Living On Your Own (Take Charge of Your Finances): 12-Week Coursework Plan
Day
1
Tues
Unit/Lesson
Intro to LOYO
Activities
Assessment or Homework
Supplies needed
Syllabus & Course Map, icebreaker, “housekeeping”; 30
minute class
Bring 1 ½” 3-ring binder by
Thursday
Find Someone Who – icebreaker
sheets
2
Wed
1.30.0.B0 Pre-Test
1.30.0.G1 Semester Trivia
3 45
Thurs
Fri
Mon
1.0.6 Financial Literacy
Portfolio
Financial Literacy Portfolio explanation
1.17.2 Needs vs. Wants
5.0.2 Attitudes About
Money
Introduction, worksheet, discussion
Four on the Floor using 5.0.2.A1 statements
Needs vs. Wants worksheet
1.17.3.G1 Setting Financial Goals powerpoint
Shake Out My Future activity
What’s Missing?
Setting a Financial Goal practice
Note-taking guide
Shake Out My Future worksheet
1.17.3 Setting Financial
Goals
Setting Financial Goals
Information sheet– reading
homework
Setting an Educational or
Financial Goal-homework
(student chooses)
Setting a Goal worksheethomework
6&7
Tues
Wed
1.11.2 Life Cycle of Financial
Planning
Discussion/information
Age-Group activity
2.1.1 Does Money Grow On
Trees?
Read Information sheet-10 minutes to complete
Brainstorming activity – whiteboards X 2
2.1.1.G1 Does Money Grow On Trees? Power point
(Eliminate balloon tower activity)
Complete DMGonT? worksheet as a class
Personal Life Cycle of Financial
Planning-homework to be
completed with a parent or
guardian. Signature required. Due
in 2 days.
Note taking guide
Mind Mapping
Does Money Grow on Trees
1.30.0.B0 Pre-test
Projector
1.17.3.F1 Setting Financial Goals
Information Sheet
1.0.6 Personal Information
1.0.4.B1 Personal Finance Portfolio
Rubric
Set of dividers for each student
1.17.2.A1 Worksheet
Signs: Needs/Wants
Four on the Floor papers:
A&B
Projector
1.17.3.L1 Note-taking guide
1.17.2.A1 Shake Out My
Future worksheet
Die
Whiteboards
1.17.3.A2 Setting a Financial Goal
worksheet
1.17.3.A3 Setting an Educational
Goal worksheet
1.17.3.A4 Setting a Goal worksheet
Overhead
1.11.2.D2 An Individual’s Financial
Life Cycle transparency
1.11.2.D1 Personal Financial
Management Pyramid
transparency
1.11.2.H1 Age Group titles on
butcher paper
Markers
1.11.2.C1 Answer Key
2.1.1.F1 Does Money Grow On
Trees Information Sheet
2.1.1.H1 Brainstorming Questions
ActivityCards
Living On Your Own (Take Charge of Your Finances): 12-Week Coursework Plan
Worksheet
8&9
Thurs
Fri
1.1.6 Interest Inventory
Meet in computer lab
Discussion/instructions
Score Personality Mosaic Test
Personality Mosaic Testhomework
Interest Inventory research
Complete Career Interest Inventory at www.bridges.com/cx
10
Mon
Career Plan
Multiple Intelligences Inventory & scoring
Key Employee Skills “frame”: complete as class
Career Plan Organizer explanation: summarizing your
information
11
Tues
1.1.9 Investment in Yourself
Draw colored squares from bag when entering the room
1.1.9.G1 Investment In Yourself ppt
Education vs. Income activity
Multiple Intelligences Inventory
Key Employee Skills frame
Career Plan Organizer and
reflection paper-homework
Note taking guide and worksheet
Mr. Holland’s Opus worksheet
Movie ”Mr. Holland’s Opus”
12
Wed
13
Thurs
1.13.1 Understanding Your
Mr. Holland’s Opus – conclusion
Essay – due in two days
Alternative activity: Speaker from counseling department
Career Development and Life Cycle Planning test
Alt.: Essay “The Life Path of…”:
interview and describe life path of
someone you know
Test
Movie clip “The Pursuit of Happyness”
Note taking guide
whiteboards/markers/cloths
2.1.1.L1 A Look From the Treetop
note taking guide
Projector
2.1.1.H2 Does Money Grow on
Trees? Worksheet
1.1.6.A2 Personality Mosaic Test
1.1.6.C1 Interpreting the
Personality Mosaic Answer Key
1.6.1.A4 Personality Mosaic Career
Options
1.1.6.E1 Career Interest Inventory
Resources
1.1.6.A1 Interest Inventory
Research Information
Multiple Intelligences Inventory
(Walter McKenzie, 1999)
Overhead
Frame forms (4 across-2 each)
“Frame” transparencies
Career Plan Graphic Organizers
1.1.9.L1 Investment In Yourself
note taking guide
1.1.9.A1 Investment In Yourself
worksheet
1.1.9.E2 Traits of Successful
Workers handout
1.1.9.E3 Job Search Strategies
Colored squares
Bag
Projector/DVD
1.1.10.A1 Mr. Holland’s Opus
worksheet
1.1.10.B1 Mr. Holland’s Opus Essay
Rubric
The Life Path of…essay rubric
1.30.0.B1 Career Development &
Life Cycle Planning assessment
Projector/DVD
Living On Your Own (Take Charge of Your Finances): 12-Week Coursework Plan
Paycheck
14
Fri
1.13.1.G1 Understanding Your Paycheck power point
Google Earth look at where tax dollars are spent
Powerpoint continued-begin with slide 13
Fill out I-9 form
Complete note taking guide using information sheet
Note taking guide
Paycheck Stub 1 practice
Where Did All The Earnings Go? Twister (koosh ball) review
Introduction to Spending Plans
information sheet – reading
homework
Record income and expenses for 4
days - homework
15
Mon
1.15.3 Introduction to
Spending Plans
1.15.3.G1 Introduction to Spending Plans ppt
Slides 1-5 stop/think/pair/share
Bathtub Analogy
Slides 6-9 stop/think/pair/share
Slides 10-15 stop/think/pair/share
Slides 16-21
16
Tues
1.15.2 Developing a
Spending Plan
Jigsaw spending plan information – read assigned chunks in
groups, report out to class
Discuss spending reports
Spending Plan Shake Up
1.15.2.G1 Developing a Spending Plan ppt
The Costs Add Up activity
Calculate expenditures in dollars based on % of income
Personal Bathtub Analogy
Expenditures calculations
Spending Plan 101 - homework
17
Wed
1.30.0.B2 Test – Paychecks and Spending Plans
Test
1.13.1.L1 Understanding Your
Paycheck note taking guide
Form W-4
Form I-9
1.13.1.F1 Understanding Your
Paycheck information sheet
Calculators
1.13.1.A2 Paycheck Stub 1
worksheet
Koosh balls/twister mats
1.13.1.H1 activity cards
1.13.1.K1 answers
1.13.1.A4 Reviewing Paychecks
1.15.3.F1 Intro to Spending Plans
Information sheet
Income and Expense record sheet
Projector
Clear container w/spout
1.15.3.A1 Personal Bathtub
Analogy worksheet
1.15.3.D2 Katie Cole’s Balance
Sheet transparency
1.15.3.D3 & D4 transparencies
1.15.3.D5 transparency
1.15.2.F1 Developing a Spending
Plan information sheet
2.15.1.H2 Spending Plan Shake-Up
Activity Cards and beans
Projector
1.15.2.H2 Envelope Budgeting
System labels on envelopes
Check register
MontGuide Average expenditures
survey 2005
Expenditures worksheet
Calculators
1.15.2.A1 Spending Plan 101
worksheet
1.30.0.B2 Paychecks and Spending
Plans Assessment
Living On Your Own (Take Charge of Your Finances): 12-Week Coursework Plan
1.14.1 Introduction to
Savings
Read “Kermit the Hermit”book / discuss
1.14.1.G1 Introduction to Saving ppt
Complete worksheet using information sheet
Saving vs. Investing worksheet –
homework if not finished in class
18
Thurs
1.14.5 Time Value of Money
Music playing: theme from “The Apprentice”
Each student receives $100 in play money…what would you
do with it?
Discussion
Calculation example on the board: compounding interest
Practice calculation
70-20-10 calculation practice based on net hypothetical
income
Revisit the $100 – how has your opinion changed?
Complete worksheet together as a class.
Motley Fool article – take home
and share with parent or
guardian. Signature required. Due
in 2 days.
19
Fri
20
Mon
1.14.3 Rule of 72
Cutouts of “72” hanging from ceiling , one for each student
1.14.3.G1 Rule of 72 ppt
Read “The Berenstain Bears‘ Trouble With Money” aloud
Discussion
1.14.2.G1 Managing Your Cash ppt
Rule of 72 worksheet
1.14.2 Managing Your Cash
21
Tues
1.14.4 Savings Terminology
22,
23, 24
Wed
Thurs
1.12.2 Language of The
Stock Market
Note taking guide
Cash Management Tools
worksheet
Review activity: cut worksheet questions apart, draw from
basket, students answer on whiteboards
Complete Managing Your Cash worksheet in pairs
Managing Your Cash worksheet
Saving Terminology Bingo
Word search - homework
Test
Saving Terminology Test
Read Language of the Stock Market information sheet
Discuss Investment Risk Pyramid
“Kermit the Hermit” book
Projector
1.14.1.A1 Savings vs. Investing
worksheet
1.14.1.F1 Introduction to Saving
information sheet
Calculators
Music:”The Apprentice” theme
The Motley Fool article
Overhead
1.14.5.D3 Importance of Interest
Rates transparency
1.14.5.D1 The Costs Add Up
transparency
1.14.5.F1 Time Value of Money
information sheet
1.14.5.A1 Time Value of Money
worksheet
1.14.3.A1 Rule of 72 worksheet
Calculators
Projector
1.14.2.L1 Managing Your Cash
note taking guide
1.14.A1 Cash Management Tools
worksheet
Whiteboards/markers/cloths
1.14.2.F1 Managing Your Cash
information sheet
1.14.2.A2 Managing Your Cash
worksheet
1.14.4.H1 Saving Terminology
Bingo Cards
1.14.4.E Saving Terminology
handout
1.14.4.A1 Saving Word Search
1.14.4.B1 Saving Terminology
Assessment
1.12.2.F1 Language of the Stock
Market information sheet
Living On Your Own (Take Charge of Your Finances): 12-Week Coursework Plan
Fri
1.12.2.F1 Language of the Stock Market power point
Slide 33 – stop
Reading stock quotes in newspaper activity
Continue ppt to end
Demonstration of supply and demand
Movie clip “Wall Street” – trading floor at NYSE
1.12.2.H2 Terminology Challenge – as matches are made,
post on the board using matching “teacher” cards containing
terms and definitions.
1.12.2.G2 Language of the Stock Market Trivia
Test (shortened class period - assembly)
25
Mon
1.12.5 Tracking a Stock
26
Tues
27
Wed
28
Thurs
1.9.5 Securing a Living Space
Language of the Stock Market
Test
Introduce lesson to students
Discussion of stock tracking assignment
Set up files in computer lab
Review presentation rubric
1.9.2 How to Locate a Living
Space
Language of the Stock Market
worksheet – use information
sheet to complete
(Progress Reports are sent home)
Assign students to groups for activity using Brainstorm cards
Read information sheet to each other
Brainstorm Activity
1.9.2.G1 How To Locate a Living Space ppt
Judge Judy clip – renter/landlord dispute
Pictures of damage that would cause loss of security deposit
1.9.5.G1 Securing a Living Space ppt
Complete rental application
Flyswatter Facts review using worksheet questions
Quiz using “voting cards”
Bring a newspaper business
section to class - homework
Researching a company
worksheet
Excel stock tracking file
Presentation-due in November
How to Locate a Living Space
worksheet
Reading Living Space
Advertisements
Rental application
1.12.2.D1 Investment Risk Pyramid
transparency
1.12.2.A1 Language of the Stock
Market worksheet
Projector
Business section – local newspaper
Play money
Candy bars, granola bars
DVD – “Wall Street”
Balloons
1.12.2.H2 Stock Market
Terminology
Trivia game prizes
1.12.2.B1 Language of the Stock
Market Assessment
4.19.5 How To Read Stock Tables
Bulletin Board
1.12.5.A1 Researching a Company
worksheet
1.12.5A2 Tracking a Stock
Instruction sheet
Disc w/Microsoft Excel tracking file
for each student
1.9.2.F1 How to Locate a Living
Space information sheet
1.9.2.H1 Brainstorm cards
Butcher paper/markers
Projector
1.9.2.A1 How to Locate a Living
Space worksheet
1.9.2.B1 Reading Living Space
Advertisements assessment
1.9.5.A1 Securing a Living Space
worksheet
1.9.5.A2 Rental Application
1.9.5.H1 Activity Cards
Flyswatters
Worksheet answers on cards
A,B,C voting cards
Living On Your Own (Take Charge of Your Finances): 12-Week Coursework Plan
29 &
30
Fri
Mon
1.9.1 Choosing Housing
Necessities
Tues
31
Wed
NO SCHOOL -CONFERENCES
Researching an Automobile
32&33
Thurs
Fri
1.16.3.BAII Plus Shopping for
an Automobile Loan
34
Mon
1.16.1 Automobile Insurance
Price is Right – household items
Poll class – 1st apartment or dorm room?
Tape off 10’ x 15’ area in classroom-discussion
Work through Body of lesson – work in table groups for
brainstorming
Pair “dorm” students, create groups of 3 or 4 for
“apartment” students.
Show pictures of uncommon items.
Speaker – local automobile salesperson
1.16.3.G2 Shopping for an Automobile Loan Using Standard
Calculators power point
Calculate cost of loans
Choosing Housing Necessities
worksheet-work with roommates
to choose and price furnishings
Housing Needs and Wants
worksheet
Create a graphic organizer to
explain the 7 steps of the buying
process
Shopping for an Automobile Loan
information sheet-reading
homework
What Do I Need To Know?
worksheet
Calculating the Cost of a Loan
worksheet
Shopping for an Automobile Loan
Using Standard Calculators
worksheet
What’s the Best Deal? activity
Extra credit: Shopping for an
Automobile Loan Using Web Site
Calculators worksheet
Driving in Bolivia power point
Jigsaw information sheet – report out to class
1.16.1.G1 Automobile Insurance power point
Take notes during presentation
Look at and discuss minimum requirements in Michigan
Note taking guide
Automobile Insurance review homework
1.9.1.A1 Choosing Housing
Necessities worksheet
Newspaper advertisements
Catalogs
Pictures of “uncommon”
household items
Calculators
“You’re My Roommate” cards
1.9.1.H1 Fortune Cards
1.9.1.A2 Housing Needs and Wants
worksheet
1.16.2.F1 Researching an
Automobile information sheet
1.16.3.F1(BAII Plus) Shopping for
an Automobile information sheet
1.16.3.A1(BAII Plus) Automobile
Loans-What Do I Need To Know?
Worksheet
Projector
Calculators
1.16.3.A2(BAIIPlus) Calculating the
Cost of a Loan worksheet
1.16.3.A4 (BAIIPlus) Shopping for
an Automobile Loan Using
Standard Calculators
1.16.3.H1 What’s the Best Deal?
Activity cards
1.16.3.K1 What’s the Best Deal
answer key
1.16.3.A5(BAIIPlus)Shopping for an
Automobile Loan Using Web Site
Calculators worksheet
Projector
1.16.1.F1 Automobile Insurance
information sheet
1.16.1.L1 Automobile Insurance
note taking guide
Living On Your Own (Take Charge of Your Finances): 12-Week Coursework Plan
using website
Fly Swatter Facts review
35
Tues
Nutrition
Transportation Test
Transportation test
Nutrition power point to review/explain role and sources of
nutrients
Note taking guide
Food diary – homework to record
food intake for4 days
Nutrition label reading - practice
36&37
Wed
Thurs
1.8.2 Grocery Shopping
Within a Budget
Share Your Tips…how to eat healthy and stay within your
budget.
38
Fri
1.7.3 Depository Institutions
On the board: What’s a DEPOSITORY INSTITUTION?
1.7.3.G1 Depository Institutions ppt
Divide class into three groups to research depository
institution services
Complete worksheets
39
Mon
Food diaries due
1.7.2 Electronic Banking
Nutrition note taking guide
Food packages with nutrition
labeling
Food diary
Projector
Focus Activity Question: You have $25…what will you buy for
dinner for you and three friends?
Discussion – follow lesson plan body
Students will work together as “roommates” from housing
assignment
Groups report on Depository Institution services, students
complete comparison
Students read Electronic Banking Scenario worksheet and
complete vocab, safe & unsafe banking practices activity
1.7.2.G1 Electronic Banking power point
1.7.2.J1 Electronic Banking Trivia power point
List of website resources
Fly Swatters
1.16.1.K1 Automobile Insurance
Fly Swatter Facts
1.16.0.M1 Transportation
Assessment
Nutrition power point
Projector
Menu Planning and Grocery
Pricing Project
Essay-homework
Note taking guide
Use information sheet to answer
questions on worksheet
Make phone calls or visit
depository institutions-report
back next class-homework
Food diary reflection (Type 3
writing)-homework
Electronic banking scenario
1.8.2.E1 Grocery Shopping Tips
1.8.2.A1 Grocery Planning
worksheet
1.8.2.A2 Grocery Shopping List
1.8.2.B1 Menu Planning and
Grocery Pricing Project Directions
1.8.2.B2 Grocery Shopping Within
a Budget-Final Essay Rubric
“I Did That” papers for sharing tips
1.7.3.L1 Depository Institutions
note taking guide
1.7.3.A1 Depository Institutions
Services worksheet
1.7.3.A3 Depository Institutions
worksheet
1.7.6.A2 Scenario
Colored pencils
Projector
1.7.2.L1 Electronic Banking note
taking guide
1.7.2.F1 Electronic Banking
information sheet
1.7.6.B1 Top 10 Poster Grading
Living On Your Own (Take Charge of Your Finances): 12-Week Coursework Plan
40
Tues
41
Wed
1.7.6 Online Banking
Begin work on poster
Work on Top 10 poster
Top 10 Poster
Rubric
1.7.6.G1 Online Banking ppt
Note taking guide
1.7.6.L1 Online Banking note
taking guide
1.7.6.F1 Online Banking
information sheet
1.7.4.H1 What’s What in Banking
activity cards
1.30.0.B7 Financial Institutions
Assessment
Projector
What’s What in Banking review activity
42
Thurs
Financial Institutions test
1.4.3 What is Credit?
Financial Institutions test
When finished with test, students answer on scrap paper:
Focus Activity Question: Why do employers do a credit
background check on applicants? (slide 56)
Discuss answers.
Credit graphic organizer will be filled in as body of lesson is
discussed.
Advantages and Disadvantages of Using Credit Activity
Selecting a Credit Card
information sheet – reading
homework
43
Fri
1.4.1 Selecting a Credit Card
On table in front of room, a clear plastic bag of credit card
offers received in the mail. Focus Activity Question: Jacob
receives credit card ads each day. What should he do with
them?
Discuss FAQ
1.4.1.G1 Selecting a Credit Card power point
Fill in worksheet during presentation
44
Mon
1.4.2 Understanding Credit
Reports
Credit Cards 101 Trivia activity
Type I writing: I know this about credit reports….” (10 or
more lines)
Read information sheets in chunks, turn to your neighbor
and share…
1.4.2.G1 Understanding Credit Reports power point
Understanding Credit Reports activity
Selecting a Credit Card worksheet
Comparison Shopping for a Credit
Card Essay
Credit graphic organizer
Credit graphic organizer
transparency
Overhead
Advantage/Disadvantage signs
1.4.3.H1 Advantages and
Disadvantages of Using Credit
activity cards
1.4.1.F1 Selecting a Credit Card
information sheet
Projector
1.4.1.A1 Selecting a Credit Card
worksheet
1.4.1.A2 Comparison Shopping for
a Credit Card
1.4.1.B1 Comparison Shopping for
a Credit Card Essay Rubric
1.4.1.E1 Sample Credit Card App.1
1.4.1.E2 Sample Credit Card App.2
1.4.1.E3 Sample Credit Card App.3
1.4.2.F1 Understanding Credit
Reports information sheet
1.4.2.A1 Understanding Credit
Reports worksheet
1.4.2.A2 Credit Reports Scenario
1.4.2.H1 Understanding Credit
Reports activity cards
Living On Your Own (Take Charge of Your Finances): 12-Week Coursework Plan
Credit Report Scenario-homework
Use 1.4.2.A1 questions to play Jenga in teams
45
Tues
Identity Theft
In pairs, complete Understanding Credit Reports Homework
worksheet
1.3.3 “Catch Me If You Can” movie
Understanding credit reports
worksheet
Catch Me If You Can worksheet
46
Wed
47
Thurs
1.3.1 Identity Theft
48
Fri
Credit test
Credit Test
Continue “Catch Me If You Can” Movie
Catch Me If You Can worksheet
Finish movie
Complete worksheets
Discussion about movie and worksheet answers
Catch Me If You Can worksheet
Ask students to look in wallets, purses, backpacks and take
out anything with identifying information.
Proceed with Body of lesson plan
1.3.1.G1 Identity Theft ppt
Balloon activity to review information
Answer questions on Protecting Your Identity worksheet
Explanation of interview and essay assignment: interview
someone who has not taken this class or personal finance
class at HHS, give information paper to interviewee after the
interview, write follow-up essay
49
Mon
1.10.1 Insurance
Identity Theft Scenario activity
Video clip from iei.org
Students use Types of Insurance information paper to
complete as much as they can on the How Does Insurance
Work? note taking guide
1.10.1.G1 Types of Insurance power point
Complete note-taking guide during ppt presentation
Slides 1-13 stop – Students work on worksheets from
Insurance Education Institute
Discuss answers
Slides 14 – 22 stop – Students work on worksheets from IEI
Discuss answers
Identity Theft interview and essay
Healthcare Costs worksheet
Group Health Insurance
worksheet
Renters Insurance worksheet
Scenarios for Renters worksheet
Negative/Positive signs
Jenga blocks or Tumbling Tower
blocks
1.4.2.A3 Understanding Credit
Reports Homework worksheet
1.3.3.A1 Catch Me If You Can
worksheet
DVD
Projector
1.30.0.B8 Credit Assessment
Projector
1.3.1.A1 Protecting Your Identity
worksheet – one for each student,
one cut into questions
Balloons
1.3.1.A2 Identity Theft Interview
Questions worksheet
1.3.1.B1 Identity Theft Interview
Essay Rubric
1.3.1.F1 Identity Theft information
sheet (2 sets per student)
1.3.1.H1 Identity Theft Scenario
cards
Projector
1.10.1.F1 Types of Insurance
1.10.1.L1 How Does Insurance
Work? note taking guide
Projector
IEI -Healthcare Costs worksheet
IEI -Group Health Insurance
worksheet
IEI -Renters Insurance worksheet
II -Scenarios for Renters worksheet
Living On Your Own (Take Charge of Your Finances): 12-Week Coursework Plan
Finish power point
50
Tues
1.10.1.J1 Insurance Spoons Activity
51
Wed
52
Thurs
Speaker – Farm Bureau Insurance “Starting out With
Insurance”
Consumer Protection and Insurance Test
Tracking a Stock
53 &
54
Fri
Mon
55 &
56
Tues
Wed
57
Thurs
58 59
60
Fri
Mon
Tues
Student presentations
Student presentations
Personal Property Inventory
worksheet-homework
Questions from students for
speaker
Consumer Protection and
Insurance Test
IEI -Personal Property Inventory
worksheet
Spoons
1.10.1.H1 Insurance Spoons
Activity cards
1.10.1.K1 Insurance Spoons
Activity Answer Key
1.30.0.B9 Consumer Protection
and Insurance Assessment
Projector
Projector
Financial Literacy Portfolio – time in class to finish organizing
Review – students complete review sheets to hand in on
exam day
Review sheets
1.30.0.G1 Semester Course Review Trivia
Projector
Exams
1.30.0.B0 Semester Assessment
Coursework plan is based on 12 –Week Trimester Schedule with 72 minute class periods.