2. Six Weeks Ends Today! Check Focus to see if you have missing work.
Resume assignments are still due- to
Everfi modules on Saving and Banking must be completed today!

3. Everfi-1st Period Enter the class code- 7f01335e and click Next
If you do not have an address, you will need one. Obtain one, via Yahoo or Gmail. YOU ALSO NEED HEADPHONES/EARBUDS- BRING THEM!
Go to everfi.com/register
Enter the class code- 7f01335e and click Next
Fill in the required information (USE YOUR REAL NAME!) and start the program with the review module.
Everfi will assign you a grade for each module upon completion.
The First 2 modules must be completed by April 15th
You MUST be completed with ALL modules by May 20thth. We will not have access to the website after this date.

4. Everfi-3rd Period Enter the class code- fcb7344f and click Next
If you do not have an address, you will need one. Obtain one, via Yahoo or Gmail. YOU ALSO NEED HEADPHONES/EARBUDS- BRING THEM!
Go to everfi.com/register
Enter the class code- fcb7344f and click Next
Fill in the required information (USE YOUR REAL NAME!) and start the program with the review module.
Everfi will assign you a grade for each module upon completion.
The First 2 modules must be completed by April 15th
You MUST be completed with ALL modules by May 20thth. We will not have access to the website after this date.

5. Everfi-4th Period Enter the class code- 96d68dd5 and click Next
If you do not have an address, you will need one. Obtain one, via Yahoo or Gmail. YOU ALSO NEED HEADPHONES/EARBUDS- BRING THEM!
Go to everfi.com/register
Enter the class code- 96d68dd5 and click Next
Fill in the required information (USE YOUR REAL NAME!) and start the program with the review module.
Everfi will assign you a grade for each module upon completion.
The First 2 modules must be completed by April 15th
You MUST be completed with ALL modules by May 20thth. We will not have access to the website after this date.

6. Everfi-6th Period Enter the class code- 196366e8 and click Next
If you do not have an address, you will need one. Obtain one, via Yahoo or Gmail. YOU ALSO NEED HEADPHONES/EARBUDS- BRING THEM!
Go to everfi.com/register
Enter the class code e8 and click Next
Fill in the required information (USE YOUR REAL NAME!) and start the program with the review module.
Everfi will assign you a grade for each module upon completion.
The First 2 modules must be completed by April 15th
You MUST be completed with ALL modules by May 20thth. We will not have access to the website after this date.

7. What is a budget and why should you budget?
An estimate of income and spending
If you do not know how much you need/want to spend you could easily go into debt

8. A Little Fact
The average amount of debt held by people ages is $16,120
A lot of this debt starts in college with student loans
Be wise and budget! Do not let your expenses overwhelm you!

9. When You Budget… Think about Routine Expenses Vs. Non-Routine Expenses
Fixed Vs. Variable Expenses
Nondiscretionary Vs. Discretionary Expenses

10. Routine Vs. Non-Routine
*Routine Expenses
*Something you spend money on on a regular basis
*Think about these first!
*Include: Housing, debt, insurance, transportation, food, health care, and entertainment.
*Non-routine expenses
*Something that you do not spend
money on on a regular basis
*Think about things that could come up
*Could be “expected” or “unexpected”
*Such as Christmas gifts or car repairs
I would make this slide more similar to the Fixed vs. Variable
Nondiscretionary Vs. Discretionary

11. Fixed Vs. Variable Fixed – Stay the same Rent Car payments Mortgage
Monthly Loan Payments
Variable – Change from time period to time period
Food
Utilities
Entertainment

12. Nondiscretionary Vs. Discretionary
Nondiscretionary = Things you must buy or pay for (needs)
Food
Rent or mortgage
Car payments
Utilities
Discretionary = Things that can be avoided (wants)
Vacations
Entertainment
Designer Clothes

13. Assignment
You will have 4-5 minutes to classify the following items into routine, non-routine, fixed, variable, nondiscretionary, and discretionary by putting a checkmark under each appropriate box
We will do the first 2 together, then you will do the rest with a partner
Screenshot of the template here would be helpful…

15.
Available Balance
Check # Name of transaction/who? Money going IN
Date of transaction Money going OUT

16. Make Your Own Budget
For those expenses that do not apply to you, just draw a line through the box
For those expenses that you are not sure about, use the “Budgeting Approximations” sheet. For those not sure on there estimate, higher is better than lower.
If you want to so this on the computer, download the ‘Budget Worksheet’ from: Itslearning- Mark Finlay- Economics- Personal Finance folder to
I think formatting here would be helpful.
Can you borrow calculators for this? It might be easier.
I’m a little worried about clarity in directions here – could screenshot the template and use arrows as well?

17. Example
LEAVE BLANK!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! x x x

18. Bank Routing Number Bank Account Number Signature
Your Name & Address
Check Number
Who is the check for?
Amount in numbers
What is the check for?
(This is to remind YOU only & is optional)
Amount in words
Bank Routing Number Bank Account Number Signature