A group of military affiliated youth recently wrapped up a six-week session of lessons about saving, spending, earning, and the value of a dollar, and their time. Following the Reading Makes Cents 4-H Afterschool Curriculum Guide, participants were able to inspect the hidden secrets of a dollar, learn about saving and spending, needs and wants, and budgeting and sharing (donating to those in need).

Each meeting was started with reading aloud a picture centered on the lessons for the day. The kids had a great time examining needs and wants through a fun experiential game where they decide what is actually necessary to spend money on. They ‘earned’ a week of minimum wage, and then were able to ‘shop’ some catalogs with prices listed – their money was more carefully spent when they considered the time it had taken them to earn it! They brainstormed options available for them to earn money (yard sale of their old toys, lemonade stands, chores for people), as well as ways they can give back to the community with their time instead of giving money.

The stories The Hard Times Jar and If You Made a Million were the clear favorites. A visit from a Navy Federal Credit Union representative helped them explore credit and investments through age-appropriate games and rounded out the experience by providing families with information on the options available through the bank for military affiliated youth. To round out the experience with some real living history, the participants visited Boston, visiting the USS Constitution (the oldest commissioned ship in the Navy) and the Paul Revere house, ‘paying’ for their trip with tokens earned at the classes for attendance and good behavior. Overall, the experience will hopefully produce some great financially wise futures!

Article and photo: Pamela Gray