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Carolina Living Budget

A realistic budgeting project for 8th-grade special education students based on North Carolina minimum wage ($7.25/hr) paid biweekly. Students analyze housing, utility, and phone options in Sanford, NC, balance a set grocery budget, and evaluate teen wants like cars and gaming.

KSKathleen Suther

Carolina Living Budget

A realistic budgeting project for 8th-grade special education students based on North Carolina minimum wage ($7.25/hr) paid biweekly. Students analyze housing, utility, and phone options in Sanford, NC, balance a set grocery budget, and evaluate teen wants like cars and gaming.

KSKathleen Suther

15GB data for music & social media.

Unlimited 5G

$60 / mo

Unlimited 5G data & mobile hotspot.

Math: [ Balance from Page 1 ] − [ Phone Plan ] =

New Balance:

$

6

Step 6: Choose Your Transportation in Sanford (Check 1 Box)

Transportation

Used Car

$350 / mo

Note ($180) + insurance ($100) + gas ($70).

Moped / Scooter

$80 / mo

No car note! Gas ($30) + repair ($50).

Bicycle & Walk

$0 (Free!)

Free rides with friends or ride your bike.

Math: [ Previous Balance ] − [ Transportation Cost ] =

New Balance:

$

7

Step 7: Middle School Wants (Check Any You Can Afford)

Optional Wants

Gaming Pass

$30

Sneakers

$70

Fast Food

$50

Math: [ Previous Balance ] − [ Total Wants (or $0) ] =

Final Balance:

$

8

Step 8: Final Monthly Balance & Reflection

Results

Final Monthly Cash Balance:

Total money left in your hands at month's end.

$

Your Result:

[ SURPLUS: Money Saved in Bank ] [ DEFICIT: Over Budget / Negative ]

Reflection Question: In Sanford, a 1-bedroom apartment is $800 and a car is $350 ($1,150 total). Your monthly pay at minimum wage is $1,160. Why can't a single worker afford both?

Carolina Living Budget Project • Sanford, NC Score: ______ / 20 Points

$350 every single month

Discussion 2: The Power of Roommates Smart Strategy

Teacher Prompt: “Compare a studio apartment in Sanford ($650 rent + $200 utilities = $850) with renting a room in a shared home ($400 rent + $100 split utilities = $500). That is a savings of $350 every month ($4,200 a year!). That savings is what allows a worker to buy a moped, save for an emergency, or afford gaming passes.”

Discussion 3: The Set Grocery Budget ($250) USDA Data

Teacher Prompt: “Why did we give you a set grocery budget of $250 ($62.50 per week)? If you eat fast food three times a day, you will spend over $600 a month on food alone! Learning to grocery shop and cook at home is one of the most powerful financial survival skills in the adult world.”

Differentiation Matrix for Mixed Ability Groups

Tier 1 (Intensive Support)

Guide through Preset Option A (Shared House $400 + Shared Util $100 + Food $250 + Basic Phone $30). Provide pre-printed number lines.

Tier 2 (Core SPED)

Student independently chooses from posters, checks arithmetic with calculator, and identifies whether their choices create a surplus or deficit.

Tier 3 (Extension / Challenge)

Calculate how many hours of overtime or what hourly wage (e.g., $12/hr or $15/hr) would be needed to comfortably afford a 1-bedroom apt AND a car.

Carolina Living Curriculum • Sanford, NC Consumer Math Instructional Guide

4. Real-World Written Reflection Explains why $1,150 for rent+car fails and articulates smart trade-offs. Provides partial explanation; needs verbal elaboration. ____ / 5

Total Score: _____ / 20 Points

Teacher Quick-Grading Cheat Sheet (Common Student Choices):

Choice: Studio + Car
Rent $650 + Util $200 + Food $250 + Phone $45 + Car $350 = $1,495.
Deficit: −$335.00

Choice: Shared + Moped
Rent $400 + Util $100 + Food $250 + Phone $30 + Moped $80 = $860.
Surplus: +$300.00

Choice: Shared + Bike
Rent $400 + Util $100 + Food $250 + Phone $30 + Bike $0 = $780.
Surplus: +$380.00

Sample IEP Progress Note: “Given a multi-step real-world consumer budget based on biweekly pay ($580) and NC minimum wage, student independently/with calculator calculated gross monthly income ($1,160) and subtracted sequential living expenses with [ ___ % ] accuracy, identifying whether their budget resulted in a surplus or deficit.”

Carolina Living Budget Project Rubric Lee County • Sanford, NC Consumer Math

Unlimited high-speed 5G data, mobile hotspot, and HD video streaming anywhere.

! Highest cost plan

Poster E: Transportation & Middle School Wants

Used Car Package

$350 / mo

• Monthly Car Note: $180

• NC Auto Insurance: $100

• Gas for Sanford driving: $70

TOTAL = $350 / month

Used Moped / Scooter

$80 / mo

• No car loan payment

• Gas for moped: $30/mo

• Basic maintenance: $50/mo

TOTAL = $80 / month

Bicycle & Walking

$0 / mo

• Free transportation!

• Bike to work or walk

• Ride with coworkers/family

TOTAL = $0 (100% Free)

Gaming & Pass

Xbox / PS Plus Online

$30/mo

Sneakers & Clothes

New kicks & shopping

$70/mo

Fast Food / Snacks

Burgers, soda & snacks

$50/mo

Budget Warning: You only have $1,160 total for the entire month on NC minimum wage! If your rent and car take all your money, you will not have enough to eat.

Potato Chips (Family) $4.00

Choc Chip Cookies $4.00

Ice Cream Tub $4.00

Bakery Muffins (4pk) $4.00

Granola Snack Bars $3.00

Apple Juice (64 oz) $3.00

Turn to Page 2 to plan your Breakfast, Lunch, and Dinner cart! Page 1 of 2 →

Your 1-Week Grocery Receipt

Build a balanced cart covering Breakfast, Lunch, and Dinner for 7 days.

Budget Limit: $62.50

• Breakfast Options:

Eggs, cereal, milk, waffles, oatmeal, bagels.

• Lunch Options:

Turkey, bread, PB&J, tuna, soup, cheese.

• Dinner Options:

Chicken, beef, rice, pasta, chili, veggies.

1

List Up to 10 Items for Your Weekly Food Cart

Must Cover Breakfast, Lunch & Dinner

1. ______________________

$

2. ______________________

$

3. ______________________

$

4. ______________________

$

5. ______________________

$

6. ______________________

$

7. ______________________

$

8. ______________________

$

9. ______________________

$

10. _____________________

$

2

Step 2: Add Up Your Cart & Check Your Budget

Calculator Friendly

Total Cost of All Items in Cart:

Cart Total:

$

Math: $62.50 (Budget) − [ Your Cart Total ] =

Remaining Change:

$

Cart Status:

[ UNDER BUDGET: Safe! ] [ OVER $62.50: Put Something Back! ]

3

Step 3: Connect 1 Week to 1 Month

4 Weeks = 1 Month

Week 1

$62.50

Week 2

$62.50

Week 3

$62.50

Week 4

$62.50

Skip Counting / Repeated Addition: $62.50 × 4 weeks = $250.00 Monthly Total

4

Grocery Real-Talk Reflection

A 12-pack of soda ($7) and a frozen pizza ($6) cost $13.00 together. What are 3 healthy staple foods from Page 1 you could buy for that same $13.00 to feed yourself all week?

Sanford Grocery Math Worksheet • Carolina Living Budget Score: ______ / 20 Points

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