Seventh Grade
Household Budgeting
Instructions:
- Create a basic monthly household budget.
- Calculate income, bills, groceries, and savings.
- Adjust categories to stay within budget.
Special Needs Adaptations:
- Use simplified, color-coded budgeting forms.
- Provide visual samples and guided practice.
- Start with a smaller scale (weekly budgets).
Meal Planning for a Week
Instructions:
- Plan three meals per day for a week.
- Calculate grocery lists and costs.
- Adjust plan to fit budget.
Special Needs Adaptations:
- Offer meal templates with pre-filled options.
- Use pictures for menu choices.
- Focus on 2-3 meals at a time if needed.
Eighth Grade
Planning a Small Business
Instructions:
- Create a plan for a small business (lemonade stand, pet sitting, etc.).
- Budget for supplies, advertising, and profits.
- Track earnings and expenses.
Special Needs Adaptations:
- Use pre-made templates with step-by-step questions.
- Focus on fewer variables for easier calculations.
- Provide visual aids like pie charts.
Tracking Household Energy Use
Instructions:
- Record daily energy use from utility bills.
- Calculate weekly and monthly consumption.
- Propose ways to reduce energy costs.
Special Needs Adaptations:
- Use visual energy charts.
- Focus on simple comparisons (before/after changes).
- Provide guided interpretation of utility bills.
Ninth Grade
Managing a Checking Account
Instructions:
- Track deposits, withdrawals, and balances.
- Reconcile a monthly bank statement.
- Practice using checks and debit registers.
Special Needs Adaptations:
- Use mock accounts with visual check registers.
- Provide step-by-step reconciliation guides.
- Focus on one transaction type at a time.
Trip Planning with Budgets
Instructions:
- Plan a trip to a destination of choice.
- Budget travel, lodging, food, and activities.
- Calculate total costs and compare travel options.
Special Needs Adaptations:
- Provide budget templates.
- Focus on simplified trip components first.
- Allow calculator use and visual supports.
Tenth Grade
Tax Preparation Basics
Instructions:
- Introduce basic tax forms and concepts.
- Complete a mock tax return using provided data.
- Discuss gross income, deductions, and net income.
Special Needs Adaptations:
- Use color-coded forms with simplified examples.
- Break the process into single-step lessons.
- Offer guided practice with immediate feedback.
Comparing Service Providers
Instructions:
- Compare prices for internet, phone, or utilities.
- Calculate total annual costs and potential savings.
- Present findings in chart form.
Special Needs Adaptations:
- Provide templates for cost comparison.
- Use visual supports to compare options.
- Limit to 2-3 providers initially.
Eleventh Grade
Car Ownership Costs
Instructions:
- Calculate purchase price, insurance, fuel, and maintenance costs.
- Compare different vehicle options.
- Create a monthly budget for ownership.
Special Needs Adaptations:
- Provide step-by-step calculation guides.
- Focus on fewer variables.
- Use calculators and visual aids.
College Cost Planning
Instructions:
- Research tuition, housing, books, and fees.
- Calculate total annual and degree costs.
- Explore scholarship and financial aid options.
Special Needs Adaptations:
- Use simplified college cost worksheets.
- Limit research to local schools.
- Provide structured comparison charts.
Twelfth Grade
Apartment Rental Budget
Instructions:
- Research rental costs in local areas.
- Budget for rent, utilities, food, and transportation.
- Create a monthly budget and savings plan.
Special Needs Adaptations:
- Use real estate sites with simplified listings.
- Provide templates for monthly budgeting.
- Offer guided calculations and visual supports.
Long-Term Financial Planning
Instructions:
- Discuss savings, investment basics, and retirement planning.
- Create a sample long-term savings goal and timeline.
- Use compound interest calculators to explore growth.
Special Needs Adaptations:
- Use simple savings plans with visual timelines.
- Provide pre-filled examples.
- Break concepts into manageable lessons.







