Teach Your Students Simple Money Planning With This Lesson and Activity Sheet

Spending, saving, and giving!

Sponsored By Regions Next Step
Flat lays of Money Planning lesson and activity sheet

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.

Get the Lesson