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Are your students learning about making financial decisions? The more our students become aware of the different decisions they have to make with their money, the more they will be prepared for their financial future. Teaching personal financial literacy is so important for our kids!

In this activity, they will learn about spending, saving, charitable giving, income, and credit.

You will receive 2 activities! In the first activity, students will match definitions to learn what each one means. In the second activity, they will sort real-life situations. Students will also write about their own experiences or share experiences with a friend.

This activity addresses:
TEKS 3.9F Identify decisions involving income, spending, saving, credit, and charitable giving.

Looking for more resources? Click on the products below.

NEW Kinder Personal Financial Literacy Task Cards (aligned to TEKS K.9 A-D

NEW 1st grade Personal Financial Literacy Task Cards (aligned to TEKS 1.9 A-D)

NEW 2nd grade Personal Financial Literacy Task Cards (aligned to TEKS 2.11 A-F)

NEW 3rd grade Personal Financial Literacy Task Cards (aligned to TEKS 3.9 A-F)

NEW 4th grade Personal Financial Literacy Task Cards (aligned to TEKS 4.10 A-E)

NEW 5th grade Personal Financial Literacy Task Cards (aligned to TEKS 5.10 A-F)

For Texas Teachers: The above task cards are aligned to the following TEKS:

K.9A identify ways to earn income
K.9B differentiate between money received as income and money received as gifts
K.9C list simple skills required for jobs
K.9D distinguish between wants and needs and identify income as a source to meet one's wants and needs

1.9A define money earned as income
1.9B identify income as a means of obtaining goods and services, often times making choices between needs and wants
1.9C distinguish between spending and saving
1.9D consider charitable giving

2.11A calculate how money saved can accumulate into a larger amount over time
2.11B explain that saving is an alternative to spending
2.11C distinguish between a deposit and a withdrawal
2.11D identify examples of borrowing and distinguish between responsible and irresponsible borrowing
2.11E identify examples of lending and use concepts of benefits and costs to evaluate lending decisions
2.11F differentiate between producers and consumers and calculate the cost to produce a simple item

3.9A explain the connection between human capital/labor and income
3.9B describe the relationship between the availability or scarcity of resources and how that impacts cost
3.9C identify the costs and benefits of planned and unplanned spending decisions
3.9D explain that credit is used when wants or needs exceed the ability to pay and that it is the borrower's responsibility to pay it back to the lender, usually with interest
3.9E list reasons to save and explain the benefit of a savings plan, including for college
3.9F Identify decisions involving income, spending, saving, credit, and charitable giving

4.10A distinguish between fixed and variable expenses
4.10B calculate profit in a given situation
4.10C compare the advantages and disadvantages of various savings options
4.10D describe how to allocate a weekly allowance among spending; saving, including for college; and sharing
4.10E describe the basic purpose of financial institutions, including keeping money safe, borrowing money, and lending

5.10A define income tax, payroll tax, sales tax, and property tax
5.10B explain the difference between gross income and net income
5.10C identify the advantages and disadvantages of different methods of payment, including check, credit card, debit card, and electronic payments
5.10D develop a system for keeping and using financial records
5.10E describe actions that might be taken to balance a budget when expenses exceed income
5.10F balance a simple budget

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