Learning Enrichment Program

Personal financial literacy


Elementary grades 2-4, target of 3rd grade

Allignment with some of
texas education agency’s Texas essential
knowledge and skills (teks) for state of texas
assessments of academic readiness

Alternate 2 mathematics, 2-4th grades

The following Personal Financial Literacy TEKS are covered for 2-4th grades, involving the concepts of:

– Understanding the connections among Income, Expenses and Careers

– Managing Finances

– Determining Values of U.S. Coins and Dollar Bills

– Mathematical Process Standards of problem solving using monetary values

And in conjunction with the above concepts, the Unit will also include Enrichment Activities for building Character Strength and Positive Inner Emotions



Specific skills covered under “Understanding the Connections among Income, Expenses and Careers”


  • Define money when it is income and identify ways to earn income
  • Differentiate between money received as income and money received as gifts
  • Distinguish between wants and needs and identify income as a source to meet one’s wants and needs
  • Identify income as a means of obtaining goods and services, often times making choices between wants and needs
  • Distinguish between fixed and variable expenses

Specific skills covered under “Mathematical Process Standards of problem solving using monetary values”


  • Use mathematics to solve monetary math problems involving saving, spending, and giving
  • Using the decimal point to name the value of a collection of coins

Specific skills covered under “Managing Finances”


  • Define and distinguish between spending and saving
  • Define charitable giving
  • Calculate how money saved can accumulate into a larger amount over time
  • Distinguish between a deposit and a withdrawal
  • Identify examples of borrowing and distinguish between responsible and irresponsible borrowing
  • Define that credit is used when wants and needs exceed the ability to pay and that it is the borrower’s responsibility to pay it back to the lender, usually with interest
  • Define the benefit of a savings plan
  • Identify decisions involving income, spending, saving, using credit, and charitable giving
  • Calculate profit in a given situation, based on the cost of an item
  • Describe how to allocate a weekly allowance among spending, savings, and giving
  • Describe the basic purpose of financial institutions, including keeping money safe, borrowing money and lending

Specific skills covered under “Determining Values of Coins and Bills


  • Identify U.S. coins by name, including pennies, nickels, dimes, quarters and dollar bills, by value and describe the relationships among them
  • Write a number with the cent symbol to describe the value of a coin
  • Use relationships to count by twos, fives, and tens to determine the value of a collection of pennies, nickels, and/or dimes
  • Determine a collection of coins up to one dollar
  • Use the cent and dollar sign to name the value of a collection of coins
  • Determine the value of a collection of coins and dollar bills

Enrichment Activities that identify and promote:


Character Strengths

  • Considerate of other’s feelings
  • Being accepting of others’ differences
  • Being respectful and kind
  • Following rules and regulations for the well-being of others
  • Being a friend to someone


Positive Inner Emotions

  • Confident
  • Happy and Joyful
  • Appreciative
  • Determination, based on goal setting
  • Creative
  • Leadership in the mist of negativity from others



A. Brightly illustrated children’s book “Miss Money Honey and the Riddle” Author Becky Page and Published October 2019 by Brown Books Kids;
Interest Level K-4; Guided Reading Level M; Lexile Reading Level 660L (2-4 grades, with 3rd grade as target readers) – With Label inside front cover with Sponsor’s Logo

– One book per third grade student, to take home after Unit is completed

– One book and one plush toy per third grade teacher


B. One paper copy of Skit Script that follows the story of book, for classroom participation/role-playing, copyright Miss Money Honey Consulting, LLC


C. One paper copy of the Musical paper score and one digital recording for cellular usage/learning, of “Miss Money Honey Bee” song, Music and Lyrics by Composer/Lyricist/Producer Mark York, copyright Miss Money Honey Consulting, LLC


D. One paper copy of Study Guide per Teacher, with up to two hours of In-service training for all third grade teachers at same time, copyright Miss Money Honey Consulting, LLC


E.Twelve Lesson Plans Masters, with targeted TEKS specified, copyright Miss Money Honey Consulting, LLC

Interested in Purchasing a Learning Unit
for your classroom or school program?
Contact us below:


The “A” items are to be determined by number of third grade students and number of third grade Teachers involved:  All “A” items will have Sponsor’s label on them.

One brightly illustrated Children’s book:  Cost is 40% off $16.99 retail price = $10.19 per book.  Therefore, Number of third grade Students X $10.19

Book and Miss Money Honey Plush Toy per third grade Teacher:  Cost is wholesale price of 40% off $24.99 retail price = $14.99.  Therefore, Number of Third Grade Teachers X $14.99


(Additional: Plus Shipping and Handling fees – to be determined)

(Additional: Cost for Sponsor’s label on items – Printing and Labor to be determined)


For Items “B, C, D, E”:  Total cost:  $1,000 per Elementary School  (These items may be duplicated or digitally shared)

Optional Item:  Guest Appearance of the Author Becky Page or character Miss Money Honey

$500 for two hour minimum, based on availability; plus travel expenses if applicable