Kristy Stark - Managing Your Money

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Read and Respond

. What is the difference between income and

expenses ?

. Why should people have financial goals ?

. How are hourly wages and salaries similar ?

How are they different?

. What jobs should children be allowed to

do ? What jobs should they not be allowed

to do ?

. How can you use basic mathematics to

meet financial goals ?

. Keep a financial journal for a month .

Record every time you spend or save

money . Try to find ways to lower your

expenses .

Managing Your

M ney

Kristy Stark, M.A.Ed.

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.17 Everett Historical; pg. 27 courtesy Lee Aucoin;

all other images from iStock and/or Shutterstock.

Library of Congress Cataloging-in-Publication Data

Names: Stark, Kristy, author.

Title: Managing your money / Kristy Stark, M.A.Ed.

Description: Huntington Beach, CA : Teacher Created Materials, [2020] |

Includes index. | Audience: Grades 2-3 | Summary: Money plays a big

role in everyones life. Whether you have a little or a lot of money,

people use it to buy the things they need and want. but, using money

wisely takes careful planning and tracking. Explore ways to plan for

your money, as well as earn more of it!-- Provided by publisher.

Identifiers: LCCN 2020001597 (print) | LCCN 2020001598 (ebook) | ISBN

9781087603872 (paperback) | ISBN 9781087603889 (ebook)

Subjects: LCSH: Money--Juvenile literature.

Classification: LCC HG221.5 .S75 2020 (print) | LCC HG221.5 (ebook) | DDC

332.024--dc23

LC record available at https://lccn.loc.gov/2020001597

LC ebook record available at https://lccn.loc.gov/2020001598

5482 Argosy Avenue

Huntington Beach, CA 92649

www.tcmpub.com

ISBN 978-1-0876-3157-8

2020 Teacher Created Materials, Inc.

This book may not be reproduced or distributed in any

way without prior written consent from the publisher.

The Purpose of Money

Financial Goals

Making Money

A Plan in Action

Plan , Prepare , and Save

Ask It !

Glossary

Index

Your Turn !

Table of Contents

The Purpose of Money

Around the world , money comes in many different shapes ,

sizes , and colors . Some money has pictures of important

people on it . Other types of money include symbols . These

images represent the countries that make the money .

One thing is true about all types of money . Money has

value . This means money can be used to pay for goods

and services . Goods are things that people can buy , such

as clothes or books . Services are things people pay other

people to do for them . For example , people can pay someone

to cook for them . People can use money to pay for goods

and services .

Where Does It

Come From ?

Governments print their own money .

In the United States , the Bureau of

Engraving and Printing is in charge of

printing paper money . All paper money

printed in the United States is made at

just two locations . The U . S . Mint makes

coins . There are six of these locations

around the country .

Counterfeit Money

Some people make fake money that

is meant to look like real money . This

is called counterfeiting . It is against

the law . In the United States , paper

money has special colors . It has

hidden images too . Paper money

is also printed on paper that only

the government has . These special

features make counterfeiting money

more difficult .

Financial Goals

People set goals for their money . For instance , you

might want to buy a new skateboard . Or you might set a

goal to buy a gift for your moms birthday . Adults often

have more expensive goals than you have . They may

want to buy a car or need to pay rent . People have lots of

different financial goals . But they plan to meet those goals

in similar ways .

Needs vs . Wants

There are things people need

to live , such as clothes and

food . There are also things that

people want , such as toys and

games . But wants are not things

that people need in order to

survive . People must learn to

balance things that they really

need with things that they want .

Needs

Wants

food

water

clothes

candy

skateboard

video game

$

15.00

Walkie

Talkies

How Much Do You Need ?

After you have a goal in mind , the first step is to find out

how much money you will need . One way to do this is to

research the price of the item you want . You can get an idea

of the price by searching online . Or you can find the item in

a store and check the price . Knowing how much something

costs will help you make your plan .

Average Cost of Food

One of the main needs people have is food . Food

is also expensive . In 2019 , U . S . households spent

an average of $7 , on food . That is more than

$600 per month ! People cannot live without food .

So even though it can be expensive , they have to

plan for it .

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