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.
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.