1. Managing Spending  TLW: prepare a budget to help you manage your money wisely.  Activity: Read pages 445-446. Class discussion. Complete managing Your Money worksheet.  Warm – up: budget – a written plan to help you make the most of the money you have.

2. Managing Spending  TLW: prepare a budget to help you manage your money wisely.  Activity: Read pages 447-448. Class discussion. Complete Preparing a Budget.  Warm – up: emergency cash fund – this fund covers unexpected expenses.

3. Managing Spending  TLW: identify and use reliable sources of consumer information.  Activity: Read pages 448-449. Class discussion. Complete Fixed and Flexible Expenses worksheet.  Warm – up: consumers – people who use their income to buy the items they need and want.

4. Managing Spending  TLW: explain the methods businesses use to promote goods and services.  Activity: Read page 449. Class discussion. Complete Be an Informed Consumer worksheet.  Warm-up: goods – any type of product consumers buy, such as food or clothing.

5. Managing Spending  TWL: explain the methods businesses use to promote goods and services.  Activity: Select an item you want to purchase and list as many resources for information about it as possible.  Warm-up: services – any type of work they pay to have done – hairstyling, repairs, or cleaning.

6. Managing Spending  TLW: Identify and use reliable sources of consumer information.  Activity: Read page 450. Class discussion.  Warm-up: warranty – a written promise that guarantees a product will meet certain performance and quality standards.

7. Managing Spending  TLW: Identify and use reliable sources of consumer information.  Activity: Read page 451. Class discussion. Complete The Pros and Cons of Advertising worksheet.  Warm-up: service contract – an extended warranty.

8. Managing Spending  TLW: Make wise shopping decisions about where and how to shop.  Activity: Read pages 452. Class discussion. Complete Advertising activity with class.  Warm-up: impulse buying – an unplanned purchase.

9. Managing Spending  TLW: Make wise shopping decisions about where and how to shop.  Activity: Read page 453. Class discussion. Complete Where to Shop activity.  Warm-up: comparison shopping – one way to compare products before you buy.

10. Managing Spending  TLW: Describe your consumer rights and responsibilities.  Activity: Read pages 454-455. Class discussion.  Warm-up: recourse – you have the right to complain and receive some response.

11. Managing Spending  TLW: Explain how your consumer rights are protected.  Activity: Read pages 456-458. Class discussion. Complete Comparison Shopping activity.  Warm-up: Better Business Bureau (BBB) – a nonprofit organization sponsored by private businesses that tries to settle consumer complaints against local business firms.

12. Managing Spending  TLW: Explain how your consumer rights are protected.  Activity: Read page 459. Complete The Right Way to Complain worksheet.  Warm-up: Consumer Product Safety Commission (CPSC) – protects your right to safety of household products such as toys, appliances, tools, clothing and furniture.

13. Managing Spending  TLW: Explain how your consumer rights are protected.  Activity: Read pages 460-461. Class discussion. Write a complaint letter.  Warm-up: Food and Drug Administration (FDA) - protects your right to safety by regulating the production, packaging, and labeling of foods, drugs, and cosmetics.

14. Managing Spending  TLW: Explain how your consumer rights are protected.  Activity: Read page 464. Look up product recalls on line.  Warm-up: Federal Trade Commission (FTC) – protects your rights to information and selections by preventing unfair competition, deceptive trade practices, and false advertising.

15. Managing Spending  TLW: Explain how your consumer rights are protected.  Activity: Read page 465. Class discussion.  Warm-up: Federal Communications Commission (FCC) – protects your rights to information and selection by handling complaints about the practices and charges of wired and wireless telephone systems.

16. Managing Spending  TLW: Review for Chapter 24 Test

17. Managing Spending  Chapter 24 Test