1. Budgeting in 9 th Grade High School Financial Literacy #4 (Microsoft, 2011 )

2. Pre-Test 1.What are the three keys to keeping a budget? 2.What are the two main categories of a budget? 3.What is the most important key to keeping a budget?

3. Objectives Keys to a Good Budget Sample Monthly Budget: 9 th Grader Plan for a Monthly Budget

4. Review Last Lesson 1.Website that helps students estimate their college financial aid package – FinAid 2.Types of financial aid that many students get – Work Study, Scholarships, Grants 3.A good word to type in a college’s Search field to get financial aid information – Calculator

5. Teenagers and Money Video Which teenagers on the video do you think manage their money well? Which teenagers do not do this well?

6. Keys to a Good Budget 1.Set Goals – Balance Income and Expenses 2.Create and Modify Your Budget – Always look for ways to make your budget better 3.Follow Through – Most important – Make budgeting a habit

7. 1.Money Earned – Landscaping/Lawn Service – Babysitting – Restaurant: Bussing tables staff, dishwasher 2.Allowance – Monthly amount from your parents 3.Other – Birthday or Christmas money – Interest from savings account Income (Money Earned)

8. 1.Entertainment – Movies, Sporting Events, Snacks, Pizza Parlor 2.Clothes – May not spend money on clothes every month 3.Transportation – Help friends with gas money, Bus 4.Technology – Video Games, Download Music 5.Savings Expenses

9. 9 th grader How much money the student earns varies – Between $100 - $125 a month – Babysitting and dishwashing job: hours vary Set a saving’s goal for $45.00 a month Sample Monthly Budget

10. Sample Monthly Budget Income

13. Interview a Partner What are some new ways you can earn money as a 9 th grader? How much money do you hope to save monthly? On a scale to from one to ten, how well do you think you will follow through using a budget? Why?

14. Classroom Discussion What are some new ways you can earn money as a 9 th grader? How much money do you hope to save monthly? On a scale to from one to ten, how well do you think you will follow through using a budget? Why?

15. Post-Test 1.What are the three keys to keeping a budget? 2.What are the two main categories of a budget? 3.What is the most important key to keeping a budget?

16. Review 1.Three keys to keeping a budget Set goals Create and modify your budget Follow through 2.Two main categories of a budget – Income and Expenses 3.Most important key to keeping a budget – Follow through