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Content knowledge
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Students will be able to formulate linear equations for monthly budget expenses from job income, rent, transportation, utilities, internet/phone, groceries, and hobbies. - formulate
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- I can list the monthly categories for my budget (income from my job, rent, transportation, utilities, internet/phone, groceries, and hobbies) and assign a reasonable variable to each unknown cost
- I can write a simple linear equation in the form Expense = mx + b (or Income − Expense = 0) using my chosen monthly amounts and variables.
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- I can formulate a linear equation that models my monthly budget by combining income and all expense categories into one consistent expression with clear variables (like roommate splits, commute limits, or subscription costs)
- I can use the equation to show total monthly expense (or remaining monthly income) for my specific plan and explain what each part represents.
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- I can create a linear equation that represents both my income and expense sides and includes multiple dependent variables (such as roommate count, transportation option, and utility/internet choices) while keeping the model coherent
- I can substitute values to compute a monthly total and check that the equation matches the budget amounts in my table.
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- I can formulate and refine a linear budget equation that accurately captures how my monthly choices change totals, including updating coefficients and constants when curveball decisions (move-in fees, commute changes, or utility cost shifts) affect the monthly model
- I can use my equation to generate correct month-to-month totals in a table and justify how the structure of the equation supports realistic budgeting decisions.
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Skill
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Students will be able to calculate and compare total costs over 6 months, 12 months, 2 years, and 36 months for different budget plans. - calculate and compare
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- I can calculate total costs for a single budget plan for 6 months, using the monthly cost breakdown I chose (e.g., housing, transportation, phone/internet, groceries, utilities, and one hobby)
- I show my work with correct addition and a clear total for each month-span requested.
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- I can calculate and compare total costs for multiple budget plans across 6 and 12 months, using consistent monthly cost totals for each plan
- I include tables or organized calculations and clearly state which plan has the higher or lower total cost for each time span.
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- I can calculate and compare total costs for multiple budget plans for 6 months, 12 months, 2 years, and 36 months by extending my monthly model consistently across time
- I support comparisons using tables and/or graphs that show totals for each plan and explain the pattern I observe as time increases.
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- I can calculate and compare total costs for multiple budget plans over 6 months, 12 months, 2 years, and 36 months and justify which plan is most financially sustainable based on the totals
- I revise my calculations when curveball changes appear (like roommate splits, move-in fees, or utility changes) and present accurate, well-labeled multi-year comparisons with a clear conclusion.
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Content knowledge
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Students will be able to analyze the effect of fixed fees, monthly charges, and roommate cost-sharing on the affordability of housing and utilities. - analyze
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- I can identify fixed fees (one-time or constant charges) and monthly charges (recurring costs) in a housing/utilities scenario and describe how each type affects my total monthly cost using numbers and labels
- I can also list how roommate cost-sharing changes the per-person housing and utilities amounts.
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- I can build a simple linear model for housing and utilities that separates fixed fees from monthly charges and shows how roommate count (or roommate split) affects my monthly affordability
- I can calculate and compare at least two roommate/cost-sharing options to determine which option lowers my per-month cost the most and justify the change with evidence from my calculations.
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- I can analyze how different combinations of fixed fees, monthly charges, and roommate cost-sharing affect my monthly budget across multiple scenarios (e.g., different roommate splits and move-in fee assumptions)
- I can use tables and a linear equation to predict how changes in roommate count or monthly charges shift my total cost and affordability, explaining the trend in mathematical terms.
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- I can create and justify a refined linear equation and table that accurately represents fixed fees plus recurring monthly charges under roommate cost-sharing, then evaluate affordability using a “survival savings” lens
- I can compare my best option to a riskier one by quantifying long-term impact over time, and I can explain—using my model—why that decision makes housing and utilities more sustainable.
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Skill
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Students will be able to interpret curveball scenarios such as tires, down payments, illness, car accidents, and funeral costs to determine whether a budget remains viable. - interpret
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- I can read a curveball scenario (tires, illness, car accident, funeral cost, or down payment) and identify the new expense or payment it adds to my budget plan
- I can add that cost into my table and update my monthly and/or yearly totals using the given numbers.
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- I can interpret how a curveball scenario changes my budget by translating it into a specific cost, timing (one-time vs
- recurring), and financial impact on my income vs
- expenses
- I can update my linear equation model and show the new results in my table and quick graph.
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- I can evaluate whether my budget stays viable after a curveball by checking key conditions like remaining monthly cash (or savings contribution) and affordability across time
- I can use multi-year calculations to compare the original and revised budget and explain the outcome using both financial reasoning and the math behind my changes.
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- I can defend a sustainable response to multiple curveballs by revising my plan strategically (e.g., adjusting housing/roommates, transportation limits, utility or subscription choices, or savings goals) to keep the budget viable long-term
- I can justify my decisions with clear references to updated equations, graphs, and multi-year calculations, explaining how each revised choice protects needs, wants, and savings over time.
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Disposition
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Students will be able to justify budget decisions and revisions using evidence from calculations, tables, graphs, and peer feedback. - justify
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- I can describe my initial budget plan using my monthly linear equation and show the matching table values, naming at least one decision (like housing, transportation, or groceries) and how it affects the total cost.
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- I can justify my budget decisions by connecting specific equation variables to numbers in my table and quick graph, explaining how a choice (such as a roommate split or move-in fee) changes my monthly and yearly totals.
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- I can revise my budget using peer feedback and curveball cards, then justify the changes with evidence from updated calculations (including multi-year projections) and a clearer graph or table comparison of tradeoffs.
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- I can defend a final budget plan by synthesizing calculations, graph/table trends, and peer feedback into a well-supported argument that explains why each revised decision protects long-term savings while still meeting needs and wants.
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