https://padlet.com/lgualano2/oyf6drkcwuw3 What did you learn from the financial literacy unit? (Name at least five things!) en-us 2019-05-01 13:29:40 UTC 2019-05-02 13:42:37 UTC hello@padlet.com https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356177607 -I learned that it is hard to plan a good trip anywhere.
-I learned that a credit card you can pay over time
-I learned that you want to budget your money accordingly
-I learned how to create and use formulas in google sheets.
-I learned that If you do not have a lot of money don't spend most or all of it on one thing]]> 2019-05-02 13:06:40 UTC https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356177607 jesunila11 https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356177641 - I learned what a debit card is
-I learned what a credit card is
-I learned how planning helps you make decisions and it educates you on what you can get
-I learned google sheets is a great tool to use when doing budgeting
-I learned that net income is the real amount of money you will receive/get]]> 2019-05-02 13:06:43 UTC https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356177641 esmith1_142_2 https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356177654 -that credit cards you pay a bill for after each month.
-debit cards come straight from your bank account.
-i learned that the monthly net income without taxes 
-I learned that the gross income before the taxes are taken off. 
-I learned how to make a google sheets for a checking account.]]> 2019-05-02 13:06:45 UTC https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356177654 https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356177704 I learned many things, such as:
- how to budget and save money for a trip,
- how to use Google Sheets to compare products, such as cell phone plans,
- how to use formulas on Google Sheets to make calculating easier,
- the differences between a debit and a credit card,
- how taxes affect your salary and what the terms "net income" and "gross income" mean.
- that different jobs require different levels of education.
Overall, I learned a lot, and this unit helped me to make better financial decisions in my life.]]> 2019-05-02 13:06:52 UTC https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356177704 klwessel1 https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356177714 - I learned that debit cards take cash right out of your account.
- I learned that credit cards are used when you want to make a big purchase, like a house, so you can pay it off later.
- I learned that gross income is the income you make BEFORE all the taxes are taken off. 
- I learned when making a purchase,  like a phone, there are many more expenses than what you would think at first. 
- I learned that using spread sheets, like Google Sheets, is a good way to organize information about what you have bought or what you want to buy.]]> 2019-05-02 13:06:53 UTC https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356177714 https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356177751 I learned that making financial decisions is very important. Making a budget to plan out all of your expenditures and other things is a good way to organize information and help with real-life situations. I learned about credit cards, which is used to pay at the end of the month, while debit cards pay the money right away. In lesson one and lesson three on Applied Digital Skills, I learned how to use a spreadsheet and organize information in a way that it is easy to see what your expenditures and other things are. Overall, this unit helped me understand the importance of plans and budgets that are made for monthly expenditures and the importance of financial decisions. ]]> 2019-05-02 13:06:56 UTC https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356177751 https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356177758 -The difference between a credit card and debit card.
-Debit takes money from your savings account 
-the definition of net income
-I learned how to save money and keep a good budget
-you need to pay a credit card bill each moth 
 ]]> 2019-05-02 13:06:56 UTC https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356177758 lalaqui https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356177777 - I learned what a debit and credit card is
- I learned that if you use a debit card the money comes out right away
- I learned when you use a credit card you have a limited time to pay that money back
- I learned that if you don't pay the credit card money, there is going to be a lot more money for you to pay
- I learned what net and gross income is]]> 2019-05-02 13:06:58 UTC https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356177777 sbbetker1 https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356177815 I learned:
1) Debit cards take money directly from your savings account
2) How your monthly net income can affect how you live and if it's really bad you don't get all the good things
3) Credit cards must be payed off later and it's extremely easy to get in debt
4) How to research about certain things to find the best option for you
5) How to use spreadsheet ]]> 2019-05-02 13:07:02 UTC https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356177815 gekonstantopoulos https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356177824 I learned the difference between a debit and credit card and how both can be useful for everyday things.
I learned how to keep a budget, and how to save money. 
I learned how to avoid overpriced objects that might not be worth the price. I learned how to keep a reasonable amount of money spent when going on a vacation somewhere, and how to use a sheet to organize different things.


]]> 2019-05-02 13:07:03 UTC https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356177824 anaziz https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356177877 -I learned that debit cards take money from your savings
-I learned it is very important to budget your money.
- I learned you can use a sheet and have lots of ways to orgainise it. 
-I learned that even if you want somthing it may not be that beifisal 
- I learned that credit cards are more for every day use.]]> 2019-05-02 13:07:09 UTC https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356177877 imshuman11 https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356177889 I learned multiple things from the financial literacy unit the first one being how to get the best deal for your money, during lesson 1 we were able to research and access different types of phones then pick out the best one using google sheets. The second thing I learned was how to sort out our finances, during lesson 3 we were given a bank account and had to sort out the money we made and see which category was the most consuming, the third thing I learned was how to budget responsibly, in an activity we did in class, I was given a job and a net income and had to figure what were the best deals for me, (I was an electrician). I also learned about debit and credit cards and which one had the most perks and benefits and would therefore be the most useful to me. The final thing I learned was about gross and net incomes, taxes come along with jobs, so even if my job says I will make $3,500 a month I may really only be making $2,800. This is because my gross income is $3,500, but once the taxes are removed I have my net income of $2,800.]]> 2019-05-02 13:07:09 UTC https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356177889 fmuhammad6_2 https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356177898 - I learned about the differences between a debit and credit card.
- I learned in what situations I should use either a credit or debit card.
- I learned how to budget and save money to pay all of my expenses.
- I learned how to use spreadsheets to organize information and pick out what product best matches my needs.
- I learned to spend money on needs before wants.

]]> 2019-05-02 13:07:11 UTC https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356177898 https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356177920 I learned the differences between a credit and a debit card.
I learned how to organize my money correctly. 
I learned how to save my money.
I also learned what is the right amount for something I need.
I also learned the difference between spending with only yourself compared to spending with several people. ]]> 2019-05-02 13:07:13 UTC https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356177920 lmvesely1 https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356177930 I learned what a credit card is and when I should use it
I learned what a debit card is and appropriate times to use it 
I learned how to organize information about costs in a google sheet
I learned how to find the best deal on costs of items 
I learned how to research costs of different items ]]> 2019-05-02 13:07:14 UTC https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356177930 sauysaloglu1 https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356178081 2019-05-02 13:07:29 UTC https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356178081 sauysaloglu1 https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356178088 - I learned the difference between Debit and Credit cards. 
- I also learned how to manage and budget money through saving and checking accounts. ]]> 2019-05-02 13:07:30 UTC https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356178088 https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356178103 1. I learned that a credit card takes a loan, and  you aren't paying the amount immediately
2. A debit card pays money immediately
3. Debit cards should generally be used for small things like snacks and meals
4. Credit cards should be used for big things like furniture
5. I learned how a budget works, and approximately how much money you should set aside for each section.

]]> 2019-05-02 13:07:32 UTC https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356178103 https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356178110 - I learned how to use debit cards
- I learned the safety of credit cards
- I learned how to balance a budget
- I learned how to find the collected cost of trips and expenses
- I learned how to use google sheets to make a chart for my monthly expenses. ]]> 2019-05-02 13:07:33 UTC https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356178110 ldduckworth31 https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356178150 I learned the difference between a debit and credit card and how its used. Like how a debit card is used for buying things now and a credit card is used for buying things later.]]> 2019-05-02 13:07:36 UTC https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356178150 https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356178280 I learned
- the difference between debit and credit cards
- how to use spreadsheets to track your savings
- how to balance a budget
- how to find collective costs of an item or trip
- how to stay safe whenusing credit and debit cards]]> 2019-05-02 13:07:50 UTC https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356178280 https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356178347 I learned what a credit card is used for
I learned what a debit card is used for
I learned how to  budget for things
I learned that you can't always buy the most expensive thing
I learned that you want to pay off your debt before it keeps adding up]]> 2019-05-02 13:07:59 UTC https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356178347 https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356178390 I learned the difference between a credit and debit card. 
I learned how to use google sheets to map out all of my expenses. 
I learned how to use the SUMIF formula in google sheets. 
I learned that gross income is the amount of money that you make before tax is applied. 
I also learned how to stay safe while using a credit card. ]]> 2019-05-02 13:08:04 UTC https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356178390 anittala https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356178422 I learnt...
- the difference between credit and debit card.Credit card you pay off later. Debit card money comes out of you account.
- how to use google sheets 
- how to take an informed decision by comparing options for big purchase 
- how to calculate monthly payment 
- how to make a budget
-Net VS gross income  ]]> 2019-05-02 13:08:08 UTC https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356178422 pwoconnell https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356178464 In the financial literacy unit I was able to learn lots of things that will be relivent later in life. One thing I learned from the financial literacy unit was how to make a spreadsheet. Even though it mightseem simple at the begining of the financial literacy unit I had no idea how to use a spread sheet but today I am formiliar with the google sheets software. I can also use sum and sum if ecuations to calculate net income umong other things. For a long time I haven't understood why there are so many diffrent cars but the financial literacy unit taught me that having multiple cards are a good thing because credit and debit cards both have unique pros and cons. I also learned in the simulation how to manage a budget. Lastly I learned the difference between net and gross income. Overall the financial literacy unit helped me understand things that I have always wondered about.]]> 2019-05-02 13:08:12 UTC https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356178464 https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356178578 I learned that there is a difference between the two cards. one has money on it and the other you pay off over time. i also learned to spend money wisely and you don't always need the best things. i also learned how to budget for making a big purchase like a house or a car. i also learned how to use spread sheet i never really understood or knew how to use it till now. i also learned how different jobs require a different level of education. and what net income is. ]]> 2019-05-02 13:08:26 UTC https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356178578 https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356178583 I learned what a credit card was and also a debit card. I also learned how to use them. ]]> 2019-05-02 13:08:26 UTC https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356178583 ahwu11 https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356178644 I learned the differences between credit and debit cards.
I learned the benefits and disadvantages of each card.
I learned how to make a decision based off of google sheets.
I learned why financial literacy is so important, (so you can have a managed life).
I learned how to manage my budget based on my monthly net income.]]> 2019-05-02 13:08:34 UTC https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356178644 https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356178750 I learned the difference between a debit card and a credit card
I learned when to use each card in a situation
I learned why credit cards can sometimes be helpful
I learned that money is taken out of your savings account when you use a debit card
I learned the difference between net income and gross income ]]> 2019-05-02 13:08:39 UTC https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356178750 agpaul https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356179416 In lesson one and three I learned how to use a spreadsheet to organize information. This allowed viewing my options for phones, in lesson one, much easier. I also learned the importance of keeping track of expenses and income to create a budget for each month. In 
addition to this I have learned the differences and benefits for debit and credit cards. Finally, I learned how to budget my money based on an income for one month.]]> 2019-05-02 13:09:51 UTC https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356179416 https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356179460 -I learned that spread sheets is a great way to map out spending cost and the statistics about a phone and which one is the best to buy.
-How to carefully manage your money with your job income 
- That debit is where it takes away directly from
-Credit you pay at the end of month
- I learned how to budget and plan for a trip]]> 2019-05-02 13:09:57 UTC https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356179460 mtgavin https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356179591 -difference between a debit and credit card.
-how to manage a budget using google sheets
-how to manage the money I make from a job into each category of living. 
-advantages of managing a budget.
-how to use google sheets more effectively. ]]> 2019-05-02 13:10:14 UTC https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356179591 sauysaloglu1 https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356179879 - I learned the difference between a Debit and Credit card.
- I also learned how to manage and budget money through saving and checking accounts  through your bank account from lessons 1 and 3.
- I learned that using spreadsheets are a great and beneficial way of mapping out much different phones, other devices, and trips/vacations cost by adding up the total amounts of each and every product and trips you would like to purchase.
- Finally, I learned the difference between gross and net income.]]> 2019-05-02 13:10:47 UTC https://padlet.com/lgualano2/oyf6drkcwuw3/wish/356179879