Math 21 Earning and Spending Money. Book 1: Budgeting. Teacher Version Assessments and Answers Included

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1 Math 21 Earning and Spending Money Book 1: Budgeting Teacher Version Assessments and Answers Included

2 Year Overview: Earning and Spending Money 1. Budget 2. Personal Banking 3. Interest 4. Consumer Credit 5. Major Purchases Home 6. Scale Drawings & Ratios 7. Area & Volume 8. Angles 9. Triangles 10. Slope & Elevation Travel and Transportation Recreation and Wellness 11. Travel Project 12. Puzzles & Games 13. Understanding Statistics 14. Budgeting Recreation Topic Overview You may have already entered the workforce and have some knowledge about earning and spending money. The intent of this theme is to help you be aware of financial decision making that you face. In this section, you will create a budget and have a deeper understanding of different expenses you will face. Outcomes Overlapping Outcomes in Budgeting M21.1 Extend and apply understanding of the preservation of equality by solving problems that involve the manipulation and application of formulae within home, money, recreation, and travel themes. Theme Specific Outcomes M21.8 Demonstrate understanding of budgets. 2

3 Contents Topic Overview... 2 Outcomes... 2 Overlapping Outcomes in Budgeting... 2 Theme Specific Outcomes... 2 Contents... 3 Glossary of Terms... 4 Budgeting... 4 Check What You Know... 4 Vocabulary Check-up... 4 Check Your Skills... 6 Personal Expenses Fixed and Variable Expenses Recurring and Unexpected Expenses Monthly and Annual Expenses A. Changing Annual Expenses to Monthly Expenses B. Changing Monthly Expenses to Annual Expenses Practice Your Skills - Monthly and Annual Expenses Student Evaluations Learning Log Show What You Know Monthly and Annual Expenses Answers: Skills Check-up: Fixed and Variable Expenses Recurring and Unexpected Expenses Monthly and Annual Expenses Show What You Know Monthly and Annual Expenses BUDGET WORKSHEET BUDGET WORKSHEET BUDGET WORKSHEET

4 Glossary of Terms Budgeting You may have heard people talk about using a budget before. A budget is a picture of how much money have coming in and going out each month, or each year, and what the money is being used for. It is a tool to help you keep track of what you spend and To get control of your money. earn. Why would you keep track of a budget? To make decisions about purchases and changes you need to make. Budget A budget can help you meet To build good spending habits. short-term financial goals, such as buying clothing or throwing a birthday party. A budget can also help you meet long-term financial goals, such as owning a house, buying a car or saving for retirement. Check What You Know Vocabulary Check-up Do you know the meaning of the following words? Circle all of the words that you already know. goals debt expense income insurance surplus recreation deficit annual monthly Pick any 2 of the words that you know already and write down what they mean, in your own words

5 Write down all of the words that you don t know yet. Find out what they mean; you might ask someone or look them up in a dictionary or on the internet. Then, write down what they mean below, in your own words. 5

6 Check Your Skills Ask Your Teacher how many of the following questions you should complete. Solve the following: = = = = = = = = = 10. $ $27.56 = 11. $ $35.95 Math skills are embedded into real life situations. In this unit, you will use the following skills: Addition and subtraction o whole number o decimal Division o Whole number with remainders Solve the following: = = = = = = = 10. $ $32.56 = = 11. $ $ = = Solve the following: = 3. $ = = 6

7 Personal Expenses Keep track all the money you spend for the next week. Write down the amount and what you spent the money on. Track every amount! You will need this later in the Budgeting Unit to create and evaluate your own budget. Day of the Week Item and Cost TOTAL SPENDING FOR THE WEEK: 7

8 1.1 Fixed and Variable Expenses Fixed Expenses Costs that remain the same from month to month. Variable Expenses Costs that change from month to month. Sort the following into Fixed Expenses and Variable Expenses in the boxes provided. Car payment Groceries Video games Insurance Clothing Gas Recreation Gifts Cell phone Movies Gym membership Vacation Rent Eating out Car repairs Lost phone Speeding ticket Fixed Expenses Variable Expenses 8

9 1.2 Recurring and Unexpected Expenses Recurring Expense A Cost that happen over and over. Unexpected Expense A Cost that you have not planned for. Sort the following into Recurring Expenses and Unexpected Expenses in the boxes provided. Car payment Groceries Video games Insurance Clothing Recreation Gifts Cell phone Movies Gym membership Rent Eating out Car repairs Lost phone Speeding ticket Gas Recurring Expenses Vacation Unexpected Expenses 9

10 1.3 Monthly and Annual Expenses Monthly Expenses Paid each month (12 times a year). Annual Expenses Paid annually (once a year). A. Changing Annual Expenses to Monthly Expenses. You can choose to pay car insurance annually or monthly. If your annual expenses for car insurance is $ , what is your monthly expense? Solution: monthly expense = your annual expense 12 months per year $ (annually) 12 (months) = $ (monthly) B. Changing Monthly Expenses to Annual Expenses. You have a gym membership that costs $50.00 each month. What is your annual expense? Solution: annual expense = your monthly expense x 12 months per year $50.00 (monthly) X 12 (months) = $ (annually) 10

11 1.3 Practice Your Skills - Monthly and Annual Expenses In the chart provided, convert the payments between monthly and annual expenses. Monthly Expenses Annual Expenses 1. $ $ $ $ $ $ $ $ $ $

12 Student Evaluations Student has not demonstrated the criteria below. Student has rarely demonstrated the criteria below. Student has inconsistently demonstrated the criteria below. Student has consistently demonstrated the criteria below. Student has consistently demonstrated the criteria below. In addition they have shown their understanding in novel situations or at a higher level of thinking than what is expected by the criteria. Proficient Level Criteria IE D G P E M21.8 Demonstrate understanding of budgets. [WA20.6] a. I can Identify fixed and variable expenses that could be included in a personal budget. b. I can explain considerations that must be made when developing a budget (e.g., prioritizing, recurring and unexpected expenses). c. I can research the costs of expenses (e.g., bus pass, rent, phone, electricity, power, groceries) to create and justify a personal budget. d. I can analyze and modify a budget to achieve a set of personal goals. e. I can investigate and analyze, with or without technology, what if questions related to personal budgets f. I can explain the advantages and challenges of creating personal budgets. g. I can record and monitor purchases to determine personal expenditures. h. I can plan, design, and prepare a budget to solve home, recreation, or travel problems using appropriate technologies (e.g., design or decorating websites, design or drawing software, spreadsheet). i. I can create a monthly transportation budget that involves the fixed costs (e.g., licence fee, insurance) and variable costs (e.g., maintenance, fuel) of owning and operating a vehicle. 12

13 Learning Log Date Starting Point Ending Point 13

14 Show What You Know Monthly and Annual Expenses Betty is taking courses in Saskatoon. She lives with her parents. Her parents pay her tuition. Her net monthly incomes as a waitress is $ These charts show Betty s monthly and annual expenses: Monthly Expenses: Rent $ Car loan $ Cell phone $54.34 Gas $65.00 Clothing $65.00 Computer supplies $20.00 Gifts $65.00 Entertainment $ Restaurant meals $70.00 Fitness membership $25.00 Personal care $50.00 Savings $50.00 Annual Expenses: Books and supplies $ Car insurance $ Using the following Budget Worksheet, fill in the amounts and calculate the totals for each section (A, B, C, D & E) and the Balance. Note that not all categories will be used! 14

15 BUDGET WORKSHEET Fixed Expenses monthly Debt payments monthly Mortgage $ Regular payment on credit card(s) $ Rent / condo fees $ Payment on line(s) of credit $ Property taxes (monthly) $ Other debt payments $ Electrical Bill $ Car loan(s) / lease(s) $ Water $ Total debt payments (B) $ Heat (gas, oil) $ Home telephone $ Savings monthly Cable / satellite TV $ RRSP contributions $ Home - lawn care, house cleaning etc. $ RESP contributions $ Internet $ Emergency fund $ Alimony / support payments $ Savings for goals $ School tuition $ Other savings $ Child care $ Total savings (C) $ Variable Expenses monthly Groceries $ Total fixed & variable expenses (A) $ Restaurant meals $ + Total debt payments (+B) $ Corner store $ + Total savings (+C) $ Lunches / breaks $ = Subtotal outgoing funds (D) $ Alcohol from store or at restaurant/bar $ Tobacco $ Income monthly Pet food and care $ Monthly income (after taxes and deductions) $ Medical & dental appointments $ Bonuses $ Glasses / medical devices $ Tax credits (child benefit, GST, etc.) $ Prescriptions $ Gifts $ Home insurance $ Total monthly income (E) $ Personal insurance $ Automobile insurance $ Minus total outgoing funds (D) $ Gas $ Parking $ Balance (E-D) $ Car maintenance & repairs $ Auto licenses $ Transit $ Cell phone $ Bank charges $ Credit card annual fees $ Clothes (including work, kids, other) $ Dry cleaning $ Home maintenance & repair $ Tools or other work expenses $ Club or association memberships $ Recreation / family entertainment $ Fitness memberships $ Movie/game rental $ Newspapers / magazines / books $ Babysitting $ Haircuts & grooming $ Gifts / donations $ Lotteries / bingo / casinos $ Vacation $ Kids misc. toys, books, allowances, etc. $ School supplies $ Other expenses $ Total fixed & variable expenses (A) $ 15

16 a. Does Betty have a surplus or a deficit? b. Do you think that Betty is in a comfortable financial situation in the shortterm? c. Betty gets a flat tire. The cost of the repair is $ Recalculate Betty s monthly budget. d. Does Betty have a surplus or deficit? e. What can Betty do to balance her budget this month? f. What are some ways Betty could prepare a budget to be prepared for unexpected expenses? Answers: 16

17 1. Skills Check-up: $ $ $ $ Fixed and Variable Expenses Fixed Expenses Car payment Insurance Cell phone Gym membership Rent Variable Expenses Groceries Video games Clothing Gas Recreation Gifts Movies Vacation Eating out Car repairs Lost phone Speeding ticket 17

18 1.2 Recurring and Unexpected Expenses Recurring Expenses Unexpected Expenses Car payment Groceries Insurance Gas?gifts? Cell phone Gym membership Rent Video games Clothing Recreation?gifts? Movies Vacation Eating out Car repairs Lost phone Speeding ticket 1.3 Monthly and Annual Expenses Monthly Expenses 1. $ $ $ $ $ $ $ $ $ $46.25 Annual Expenses 1. $ $ $ $ $ $ $ $ $ $

19 Show What You Know Monthly and Annual Expenses Betty is taking courses in Saskatoon. She lives with her parents. Her parents pay her tuition. Her net monthly incomes as a waitress is $ These charts show Betty s monthly and annual expenses: Monthly Expenses: Rent $ Car loan $ Cell phone $54.34 Gas $65.00 Clothing $65.00 Computer supplies $20.00 Gifts $65.00 Entertainment $ Restaurant meals $70.00 Fitness membership $25.00 Personal care $50.00 Savings $50.00 Annual Expenses: Books and supplies $ Car insurance $ Using the following Budget Worksheet, fill in the amounts and calculate the totals for each section (A, B, C, D & E) and the Balance. Note that not all categories will be used! 19

20 BUDGET WORKSHEET Fixed Expenses monthly Debt payments monthly Mortgage $ Regular payment on credit card(s) $ Rent / condo fees $ Payment on line(s) of credit $ Property taxes (monthly) $ Other debt payments $ Electrical Bill $ Car loan(s) / lease(s) $ Water $ Total debt payments (B) $ Heat (gas, oil) $ Home telephone $ Savings monthly Cable / satellite TV $ RRSP contributions $ Home - lawn care, house cleaning etc. $ RESP contributions $ Internet $ Emergency fund $ Alimony / support payments $ Savings for goals $50.00 School tuition $ Other savings $ Child care $ Total savings (C) $50.00 Variable Expenses monthly Groceries $ Total fixed & variable expenses (A) $ Restaurant meals $ Total debt payments (+B) $ Corner store $ + Total savings (+C) $50.00 Lunches / breaks $ = Subtotal outgoing funds (D) $ Alcohol from store or at restaurant/bar $ Tobacco $ Income monthly Pet food and care $ Monthly income (after taxes and deductions) $ Medical & dental appointments $ Bonuses $ Glasses / medical devices $ Tax credits (child benefit, GST, etc.) $ Prescriptions $ Gifts $ Home insurance $ Total monthly income (E) $ Personal insurance $ Automobile insurance $64.58 Minus total outgoing funds (D) $ Gas $65.00 Parking $ Balance (E-D) $ Car maintenance & repairs $ Auto licenses $ Transit $ Cell phone $54.34 Bank charges $ Credit card annual fees $ Clothes (including work, kids, other) $65.00 Dry cleaning $ Home maintenance & repair $ Tools or other work expenses $ Club or association memberships $ Recreation / family entertainment $ Fitness memberships $25.00 Movie/game rental $ Newspapers / magazines / books $ Babysitting $ Haircuts & grooming $50.00 Gifts / donations $65.00 Lotteries / bingo / casinos $ Vacation $ Kids misc. toys, books, allowances, etc. $ School supplies $ Other expenses $ Total fixed & variable expenses (A) $

21 a. Does Betty have a surplus or a deficit? Surplus b. Do you think that Betty is in a comfortable financial situation in the short-term? No her budget is pretty tight. c. Betty gets a flat tire. The cost of the repair is $ Recalculate Betty s monthly budget. $ d. Does Betty have a surplus or deficit? She has a deficit. e. What can Betty do to balance her budget this month? She can spend less on some of her variable expenses, for example eating at restaurants, recreation/family entertainment/haircuts and grooming/gifts and donations f. What are some ways Betty could prepare a budget to be prepared for unexpected expenses? Answers will vary. She could set aside some money in her savings for unexpected expenses. 21

22 Carl earns $ each month. Below are Carl s expenses: Rent $900 Groceries $350 Electricity $40 Restaurant Meals $175 Internet $40 Lunches/Breaks $20 Cable $30 Tobacco $75 Prescription $42 Bus Pass $72 Cell Phone $55 Bank Charges $12 Haircuts & Grooming $25 Student Loan $250 Entertainment $100 Using the following Budget Worksheet, fill in the amounts and calculate the totals for each section (A, B, C, D & E) and the Balance. Note that not all categories will be used! a. Does Carl have a deficit or surplus? b. What would you do to balance Carl s budget? c. Carl gets a new job and now earns $ Recalculate Carl s monthly budget. d. Carl is interested in purchasing a car. What do you suggest that Carl do with his monthly budget to achieve this goal? 22

23 BUDGET WORKSHEET Fixed Expenses monthly Debt payments monthly Mortgage $ Regular payment on credit card(s) $ Rent / condo fees $ Payment on line(s) of credit $ Property taxes (monthly) $ Other debt payments $ Electrical Bill $ Car loan(s) / lease(s) $ Water $ Total debt payments (B) $ Heat (gas, oil) $ Home telephone $ Savings monthly Cable / satellite TV $ RRSP contributions $ Home - lawn care, house cleaning etc. $ RESP contributions $ Internet $ Emergency fund $ Alimony / support payments $ Savings for goals $ School tuition $ Other savings $ Child care $ Total savings (C) $ Variable Expenses monthly Groceries $ Total fixed & variable expenses (A) $ Restaurant meals $ + Total debt payments (+B) $ Corner store $ + Total savings (+C) $ Lunches / breaks $ = Subtotal outgoing funds (D) $ Alcohol from store or at restaurant/bar $ Tobacco $ Income monthly Pet food and care $ Monthly income (after taxes and deductions) $ Medical & dental appointments $ Bonuses $ Glasses / medical devices $ Tax credits (child benefit, GST, etc.) $ Prescriptions $ Gifts $ Home insurance $ Total monthly income (E) $ Personal insurance $ Automobile insurance $ Minus total outgoing funds (D) $ Gas $ Parking $ Balance (E-D) $ Car maintenance & repairs $ Auto licenses $ Transit $ Cell phone $ Bank charges $ Credit card annual fees $ Clothes (including work, kids, other) $ Dry cleaning $ Home maintenance & repair $ Tools or other work expenses $ Club or association memberships $ Recreation / family entertainment $ Fitness memberships $ Movie/game rental $ Newspapers / magazines / books $ Babysitting $ Haircuts & grooming $ Gifts / donations $ Lotteries / bingo / casinos $ Vacation $ Kids misc. toys, books, allowances, etc. $ School supplies $ Other expenses $ Total fixed & variable expenses (A) $ 23

24 Carl earns $ each month. Below are Carl s expenses: Rent $900 Groceries $350 Electricity $40 Restaurant Meals $175 Internet $40 Lunches/Breaks $20 Cable $30 Tobacco $75 Prescription $42 Bus Pass $72 Cell Phone $55 Bank Charges $12 Haircuts & Grooming $25 Student Loan $250 Entertainment $100 Using the following Budget Worksheet, fill in the amounts and calculate the totals for each section (A, B, C, D & E) and the Balance. Note that not all categories will be used! a. Does Carl have a deficit or surplus? Deficit b. What would you do to balance Carl s budget? Answers will vary c. Carl gets a new job and now earns $ Recalculate Carl s monthly budget. Carl now has a surplus of $ based on his budget. d. Carl is interested in purchasing a car. What do you suggest that Carl do with his monthly budget to achieve this goal? Answers will vary. 24

25 BUDGET WORKSHEET Fixed Expenses monthly Debt payments monthly Mortgage $ Regular payment on credit card(s) $ Rent / condo fees $ Payment on line(s) of credit $ Property taxes (monthly) $ Other debt payments $ Electrical Bill $40.00 Car loan(s) / lease(s) $ Water $ Total debt payments (B) $ Heat (gas, oil) $ Home telephone $ Savings monthly Cable / satellite TV $30.00 RRSP contributions $ Home - lawn care, house cleaning etc. $ RESP contributions $ Internet $40.00 Emergency fund $ Alimony / support payments $ Savings for goals $ School tuition $ Other savings $ Child care $ Total savings (C) $0 Variable Expenses monthly Groceries $ Total fixed & variable expenses (A) $ Restaurant meals $ Total debt payments (+B) $ Corner store $ + Total savings (+C) $0 Lunches / breaks $20.00 = Subtotal outgoing funds (D) $ Alcohol from store or at restaurant/bar $ Tobacco $75.00 Income monthly Pet food and care $ Monthly income (after taxes and deductions) $ Medical & dental appointments $ Bonuses $ Glasses / medical devices $ Tax credits (child benefit, GST, etc.) $ Prescriptions $42.00 Gifts $ Home insurance $ Total monthly income (E) $ Personal insurance $ Automobile insurance $ Minus total outgoing funds (D) $ Gas $ Parking $ Balance (E-D) $ Car maintenance & repairs $ Auto licenses $ Transit $72.00 Cell phone $55.00 Bank charges $12.00 Credit card annual fees $ Clothes (including work, kids, other) $ Dry cleaning $ Home maintenance & repair $ Tools or other work expenses $ Club or association memberships $ Recreation / family entertainment $ Fitness memberships $ Movie/game rental $ Newspapers / magazines / books $ Babysitting $ Haircuts & grooming $25.00 Gifts / donations $ Lotteries / bingo / casinos $ Vacation $ Kids misc. toys, books, allowances, etc. $ School supplies $ Other expenses $ Total fixed & variable expenses (A) $

26 26

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