![]() Not only that, but when you write down what you plan to spend, you’re much more successful at actually sticking to it. Some adults can get away with it because they’ve been at this for decades. It's a critical part of teenage money management.Īnd what I like to call “mind budgeting”- trying to keep track of spending and when your next payday is in your head – is simply not going to work.įor starters, teens don’t have enough experience with budgeting to do mind budgeting. Except for my own, of course, because I made it precisely for teenagers! Best Teen Budget Worksheets SO, I'm choosing simple, colorful, and helpful free budget worksheets that will work well for teenagers (even if they were originally made for adults). Hint: there actually aren't that many teen budget worksheets out there, for free. So, let’s get started with these budgeting worksheets for high school students. They'll be able to see it clearly, with their own eyes, and you become less of the “bad guy”. ![]() Not only that, but if you have your teen sit down and write out a budget and spending plan, then the next time they are out of money or suffering through a money blunder – like anyone learning how to budget and manage money is going to experience – then you can calmly sit down with them and their budget worksheet and point out where their spending was a problem. Well, you can still ignore it…but it does become harder to do. When you see how much income you have coming in and how much spending and expenses you have going out, in black and white, you can no longer ignore the truth. To be honest? I’ve even experienced the “aha” moment myself. Note: I’ve updated the Excel file.I’ve seen it time and time again (it happens to kids and adults, too). While I teach programming using VPython (see this for example, but I’ll have to do a post about that sometime) you can do some very interesting things in Excel. Besides, it gave me a chance to do a little Visual Basic programming to keep my hand in. Yes, it’s a bit of overkill, but I though that, since I was going through the effort, I should probably do a reasonable job. The latter is set up so you (the teacher) can enter all the deposits and withdrawals the students make, and keep track of it all on the same page. One is the “Checkbook Register”, which is generic and each student should get one, and the other is called “Customer Balances”. The checks are numbered and have the student’s account number on them. If you flip to that sheet you can print out eight checks and five deposit slips, which should be enough to get you through the simulation. Once you’ve created an account the spreadsheet updates the “Checks and Deposit Slips” sheet with the student’s name and account number. The other two buttons let you delete the last account you entered, and reset the entire spreadsheet, respectively. ![]() The first, the “Add New Account” button, asks you to enter the student’s name and it assigns the student an account number, which is used on all the checks and deposit slips. The front sheet of the spreadsheet (called the “Bank Account” sheet) has three buttons. Excel program for running the Middle School Bank in the personal finance simulation. It’s really created for the class where students can come up to the bank individually, and the banker/teacher can enter their name and print out their checks as they open their account. To get students a little more familiar with personal finance, we’re doing a little bank account simulation, and I created a little Excel program to make things a little easier. As you can see, I'm creating an account for my student, Inigo Montoya. ![]() ![]()
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