Manage Money

Community Literacy of Ontario Activities List

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Page | Page Secondary Secondary Secondary

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Independence Apprenticeship Employment Independence Apprenticeship Employment Independence Post Secondary Apprenticeship Employment Independence Post Secondary Apprenticeship Employment Independence Post Secondary Employment

    Goal Paths Supportedby this Activity                

1 1

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Numeracy in in Action Numeracy ormation to make multi ormation C1 C1 ow C1. C1. C1. Level Low L

and analyze numerical inf and analyze

Curriculum and Resources to Understand and Use Numbers Use and to Understand Resources and Curriculum level inferences to calculate costs and expensesmay that and costs to calculate inferences level

Notes

Activity

Find, integrate budgetscostprepare calculations options and to compare Understand and Use Numbers Understand and Use Manage Money make calculationssimple Compare and costs Make low and discounts taxes include as rates such

Practitioner Practitioner Notes Learner Activity Practitioner Learner Activity Practitioner Notes Learner Practitioner Practitioner Notes Learner Activity Practitioner Notes Learner Activity

          4. Costing a Shopping 4. List a Costing Shopping 5. Expenses Tracking Automobile 3. Paying With 3. Cash Paying With 2. Comparing Amounts 1. Recognizing Coins Activity Name

4 27 33 23 11 Page Community Literacy Ontario of Manage Money Manage * Level Indicators represent end of level of Indicators * represent end Level Level 3 Level Indicator: Level 1 Level Indicator: 2 Level Indicator: Task Group Task 1: Group Activities List Competency C: Activities List

Page | Page Secondary Secondary Secondary Secondary Secondary Secondary ------Independence Employment Independence Independence Post Secondary Employment Independence Apprenticeship Employment Independence Post Apprenticeship Employment Independence Post Secondary Apprenticeship Employment Employment Apprenticeship Post Apprenticeship Employment Independence Post Secondary Apprenticeship Employment Independence Post Secondary Employment

                                

2 2 3 3 2 2 2 Numeracy in in Action Numeracy C1.3 C1. C1. C1.3 C1. C1. C1.3 C1. C1. C1.

Curriculum and Resources to Understand and Use Numbers Use and to Understand Resources and Curriculum

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Activity Practitioner Practitioner Notes Learner Activity Practitioner Notes Learner Activ Practitioner Notes Learner Activity Learner Activity Practitioner Notes Learner Activity Practitioner Notes Learner Activity Practitioner Practitioner Notes Learner Activ Practitioner Notes Learner Practitioner Notes Practitioner Practitioner Notes Learner Activity Practitioner Notes Learner Activity

                    14. Points Loyalty Cards Comparisons 15.NowPay or Pay Later 13. Working 13. With Ratios Working 12. Shopping in the United States or Canada or States the 12.United Shopping in 10. Veterinarian’s Estimate 10. Veterinarian’s 11.Trip Costing a 9. Furniture Store Sale Prices 9. Sale Furniture Store 8. Unit Price Three Product Product Comparisons Three 8. Unit Price 7. Unit Price Comparison 7. Unit Price 6. Comparing Costs of Living On or OnCampus Off 6. of Living Comparing Costs

95 89 80 63 73 57 52 45 39 104 Community Literacy Ontario of Manage Money Manage Activities List

Page | Page Numeracy in in Action Numeracy

Curriculum and Resources to Understand and Use Numbers Use and to Understand Resources and Curriculum

Ratios and Rates Foreign Exchange Partnership Ratios Information Information Sheet Checking Your Calculations UnitPrice Comparison

118 121 123 114 116 Page Community Literacy Ontario of Manage Money Manage

Activity 1: Recognizing Coins

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Community Literacy Ontario of Manage Money Manage

Materials Required values. frequently changing nor money values. different sided Background Information made Canadianfrom a are variety coins word Thisearly is an values. Learners Level 1: Compare costs and make calculations simple 1: make Level Compare costs and Competency: Understand and Use NumbersUse and Competency: Understand Money Task Group: Manage C1.1 Activity Activity 1: Recognizing Coins

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Activity Answers

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five cents - Words dollar dollar Value ten cents twenty one two five cents

Numeracy in in Action Numeracy

5 or5 25 Symbol Numeral and $0.10or 10¢ $0.2 $1.00 $2.00 $0.05or 5¢

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1 Coin Back

Curriculum and Resources to Understand and Use Numbers Use and to Understand Resources and Curriculum

Handout

Coin Front

Answers

Toonie

Loonie Quarter Dime Nickel Coin Name Community Literacy Ontario of Manage Money Manage

Activity 1: Recognizing Coins

Page | Page

$0.25 or 25¢ or $0.25 $2.00 $2.00

$1.00 $1.00 $2.00

$0.10 or 10¢ $0.10 or

¢ 5

or or

Numeracy in in Action Numeracy 05 1.00 0. $0.05 or 5¢ $0.05 or Symbol Numeral Symbol and

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Symbol and Numeral Numeral and Symbol

Loonie Nickel Quarter Quarter Nickel

Handout Dime Dime

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Community Literacy Ontario of Manage Money Manage

Activity 1: Recognizing Coins

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A2.1 ( Page | Page

Complete and create and create Complete

Numeracy in in Action Numeracy

A2. Interpret documents A2. Interpret ng:

Task Group Task B3. Group

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Curriculum and Resources to Understand and Use Numbers Use and to Understand Resources and Curriculum Ideas and Information Ideas

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sible next steps to further develop learner proficiency. learner develop further to steps sible next s activity also incorporates elements of the followi the of elements incorporates also activity s Community Literacy Ontario of Manage Money Manage (B3.1a) by:(B3.1a) In the this learner activity, Competency B documents Competency A. In t this activity, In this activity, the learner reads brief texts to locate specific details (A1.1) by: details (A1.1) texts to locate specific brief reads In the this learner activity, Competency A. Thi In this activity, the learner compares costs and makes simple calculations (C1.1) by:(C1.1) simple and calculations makes costs compares In the learner this activity, the Task Group Level 1 Indicator. You and the learner could use this information along with this information along use thecould learner and You Indicator. 1 Groupthe Level Task some identify and progression determine skill performance, discuss to featuresactivity the of pos This activity incorporates incorporates This activity Activity 1: Recognizing Coins

______

Page | Page in Words ______Value ______

in besidewords the

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__ Symbol Symbol Numeral ______

Coin Back Coin Back

Curriculum and Resources to Understand and Use Numbers Use and to Understand Resources and Curriculum

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1 Activity 1: Recognizing Coins Recognizing 1: Activity

Coin Front Coin Front

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Write the nametheWrite of the coin,its symbol and numeral andits coinsin Match therealcoinsto the Activity 1: Recognizing Coins

Page | Page

$0.25 or 25¢ ___ Numeracy in in Action Numeracy Symboland Numeral ______

Symboland Numeral

quarter Symboland Numeral ______Symboland Numeral ______Symboland Numeral ______Symboland Numeral ______Symboland Numeral ______

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______Name______Name______Name______Name______

Name

Community Literacy Ontario of Manage Money Manage

Write the nametheWrite of the coin Match therealcoinsto picturesthe below by placingrealcoin the over picture.the Handout Activity 2: Comparing Amounts

Page | Page comparisons at comparisons at n activities activities n

bills and how toand how write bills By making By Numeracy in in Action Numeracy Practitioner Notes Practitioner

and Resources to Understand and Use Numbers Use and to Understand Resources and

Amount

the comparison of grocery items. Groceries are a large a are large of groceryGroceries items. the comparison 1 to 6

Curriculum

eople can spend hundreds of dollars more per year than necessary, if if necessary, than per year dollarsmore of hundreds spend eople can

andouts H and p and

LCF level 1 activity for learners who are just starting to compare money to compare who just starting arefor learners 1 LCF level activity

ctivity ctivity A 4 $2.00 @ (toonie) 4 $1.00 @ (loonie) 4 $0.25 @ (quarter) 5 $0.10 @ (dime) 5 $0.05 @ (nickel)

o o o o o als Required Learner the following: of a with minimum coins of Canadian Optional:variety A

  Community Literacy Ontario of Manage Money Manage

Materi household expense, dealpossible. the toto theycomparepricesbest don’t how get know to money. learnersstart save can flyers, and through sales the looking grocery store Activity Handouts 5 and 6 Activity and involve Handouts 5 Learning to compare is important. No matter what goal path a learner is on, they will compare compare on,they is a will path learner goal what No matter important. Learning to compare is decisions.Price dailymake compariso to informed basis thingsand on a contrast of money values. as well as understanding oforder an mathematical develop understanding an Background Information Before doing this activity learners should know the value of coins the and of coins value know learners should Beforedoing this activity numerical amountsinform. of money values. Learners will practise comparing pairs of numerically written values, which include which values, include of numerically written pairs practise comparing values. Learners will dollars cents. and Thisearly OA is an Task Group: Manage Money Task Group: Manage calculations simple 1: make Level Compare costs and Competency: Understand and Use NumbersUse and Competency: Understand C1.1 Activity 2: Comparing Comparing 2: Activity Activity 2: Comparing Amounts

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value value

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, “<”, “>” “>” “<”,

required for this activity

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No InformationNo The in values real task the with learning “paper” Thishelps the to link actual coins. Enhanced compare the prices for pairs of products and pairs compare for the prices priced circle the item lesser “=”, 6 Forand Handouts 5 Activity values the values and circle learner about the math relation symbols learner mathsymbols about relation the and value For Activity Handouts 3 Forand Handouts 3 Activity For the pair, write value may also be usefulmay also be For learners with low reading skills, the instructions may be provided verbally. However, this this However, verbally. be provided instructions may the skills, low reading withForlearners Grouptheelements. remove Task wouldA1.1 P Handouts two for typestasks each with Activity of Instructions Activity 2: Comparing Amounts

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and Resources to Understand and Use Numbers Use and to Understand Resources and

Curriculum

Activity Answers Community Literacy Ontario of Handout Handout Manage Money Manage

Activity 2: Comparing Amounts

Page | Page Numeracy in in Action Numeracy

and Resources to Understand and Use Numbers Use and to Understand Resources and

Curriculum

3 4

Handout Handout Community Literacy Ontario of Manage Money Manage

Activity 2: Comparing Amounts

Page | Page Numeracy in in Action Numeracy

and Resources to Understand and Use Numbers Use and to Understand Resources and

Curriculum

5 6

Handout Handout Community Literacy Ontario of Manage Money Manage

Activity 2: Comparing Amounts

Page | Page

by:

nce Numeracy in in Action Numeracy

, Task Group B3. Complete and create and create Complete Task B3. Group , Performance Descriptors associated with associated Descriptors Performance evaluate and integrate information and integrate evaluate

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Communicate Ideas and Information Ideas Communicate

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Community Literacy Ontario of Manage Money Manage (B3.1a) by:(B3.1a) documents simpledocuments very to complete entries makes straightforward In the this learner activity, Competency B Competency A. Find and Use Information, Task Group A2. Interpret documents Task A2. Interpret Group Information, Use Competency A. Find and In the this learner activity, In this activity, the learner reads brief texts to locate specific details (A1.1) texts to locate specific brief reads In the this learner activity, This activity also incorporates elements of the following: the of elements incorporates also This activity text continuous Task A1. Read Group Information, Use Competency A. Find and In this activity, the learner compares costs and makes simple calculations (C1.1) by:(C1.1) simple and calculations makes costs compares In the learner this activity, the Task Group Level 1 Indicator. You and the learner could use this information along with this information along use thecould learner and You Indicator. 1 Groupthe Level Task some identify and progression determine skill performance, discuss to featuresactivity the of furtheto possiblesteps next This activity incorporates elements of the following following theof elements incorporates This activity Activity 2: Comparing Amounts

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Community Literacy Ontario of Manage Money Manage the groupthe besideit and circle correctthe symbol in the middlecolumn. Write outWrite valuethe of eachgroupcoins of Comparebelow. values the of each Handout Activity 2: Comparing Amounts

Page | Page

SAVE

$1.11SAVE VARIETIES 3 1 KG

$1.88 ea.

Granulated 2 Kg – Process Cheese Slices

REDPATH SUGAR REDPATH

KRAFT PEANUT BUTTER $3.99 EACH $2.00SAVE 750 g SELECTED erstand and Use Numbers Use and erstand Numeracy in in Action Numeracy

Black Diamond Selected500 g varieties

DEMPSTERS WHOLE GRAINS $2.49 EACH UP SAVE TO 60¢ 600 g SELECTED VARIETIES

Curriculum and Resources to Und Resources and Curriculum

SAVE $1 SAVE

2 kg

Sugar Redpath Granulated

$3.79 ea. SAVE upSAVE to $2.30 4359783

500 g. 500 g. SELECTED VARIETIES Our 6.57 Reg. Our 5

Black Diamond Cheese Slices Black Diamond Cheese

Kraft Peanut Butter Peanut Kraft 1Kg 600g Selected600g Varieties Dempsters Whole Grain Bread Community Literacy Ontario of Manage Money Manage Foreachpair below,circle onethe that costs less. Handout Activity 2: Comparing Amounts

225 g Page | Page 284 ml can ml 284 ½ PRICE ORIGINAL KRAFT

DINNER 88¢ ea.

Cream of Tomato, of Cream

Cream of Mushroom, Mushroom, of Cream

CAMPBELL’S SOUPS CAMPBELL’S Vegetable or Chicken Noodle Noodle Chicken or Vegetable

erstand and Use Numbers Use and erstand

Numeracy in in Action Numeracy 44

1 SAVE $2 UP TO THIS WEEK ONLY NABISCO CRACKERS 454100 TO G SELECTED VARIETIES SILHOUETTE YOGURT SILHOUETTE G x 100 16

$2.00 Curriculum and Resources to Und Resources and Curriculum EACH $1.59 TO UP SAVE

can kg

ONLY 284 ml 284

Mushroom, Vegetableor Tomato SoupTomato Campbell’s Chicken Noodle

SAVE S2.72

NABISCO CRACKERS NABISCO

SELECTED VARIETIES 100 454TO g

SILHOUETTE YOGURT SILHOUETTE 16 x 100 G $3.33 225 G ORIGINAL KRAFT DINNER 89¢ EACH 49¢ SAVE Community Literacy Ontario of Manage Money Manage Foreachpair below,circle onethe that costs less. Handout Activity 3: Paying with Cash

Page | Page

Numeracy in in Action Numeracy

Practitioner Notes Practitioner

and Resources to Understand and Use Numbers Use and to Understand Resources and

he toonie, is occasionally spelled "twonie" or spelled is hetoonie, occasionally "twonie"

Cash

Curriculum

ct as the ct cashier as Paying With With Paying : 5 @ $1.00 loonie = $5.00 5 $5.00 $1.00 = @ loonie $2.50 10quarter = $0.25 @ $1.00 10dime = $0.10 @ $0.50 10nickel = $0.05 @ 3 @ $2.00 toonie = $6.00 (T toonie 3 $6.00 $2.00 @ = the use Mint Canadian the newspapersRoyal and "twoonie", but Canadian "toonie" spelling.) 3

o o o o o the learner is paying cash out as part of their work or personal life, or taking cash in, takingin, or cash personal ortheir life, work part of as paying cash out is the learner dd whole numbers and decimals and numbersdd whole ecognizenumber the coins of value A person to A to a person Learner Activity HandoutLearner Activity following denominations: $15.00 the in R A earner will need to know howknow need to: to earner will

     Community Literacy Ontario of Manage Money Manage Materials Required Whether important. the out to amounts is ability count specific Background Information The l Before doing this activity, the instructor should review the various denominations of Canadian the denominations of Canadian various review should the instructor Beforedoing this activity, coins the with learner. Task Group: Manage Money Task Group: Manage calculations simple 1: make Level Compare costs and Competency: Understand and Use NumbersUse and Competency: Understand C1.1 Activity Activity 3: Paying with Cash

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e activity and again at and the at again activity end e Information elements of the task. the of Information elements

required for this activity

(check the Canadian flag) the Canadian (check

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support for working with basic cash recognition and counting skills, t cash and skills, recognition counting basic with for working support aids.com/Money/Counting_Coins_Canadian.html uiz.org/tq -

The learner may have help in reading the task instructions, however, this will will this however, instructions, thehelp task have reading in may learnerThe Activity Answers www.homeschoolmath.net/worksheets/canadian www.math www.thatq www.funbrain.com/cashreg nformation I

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No No Some are: examples If you need further If further needyou quizzes and/or online generate will worksheets arethat websites useful front of the learner at the beginning of th of beginning the at frontthe learner of lost affect the Competency A. Find A.and Use affect Find Competency the coins We real use suggest you Provide the learner with the Activity Handouts and have a person interact with the learner as withlearner as the person and a interact the have Activity Handouts with Provide the learner the cashier. Instructions Activity 3: Paying with Cash

Page | Page

B1. Interact with others with Interact B1.

Numeracy in in Action Numeracy

clearly defined purposes clearly

simple calculations (C1.1) by:(C1.1) simple calculations

, Task Group ,

learner could use this information along with this information along use could learner

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Activity 5: Tracking Automobile Expenses

- 33

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- 39

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8. 7. Community Literacy Ontario of Manage Money Manage Activity 7: Unit Price Comparison

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Find and Use Information elements of the task. the of elements Find and Information Use Provide the learner with the A Provide with the learner the willCompete this however,affect chart, information the in finding instructions and is the price. Optional: is Optional: the You may price. al Handout As an introducti (foundpage on Instruc Materials Required The learner needs to have a prior understanding of: prior understanding needs a to Thehave learner In this activity, the learner will use unit pricing to understand and use rates. use understand and rates. to pricing unit use will In the this learner activity, Level 2:low Level Make Competency: Understand and Use NumbersUse and Competency: Understand Money Task Group: Manage C1.2 Activity Activity Activity 7: Unit Price Comparison

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Compare produce and meat unit prices found in grocery store prices store inf unit found grocery Compareand producemeat regular price. sale and price a betweenor a another shoppingstore over one in or have the learner use a cell phone with a calculator, to make prtomake a usecell a phone with calculator, ora the have learner products. stickers onstickers them. along calculator their Take tagsa shelves. price on unit usesstorethat tourTake a of a grocery Use actual product containers with prices to calculate unit price and make comparisons.For pricemake unit prices and to calculate Use with actual product containers example, have several Enhanced

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47 $/g

Page | Page 0.0097 0.0097

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Activity 7: Unit Price Comparison

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Community Literacy Ontario of Manage Money Manage

In this activity, the learner reads texts to locate and connect ideas and information (A1.2) by: (A1.2) information and ideas toand connect texts locate reads In the this learner activity, Competency A. Competency A. Find an This activity also incorporates elements of the following: the of elements incorporates also This activity include rates In this activity, the learner makes low In the learner this activity, the Task Group Level 2 Indicator. You and the learner could use this information along with this information along use thecould learner and You Indicator. 2 Groupthe Level Task determine performance, discuss to featuresactivity the of proficiency. learner further develop to possiblesteps next This activity incorporates elements of the following Performance Descriptors associated with associated Descriptors Performance following theof elements incorporates This activity Activity 7: Unit Price Comparison

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Community Literacy Ontario of Manage Money Manage

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       Community Literacy Ontario of Manage Money Manage

Materials Required You may onpage49) In this activity, the learner will use unit pricing to understand and use rates. The learner needs The use understand and rates. learner to pricing unit use will In the this learner activity, understanding of: to have prior a Level 2:Level Task Group: Manage Money Task Group: Manage Competency: Understand and Use NumbersUse and Competency: Understand C1.2 Activity Activity Activity 8: Unit Price Three Product Comparisons

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Community Literacy Ontario of Manage Money Manage

In this activity, the learner reads texts to locate and connect ideas and and ideas toand connect texts locate reads In the this learner activity, This activity also incorporates elements of the following: the of elements incorporates also This activity text continuous Task A1. Read Group Information, Use Competency A. Find and include rates In this activity, the Task some identify and progression determine skill performance, discuss to featuresactivity the of proficiency. learner further develop to possiblesteps next This activity incorporates elements of the following Performance Descriptors associated with associated Descriptors Performance following theof elements incorporates This activity Activity 8: Unit Price Three Product Comparisons

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57 ,

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ractitioner Notes ractitioner

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Community Literacy Ontario of 6. 5. 3. 4. 2. Only some basic steps are shown below for your assistance. The learner may show more assistance. The for learner Only basicyour below someshown steps are steps. 1. Manage Money Manage

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Page | Page

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Community Literacy Ontario of Manage Money Manage

In this activity, the learner reads brief texts to locate specific details (A1.1) by: details (A1.1) texts to locate specific brief reads In the this learner activity, Competency A. Find and Use Information, Task Group A1. Read continuous text continuous Task A1. Read Group Information, Use Competency A. Find and This activity also incorporates elements of the following: the of elements incorporates also This activity include rates In this activity, the learner makes low In the learner this activity, the Task Group Level 2 Indicator. You and the learner could use this this inf use thecould learner and You Indicator. 2 Groupthe Level Task some identify and progression determine skill performance, discuss to featuresactivity the of proficiency. learner further develop to possiblesteps next This activity incorporates elements of the following Performance Descriptors associated with associated Descriptors Performance following theof elements incorporates This activity Activity 9: Furniture Store Sale Prices

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Community Literacy Ontario of Manage Money Manage

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Community Literacy Ontario of Manage Money Manage

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Community Literacy Ontario of Manage Money Manage

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Activity 10: Veterinarian’s Estimate

3.75 70

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71 35.00 80.00

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Activity 10: Veterinarian’s Estimate

Page | Page

TOTAL

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Community Literacy Ontario of Manage Money Manage

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Cards Points Loyalty : 4 1 Activity

Activity 15: Pay Now or Pay Later Comparisons

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111

Cards Points Loyalty : 4 1 Activity

Money Manage

Pay Now or Pay Later Financing Comparison Chart Handout

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117

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the dollar Occasional ordomestic Canadian currencybasecurrencythe is and the foreign currency,such as exchangehowin muchone whole unitof the other country’scurrency will costus in Canadian dollars.When the exchange isquoted this way Thismakessense. You wouldn’tsay what part of a chocolate bar youcan buy$1.00.for Rather,you currency,ourinCanadian case isusually Dollars, counter the currency. varies curre An exchangeAn r counterthe currency. Thebasecurrency staysconstant at one and thecounter currency wouldbe1.1000 US to C places.) Eightchocolate bars wouldco Dollars buying anything else. aIthas price $1.10, soit cost may $1.10 buyto one unit of another country’scurrency, asuch as US TheDollar.rates are 1 chocolatebarevery for $1.10 C A foreignexchange A rate is simply pricethe forwhich thecurrency unitof one country exchangedbemay for ofthat another country.Buying a foreigncurrency muchis like worth can alsoprevent fromyou being cheated. y a goodalways ideato figure howout much it isactually goingcost to soyou,canyou decidevalueanythe of purchase expense.or Knowing exactlyhow muchyour ismoney If you'reIf planning toshop online fromother countries toortravel outside ofCanada Information Information Handouts

122

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partnershipis Therearedifferent many optionsfor differentmany partnership situations. However, understandingmaththe and knowingwhat you can expect beforeyou In another case,you mayhaveaninvestor who will put money into the businessand a wants sharein profit,the butwill not take 4:5. Let’s say Let’s Jane and Anna havea cleaning business, bu Anna doesTheyfive. decidemay tohave a profit and losssharingratio agreement of Accounting ratiosmay bebased on other factors one partnercompared another. to Other Profit and Loss Sharing Ratios So, in thisSo,in case,i andreceive Bert would two Writing these asWritingthese fractions of the whole

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