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Cha-Ching Classroom Activity Spend Your Money Wisely, My Friend

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Cha-Ching Classroom Activity Spend Your Money Wisely, My Friend Cha Ching Family Activity #1 Cha-ChingIt’s Got Classroom to be Earned Activity Spend Your Money Wisely, My Friend Overview: Kids know their parents go to work and sometimes even visit them there. But for Overview: In this activity, students play a game to experience the challenges and rewards of younger children, work takes their parents away from them each day and they don't understand why. balancing needs and wants. After viewing the video Spend Your Money Wisely My Friend, students work Even older children, who typically understand that people go to work to earn money, may lack together to define needs and wants and provide examples. Students play a game in which they make decisionsunderstanding about about how theywhy wantearning to spendmoney a is given important. amount At of school, money, your but child they ishave learning to stay that on everythingtheir toes because—justcosts money and as inthat real is life—circumstanceswhy people work. In change! this activity, Finally, families students work summarize together theirto make earn, visible spend, the save, andinvisible donate process plans of to earning see how to far pay they’ve bills and come to purchase in learning things about we money. need and want to help children understand that money must be earned. TargetActivity Audience: Duration: Grades Varies 3–6 ActivityOutcome Duration: 45 minutes • Students will learn about their parent’s profession and other professions in their community Essential Questions Materials ● What is the difference between a want and a need? • Computer or tablet with internet access ● How can I balance my spending and saving? Procedure ● What is it like to make hard decisions about money? 1. During a trip to the grocery store, shopping mall, department store, or other type of store, look at Objectivesprice tags with your child. Ask them how much each thing costs. Ask which items cost money. Help your child conclude that everything costs money. Explain that we work to earn money to help pay Students will: for things we need and want. Ask your child to tell you what they have learned in school about why ●adults Differentiate work. Note betweenany misconceptions needs and andwants be sure to address them as you discuss the video. ● Apply budgeting strategies to pay for needs and wants 2. WATCH the video It’s Got to Be Earned with your child. Activity Vocabulary: 3. DISCUSS what happened with Zul and how he solved his problem. ● Budget 4. ●TOGETHER, Savings talk about your work. Tell your child your “work story”. Allow your child to ask you ●questions, Needs such as the following: • What do you do when you go to work? What does an average day look like? ●• WantsWhy do you spend so many hours there? ●• PrioritiesWhat training did you have to do to prepare for your current job? • How long have you been at your current job? ● Comparison Shopping • How do you get paid (e.g., paper paycheck, electronic bank deposit, etc.)? ●• InstantWhat wasGratification your motivation for choosing your job? Did you think about how much money you ● Advertiserswould earn? and OR didMarketers you choose their job because of your skills, talents and/or interests? Or both? Materials• How do you decide how to spend the money you earn? ● Video: Spend Your Money Wisely My Friend ● Handout: Spend Your Money Wisely My Friend lyrics (1 per group) Cha Ching Family Activity #1 ● Budget Game: Living on a 20 Square Salary (from West Virginia Department of the Treasury, Financial Education Programs)It’s Got to be Earned Other versions: Overview:○ Kids know their parents go to work and sometimes even visit them there. But for younger children, worky The takes Bean their Game parents away from them each day and they don't understand why. Even older children, y whoThe typically Bean Game: understand Living on that a “20 people Bean go Salary” to work to earn money, may lack understanding about why earning money is important. At school, your child is learning that everything costs● moneyGame andplay thatmaterials is why (may people include work. game In this cards, activity, beans, families tokens) work together to make visible the invisible● Handout: process Myof earning Money toPlan pay (1 b perills andstudent) to purchase things we need and want to help children understand that money must be earned. ● Ads from local grocery and department stores as well as ads from various superstores like Walmart, Target, etc. (either in print form or online) Activity Duration: Varies ● Chart paper Outcome ● Self-stick notes • Students will learn about their parent’s profession and other professions in their community Other Spend Episodes Materials Earn, Save, Spend & Donate ●• Computer or tablet with internet access ● Please Little Spender Think Procedure ● When You Get Money 1. During a trip to the grocery store, shopping mall, department store, or other type of store, look at ●price Big, tags Big withWaste your of Moneychild. Ask them how much each thing costs. Ask which items cost money. Help your child conclude that everything costs money. Explain that we work to earn money to help pay ● So Yesterday for things we need and want. Ask your child to tell you what they have learned in school about why ●adults Cha-Cha-Choices work. Note any misconceptions and be sure to address them as you discuss the video. 2. WATCH the video It’s Got to Be Earned with your child. Procedure 3. DISCUSS1. (Note what for thehappened Teacher: with This Zul is theand one how choice he solved kids hisknow problem. the most about! Unlike earning and saving, spending is visible and usually has immediate, tangible results. Your students may have a 4. TOGETHER,lot of “expertise” talk about yourto add!) work. Engage Tell your students child yourby asking “work the story”. following Allow questions: your child to ask you questions, such as the following: Are you a spender or a saver? • What● do you do when you go to work? What does an average day look like? • Why● Whendo you you spend choose so many to ‘spend’ hours what there? do you like to spend money on? (Is that good or bad? Why?) • What training did you have to do to prepare for your current job? ● When you’re spending, What is the difference between a need and a want? Can you give • How somelong have examples? you been at your current job? • How do you get paid (e.g., paper paycheck, electronic bank deposit, etc.)? Can we buy anything and everything—needs and wants? Why can’t we just buy the things • What● was your motivation for choosing your job? Did you think about how much money you we need and the things we want? would earn? OR did you choose their job because of your skills, talents and/or interests? Or both?● The name of today’s activity is Spend Your Money Wisely, My Friend. What do you think it • How meansdo you todecide spend how your to money spend thewisely? money you earn? 2. Say, “We’ve learned a lot about earning, saving, and donating. We have even made plans—or budgets—for each. Spending is one of the choices you have with your money. And it’s not good or bad to spend. It’s part of life (a big part of it). But there is a difference between spending and Cha Ching Family Activity #1 thinking about your spending. That’s what the video we’re going to watch is about—thinking about spending. It’s Got to be Earned 3. Show the video Spend Your Money Wisely My Friend. (Optional: Share the Overview: Kids know their parents go to work and sometimes even visit them there.Spend ButYou forMoney lyrics.) younger Wiselychildren, My work Friend takes their parents away from them each day and they don't understand why. Even4. older Discuss children, the videowho typically with the understand class. Did they that like people the video? go to work Why toor earnwhy mnot?oney, Ask may students lack to understandingdescribe about the choiceswhy earning the band money made is important. and identify At school,some of your their child needs is learningand wants. that Ask, everything “What costs moneychoices and did that they is why make? people Which work. characters In this activity, spent wisely? families Which work didtogether not?” to make visible the invisible5. Divideprocess students of earning into to small pay bgroupsills and and to purchaseexplain that things they we are need going and to wantplay ato game. help childrenDistribute understandgame that play money materials must and be earned.go over the directions together. As students play the game, they will work together to make financial decisions. Conversations may get heated as choices are made; Activityremind Duration: students that Varies sometimes it is challenging to make hard choices about money, but they must work together and agree. Remind students there are no right or wrong answers; all of our Outcomechoices depend on our end goals. • Students will learn about their parent’s profession and other professions in their community 6. After playing the game, regroup students to debrief. Ask them to share their thoughts and ideas Materialsabout the experience. Ask questions to extend their thinking, such as the following: • Computer● Was it or difficult tablet with to internetmake choices access between wants and needs as you balanced your budget? Procedure● What was most challenging? What was most rewarding? 1. During● a tripWhat to kinds the grocery of conversations store, shopping did you mall, have department during the store, game? or other type of store, look at price tags with your child. Ask them how much each thing costs.
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