BELLRINGER: Mr. Burkhard does a quick demonstration of the NERDWALLET Car Financing Tool, especially showing how CREDIT SCORE effects car loan prices.

Also, here is the EXAM ONE STUDY GUIDE. Please spend time in class today reviewing this. If students are NOT studying for the exam or at least working on their BUYING A CAR MINI-PROJECT, I will assume that students do not need any more study time and we will have the Budget Basics Test- Housing, Utilities, Side Gigs, Taxes and Cars" NOW.

WORK FOR TODAY:

1- PERSONAL FINANCE LIFE STATUS SHEET FOR ALL STUDENTS.   This will be your starting point for the upcoming projects, all based on the form YOU completed on the first day of class. 

2- ZIP CODES:   See your particular move location and COST OF LIVING INDEX by reviewing the BIG MOVE ZIPCODE SPREADSHEET.

3- Please complete the BUYING A CAR MINI-PROJECT. Add these amounts to your BUDGET. This assignment will be graded next class period.

4- Here is the EXAM ONE STUDY GUIDE. Please spend time in class today reviewing this.

Because a number of students have indicated that they did not enter their budget information on their LIFE BUDGET FORM and some are indicating that their budgets have not been saving after data entry, I am putting together a complete list of all of the data that you have given me regarding your budget. The tables are below. Use these, as needed, to retrieve your information for your final BUDGET PROJECT.

• INCOME DATA
• RENTING YOUR HOUSE DATA
• UTILITIES DATA
• MONTHLY EXPENSES DATA
• SIDE GIG/PART TIME JOB DATA
• TAX DATA
• FUN VACATION DATA
• CAR EXPENSES DATA

BELLRINGER: Here is the EXAM ONE STUDY GUIDE. Please spend time in class today reviewing this.

WORK FOR TODAY:

1- PERSONAL FINANCE LIFE STATUS SHEET FOR ALL STUDENTS.   This will be your starting point for the upcoming projects, all based on the form YOU completed on the first day of class. 

2- ZIP CODES:   See your particular move location and COST OF LIVING INDEX by reviewing the BIG MOVE ZIPCODE SPREADSHEET.

3- You have a DOING YOUR TAXES ASSIGNMENT. This assignment is absolutely DUE TODAY. Mr. Burkhard will be grading this TONIGHT.

4- Please complete the DO SOMETHING FUN FOR A CHANGE ASSIGNMENT. Also due today.

5- Please complete the BUYING A CAR MINI-PROJECT. Add these amounts to your BUDGET. This assignment will be graded next class period.

HERE IS THE LINK TO THE LIFE BUDGET PROJECT

BELLRINGER: For those of you that were NOT here last class period, there is an extra credit opportunity in the form of the LOTTERY TAX RESEARCH ASSIGNMENT. If you complete this and demonstrate strong critical thinking, I will give you some extra credit points.

LEARNING FOR TODAY: HOW TO BUY A CAR.

WORK FOR TODAY:

1- PERSONAL FINANCE LIFE STATUS SHEET FOR ALL STUDENTS.   This will be your starting point for the upcoming projects, all based on the form YOU completed on the first day of class. 

2- ZIP CODES:   See your particular move location and COST OF LIVING INDEX by reviewing the BIG MOVE ZIPCODE SPREADSHEET.

3- You have a DOING YOUR TAXES ASSIGNMENT. This assignment will require you picking up an actual 1040 form from Mr. Burkhard and completing it, using the information on the Assignment Sheet. USE PENCIL, you will probably mess things up at least once. Yes, you have to do this. TAKE IT ONE LINE AT A TIME, you'll be fine!

4- Can we PLEASE do something fun for a change? YES! Please complete the DO SOMETHING FUN FOR A CHANGE ASSIGNMENT. Make sure you enter this in your monthly BUDGET.

5- Time to BUY A CAR! Please complete the BUYING A CAR MINI-PROJECT. Add these amounts to your BUDGET.

HERE IS THE LINK TO THE LIFE BUDGET PROJECT

BELLRINGER: I am thinking that a decent number of class participants will be out today. That being the case, we will be covering no new information There is, however, a BELLRINGER- the LOTTERY TAX RESEARCH ASSIGNMENT. I was going to make this a 25 point assignment, but if you are here today and complete the assignment with evidence of some critical thinking, I will give you some extra credit points.

I WOULD LIKE TODAY TO JUST BE A WORK DAY: 

1- PERSONAL FINANCE LIFE STATUS SHEET FOR ALL STUDENTS.   This will be your starting point for the upcoming projects, all based on the form YOU completed on the first day of class. 

2- ZIP CODES:   See your particular move location and COST OF LIVING INDEX by reviewing the BIG MOVE ZIPCODE SPREADSHEET.

3- You have THE SIDE GIG ASSIGNMENT. This one requires more personal reflection and research than some of the other assignments we have had, but could be VERY useful in your future. Please complete this and add the numbers to your LIFE BUDGET by the end of today's class period. This should have been completed last class period.

4- You have a DOING YOUR TAXES ASSIGNMENT. This assignment will require you picking up an actual 1040 form from Mr. Burkhard and completing it, using the information on the Assignment Sheet. USE PENCIL, you will probably mess things up at least once. Yes, you have to do this. TAKE IT ONE LINE AT A TIME, you'll be fine!

5- Can we PLEASE do something fun for a change? YES! Please complete the DO SOMETHING FUN FOR A CHANGE ASSIGNMENT. Make sure you enter this in your monthly BUDGET.

HERE IS THE LINK TO THE LIFE BUDGET PROJECT

BELLRINGER: OK, this one is not going to be fun. Sorry. We discuss INCOME TAXES. PLEASE TAKE NOTES.

OUR ASSIGNMENTS FOR TODAY: 

1- PERSONAL FINANCE LIFE STATUS SHEET FOR ALL STUDENTS.   This will be your starting point for the upcoming projects, all based on the form YOU completed on the first day of class. 

2- ZIP CODES:   See your particular move location and COST OF LIVING INDEX by reviewing the BIG MOVE ZIPCODE SPREADSHEET.

3- You now have THE SIDE GIG ASSIGNMENT. This one requires more personal reflection and research than some of the other assignments we have had, but could be VERY useful in your future. Please complete this and add the numbers to your LIFE BUDGET by the end of today's class period.

4- You now have a DOING YOUR TAXES ASSIGNMENT. This assignment will require you picking up an actual 1040 form from Mr. Burkhard and completing it, using the information on the Assignment Sheet. USE PENCIL, you will probably mess things up at least once. Yes, you have to do this. TAKE IT ONE LINE AT A TIME, you'll be fine!

5- Can we PLEASE do something fun for a change? YES! Please complete the DO SOMETHING FUN FOR A CHANGE ASSIGNMENT. Make sure you enter this in your monthly BUDGET.

HERE IS THE LINK TO THE LIFE BUDGET PROJECT

BELLRINGER: YOU NEED MONEY! We discuss SIDE GIGS, PART TIME JOBS AND CONTRACT WORK. Take Notes!

OUR ASSIGNMENTS FOR TODAY: 

1- PERSONAL FINANCE LIFE STATUS SHEET FOR ALL STUDENTS.   This will be your starting point for the upcoming projects, all based on the form YOU completed on the first day of class. 

2- ZIP CODES:   See your particular move location and COST OF LIVING INDEX by reviewing the BIG MOVE ZIPCODE SPREADSHEET.

3- You are also going to have some other monthly expenses to consider. Review these by completing the "OTHER MONTHLY STUFF TO CONSIDER FORM."DUE TODAY!

4- You need to complete the WEEKLY FOOD BUDGET by next class period. This is a fairly complicated project, so you will need to read all of the instructions! This is DUE TODAY!

5- You now have THE SIDE GIG ASSIGNMENT. This one requires more personal reflection and research than some of the other assignments we have had, but could be VERY useful in your future. Please complete this and add the numbers to your LIFE BUDGET by next class period.

HERE IS THE LINK TO THE LIFE BUDGET PROJECT

BELLRINGER: Did you know that every time you go to the grocery store, you are being psychologically exploited? It's true! To see how, please complete Mr. Burkhard's "GROCERY STORE PSYOPS THINKING SHEET." This will be worth 10 points, try to give STRONG answers to all questions, if you want maximum points. THE BEST ANSWERS TO THE QUESTIONS WILL RECEIVE 10 EXTRA CREDIT POINTS!

And how can we save some money at the grocery store? Well, you could try to complete the CHEAPER GROCERY BILLS THINKING SHEET! That might help!

OUR ASSIGNMENTS FOR TODAY: 

1- PERSONAL FINANCE LIFE STATUS SHEET FOR ALL STUDENTS.   This will be your starting point for the upcoming projects, all based on the form YOU completed on the first day of class. 

2- ZIP CODES:   See your particular move location and COST OF LIVING INDEX by reviewing the BIG MOVE ZIPCODE SPREADSHEET.

3- You are also going to have some other monthly expenses to consider. Review these by completing the "OTHER MONTHLY STUFF TO CONSIDER FORM."DUE TODAY!

4- You need to complete the WEEKLY FOOD BUDGET by next class period. This is a fairly complicated project, so you will need to read all of the instructions!

HERE IS THE LINK TO THE LIFE BUDGET PROJECT

LEARNING FOR TODAY: FOOD IN YOUR BUDGET. We discuss everything you need to know about the food you eat every month and how it will fit into your budget.

OUR ASSIGNMENTS FOR TODAY: 

1- PERSONAL FINANCE LIFE STATUS SHEET FOR ALL STUDENTS.   This will be your starting point for the upcoming projects, all based on the form YOU completed on the first day of class. 

2- ZIP CODES:   See your particular move location and COST OF LIVING INDEX by reviewing the BIG MOVE ZIPCODE SPREADSHEET.

3- You need to be finishing on your RENTING A HOUSE IN YOUR NEW TOWN form.  You will be using the 28% of monthly income figure, locate THREE DIFFERENT possible rentals that would fit your needs in your new town.  ABSOLUTELY DUE TODAY!

4- You will also need to work on the UTILITIES AT THE NEW RENTAL form. We have bills to pay!ALSO DUE TODAY!

5- You are also going to have some other monthly expenses to consider. Review these by completing the "OTHER MONTHLY STUFF TO CONSIDER FORM."DUE ON MONDAY!

6- You need to complete the WEEKLY FOOD BUDGET by Monday. This is a fairly complicated project, so you will need to read all of the instructions!

HERE IS THE LINK TO THE LIFE BUDGET PROJECT

THE "COMPLETE THESE TASKS LIST" FOR LILLY:

1. THE "YOUR 5 YEAR FUTURE" PLANNING SHEET.
2. The RENTING A HOUSE IN YOUR NEW TOWN form
3. Join class at Personal Finance- 5th Period
4. UTILITIES AT THE NEW RENTAL form
5. "OTHER MONTHLY STUFF TO CONSIDER FORM."
6. WEEKLY FOOD BUDGET

LEARNING FOR TODAY: UTILITIES IN YOUR BUDGET. We also discuss some work arounds for some issues that we are having doing research regarding out budget categories.

OUR ASSIGNMENTS FOR TODAY:  They come in a bunch of parts.  First off, here are some informational links for you:

1- PERSONAL FINANCE LIFE STATUS SHEET FOR ALL STUDENTS.   This will be your starting point for the upcoming projects, all based on the form YOU completed on the first day of class. 

2- ZIP CODES:   See your particular move location and COST OF LIVING INDEX by reviewing the BIG MOVE ZIPCODE SPREADSHEET.

3- You need to be finishing on your RENTING A HOUSE IN YOUR NEW TOWN form.  You will be using the 28% of monthly income figure, locate THREE DIFFERENT possible rentals that would fit your needs in your new town.  

4- You will also need to work on the UTILITIES AT THE NEW RENTAL form. We have bills to pay!

5- You are also going to have some other monthly expenses to consider. Review these by completing the "OTHER MONTHLY STUFF TO CONSIDER FORM."

HERE IS THE LINK TO THE LIFE BUDGET PROJECT

THE "COMPLETE THESE TASKS LIST" FOR LILLY:

1. THE "YOUR 5 YEAR FUTURE" PLANNING SHEET.
2. The RENTING A HOUSE IN YOUR NEW TOWN form
3. Join class at Personal Finance- 5th Period
4. UTILITIES AT THE NEW RENTAL form
5. "OTHER MONTHLY STUFF TO CONSIDER FORM."

OUR ASSIGNMENTS FOR TODAY:  They come in a couple of parts.  First off, here are some informational links for you:

1- PERSONAL FINANCE LIFE STATUS SHEET FOR ALL STUDENTS.   This will be your starting point for the upcoming projects, all based on the form YOU completed on the first day of class.  In some cases, Mr. B. did some research to give you realistic numbers.  If you gave me a RANGE of salaries, I took the average salary for this form.

2- THE BIG MOVE: We begin working on our Budget Project that will carry us through a decent amount of this semester.  The first thing to know about this budget is that you are moving.  Yes.  You are 23, starting your new career and have received a job offer that you have accepted, in another state.  See your particular move location by reviewing the BIG MOVE ZIPCODE SPREADSHEET.

FOR TODAY: You need to be working on your RENTING A HOUSE IN YOUR NEW TOWN form.  You will be using the 28% of monthly income figure, locate THREE DIFFERENT possible rentals that would fit your needs in your new town.  

HERE IS THE LINK TO THE LIFE BUDGET PROJECT

BELLRINGER:

FOR TODAY: 

1- LECTURE:  We start learning about some Personal Finance.  Let's do a comparison of BUYING VS. RENTING A HOME.  TAKE NOTES, ASK QUESTIONS!

BELLRINGER: During the Rules Slideshow, Mr. B.'s did a quick discussion of "BEING A MILLIONAIRE AT 25- A SIMPLE GUIDE." 

Then, we talk a little bit about this semester and how we will be conducting our class. Then, as a preview to the course, we complete THE "YOUR 5 YEAR FUTURE" PLANNING SHEET. Please be HONEST on this form! If this semester is going to be useful to you, we need to be as real as possible in our work!

PERSONAL FINANCE Course overview and classroom rules and regulations

PERSONAL FINANCE SYLLABUS: DUE Friday, 8/15, 15 point assignment.

As a "Getting Started" Exercise for this course, we will be completing a "Next Year" budgeting activity. For this project, click through to MoneyFit.com's My Life, My Choices, Student Edition. (Don't worry about the blocked video, you really don't need to view it!) You will need to start by filling in the information boxes on the page. Use your school email address and list Mr. Burkhard as your teacher. You will receive a Certificate of Completion when you are done, please FORWARD this email to Mr. B. for grading! You should be able to complete this in one class period! Students that beat Mr. B.'s score will receive 10 extra credit points!  Later, we will do an actual budget that fits your real needs as a young person on the start of a career path.  

Please note, some students are getting error messages when they attempt to complete this and receive their certificates.  This means that you  probably did not completely fill in your personal and email information when you started.  I will accept A PHONE PHOTOGRAPH of your final score, but you need to ASK ME FIRST or it will be a PHONE REFERRAL.