Angel Hill

Professor Lovitt

TEL 311

Standards: C12H24-17: Explain how saving and investing contribute to financial well-being,
building wealth, and helping meet personal financial goals.

C12H24-9: Using research from local sources (such as cost of living calculators, newspapers,
chambers of commerce, local government, and company websites), create a monthly personal
budget that reflects household living expenses, taxes, potential savings, and an emergency fund.

Overarching Essential Question: How can I create a life that is financially sustainable?

Financial Sustainability Project Narrative

Day 1 Day 2 Day 3 Day 4 Day 5

Standards & Standards & Standards & Standards & Standards &
Learning Learning Learning Learning Learning
Objective(s) Objective(s) Objective(s) Objective(s) Objective(s)
Standards: C12H24-9, Standards: C12H24- Standards: C12H24- Standards: C12H24- Standards: C12H24-9,
C12H24-17 9, C12H24-17 9, C12H24-17 9, C12H24-17 C12H24-17
Learning Objective(s): Learning Learning Learning Learning Objective(s):
Students will Objective(s): Objective(s): Objective(s): Students will
actively Essential Question Students will be Students will be reflect on their
participate in a for Student able to explain able to create a personal wants in
discussion that direction: How the disparity of general monthly life that include
outlines their can an expert on income and budget based off choice of spouse,
project. financial provide an their income of kids, and personal
Essential Question for sustainability explanation for their dream job spending habits.
Student direction: reshape or the supply and and evaluate the Essential Question for
How can I create emphasize my demand for discrepancies Student direction:
a life that is idea on financial certain careers. that may occur How might my
financially sustainability? Essential Question throughout the living style affect
sustainable? for Student month that may my financial
direction: How change their position in life?
does supply and budget.
demand affect Essential Question
the job market for Student
and the disparity direction: How
in their can I create a
incomes? budget that
supports
financial
stability?

Learning Learning Learning Learning Learning

Activities Activities Activities Activities Activities
Students will engage Students will actively Students will watch Students will watch a Students will watch a
in a more-lecture engage in a quick video going budget video and ask barrage of videos that
heavy discussion that conversation with the over the supply and preliminary covers: Personal
outlines projects financial supervisor demand for certain questions. Then, spending habits, and
guidelines. Students for ASU MLFTC jobs and how that students will how spouses and kids
will then answer the (Jeff), and propose affects income. participate in an play a role in finances.
essential question questions they have Students will take opening activity Students will then be
prior to learning in the for him. Students will this into account where they will work in groups to discuss
unit on a handout that take guided notes when researching together as a class to and reflect on their
has the project throughout the their dream job and come up with general personal spending
overview. Lastly, discussion to remain their average monthly bills and the habits and quantify a
students will design on task and construct income. This will average cost of them. general amount of how
an online portfolio a graphic organizer then add this to their Then throughout the many kids they would
where they will add that embodies the portfolio. class, they will refer like if any, and if they
parts of their project points that they will to their income that would like a partner
as they complete it. use to design their they found the day (would they work?). In
project. prior and create a addition, add personal
Direct Instruction Student Centered monthly budget. This expenses that account
Direct Instruction. Activities/Inquiry- budget will then be for your spending
Based Learning added to their habits to the budget
portfolio. they made yesterday.
They will then add this
Differentiation, personal information
Student-Centered to a new page in their
Learning portfolio.

Differentiation,
Student-Centered
Learning
Assessment Assessment Assessment Assessment Assessment
Students will come up Students will fill out Students will add to Students will be able After reflecting on
with any questions an exit ticket that their portfolio to assess any their personal
they have before lists three things they answers to the challenges that may spending habits,
leaving the day and learned from the following questions: occur after they amount of kids desired
ask me them before guest speaker that Is the demand for my complete their in life, and if they
they leave so we can will help them be dream job high? Will budget. They will desire a partner in life
get a head start on the financially stable and this affect my then answer the to help finances,
project tomorrow. how each would play financial stability? If following reflective students will reflect on
a role in their project. so, what are possible questions on the same this and add any
ways I may be able page of their possible obstacles they
to work around this? portfolio: What may encounter in
challenges may occur finances. Is there any
that will offer personal spending
roadblocks to habits they would like
financial to correct?
sustainability? Will
my choice in career
require a partner to
assist financially?
How might the role
of having kids affect
this decision?
Technology Technology Technology Technology Technology
Students will Most likely just an Students will be Video, Budget Tool, Videos and Online
formulate their online survey on how actively researching and their Online Portfolio will be used.
questions on a website the guest speaker’s for their dream Portfolio will be
that pops their presentation went job/income as well used.
questions up on the and their evaluation. as using and
board anonymously. Aside from this, this updating their online
In addition, they will will be a technology portfolio.
construct an online free day.
portfolio to add their
project content as they
complete it.

Day 6 Day 7 Day 8 Day 9 Day 10

Standards & Standards & Standards & Standards & Standards &
Learning Learning Learning Learning Learning
Objective(s) Objective(s) Objective(s) Objective(s) Objective(s)
Standards: C12H24-9, Standards: C12H24- Standards: C12H24- Standards: C12H24-9, Standards: C12H24-9,
C12H24-17 9, C12H24-17 9, C12H24-17 C12H24-17 C12H24-17
Learning Objective(s): Learning Learning Learning Objective(s): Learning Objective(s):
Students will be Objective(s): Objective(s): Students will Students will be
able to discern the Students will Students will present their participating
difference learn how to use the items final within the
between interest invest in their from their project/product classroom
rates that are future and portfolio to to the class. reflecting on the
good/bad and examine savings design a Essential Question for feedback received
learn what credit options to presentation that Student by their peers
options are determine which offers a direction: How during their
available to them. is best for them. comprehensive can I present my presentation.
Essential Question for Essential Question answer to the ideas for the Essential Question for
Student direction: for Student overarching Financial Student direction:
How does credit direction: How essential Sustainability How can I modify
affect financial can I invest in question. project to my my final product
sustainability and the future and Essential Question group and to accommodate
how can I avoid how does saving for Student prepare myself the changes I
bad credit. money support direction: How for any questions should make
financial can I create a they may have? based on the
sustainability? life that is feedback I
financially received from my
sustainable? peers?

Learning Learning Learning Learning Learning

Activities Activities Activities Activities Activities
Students will watch Students will look at Students will use Students will actively Students will use their
videos of common their budget and their knowledge so listen to their peers’ feedback from
obstacles faced with reflect on whether far to create a feedback and yesterday to modify
credit with college they left room for presentation that construct feedback their projects
students concerning savings. This will encompasses the for their peers that accordingly. Lastly,
high interest rates as then branch off into meaning of the help them positively they will develop a
well as receive videos detailing the overarching essential modify their project. video in class that will
information about importance of question that caters reflect on their process
credit in general. emergency to their career Cooperative Learning throughout the project
Students will then funds/savings. They choice, desired and how their ideas
engage in a group will then have a household size, have changed since
work activity that chance to browse credit analysis, their initial response
involves an online that websites to come up savings options, and on day one.
they will adjust with with an idea of the possible investments
sliders in order to find home they would like in the future.
what affects credit the to live in, their ideal Students will add
most. They will then car, and other this to their online Cooperative Learning,
report their findings to possible big portfolio and be
the class and as a expenses. They will ready to present this
class, we will come up add this to their information
with a comprehensive portfolio detailing the tomorrow to a group
list of factors that average costs of of 4 students.
contribute to their those items and
credit score. They will construct the priority Student-Centered
then add this to their in which they plan to Learning, Proximity
portfolio. get them and write
goals on how to
Student-Centered reach them! They
Learning will then have a
chance to modify
their budget to
include savings.
They will then add a
page to reflect on
what they had to
change about their
spending
habits/budget in
order to help invest
in their future.
Lastly, retirement
funds will be covered
towards the end and
have a student led
discussion on how
important retirement
is and how dire the
need is to invest in
their retirement.

Student-Centered
Learning

Assessment Assessment Assessment Assessment Assessment

Students will fill out Students will fill out Students will come Students will take Students will submit
an exit ticket that an exit ticket that up with at least 3 notes on their peers’ their modified final
acknowledges the quizzes them on the possible questions feedback and come project for grading.
factors that have high topics learned this they may receive and back to class with a This will act as the
impact on credit, low far. The quiz will be their responses to modified project by summative assessment
impact, and those that given as a real-life those questions. This the end of day 10. for this project.
have a normal impact scenario and how is in effort to prepare
on credit scores. In they will apply their them for questions.
addition, it will test knowledge of Students will turn
 their knowledge of budgets, personal this in for their exit
interest rates and what spending habits, their ticket.
optimal interest rates household size,
look like when getting savings, credit, and
a credit card. retirement funds to
answer how the
person in the
scenario can set
themselves up for
financial success.
Technology Technology Technology Technology Technology
Online Portfolio and Students will use Presentation and Presentation access Students will use their
websites of credit technology to browse Portfolio will be and portfolio. online portfolio, their
bureaus of common the web for desired done digitally. notes they may have
questions and an savings goals and taken if digitally and
overview of credit. also to modify their FlipGrid for video
We will also use a online portfolio. submission.
credit website with a
sample credit score
and sliders that are
adjustable to test
certain situations
(problems they will
work out in groups) to
find what factors
impact credit scores
more.

Sustaining The Project and Innovation

Technology

The only required technology in this project is a device to keep an online portfolio. This

can range from the cell phone they use to their school computer. Most schools right now have

school laptops or iPads, so they will be able use their school computer for the duration of the

project to upkeep with the online portfolio. The limited technology in this project helps equitable

situations as everyone in most high schools provide a school laptop as well. My role in the

technology part of the classroom is to use proximity to make sure the students remain on task

and facilitate the project to see it to its eventual success!

After Proposal Period

 After the proposal period of the project with my students, they can eventually implement

their plan to be financially sustainable in their own lives. With these tools they learned, they have

what it takes to be smart with their money and should be prepared for the eventual financial

obstacles. I would encourage community members and others to also implement this project with

people they see struggle financially to see improvements for them.

Innovation

This project allows students to take control of their learning in an exciting format where

they drive their learning based off their personal preferences. Everything in this project deals

with student interests and is very relevant to them. Thus, making the project that much more

engaging and the content they learned each day that much richer. As each day allows a form of

reflection, their ideas of what it means to be financially sustainable constantly changes with each

new concept introduced. Throughout this process, students will encounter questions and

formulate answers that combat financial hardships and with this knowledge, they enable

themselves to become their own financial experts. This overall brings a whole new learning and

transforms the class of personal finance into something more personable. This project would

transform my teaching into a more student-driven one as my life is not the center of this project

—its theirs.