cover
Rad nd eson
. What is an example of a good ? What is
an example of a service?
. How are short-term and long-term goals
the same ? How are they different?
. Why do people save money ?
. Explain how having a budget can help
you achieve your goals .
. Draw a picture of a person paying for a
good or service . Label the producer and
the consumer .
Pgg Bnk
Panin
Michelle Jovin, M.A.
This book may not be reproduced or distributed in any way
without prior written consent from the publisher.
Consultant
Chrissy Johnson, M.Ed.
Elementary School Teacher
Cedar Point Elementary
Publishing Credits
Rachelle Cracchiolo, M.S.Ed. , Publisher
Aubrie Nielsen, M.S.Ed., EVP of Content Development
Emily R. Smith, M.A.Ed. , VP of Content Development
Vronique Bos , Creative Director
Robin Erickson , Art Director
Michelle Jovin, M.A. , Associate Editor
Lee Aucoin , Senior Graphic Designer
Image Credits: p.7 Library of Congress [LC-DIG-nclc-04991]; all other images
from iStock and/or Shutterstock.
Library of Congress Cataloging-in-Publication Data
Names: Jovin, Michelle, author.
Title: Piggy bank planning / Michelle Jovin, M.A.
Description: Huntington Beach, CA : Teacher Created Materials, [2020] |
Includes index. | Audience: Grades 2-3 | Summary: Every day, we decide
what to do with our money. How much should we save? How much should we
spend? Learn more about how to make these tough decisions!-- Provided
by publisher.
Identiers: LCCN 2020000693 (print) | LCCN 2020000694 (ebook) | ISBN
9781087606385 (paperback) | ISBN 9781087618890 (ebook)
Subjects: LCSH: Money--Juvenile literature.
Classication: LCC HG221.5 .J69 2020 (print) | LCC HG221.5 (ebook) | DDC
332.024--dc23
LC record available at https://lccn.loc.gov/2020000693
LC ebook record available at https://lccn.loc.gov/2020000694
5482 Argosy Avenue
Huntington Beach, CA 92649
www.tcmpub.com
ISBN 978-1-0876-3156-1
2020 Teacher Created Materials, Inc.
Tbl o Cntnt
Choices
Earning Money
Saving Money
Spending Money
Making Decisions
Remember It !
Glossary
Index
Your Turn !
Coies
Every day , people make choices . They choose what to
wear . They choose what to eat . And they choose what
to do with their money .
Some people choose to save their money and not
spend it . Other people spend money by buying things .
People may not realize it at the time , but these choices
affect their lives .
Hlpng thrs
People spend money when
they buy things . They spend
money in other ways too .
Many people give money to
others who need help .
Ernng ony
Before you can decide what to do with your money ,
you have to earn it ! In the United States , states have
laws that stop children from working . Instead , their
job is to go to school .
Laws make it so children can focus on learning .
These laws try to keep children from feeling stress
about making money . Still , even without jobs ,
young people can earn money . They just have to
get creative .
Cilre wth ob
The U.S. government suggests that children should
not work until they are at least years old . Even
then , there are laws to keep children safe . This has not
always been true . Long ago , children often worked
dangerous jobs .
Some young people earn allowances . That is money
earned for doing chores or other tasks . Other young
people might help their neighbors . They can rake leaves ,
shovel snow , or wash cars for extra cash .
The first step in making money is to ask adults for
help . They can tell you what jobs you can and cannot do .
Ohe Tpe o Py
Most children earn cash for chores .
But that is not the only way they
can be paid . They might earn other
rewards . They might get to stay out
late one night or have a sleepover .
These things are not cash , but they still
have value .
Svig ony
Once you have earned money , you can decide what to
do with it . Your two main options are to save it or to spend
it . To save money , you can store it in a bank . The bank will
keep your money safe .
You can also save your money at home . You can store it
in a safe place , like a jar or a piggy bank . Then , when you
need to buy something , your money is close by .
Hw uc t Sve
When you are young , you
do not have a lot of things
that you need to pay for . So ,
you can spend or give away
more money than you save .
As you get older , try to save
more and spend less .
Svigs oas
Saving money is important . It will help you plan for
your future . It will also help you buy things that are more