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.
First Grade Lesson Plans
Barter vs. Money
Students share the book Sheep in a Shop, by Nancy Shaw, to learn about choice, making decisions, trade and the barter system. They complete worksheets on comparing barter to the use of money in economic trade and using money in problem-solving situations.
Wants and Needs
Students share the book Something Good, by Robert Munsch, to learn about unlimited wants, limited resources, choice and counting money. They complete worksheets on determining relative value and identifying wants and needs.
Students share the book A Chair for My Mother, by Vera B. Williams, to learn about counting and saving money. They complete worksheets on coin counting and saving.
Students share the book A Dollar for Penny, by Dr. Julie Glass, to learn about producers, consumers and price. They complete worksheets on producers and consumers and figuring the total price of a group of items.
Students share the book Bear About Town, by Stella Blackstone, to learn about productive resources and jobs in the community. They complete worksheets on spending paychecks and draw pictures of a job they would like to have.
Students share the book Charlie Needs a Cloak, by Tomie dePaola, to learn about productive resources, labor and income.
It’s On Sale!
Students share the book The Great Pet Sale, by Mick Inkpen, to learn about bargains and sales, comparison shopping and how commercials and advertisements attract customers.
How Many/How Much
Students share the book Monster Money, by Grace Maccarone, to learn to recognize coins, know their value and develop an understanding of the concept of money as a medium of exchange.
Savings Accounts and Interest
Students share the book Berenstain Bears’ Trouble with Money, by Stan and Jan Berenstain, to learn about saving money, banks and interest.
Students share the book Just Shopping with Mom, by Mercer Mayer, to learn about shopping and counting money. They complete activities on examining coupons and shopping for bicycle parts.
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.