in order to move forward with the lesson. Later on, when the students are in
centers, I will pull out any students who said they were at a 1 or 2 when self assessing themselves at the beginning. I
hope to clear any confusion they may have during the allotted time so they can be successful while moving forward.
Then I will walk around the room while the students are in centers answering any questions they may have while making
sure they are on task. Here is the scale I will be using to allow students to self-assess:
4- I fully understand the concepts of needs, wants, savings, budgeting and interest and I can teach friend.
3- I fully understand the concepts of needs, wants, savings, budgeting and interest.
2- I need more practice understand the concepts of needs, wants, savings, budgeting and interest.
1- Do not understand the concepts of needs, wants, savings, budgeting and interest.
Exit Slip: Student will create their own budget (15 minutes)
1. Tell students that they need to plan a budget based off their $500.00 salary that they will receive on Friday.
2. Tell students that they must pay all of their bills first before they can figure out how much money will the use for
spending/ checking account and what they may want to put in their saving account.
3. Student will then pull out their short term goal from their safe deposit box and add the cost of the item into their
budget sheet. Once they have added that into their budget sheet, make sure to have the student label next to the money
they put in their savings account what they are saving up for (Have students place budget sheet in the safe deposit box
because they will need it in day 5)
ESOL: 1,2,3,4, 5, 6, 7, 8, 9, 14, 15, 16, 17,18, 20, 22, 23, 27, 29, 30, 32, 36, 46 ESE: 7.1, 9.3
Expense
Category
Cost of
Living
Lee
Fees
Other
Penaltys
Late Fee
Month
Checking
Account
Saving
Account
SocialStudiesLesson/UnitPlanTemplate(precursortoTeacherWorkSample(TWS)inInternshipII)
$100.00
30.00
Turning
homework
late
$10.00- If its
one day late
$25.00- two
days or more.
Week 1
Sewage (using
the classroom
sink/ bathroom/
water fountain)
$50.00
10.00
Late for
class
(unexcused)
$10.00 less
than 15 late
20.00- If you
are more than
15 minutes late.
Week 2
Electric
(Classroom
lights/
computers/ and
thing that gets
plugged into a
wall outlet)
$100.00
20.00
Unexcused
absences
$100.00
Week 3
Week 4
Week 5
Total Amount
Due at the end
of the week:
SocialStudiesLesson/UnitPlanTemplate(precursortoTeacherWorkSample(TWS)inInternshipII)
Instructions
Review (5 minute) Teacher will let the students discussion what they learned on Monday lessons with a table partner.
After a minute or so, the teacher will lead the class into a discussion that highlighting some key points from Mondays
lesson. Teacher will also remind class on how they will start to get paid for doing their classroom job ($500/ per week).
ESOL: 1, 2,3,4,6, 8,10,,11,13,15,17, 22,27,29,31,32,36, 44 ESE: 3.1
Introducing what a budget is (10 minutes)Teacher will then introduce to students to seven key vocabulary terms. Ask student what they may think each word
means. Teacher might want to engage in a classroom discussion, ask probing questions and allow students to think a
little. Then after a few minutes explain exactly what each word means to the class to clarify any misconceptions.
ESOL: 1,2,34,5,6,8,11,12,17, 20, 22, 23, 27, 32, 36 43, 44 ESE:2.1
*Note: Teacher can use the IWB to display vocabulary words*
1. Cost- is things that a decision maker (you) gives up.
Example: The cost of living (again this would be calculated by adding the rent, electric and sewage together.)
3.
Benefit- are things that a decision maker (you) gains
Example: The amount of money left over after all expenses have been paid.
4.
Loss- students may lose money when taking a risk.
Example: not paying your bills on time may be consider as a risk because you may have to pay late fees.
5.
Budget- The total sum of money set aside or needed for a purpose.
6.
Savings Account- A sum of money saved for a particular purpose.
Example: something you are saving to buy at the school store that you cant afford at the moment or need the extra
money to pay late fees.
7.
Checking Account- the amount of money that you can use for spending (may also be refer to as spending money)
*Note: Have students assesse themselves using Marzanos scale. ESOL:1,2,3,4,5,6,13,15*
SocialStudiesLesson/UnitPlanTemplate(precursortoTeacherWorkSample(TWS)inInternshipII)
udlguidelines_graphicor
ganizer
money that is left over can be spent how they choose or saved in a saving accounts for emergencies or something special.
This helps students relate budgeting to real world situations but on a smaller scale.
ESOL: 1, 5, 6, 7, 8, 14, 15,17, 20, 22, 23, 27, 30, 36, 46 ESE:1.1
*Note: teacher might want to post Expense sheet somewhere in the classroom as a reference for students.*
Expense
Category
Rent (Desk and
Chair)
Cost of
Living
$100.00
Lee Fees
Other Penaltys
Late Fees
30.00
Turning
homework late
$50.00
10.00
$10.00- If its
one day late
$25.00- two
days or more.
$10.00 less
than 15 late
20.00- If you
are more than
15 minutes late.
Electric
(Classroom lights/
computers/ and
thing that gets
plugged into a
wall outlet)
$100.00
20.00
Unexcused
absences
$100.00
SocialStudiesLesson/UnitPlanTemplate(precursortoTeacherWorkSample(TWS)inInternshipII)
B. Late Fee Notice: Teacher can briefly review what a late fee notice is and how to fill one out. Teacher must
explain the importance on saving the notice and how to make sure to file this away.
ESOL: 1, 5, 6, 7, 8, 14, 15, 17, 20, 22, 23, 27, 30, 36, 46
*What is a Lee Fee Notice: If a student has any late fees the will receive a notice from the teacher
that will state all late fees and penalty charges and when they must be paid.*
SocialStudiesLesson/UnitPlanTemplate(precursortoTeacherWorkSample(TWS)inInternshipII)
SocialStudiesLesson/UnitPlanTemplate(precursortoTeacherWorkSample(TWS)inInternshipII)
Expense
Category
Cost of
Living
Lee
Fees
Other
Penaltys
Late
Fee
Month
(Insert
the
Month
here )
May
Checking
Account
(Only
money
that can
be spent
at the
school
store.)
375.00
Saving Account
(Something you are
saving to buy at the
school store that you
cant afford at the
moment or need the
extra money to pay
late fees.)
Rent (Desk
and Chair)
$100.00
30.00
Turning
homework
late
$10.00If its
one day
late
$25.00two
days or
more.
375.00
Sewage
(using the
classroom
sink/
bathroom/
water
fountain)
$50.00
10.00
Late for
class
(unexcused)
$10.00
less
than 15
late
20.00If you
are
more
than 15
minutes
late.
Week 1
(insert
the date
of
Monday
and
Friday )
May 1May 5
Week 2 0
(insert
the date
of
Monday
and
Friday )
Electric
(Classroom
lights/
computers/
and thing
that gets
$100.00
20.00
Unexcused
absences
$100.00
Week 3 0
(insert
the date
of
Monday
and
SocialStudiesLesson/UnitPlanTemplate(precursortoTeacherWorkSample(TWS)inInternshipII)
plugged
into a wall
outlet)
Friday )
Week 4 0
(insert
the date
of
Monday
and
Friday )
Week 5 0
(insert
the
date)
Total
250.00
0
0
375.00
375.00
Amount
Due at the
end of the
week:
*Note: Have students assess themselves using Marzanos scale. ESOL:1,2,3,4,5,6,13,15*
Resources/Materials
DiscussionNotes:Makecommentshererelatedtoideasforassessmentmeasures,parentinvolvement,fieldtrips,orextensiontotheunitplanideas.
SocialStudiesLesson/UnitPlanTemplate(precursortoTeacherWorkSample(TWS)inInternshipII)
Weekly Salary
$500.00
$500.00
$500.00
$500.00
$500.00
$500.00
$500.00
$500.00
$500.00
$500.00
$500.00
$500.00
$500.00
$500.00
SocialStudiesLesson/UnitPlanTemplate(precursortoTeacherWorkSample(TWS)inInternshipII)
SocialStudiesLesson/UnitPlanTemplate(precursortoTeacherWorkSample(TWS)inInternshipII)
4- I fully understand the concepts of needs, wants, savings, budgeting and interest and I can teach friend.
3- I fully understand the concepts of needs, wants, savings, budgeting and interest.
2- I need more practice understand the concepts of needs, wants, savings, budgeting and interest.
1- Do not understand the concepts of needs, wants, savings, budgeting and interest.