## Budgeting and explaining the act of overspending are complex topics to address. This post details an authentic experience for overspending, but in a safe setting.

### Background

I have previously posted about a running bank balance, gift card balance, and a comprehensive set of budgeting activities. These are activities that simulate various aspects of budgeting. When I co-taught life skills math, we took the students on a field trip to the grocery store. It was then I saw the quantum leap in task demand for shopping in an authentic setting compared to the simulated activities we created at school.

### Real-life Budget Activity

To help a student unpack the concept of a spending limit and the act of overspending, I created an in person shopping experience at Barnes and Noble. I purchased a gift card with a balance of \$1 (image below). The student I was helping was tasked with purchasing an item that cost over \$1. He had experience with ordering and paying on his own with enough money provided. This time he was in a position to overspend. I was ready with cash and stepped in. This allowed him to experience, firsthand, the overspending and budget situation.

Clearly, we must take into account the level of anxiety a student may have with such an activity before undertaking it.

## Shopping is surprisingly more complex that we realize for many students who are working on life skills math. Staying within a spending limit is one issue. The concept of a running balance is another. In this post, I detail an activity in which a gift card in real life and ones in simulations are used in shopping activities. The purpose is to engage students with spending limits and balances.

### Real Life Activity

I provided a student with a \$10 gift card to buy a hot chocolate at Barnes and Noble. This experience allowed the student to order, pay, and monitor the balance. At some point the card will not have a balance to cover another drink. Not only does this provide real life experience, it provides an anchor for other instructional activities.

The student identified the price, the tax, the total, and the balance. Then he computed the balance to see for himself how this works.

### Simulations in Instructional Settings

In our instructional setting, the student is provided an image of a gift card on a Google Slide and is prompted to buy 1 item at a time. This allows for immediate computation and tracking of a running balance.

In the image below, you can see a prompt for the student reflect on how the balance is computed by referring to the in person experience. I have the student compute on Google Calculator to allow me to record the work.

The running balance is recorded on the Google Calculator image (\$18.75 below) and the next item is purchased with a new running balance computed.

### Generalization

I am in a position to conduct in person instruction at other settings. Obviously, most teachers do not have this opportunity. My recommendation is to collaborate with a parent to facilitate such activities. For example, if the family is going out to eat, the student can be provided a gift card and allow him or her to choose an item and pay independently. Another possibility is that the parent provides a student an e-gift card to spend during class with the teacher.

## Budgeting is a challenging topic for many students with special needs. The process has many components, multiple steps, and involves application of money and shopping math topics. This post describes an activity to develop competence in budgeting by shopping for a food for a week with a money limit.

The activity is presented on a Google Doc and can be completed with online shopping at a grocery store of choice or at Stop and Shop. A gift card image is used to lead into a discussion or lessons on balance. This is a preview of a full budget activity shared on another post.

### Identifying Food Items

The first step is to identify the foods to eat. To keep it simple, only the meals for a single day are identified and will be extrapolated to cover the whole week. This will not take into account snacks to reduce the task demand. This also leads into lessons on nutrition, e.g., identifying macronutrients and what they provide our bodies.

### Shopping

The student identifies the food item for each meal and enters the item, cost, and of servings. A discussion or minilesson on number of servings may be conducted first.

After shopping, the student determines if there are enough servings to cover all 7 days. If not, the number packages (bottles, etc.) are determined. This can be done by multiplying by 2, 3, 4 until more than 7 is computed. Then the total cost for the food item is computed.

Then the grand total is computed at the bottom. This leads to a discussion about the budget as the student compares the total with the amount or balance on the gift card(s).

## I have found that most students have little understanding of the living expenses and take home pay. This post provides details of a monthly budget plan that is useful for all levels of students and can be customized accordingly.

Here is a link to a Google Document with all components: job, take home pay, list of categories of expenses, and directions for activities to estimate the pay and expenses, and a comparison of take home pay and expenses with a look at other possible expenses. This can be revised to meet the needs or ability level of the students, as well as the user’s location. I have used this in whole class instruction in a general ed settings and for individuals working on life skills math.

### Budget Activity

The Assignment starts with finding a job. I work with one student who has a postsecondary goal of college. He searched for a salaried position. Other students may be working for an hourly wage.

There is a take home pay calculator used in this assignment (2nd photo below). It is based on annual pay. I scaffold the conversion of hourly pay, which is a good calendar activity in of itself.

The chart below is the master list of expenses. Some expenses are computed on subsequent pages and some have the link in the row. The amounts are estimates intended to allow the student to engage in a monthly budget.

At the end, the student compares pay and expenses. I find that this is an eye opener for many students. They are not simply asked to take the word of parents or teachers on what life has in store for them, they see it for themselves.

### Individual Activities

The individual sections are useful in isolation. I use buying a car to as an introduction to 2-step linear equations with down payment + monthly cost times number of months = price of car. For students learning to count money, the shopping activities can be used. I task students to shop online at a store like Target as if they had a \$50 gift card (see image below). Once completed, they count out money to pay for items in the cart and they compute the balance on the card. This is an entry point into budgeting as they compare money they have with money they spend. I will keep a running list of prompts on Google Slides as data for how well the student stays under budget.

## Monthly Budget Project

The images shown are excerpts from the latest iteration of a budget project I have used for years. The content addressed in this project can be used as stand alone activities and are relevant real life examples for our students. Even the younger students could benefit, e.g., learning addition by shopping for items online and recording the prices (for older students throw in computing tax). These topics are especially useful for multiplication word problems, rate, single variable equations, and linear functions (slope being rate of change such as car payment per month).

Here is an overview. You graduate from high school and are living on your own. You have a job, but your car is getting old. You need to figure out how to save for a down payment in your budget and for when you must pay a car payment and insurance. (You will have to get your OWN insurance.)

The image below shows the table for all monthly expenses.

The students have imbedded activities such as

• estimating monthly food costs by estimating cost for meals for a single day
• shopping for disposable household items
• shopping for car insurance based on the car they shop for (more on that at the end) NOTE: they do not share personal information other than a school email address (or my email address) to receive the quote
• searching for a job with a hourly pay and estimate after tax income

They shop for a car last as the idea is they need to save up for a down payment. The amount they can save is based on how much money is left over after paying all other bills. How much they save will be converted to how much they can spend on a car payment and monthly insurance payment.