What can we do with money? It’s an important question for K-2 students (and one that they’re inherently motivated to find out the answer to). Spending, saving, and giving are central concepts when it comes to money management. Give your students a head start with this “Money Planning” lesson. It’s all part of our Adventures in Math resource center!

What’s in the “Money Planning” lesson?

This lesson is divided into four parts:

Part 1—Spending Money: Make a “wants vs. needs” list as a class.

Part 2—Saving Money: A special story helps kids understand why it’s important to keep their money in a special place. The “Don’t Lose Your Money” worksheet has them identify good places to keep money.

Part 3—Giving Money: In small groups, students brainstorm how to use $10 to help others.

Part 4—Spending, Saving, and Giving: Construct a pictograph using three different colors of sticky notes.


  • Develop an understanding of personal financial literacy, including income, interest, wants and needs, saving and spending, and charitable giving.
  • Participate in group discussions.
  • Communicate math ideas and reasoning.
  • Solve addition and subtraction problems involving numbers up to 100.
  • Apply mathematics to solving problems arising in everyday life.
  • Solve one- and two-step word problems.
  • Solve word problems involving dollar bills, quarters, dimes, nickels, and pennies, using $ and ¢ symbols appropriately.
  • Solve word problems using objects.
  • Classify, count, and sort objects into categories.
  • Organize, represent, and interpret data.
  • Draw graphs to represent data.
  • Solve simple problems using bar graph information.

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