Unit 1 Goals and Budgets
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1 Unit 1 Goals and Budgets Literacy Level Materials The New Restaurant-Literacy Level Lesson 1: Goals and Budgets Picture Story Overhead 1-A Literacy Level Unit II: Planning for the Future
2 Monthly Budget Worksheet Lesson 1: Goals and Budgets Answer Key Overhead 1-B pages 1-3 EXPENSES PER MONTH Dictate the amount below to students. As a class, write the vocabulary words. Note: *Yearly items divided by 12 months Example: vacations = 600 or =50 per month 800 rent 50 electric bill
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5 The New Restaurant-Literacy Level Lesson 1: Goals and Budgets Picture Story & Activities Worksheet 1-2 page 1 Talk about the pictures. Listen to the story. Learn new vocabulary. Literacy Level Unit II: Planning for the Future
6 The New Restaurant-Literacy Level Lesson 1: Goals and Budgets Worksheet 1-2 page 2 The New Restaurant Chen and Soo are friends. They work at a restaurant. They are busboys. They dream about opening a restaurant. It is their goal. Chen plans his budget. He saves 300 a month. He watches television. He goes to the park and plays games at home with his family. They have fun. After three years, he has 10,800. He opens a restaurant. Soo plans his budget. He spends all his money. He buys a big screen television. He travels to Disneyland and goes to the movie theater with his family. They have fun. He does not save money. After three years, Soo is a busboy. He works at Chen's new restaurant. Literacy Level Unit II: Planning for the Future
7 The New Restaurant-Literacy Level Lesson 1: Goals and Budgets Worksheet 1-2 page 3 The New Restaurant - Match the picture with the sentence. Literacy Level Unit II: Planning for the Future
8 The New Restaurant-Literacy Level Lesson 1: Goals and Budgets Worksheet 1-2 page 4 A New Restaurant Fill in the blanks with the correct word. Rewrite the story at the bottom. opens saves budget fun plans are busboy Chen and Soo are friends. They work at a restaurant. They busboys. They dream about opening a restaurant. It is their goal. Chen plans his. He 300 a month. He watches television. He goes to the park and plays games at home with his family. They have fun. After three years, he has 10,800. He a restaurant. Soo his budget. He spends all his money. He buys a big screen television. He travels to Disneyland and goes to the movie theater with his family. They have. He does not save money. After three years, Soo is a. He works at Chen's new restaurant. Rewrite the Story Literacy Level Unit II: Planning for the Future
9 Concentration Game Lesson 1: Goals and Budgets and Budget Visuals-Literacy Level Visuals 1-3 Part 1: Goals and Budgets-Activity 1-3 Concentration Game-Word Group 1 rent electric bill water bill food car payment and car insurance car repairs gas transportation bus, train, taxi telephone and cell phone bills
10 Goals and Budgets - Activity 1-3 Concentration Game - Word Group 2 doctors and dentists restaurant food cable TV clothes and shoes toiletries and medicines haircut send money home travel and vacations
11 gifts, computers, TVs and other things Part 2: Goals and Budgets-Activity 1-3-Visuals for Budget Activity
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21 Monthly Budget Worksheet Lesson 1: Goals and Budgets Literacy Level Worksheet 1-3 page 1 Matching - Match each picture with a word or words car repairs food telephone and cell phone bills rent electric bill gas doctor and dentist bills water bill car payment and car insurance
22 transportation - bus, train, taxi Literacy Level Unit II: Planning for the Future
23 Monthly Budget Worksheet Lesson 1: Goals and Budgets Literacy Level Worksheet 1-3 page 2 Matching - Match each picture with a word or words clothes and shoes cable TV toiletries and medicine restaurant food send money home
24 haircut travel and vacations gifts, computers, TVs, other things Literacy Level Unit II: Planning for the Future
25 Monthly Budget Worksheet Lesson 1: Goals and Budgets Literacy Level Worksheet 1-3 page 3 Monthly budget for Soo and his wife Jin and their two children INCOME Soo = 1,600 Jin = 400 EXPENSES 2,000 = Total income per month Write the number your teacher says. Then, write the vocabulary word using the words from the matching activity above. 800 rent 50 electric bill Literacy Level Unit II: Planning for the Future
26 Monthly Budget Worksheet Lesson 1: Goals and Budgets Literacy Level Worksheet 1-3 page 4
27 Literacy Level Unit II: Planning for the Future
28 Monthly Budget Worksheet Lesson 1: Goals and Budgets Literacy Level Worksheet 1-3 page 5 What is Soo and Jin s Monthly Income 2000 What are Soo and Jin s Monthly Expenses How much do they save each month? 0 Soo wants to own a restaurant. Soo and Jin need to save 100 a month. With your group, help them think of ways to save money every month Literacy Level Unit II: Planning for the Future
29 Personal Budget Worksheet Lesson 1: Goals and Budgets Worksheet 1-4 Complete the budget worksheet for you and your family My goal is to save a month. I want to in months/years. Monthly Income from job after taxes (you) from job after taxes (your wife/husband) Retirement or social security benefits Monthly Expenses Housing Expenses Apartment rent or home mortgage Property tax/home Insurance Government assistance Home maintenance/repairs Alimony/child support Gas and electricity Other income: Water Total Monthly Income Other Expenses Food Car loan Car insurance Car maintenance/repairs Gasoline Public transportation (bus/metro/taxi) Credit card payments Loan payments Telephone Cell phone Doctors/dentists Insurance (other than car) Entertainment 1. cable television ( ) 2. restaurants & clubs ( ) 3. video rentals ( ) 4. other ( ) Clothing Alimony/child support
30 Other expenses 1. cigarettes ( ) 2. gym membership ( ) Total Monthly Expenses What is your Monthly Income What are your Monthly Expenses - What is your Monthly Income after Expenses (Savings) What are ways you can save more money Beginner/Low-Intermediate Unit II: Planning for the Future
31 Goals and Budgets Materials The New Restaurant Picture Story and Activities Beginner & Low-Intermediate Lesson 1: Goals and Budgets Worksheet 1-2 page 1 Talk about the pictures. Listen to the story. Learn new vocabulary. Beginner/Low-Intermediate Unit II: Planning for the Future
32 The New Restaurant Lesson 1: Goals and Budgets Picture Story and Activities Worksheet 1-2 page 2 The New Restaurant. Chen and Soo are friends. They work at a restaurant. They are busboys. They dream about opening a restaurant. It is their goal. Chen plans his budget. He decides to save 300 a month. He goes to the park. He plays games at home with his family. They have fun. After three years, he has 10,800. He opens a restaurant. Soo plans his budget. He spends all his money. He travels and goes to the movie theater with his family. They have fun. He does not save money. After three years, he is still a busboy. He now works at Chen's new restaurant. Beginner/Low-Intermediate Unit II: Planning for the Future
33 The New Restaurant Picture Story and Activities Lesson 1: Goals and Budgets Worksheet 1-2 page 3 Number the pictures then tell the story Beginner/Low-Intermediate Unit II: Planning for the Future
34 The New Restaurant Lesson 1: Goals and Budgets Picture Story and Activities Worksheet 1-2 page 4 The New Restaurant - Match the picture with the sentence. Beginner/Low-Intermediate Unit II: Planning for the Future
35 The New Restaurant Lesson 1: Goals and Budgets Picture Story and Activities Worksheet 1-2 page 5 A New Restaurant Fill in the blanks with the correct word. Rewrite the story at the bottom. opens save budget fun plans are busboy Chen and Soo are friends. They work at a restaurant. They busboys. They dream about opening a restaurant. It is their goal. Chen plans his. He decides to 300 a month. He goes to the park. He plays at home with his family. They have fun. After three years, he has 10,800. He a restaurant. Soo his budget. He spends all his money. He travels and goes to the movie theatre with his family. They have. He does not save money. After three years, he is still a. Now, at Chen s new restaurant. Rewrite the Story Beginner/Low-Intermediate Unit II: Planning
36 Goals and Budgets Materials The New Restaurant Picture Story High-Intermediate/ Advanced Lesson 1: Goals and Budgets Overhead 1-A/Worksheet High-Intermediate/Advanced Unit II: Planning for the Future
37 The New Restaurant Picture Story Lesson 1: Goals and Budgets Overhead 1-A/Worksheet High-Intermediate/Advanced Unit II: Planning for the Future
38 Mohammed s Story and Lesson 1: Goals and Budgets Comprehension Questions Worksheet 1-3 page 1 Before you read 1. How old were you when you came to the United States? 2. What are you doing now? 3. What do you want to be doing in 5 years? Mohammed s Story Mohammed was born in Iran. He is 23 years old. He immigrated to the United States five years ago after he finished high school. He studies English and computer skills at an adult education center in San Diego. He manages his uncle s restaurant and details cars for extra money. He loves cars and wants to buy a sports car in the future. Right now, he drives a 1998 Nissan Sentra, and he makes repairs on it often. He shares a two-bedroom apartment with two cousins. His cousins have loud parties almost every weekend, and many friends visit every day. Mohammed would like to have his own apartment soon because he plans to start college next fall. He wants to be an engineer in the future. He knows he will need a computer for his college studies, but he doesn t have enough money right now. When he finishes his degree, he plans to ask his girlfriend to marry him. He would like to have a family. Mohammed went to a career counselor at the center where he studies to get some advice. He felt he needed some help in planning his future and making his dreams come true. The career counselor suggested that he make a list, or map, of his goals as a first step. Answer the questions about Mohammed 1. Is Mohammed married? yes no 2. Is Mohammed a student? yes no 3. Does Mohammed have a computer? yes no 4. Does Mohammed have a job? yes no 5. Does Mohammed want to move? yes no High-Intermediate/Advanced Unit II: Planning for the Future
39 Monthly Income and Expenses Lesson 1: Goals and Budgets And Vocabulary Check Worksheet 1-4 page 1 Monthly Income and Expenses Mohammed used this form to figure his income and expenses for each month. (Note: sometimes people pay a bill once a year. You can divide the yearly bill by 12 to find out how much it is monthly.) Monthly Income Net pay (take-home pay)* #1 Net pay (take-home pay)* #2 Retirement or SSI benefits Government assistance Alimony/child support Other income: car detailing Total Monthly Income 1600 Expenses Housing Expenses Rent/Mortgage 475 Property tax/home Insurance Home maintenance/repairs Gas and electricity Water 1700 Other Expenses Food 220 Car loan 110 Car insurance 85 Car maintenance/repairs 15 Gasoline 65 Public transportation --- Credit card payments 50 Loan payments --- Telephone 30 Cell phone 50 Doctors/dentists 10 Insurance (other than car) --- Entertainment 1. cable television (30) 2. restaurants & clubs (115) 3. video rentals (28) 4. other (40) 213
40 Clothing 30 Alimony/child support --- Savings account --- Other expenses 1. cigarettes (80) 2. gym membership (18) Total Monthly Expenses High-Intermediate/Advanced Unit II: Planning for the Future
41 Monthly Income and Expenses Lesson 1: Goals and Budgets And Vocabulary Check Worksheet 1-4 page 2 After you figure out your Total Monthly Income and Total Monthly Expenses, you can figure out how much extra money you have each month--your Income after Expenses. This is the money you can use to save for something or invest. Use the numbers from the worksheet to find Mohammed s Income after Expenses each month. Mohammed s Total Monthly Income Mohammed s Total Monthly Expenses - Mohammed s Monthly Income after Expenses Vocabulary Check Match the words and definitions (note: there is one extra definition). 1. goal a. the money you receive after taxes and deductions 2. income b. to be successful and complete a goal 3. expenses c. your gross pay 4. net pay d. money that comes in to your home, usually from a job 5. income after expenses e. suggestions or ideas to help you solve a problem 6. budget f. the things you must pay for 7. figuring out g. plan for managing your income and expenses 8. advice h. the money you have after paying your expenses 9. achieve i. aspiration, ambition or aim j. finding and analyzing High-Intermediate/Advanced Unit II: Planning for the Future
42 Listening Comprehension Lesson 1: Goals and Budgets Worksheet 1-5 Listening Comprehension: Look at Mohammed s Monthly Income and Expenses form and write the answers to the questions you hear from your teacher Write three more questions about Mohammed s income and expenses and then ask a classmate High-Intermediate/Advanced Unit II: Planning for the Future
43 A New Plan Lesson 1: Goals and Budgets Worksheet 1-6 page 1 After Mohammed figured out his Monthly Income after Expenses, he realized that he didn t have enough money each month to achieve his goals. He talked with his counselor and then decided to change his life a little in order to save more money each month. He decided to develop a new budget plan. Two of the things he changed are listed below. Work with your group to add three more ways he can cut his expenses. Then, figure his new budget, using the form provided. Mohammed will change these things: 1. He found a cheaper cellular phone plan that is 30 a month. 2. He decided to detail one more car each month and add 100 more to his income Write the changes on the following Monthly Income and Expenses form. Then, copy the expenses from the original form that you didn t change. Figure out how much Mohammed s Monthly Income after Expenses will be with the new plan. High-Intermediate/Advanced Unit II: Planning for the Future
44 A New Plan Lesson 1: Goals and Budgets Worksheet 1-6 page 2 Monthly Income and Expenses Monthly Income Net pay (take-home pay)* # Net pay (take-home pay)* #2 Expenses Housing Expenses --- Rent/Mortgage Retirement or SSI benefits --- Property tax/home Insurance --- Government assistance --- Home maintenance/repairs --- Alimony/child support --- Gas and electricity Other income: car detailing 200 Water --- Total Monthly Income 1800 Other Expenses Food Car loan Car insurance Car maintenance/repairs Gasoline Public transportation --- Credit card payments Loan payments --- Telephone Cell phone 30 Doctors/dentists Insurance (other than car) --- Entertainment 1.cable television ( ) 2. restaurants & clubs ( ) 3. video rentals ( ) 4. other ( ) Clothing Alimony/child support --- Savings account --- Other expenses 1. cigarettes ( ) 2. gym membership ( ) Total Monthly Expenses
45 Mohammed s New Total Monthly Income Mohammed s New Total Monthly Expenses - Mohammed s New Monthly Income after Expenses High-Intermediate/Advanced Unit II: Planning for the Future
46 A New Plan Lesson 1: Goals and Budgets Worksheet 1-6 page 3 Report your group s changes to the class. Use the examples below to help you. Examples: We increased his total monthly income by 100 because we thought he could detail one more car each month. We reduced the cell phone bill by 20 because we thought he could find a cheaper plan. We eliminated the video rentals because we thought he could just watch TV. His new monthly income after expenses is. Change # 1. Change #2. Change #3. Mohammed s new monthly income after expenses is. High-Intermediate/Advanced Unit II: Planning for the Future
47 Your Plan Lesson 1: Goals and Budgets Worksheet 1-7 page 1 You can use this form to figure out your monthly income and expenses. Monthly Income and Expenses Monthly Income Net pay (take-home pay)* #1 Expenses Housing Expenses Net pay (take-home pay)* #2 Rent/Mortgage Retirement or SSI benefits Property tax/home Insurance Government assistance Home maintenance/repairs Alimony/child support Gas and electricity Other income: Water Total Monthly Income Other Expenses Food Car loan Car insurance Car maintenance/repairs Gasoline Public transportation Credit card payments Loan payments Telephone Cell phone Doctors/dentists Insurance (other than car) Entertainment Clothing Alimony/child support Savings account Other expenses Total Monthly Expenses High-Intermediate/Advanced Unit II: Planning for the Future
48 Your Plan Lesson 1: Goals and Budgets Worksheet 1-7 page 2 After you figure out your Total Monthly Income and Total Monthly Expenses, you can figure out how much extra money that you have each month--your Income after Expenses. This is the money that you can use to save for something or invest. Use the numbers from your worksheet to find your Income after Expenses for each month. Total Monthly Income Total Monthly Expenses - Monthly Income after Expenses A New Plan After you figure out your Monthly Income after Expenses, are you happy with the amount? Would you like to have more money each month to save for a goal? What are some changes that you might make to save more money each month? You can use the following Monthly Income and Expenses form to find out how much your Monthly Income after Expenses will be if you make these changes. High-Intermediate/Advanced Unit II: Planning for the Future
49 Your Plan Lesson 1: Goals and Budgets Worksheet 1-7 page 3 Monthly Income and Expenses Monthly Income Expenses Net pay (take-home pay)* #1 Housing Expenses Net pay (take-home pay)* #2 Rent/Mortgage Retirement or SSI benefits Property tax/home Insurance Government assistance Home maintenance/repairs Alimony/child support Gas and electricity Other income: car detailing Water Total Monthly Income Other Expenses Food Car loan Car insurance Car maintenance/repairs Gasoline Public transportation Credit card payments Loan payments Telephone Cell phone Doctors/dentists Insurance (other than car) Entertainment Clothing Alimony/child support Savings account Other expenses Total Monthly Expenses Your new Total Monthly Income
50 Your new Total Monthly Expenses - Your new Monthly Income after Expenses High-Intermediate/Advanced Unit II: Planning for the Future
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