Money Trail Notes Worksheet The Money Trail
Unit 3: Personal Budgeting & Expenditure
Name: __________________________________
Date: ___________________________________
Essential Concept: Average Monthly Expenditure
Why track expenditures?
To create an accurate budget, you first need to know where your money goes. We look at past expenditures to find an average . This helps us predict future costs.
The Formula
Total Expenses ÷ Months = Avg
Key Categories
Fixed: Same every month (Rent)
Variable: Changes monthly (Gas)
Annual: Once a year (Insurance)
Activity: The Station Hunt
Grab your Money Trail Hunt Sheet . Move to the stations around the room. You have 15 minutes to find all the receipts and calculate your averages!
Independent Practice 1: The Groceries Ledger
Alex tracked grocery spending for the first quarter of the year. Calculate the average monthly expenditure for this category.
Jan $342.50
Feb $298.15
Mar $315.40
Show your work:
Final Average:
Independent Practice 2: Annualized Expenses
Car insurance is paid in one lump sum of $1,440.00 per year. To budget for this correctly, how much should be set aside as a monthly average?
Show your work:
Monthly Allocation:
Money Trail Slides pill TRACKING THE TRAIL
Unit 3: Lesson 1 - Expenditure Analysis
Kinesthetic Learning Lab
The Money Trail Hunt
Money isn't static. It flows every single day. Today, you won't just sit—you will HUNT for data.
Walk to 4 Stations
Record 3 Months of Receipts
Calculate the Average Expenditure
Starting the Career Blueprint
By the end of this unit, you will present a professional budget for a specific career path .
Required Research:
Annual Starting Salary
Education/Degree Required
Cost of Living (Location)
"What do you want to be?"
Start thinking about a job you are genuinely interested in. Tomorrow, we begin the data collection phase.
Average Review
Sum ÷ Count = Average
Round your answers to the nearest cent! ($0.00)
Money Trail Hunt Sheet The Money Trail Hunt
Unit 3: Lesson 1 Activity Sheet
Your Mission: Move around the room to find the 4 data stations. Record the costs and calculate the monthly averages below.
STATION A: TRANSPORT
<table class="w-full text-xs mb-3"><tbody><tr class="border-b"><td class="py-1.5 font-bold text-slate-400 uppercase text-[9px]">Month 1</td><td class="text-right font-mono">$ __________</td></tr><tr class="border-b"><td class="py-1.5 font-bold text-slate-400 uppercase text-[9px]">Month 2</td><td class="text-right font-mono">$ __________</td></tr><tr class="border-b"><td class="py-1.5 font-bold text-slate-400 uppercase text-[9px]">Month 3</td><td class="text-right font-mono">$ __________</td></tr></tbody></table>
AVG: $ _________
STATION B: GROCERIES
<table class="w-full text-xs mb-3"><tbody><tr class="border-b"><td class="py-1.5 font-bold text-slate-400 uppercase text-[9px]">Month 1</td><td class="text-right font-mono">$ __________</td></tr><tr class="border-b"><td class="py-1.5 font-bold text-slate-400 uppercase text-[9px]">Month 2</td><td class="text-right font-mono">$ __________</td></tr><tr class="border-b"><td class="py-1.5 font-bold text-slate-400 uppercase text-[9px]">Month 3</td><td class="text-right font-mono">$ __________</td></tr></tbody></table>
AVG: $ _________
STATION C: UTILITIES
<table class="w-full text-xs mb-3"><tbody><tr class="border-b"><td class="py-1.5 font-bold text-slate-400 uppercase text-[9px]">Month 1</td><td class="text-right font-mono">$ __________</td></tr><tr class="border-b"><td class="py-1.5 font-bold text-slate-400 uppercase text-[9px]">Month 2</td><td class="text-right font-mono">$ __________</td></tr><tr class="border-b"><td class="py-1.5 font-bold text-slate-400 uppercase text-[9px]">Month 3</td><td class="text-right font-mono">$ __________</td></tr></tbody></table>
AVG: $ _________
STATION D: DINING OUT
<table class="w-full text-xs mb-3"><tbody><tr class="border-b"><td class="py-1.5 font-bold text-slate-400 uppercase text-[9px]">Month 1</td><td class="text-right font-mono">$ __________</td></tr><tr class="border-b"><td class="py-1.5 font-bold text-slate-400 uppercase text-[9px]">Month 2</td><td class="text-right font-mono">$ __________</td></tr><tr class="border-b"><td class="py-1.5 font-bold text-slate-400 uppercase text-[9px]">Month 3</td><td class="text-right font-mono">$ __________</td></tr></tbody></table>
AVG: $ _________
THE REALITY CHECK: ANALYSIS
Question 1:
Which category had the widest range between the highest and lowest month? Why do you think that specific category fluctuates so much in the real world?
Question 2:
If you only looked at the "Lowest Month" for Station C (Utilities) to make your budget, what real-world financial disaster might happen in a high-usage month?
Budget Balance Sheet The Master Plan
Lesson 2: Budgeting Simulation
Name: _______________________
Real-World Activity: The Choice Bazaar
Walk to each station around the room. Record your lifestyle choices below. Starting Net Income: $3,200.00
1. Housing Selection
$ _________
2. Transportation Selection
$ _________
3. Grocery Selection
$ _________
Part B: The Budget Sheet
Complete your budget sheet based on your choices and the fixed averages below:
Electricity: $90.00
Car Insurance: $120.00
Savings (10%): $320.00
Entertainment: $200.00
Budget Category Monthly Amount Housing (Your Choice) $ __________ Transportation (Your Choice) $ __________ Groceries (Your Choice) $ __________ Electricity Bill (Fixed Avg) $ 90.00 Car Insurance $ 120.00 Entertainment $ 200.00 Savings (10%) $ 320.00 Total Expenditures $ __________
The Balance Check
Starting Income ($3,200) - Total Expenditures = Net Balance
$ __________
SURPLUS or DEFICIT?
Choice Bazaar Station Signs The Choice Bazaar
Lesson 2: Simulation Stations
Visit each station around the room. Select ONE lifestyle option per category and record the cost on your Budget Balance Sheet.
1
Housing Station
Select Your Living Space
The Studio
Private solo living in the suburbs. Quiet and independent.
$950/mo
Most Practical
City Loft
Roommate Shared
Downtown space split with 2 others. Prime urban location.
$750/mo
Luxury Suite
Private solo living in city center. High-end amenities & security.
$1,600/mo
2
Transportation
Select Your Commute
Transit Pass
Monthly pass for all city buses and commuter rail lines.
$90/mo
Low Maintenance
Used Reliable
2018 Sedan (Paid Off)
Costs include Gas & Insurance only. High flexibility.
$280/mo
New Electric
Brand new lease. Full warranty, safety tech, no gas costs.
$540/mo
3
Grocery Plan
Select Your Food Budget
Budget Shop
Bulk buying and store brands. Maximum thriftiness.
$300/mo
Balanced Choice
Quality Mix
Standard Name Brands
Mix of local produce and reliable brand names.
$450/mo
Organic Chef
All organic, premium butcher, and local farmers market.
$700/mo
Career Blueprint Project Guide Career Blueprint
Unit 3 Summative Project: The Professional Budget
Your Mission: You are about to enter the workforce! In this project, you will research a dream career, find its realistic starting salary, and build a comprehensive monthly budget based on that income. You will then present your findings using professional technology.
Standards: BMH 9.2, 10.4 Due Date: Day 8
1
Phase 1: Research & Statistics
Chosen Career Title:
Starting Annual Salary (National Avg):
Education/Certification Required:
Research Tips:
Use the Bureau of Labor Statistics (BLS.gov) for salary data.
Find the "Net Income" by subtracting 20% from the salary for taxes.
Research the average cost of living in a city where this job is common.
2
Phase 2: Monthly Projections
Calculate your monthly figures below. These numbers MUST appear in your final slideshow.
Annual Gross
$ __________
Annual Net (Gross × 0.8)
$ __________
Monthly Net (Net ÷ 12)
$ __________
Monthly Expense Estimates
Rent (Max 30% Net):
$ __________
Utilities/Internet:
$ __________
Food/Groceries:
$ __________
Transportation:
$ __________
Insurance/Medical:
$ __________
Savings & Misc:
$ __________
3
Phase 3: Slideshow Outline
Slide 1
Title Slide: Job Title, Your Name, and a relevant professional image.
Slide 2
The Career: Description of daily tasks and educational path required.
Slide 3
Income Analysis: Show the Gross vs. Net calculation math.
Slide 4
The Budget Table: Clear breakdown of all monthly categories.
Slide 5
Visual Data: A Pie Chart or Bar Graph showing spending percentages.
Slide 6
Conclusion: Reflect on if this career supports your desired lifestyle.
Presentation Expectations
Aim for 3-4 minutes in length.
Speak clearly and maintain eye contact.
Be prepared to answer 1-2 questions from the audience.
Budget Master Rubric Budget Master Rubric
Career Blueprint Project Grading Scale
Criteria Exemplary (10) Proficient (8) Developing (6) Beginning (4) Research & Career Detail Detailed educational path and accurate BLS salary data. Includes basic job info and salary data. Minimal research; missing sources. No research or incorrect data. Mathematical Accuracy All calculations are 100% correct. Minor calculation errors (1-2). Major mathematical errors. Math is missing or illogical. Budget Analysis Covers all categories; deep lifestyle reflection. Covers main categories; basic reflection. Categories are incomplete. No budget presented. Tech & Composition Professional, engaging, includes charts. No typos. Clean and organized; all required slides. Messy or missing slides. Typos. Minimal effort or paper-only. Oral Skills & Delivery Eye contact, clear voice, handles questions well. Good delivery; relies slightly on slides. Mostly reading slides; hard to hear. Unprepared or refused to present.
Total Score: _____ / 50
Teacher Signature: _______________________
Professionalism • Accuracy • Communication • Technology
Bottom Line Assessment Bottom Line Assessment
Unit 3: Budgeting & Expenditure Analysis
Name: __________________________
Score: ________ / 25
Part 1: Concepts (5 Points)
Match the following terms to their definitions:
1. _____ Expenditure
2. _____ Fixed Expense
3. _____ Variable Expense
4. _____ Net Income
5. _____ Variance
A. An amount of money that changes from month to month.
B. The difference between budgeted and actual amounts.
C. The total amount of money actually spent.
D. An expense that stays the same every month.
E. Your "take-home" pay after taxes are removed.
Part 2: Expenditure Calculation (10 Points)
6. Jordan's cell phone bill for the last 4 months was $82, $95, $104, and $88. Calculate the average monthly expenditure. (5 Points)
Answer: $ _______________
7. An annual car registration fee is $360. What is the monthly average that should be budgeted for this expense? (5 Points)
Answer: $ _______________
Part 3: Variance Analysis (10 Points)
Below is a partial budget sheet. Complete the "Variance" column and answer the question below. (Hint: Under budget = Positive; Over budget = Negative)
Category Budgeted Actual Variance (+/-) Housing $1,200.00 $1,200.00 ___________ Dining Out $150.00 $212.45 ___________ Electricity $90.00 $74.15 ___________
8. Analytical Response:
Explain why a "positive" variance in an expense category is generally considered a good thing for a budget, while a "negative" variance might require a lifestyle adjustment.
Financial Curveball Cards Financial Curveballs
Real-World Budget Stress Test
CRISIS
Car Repair
Your transmission failed. Repair cost is $800 over your budget.
"Where will this $800 come from?"
BONUS
Work Bonus
Great job! You received a one-time cash bonus of $500 (Net).
"Save it or spend it?"
CHANGE
Rent Hike
Landlord increased your monthly rent by $125 starting next month.
"What lifestyle category gets cut?"
EXPENSE
Wedding
Attending a destination wedding. Travel and gifts total $300 .
"Use savings or fun money?"
CRISIS
Phone Repair
Shattered screen! A replacement or repair costs $450 .
"Emergency fund time!"
REFUND
Tax Refund
Government owes you! You received a tax refund of $1,200 .
"Major boost to your savings!"
UTILITY
Heat Wave
Electricity bill doubles due to A/C usage. Pay $100 extra .
"How does this affect balance?"
EXPENSE
Food Surge
Supply chain issues cause grocery prices to spike. Pay $150 extra .
"Can you cut dining out?"
Cut out these 8 cards to 'stress test' student budgets.
Presentation Pro Slides SHOWTIME
Career Blueprint Presentations
Unit 3 Final: Standard 10.4
Audience Expectations
Active Listening
• Laptops closed unless presenting.
• Eyes on the speaker.
• No side conversations.
Peer Feedback
Be prepared to ask constructive questions at the end of each pitch.
"What was the most surprising expense you researched?"
Before You Step Up...
Is your tech ready?
Are your calculations clear?
Stand tall, speak loud.
You've got this!