# Saving Money. Grade One. Overview. Prerequisite Skills. Lesson Objectives. Materials List

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1 Grade One Saving Money Overview 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. Prerequisite Skills Students should be able to recognize and name the value of pennies, nickels, dimes, and quarters. Lesson Objectives Students will be able to: Skip-count by fives, tens, and twenty-fives up to one hundred Count money by pennies, nickels, dimes, and quarters, up to one dollar Define savings as the amount of money put aside to use later Materials List 1. Book: A Chair for My Mother, by Vera B. Williams (Greenwillow Books, 1982) 2. Chart paper or chalkboard 3. Play money: pennies, nickels, dimes, and quarters 4. Coin wrappers for pennies, nickels, dimes, and quarters 5. Handouts: Skip Counting with Money worksheet Cash and Carry matching cards Content Standards The activities in this lesson correlate to national standards in economics, math, and language arts. See the end of this lesson for content standards information. Vocabulary bank choice money savings tips Grade One: Saving Money 1

3 What is the nice thing about their new chair? Allow students to share their opinions. They may mention that the grandma can sit by the window and visit with the neighbors; mama can sit in it when she s tired after work; and the little girl can share it with her mama before bedtime. 3. Discuss today s economic concepts: savings and the role of banks. Savings There is a special word we use for putting money away like the family in the story did. When you put money aside instead of spending it right away, you are saving the money. Why do you think people would want to save money instead of spend it? Encourage creative discussion. Students should speculate that people save money because they don t have enough to buy what they want right away. They put money aside until they have enough. Let s talk about where the family in the story got the money they put in their savings jar. What did the story call the money that Mama put in the jar? Do you know what that word means? It was called her tips. Explain that tips are amounts of money people give to waitresses, waiters, and others when they are happy with their work. This money is extra it isn t part of the cost of the food. Have you ever seen someone give a tip? How do we give tips? Allow students to share their experiences. In restaurants, people usually put a tip on the table right before they leave. Then the waiter or waitress puts the money in a pocket to keep. So now we know that Mama, who worked as a waitress, put all the tips she got from people at the restaurant into the jar. Did the little girl also put money in the jar? If necessary, reread the first page of the book to remind students that the little girl sometimes did chores at the restaurant where her mother worked. She put half the money she earned in the jar. Why do you think the little girl only put in half her money? Did her mother put in all her money? Allow students to speculate, and then explain that Mama only put in her tips her extra money. The rest of her money was spent on other things. Both Mama and the little girl kept some of their money they didn t save it all. Mama used most of her money to buy groceries and pay for their apartment, their clothes, and other things they needed. The little girl kept some of her money to spend on things she wanted, too. Savings are extra money. Did Grandma put some of her extra money in the jar? You might want to reread the page that describes this found on the third page of text. What are some things you might save extra money for? Allow students to share their opinions and experiences with saving money. The Role of Banks We know that the family members in the story saved their money in a big jar. Where else can you save money? Accept any answer. Students Grade One: Saving Money 3

5 After allowing students to guess, repeat the skip counting activity with dimes (count by tens) and quarters (count by twenty-fives). Students will learn that the dime wrapper holds 50 dimes (five dollars) and the quarter wrapper holds 40 quarters (ten dollars). Pass out the Skip-Counting with Money worksheet and have students complete it while you work with individual groups in the following smallgroup activity. Small-Group Activity: Equivalent Forms of Money Concepts Taught Counting and Comparing Money Materials Play money: pennies, nickels, dimes, and quarters Cash and Carry matching cards, cut apart 1. Introduce equivalent sums of money. Say: We talked about the things you could do at a bank. One of those things was going to a bank and trading one kind of money for another kind. Remember when I explained that you could take a whole bunch of pennies into the bank and trade them for other kinds of money? Do you think the bank would let you trade five pennies for five nickels? Why not? Students should explain that five pennies isn t the same amount of money as five nickels. Five nickels are worth 25 cents, and five pennies are worth five cents. The bank will only trade for money that is worth the same amount. Let s play a game that will let you practice matching equal amounts of money. 2. Proceed with Cash and Carry card activity. Lay the Cash and Carry cards facedown on the table in an array two rows of four cards. Have one student in the group turn over two cards. All students in the group should count the coins pictured on the cards to determine if they match, or show equivalent sums of money. If the cards match, the student removes them from the array. If they don t match, the cards are turned over, and the next student turns over two cards. Play continues until all of the cards have been matched. Assessment Check students understanding by listening carefully to the responses they give during group discussions and Skip Counting with Money worksheet. You might wish to ask individual students to show two different ways to show equivalent amounts of money, starting with the Cash and Carry cards, and using play money. Place five pennies and five nickels on the table and have volunteers skip count to find the value of each. Some children struggle when moving from manipulatives to pictorial representations. Let them count play money equal to the pictured coins. Grade One: Saving Money 5

6 Suggested Online Activity NOTE: Teachers should preview all sites to ensure they are age-appropriate for their students. At the time of publication, all URLs listed here were valid. In addition, some Web sites provide lessons via pop-up screens, so you may have to disable your computer s pop-up blocker software to access them. The Money Desk at Room 108 Owned and operated by a primary teacher, Room 108 is an educational activity center for kids. The Money Desk game, located in the math section, allows students to virtually count coins on a teacher s desk to equal a given amount, by dragging the coins with the mouse cursor. For this age group, select the easy level of play, and then choose one of the cartoon guides. Found at: National Standards Correlations Economics The activities in this lesson correlate to the following Voluntary National Content Standards in Economics, as determined by the National Council on Economics Education, found at: Standard 10: The Role of Economic Institutions Institutions evolve in market economies to help individuals and groups accomplish their goals. Banks, labor unions, corporations, legal systems, and not-forprofit organizations are examples of important institutions. A different kind of institution, [and] clearly defined and enforced property rights, [are] essential to a market economy. K 4 Benchmarks: Banks are institutions where people save money and earn interest, and where other people borrow money and pay interest. Saving is the part of income not spent on taxes or consumption. Standard 11: The Role of Money Money makes it easier to trade, borrow, save, invest, and compare the value of goods and services. K 4 Benchmarks: Money is anything widely accepted as final payment for goods and services. Mathematics In addition to economics, the activities in this lesson also correlate to the following Principles and Standards for School Mathematics, from the National Council of Teachers of Mathematics, found at: standards.nctm.org/document/index.htm. Numbers and Operations Standards Understand numbers, ways of representing numbers, relationships among numbers, and number systems PreK 2 Benchmarks: 6 Personal Finance for Kids

7 Count with understanding and recognize how many in sets of objects Connect number words and numerals to the quantities they represent, using various physical models and representations Algebra Standards Represent and analyze mathematical situations and structures using algebraic symbols Use concrete, pictorial, and verbal representations to develop an understanding of invented and conventional symbolic notations. Use mathematical models to represent and understand quantitative relationships. Language Arts This lesson, based on the children s book A Chair for My Mother, by Vera B. Williams, also correlates to the following Standards for the English Language Arts, from the National Council of Teachers of English, found at: 1. Students read a wide range of print and non-print texts to build an understanding of texts, of themselves, and of the cultures of the United States and the world; to acquire new information; to respond to the needs and demands of society and the workplace; and for personal fulfillment. Among these texts are fiction and nonfiction, classic and contemporary works. 3. Students apply a wide range of strategies to comprehend, interpret, evaluate, and appreciate texts. They draw on their prior experience, their interactions with other readers and writers, their knowledge of word meaning and of other texts, their word identification strategies, and their understanding of textual features (e.g., sound-letter correspondence, sentence structure, context, graphics). Grade One: Saving Money 7

8 Name Skip Counting with Money 1. Nickels Dimes 80 \$ \$ Quarters 8 Personal Finance for Kids \$1.00

9 Cash and Carry Matching Cards Grade One: Saving Money 9

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