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Third Grade Money Lesson Plans

Personal finance skills, like reading, writing and arithmetic, need to be taught at a young age. Basic skills taught now means fewer problems with debt and credit later.

Take Charge America is pleased to provide lesson plans for teachers to use with students from grades one to five. These lesson plans incorporate personal finance skills with children's books to provide a fun, well-rounded learning experience.

Lesson Plan Pages

Each grade level has 10 lesson plans for a complete unit of study. Each lesson is a PDF document that you can download which includes objectives, materials lists, worksheets and content standards.

Third Grade Lesson Plans

Students share the book Four Dollars and Fifty Cents, by Eric A. Kimmel, to learn about credit, debt and interest rates. They write a story about credit and debt and complete worksheets on calculating simple interest on loans.

Students share the book If You Made a Million, by David M. Schwartz, to learn about spending, saving, interest, borrowing and lending. Students complete a worksheet about money equivalencies, practice writing checks, and role-play saving and borrowing money.

Labor, Choice, and Sales Tax
Students share the book You Can’t Buy a Dinosaur with a Dime, by Harriet Ziefert, to learn about earning money through labor, making choices and paying sales tax.

Savings Plan
Students share the book Kermit the Hermit, by Bill Peet, to learn about the role of money, saving, spending and needs and wants. Students complete a needs and wants worksheet, make a piggy bank and create a savings plan.

I Want It All!
Students share the book Pigs Will Be Pigs, by Amy Axelrod, to learn about unlimited wants, choice and adding and counting money.

Coupon Clippers
Students share the book Pigs Go to Market: Fun with Math and Shopping, by Amy Axelrod, to learn about price, choice and comparative shopping. They examine the information provided on manufacturers’ coupons and play a “shopping spree” game.

Shopping Smarter
Students share the book The Kids’ Money Book, by Jamie Kyle McGillian, to learn about how to become smart consumers and the dangers of credit-card debt. They complete activities on recognizing advertisers’ goals and understanding how interest is added on to debt.

Students share the book The Day I Was Rich (Little Bill Books for Beginning Readers), by Bill Cosby, to learn about the role of money, the concept of wealth and taxes. They complete activities on understanding and working with large sums of money.

Mental Money
Students share the book Betcha!, by Stuart J. Murphy, to learn about using mental math while shopping, estimation techniques and problem solving with money. They use rounding to complete a story and play a game of estimation with prices.

Take Charge Today

Providing no-cost curriculum materials to junior high and high school educators across the nation, Take Charge Today (formerly Family Economics & Financial Education) is designed to teach students about money management skills and the financial planning process. Lessons can be taught independently, in topic modules or as a semester long course.

Take Charge America Institute (TCAI)

Developing research-based educational outreach programs, TCAI encourages students at colleges and universities nationwide to help improve consumer financial literacy and make informed financial choices in today's complex markets.