3.9.F

Math3rd Grade

The Standard

identify decisions involving income, spending, saving, credit, and charitable giving

Texas Essential Knowledge and Skills for Mathematics

Teacher's field guide

What Students Need to Do: Students examine everyday money choices and name what is happening with the money. They tell whether money is earned, used now, kept for later, borrowed, or donated.
What Mastery Looks Like: Students correctly classify choices in short money scenarios. They explain that credit must be repaid and distinguish keeping money for later from giving it away.
Common Misconceptions: Students may think income means any money they already have. They may treat credit as free money or confuse saving with charitable giving because neither buys an item right away.
How to Assess It: Give this exit ticket: Mia earns $8 for yard work, buys a book, saves $2, borrows for shoes, and donates $1. Label each choice and circle the one requiring repayment.

Lesson moves

Give pairs five labeled jars and money-choice cards, then have them place each card in a jar and explain their choice.
Have students write how they would use $20 among buying something, keeping money for later, and helping a charity.
Play Money Choice Bingo by reading scenarios while students cover the matching income, purchase, savings, borrowing, or donation square.
Create a class budget for a pretend bake sale, including money earned, supply costs, savings, borrowing, and a donation.

Keep exploring

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