Monday-

Topics:  Check writing, making deposits, recording into a check register, etc.

Activities:  Homework due:  Personal cash flow plans.  Students will participate in a mock check writing activity around the high school campus.  Completed check register will be due at the end of class.

Tuesday-

Topics:  Bank reconciliation

Activities:  Students will receive a pretend bank statement and will need to reconcile their bank statement with the check register from yesterday’s mock check writing activity.

Wednesday-

Topics:  The importance of having a zero-based budget

Activities:  Students will watch video 3.1 and be prepared to discuss video content.  Refer students to “How do you budget with irregular income?” article on p. 63 of book.  Discuss.  Students to then watch video 3.2 and be prepared to discuss content.  Students will fill in journal question for video 3.2 on their notes.  Go over blanks missed on note as well as several discussions.

Thursday-

Topics:  Zero-based budgets

Activities:  Students will receive “The student budget” activity sheets. We will go through scenario one and create a zero based budget for Marcus together as a class. We will then go through how to calculate income for second scenario (Jenna) since it involves overtime pay.  Students will then be responsible for finishing the budget for Jenna as well as create a zero-based budget for themselves using their completed cash flow plans.  If don’t finish in class, for homework.  Due by the first of class Friday.

Friday-

Topics:  Zero-based budgets

Activities:  Zero based budgets due.  Will go through budget for Jenna together.  Class will then be divided into groups of 4-6.  These groups will represent families of different makeups.  Each group will draw for their personal makeup.  Students will then choose a family name and names for family members.  Each group will record this information on the Student Activity sheet.  Next, each group will draw for their annual income.  Students will need to divide this income by 12 (to determine their monthly income for budget purposes) then multiply that figure by .80 to get their monthly income after taxes.  After income is determined, each group will work together to create a zero-based budget based on the needs of their assigned family.  MUST include the basics for shelter, utilities, food, transportation, and clothing.  Also need to contribute some to savings to build an emergency fund.  All left-over money can be divided according to their family’s needs.