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“Every day we make financial decisions... from buying food to saving money. Understanding taxes, paychecks, and affordability helps us stay in control.”

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What is Financial Literacy? | Introduction

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“Most purchases include sales tax. To estimate: Cost × Tax Rate = Tax. Then add Tax to find the total.”

Practice Activity:

Item: $20 shirt, tax rate 7%.

Ask: “What is the final cost?”

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How to Calculate Sales Tax | Math with Mr. J

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“When you want to buy something, ask: How much do I make? How much does it cost? Will I have enough left for needs?”

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Practice Activity: Scenario One:

You earn $50 a week. A new video game costs $45. Should you buy it now or wait? Explain why.

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A budget helps you make sure you’ll have enough money every month.

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“Your paycheck is your gross pay (before deductions) minus taxes and other withholdings.”

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Gross pay: $400
Federal tax: $40, State tax: $20, Other deductions: $15
What is the net pay?

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Gross Up Paycheck Calculator: Federal, State and Local taxes

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Use this gross up calculator to determine the take home or net amount based on gross pay. Perfect for any net to gross pay calculations.

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“Imagine you just got your first job earning $300 per week. You want new shoes ($120), eat out ($40), and save for a concert ($80). Make a budget and decide: Can you afford everything this week? What should you adjust?”

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1. Go to playspent.org. Click on Continue to Spent on the right side of the screen to start the game and play it all the way through.

2. PRO TIP: Keep an eye on the left-hand bar which keeps track of your progress and includes 3 options to get more money during the month.

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Think you’ll never have to ask for help? Here’s your chance to prove it.

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Review from the Spent game by completing the worksheet (Part III).

Exit Ticket:

“Making smart financial choices helps you avoid debt, save for the future, and enjoy what you buy.”

(write one thing you learned about finances this week).

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INTERACTIVE: Living Paycheck to Paycheck