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GRADES 3 5 Goods Student Workbook CHOOSING WITH MOOLAH THE MOOSE Course Concepts opportunity cost market economy producer vs consumer recycling protecting personal information

3C This book belongs to EV SA E R M G PL R E EE N TABLE OF CONTENTS Meet Moolah 3 Moolah Visits the Farmer s Market 4 Producers and Consumers Buying Local Needs vs Wants Moolah Saves Money 12 Budgeting Making Purchase Decisions Calculating Discounts Moolah Goes to the Credit Union 24 Keeping Your Money Safe Benefits of a Credit Union Moolah Recycles 28 The Importance of Recycling CU Practice Additional Activities 32 Glossary 42 2 Copyright 2022 Reseda Group LLC Ever Green 3C LLC Licensee

MEET MOOLAH AND PENNY EV SA E R M G PL R E EE N 3C The Ever Green 3C Forest is full of friendly helpers Look there s Penny the Owl and Moolah the Moose They re here to help you learn about the importance of saving money 3

MOOLAH VISITS THE FARMER S MARKET EV SA E R M G PL R E EE N Hi Penny Nice to see you today what brings you to the farmers market 3C On a sunny Sunday morning Moolah the Moose was strolling through the Flowerville Farmers Market when they ran into their friend Penny the Owl Penny and Moolah talk for a while and then walk around the market to see what items people are selling Hi Moolah I m out shopping for fresh fruits and vegetables 4

MOOLAH VISITS THE FARMER S MARKET EV SA E R M G PL R E EE N 3C Moolah and Penny come across Farmer Fran s stand She s selling milk bread fruits and vegetables Wow this food looks good said Penny Penny tells Moolah that by purchasing items from local producers1 like Farmer Fran they help to strengthen the Flowerville economy2 It would be great if you bought your fruit from this farmer She is a producer that serves our local economy Good morning I m selling items produced locally at my farm that s just outside of town can I help you find anything Yes I m looking to buy some fruit to enjoy during a picnic later 5

MOOLAH VISITS THE FARMER S MARKET 3C Farmer Fran tells Penny and Moolah about the natural resources3 found around Flowerville that she uses to produce the items she sells EV SA E R M G PL R E EE N When you buy items from me I use some of the money to buy grain and hay for my animals In doing so I support other local businesses and I can continue producing items to sell at the Flowerville Farmers Market 6

MOOLAH VISITS THE FARMER S MARKET 3C Farmer Fran explains that pineapples don t typically grow in Flowerville which makes them a scarcity4 Oh wow Penny says so that means you have a limited supply of pineapple to sell Moolah then asks So if producers sell goods and services what do we call people that buy goods and services Great question Moolah We call those people consumers5 N What kind of fruit are you looking for EV SA E R M G PL R E EE Hmmm pineapple sounds tasty Unfortunately lots of people wanted pineapple this morning and I m all sold out 7

ACTIVITY PRODUCE IN REGIONS OF THE U S EV SA E R M G PL R E EE N 3C Directions Look at each image below and determine which region of the country you live in to answer the question below Which fruits and vegetables grow in your region of the country 8

MOOLAH VISITS THE FARMER S MARKET N 3C Farmer Fran tells Penny and Moolah which fruits and vegetables are grown in Flowerville MI and which are grown in other parts of the country Penny and Moolah are excited to learn that apples and cherries are grown in Michigan where they live They are also surprised to find out that bananas are shipped in from another area EV SA E R M G PL R E EE Wow this is great information Let s be sure to buy fruits and vegetables that are grown here in Flowerville so we can support our local businesses Great idea We ll take four apples and one bag of cherries please 9

MOOLAH VISITS THE FARMER S MARKET N 3C Sure EV SA E R M G PL R E EE I m thinking about buying a new football from Flowerville Sporting Goods Would you like to come with me to pick one out After their purchase they discuss the differences between a need6 and a want7 It s important to know the difference so we can afford the things we need like water and food but also some of the things we want like footballs and other toys says Moolah Penny begins pointing out different items and Moolah determines if each item is a need or a want 10

ACTIVITY NEEDS VS WANTS EV SA E R M G PL R E EE N 3C Directions Look at each image below and determine if it s a need or a want Circle the correct answer below each picture Groceries Car Want Need Want Need Video Games Candy Want Need Want Need Book Jacket Want Need Want Need 11

EV SA E R M G PL R E EE N 3C Flowerville Sporting Goods MOOLAH SAVES MONEY Moolah and Penny arrive at the store and find their way to the ball aisle to review the options Do you have a budget8 Penny asks Yes says Moolah I don t want to spend more than 15 00 but it would be great if I spent less 12

EV SA E R M G PL R E EE N 3C MOOLAH SAVES MONEY There are three footballs within Moolah s budget To help make a decision Moolah makes a list of the different options Football 1 Football 2 Football 3 New or Used New Recycled used New Price 13 10 15 Size Small Medium Medium Color Purple Green Brown Moolah and Penny review the list It looks like football 2 is recycled9 what does that mean Moolah asks Great question Penny says when an item is recycled it means that it is repurposed or used People can recycle items like this football or materials like paper and glass 13

MOOLAH SAVES MONEY EV SA E R M G PL R E EE N 3C The previous owner of this football no longer wanted it so they brought it to Flowerville Sporting Goods for someone else to purchase it Penny explained if the previous owner didn t bring the football here they may have put it in the garbage From there the football would be sent to a landfill to waste away Additionally Penny tells Moolah that if the previous owner didn t recycle the football Moolah would have to purchase a brand new football which takes energy and resources to produce Ultimately recycling helps to reduce waste in landfills and it saves our planet s resources Everyday items that can be recycled are shown below 14

ACTIVITY RECYCLABLE VS NON RECYCLABLE Computer Keyboard EV SA E R M G PL R E EE Pizza Boxes N 3C Directions Look at each image below and determine if it s recyclable or non recyclable Circle the correct answer below each picture Recyclable Non recyclable Recyclable Non recyclable Plastic Bags Aluminum Cans Recyclable Non recyclable Recyclable Non recyclable Light Bulbs Food Waste Recyclable Non recyclable Recyclable Non recyclable 15

MOOLAH SAVES MONEY EV SA E R M G PL R E EE N 3C Which football do you like Penny asks Football 2 seems like a great option because it s medium sized green and under budget says Moolah I think that s a great decision Penny says Not only will you save a little money but you re also purchasing a recycled item which helps keep our planet healthy 16

ACTIVITY MAKING PURCHASE DECISIONS Directions Below are some of the factors that Moolah considered when purchasing the football Rank these factors in order of importance with 1 being most important and 4 being least important Factors for Purchasing Football 3C Importance Price of football N New or used football EV SA E R M G PL R E EE Color of football Size of football Directions Think of a decision you ve made in your life What factors did you take into consideration to help you make your decision 17

MOOLAH SAVES MONEY EV SA E R M G PL R E EE N MOBILE APP 3C Accounts 07 SAVINGS 31 00 Available Balance R Statements Deposit On the way to the cash register Moolah logs into their Credit Union account to check their balance10 and make sure they have enough money To login Moolah must input their username and password Moolah explains to Penny that they use their username and password to keep their account safe and secure It s very important that Moolah never shares their password with anyone because that s private information 18

MOOLAH SAVES MONEY 3C Yep I picked out this awesome football Are there any sales going on today Hi there Were you able to find everything you were looking for EV SA E R M G PL R E EE N Yes If you use this coupon you ll receive 20 off your purchase 20 OFF TODAY 19

ACTIVITY CALCULATING DISCOUNTS Help Moolah Calculate Their Discount 3C When calculating a 20 discount it s helpful to remember that for every 1 00 spent Moolah will get 0 20 off For example if Moolah was going to buy a candy bar that costs 1 00 a 20 discount means that Moolah would pay 0 80 1 00 0 20 0 80 With that in mind there are two different methods you can use to find Moolah s total for the football EV SA E R M G PL R E EE N 1 Repeated addition add 0 80 ten times Your formula would look like this 0 80 0 80 0 80 0 80 0 80 0 80 0 80 0 80 0 80 0 80 Total 2 Multiplication multiply 10 by 0 80 Your formula would look like this 10 00 x 0 80 Total Directions Use one of the methods above to calculate how much Moolah will pay for the football with the 20 discount Answer 20 20 OFF TODAY

MOOLAH SAVES MONEY N EV SA E R M G PL R E EE How great I love saving money 3C With the coupon you will pay 8 for the football instead of 10 R 20 OFF TODAY After paying for the football Moolah logs back into their account and sees their new balance After buying fruit at the farmers market and spending money on a football Moolah realizes their account balance is low and they want to make more money How can Moolah do that Work 21

ACTIVITY CALCULATING EARNINGS Help Moolah Calculate Their Earnings EV SA E R M G PL R E EE Answer N 3C Penny and Moolah say goodbye and Moolah heads home Along the way Moolah thinks of ways to make money Last week Moolah mowed four lawns in their neighborhood Each neighbor paid Moolah 10 00 How much money did Moolah make There hasn t been much rain over the last few days and Moolah s usual customers don t need their lawns mowed Moolah thinks back to a babysitting class they took last spring They decide to put signs around the neighborhood offering their babysitting services The next day they receive a phone call Mr and Mrs Bear have some errands to run over the weekend and they re hoping that Moolah can watch Baby Bear while they re out Mr and Mrs Bear say that they will pay Moolah 15 00 for each hour that they babysit and they think they will be gone for three hours How much money could Moolah make Answer 22

ACTIVITY CALCULATING EARNINGS N Answer 3C Which job earns Moolah more money mowing lawns or babysitting EV SA E R M G PL R E EE Directions What other goods or services could Moolah sell to earn money List your ideas below 23

MOOLAH GOES TO THE CREDIT UNION EV SA E R M G PL R E EE N 3C Moolah earned 45 by babysitting Baby Bear and they want to take their money directly to the Credit Union to deposit11 it into their account Moolah knows that by keeping their money at the Credit Union the money is safe and it earns interest12 24

EV SA E R M G PL R E EE N 3C MOOLAH GOES TO THE CREDIT UNION I can help you with any deposits you have today I would like to keep my money at the Credit Union because the money will be safer Molly Money explains that credit unions have a lot of security measures in place but it s important that members like Moolah do everything they can to protect their money too How can I do that asks Moolah Well one way you can help is by making sure that your account password is kept secret and that it is difficult for other people to guess 25

ACTIVITY BUILD A SECURE PASSWORD Directions Create a secure password for Moolah Make the password difficult to guess by sticking to the criteria shown below EV SA E R M G PL R E EE N 3C Once you have a password that meets the criteria shown cross it out because you should never write your password down Criteria 1 symbol 1 capital letter 2 numbers 8 characters long Password 26

MOOLAH GOES TO THE CREDIT UNION EV SA E R M G PL R E EE Is there any way I can make money by keeping my money in an account N 3C Yes By keeping your money in a savings account or certificate you are earning interest Moolah talks with Molly Money about how they can earn money just by keeping their money at the Credit Union 27

MOOLAH RECYCLES EV SA E R M G PL R E EE N 3C Moolah says goodbye to Molly Money and heads home Before going inside the house they check the mailbox and find an envelope from the Credit Union Moolah opens the envelope and sees their monthly statement for their account with recent transactions MOOLAH THE MOOSE 715 Forest Avenue Flowerville MI 27329 28

ACTIVITY MANAGING MONEY MOOLAH THE MOOSE 715 Forest Avenue Flowerville MI 27329 EV SA E R M G PL R E EE Below is your monthly account statement N Statement of Account July 1 to July 31 Account Number 0123456 3C Directions Look at Moolah s statement below calculate how much money Moolah has at the end of the month and answer the following questions SAVINGS 07 POST DATE JULY 1 JULY 3 JULY 7 JULY 7 JULY 15 JULY 21 JULY 25 JULY 28 JULY 31 AMOUNT 3 00 40 00 12 00 8 00 45 00 9 00 8 00 0 50 _______ DESCRIPTION Beginning Balance Deposit for Mowing Lawns Withdrawal at Flowerville Farmers Market Withdrawal at Flowerville Sporting Goods Deposit for Babysitting Baby Bear Withdrawal at City Center Movie Theatre Withdrawal at Wild Safari Zoo Interest Payment Ending Balance Sign up for electronic statements today 1 How much money did Moolah earn during the month of July 2 How much money did Moolah spend during the month of July 3 Moolah received 0 50 in interest during the month of July If Moolah were to receive 0 50 in interest every month over the next year 12 months how much total interest would that be 4 What should Moolah do with this paper statement a Recycle it b Throw it away c Shred it 29

MOOLAH RECYCLES EV SA E R M G PL R E EE N 3C Moolah decides to shred the paper statement and enrolls in electronic statements going forward That means instead of the Credit Union mailing them a statement each month the statement will come electronically to Moolah s email address This helps cut back on paper mail and is more convenient and secure for Moolah 30

MOOLAH RECYCLES 715 F ville MI 27329 Flow MOOLA VER venue EV SA E R M G PL R E EE N 3C Moolah spent the last few weeks learning about ways to help the economy and the planet As Moolah grows they will continue working to make money and buying things they need and want Moolah pledges to continue being a smart saver and spender supporting local businesses and doing their part to recycle and reduce waste when possible Moolah knows that we all need to do our part to make the world a better place 31

CU PRACTICE ACTIVITIES 3C Over the next few months Moolah continues shopping at local businesses that offer discounts Read each scenario and figure out how much they will pay for each item after applying the discount N Tip To figure out what 10 off is you ll move the decimal one space to the left in the full price amount For example if you are trying to figure out 10 off 10 00 move the decimal to 1 000 then subtract 1 00 from 10 00 EV SA E R M G PL R E EE To figure out what 20 off is you ll move the decimal one space to the left in the full price amount and then multiply it by 2 For example if you re trying to figure out 20 off 10 00 move the decimal to 1 000 and multiply by 2 to get 2 00 then subtract 2 00 from 10 00 10 OFF 32 20 OFF

CU PRACTICE ACTIVITIES N 3C 1 Flowerville Water Park is offering 10 off their ticket prices A regular price ticket costs 10 00 How much will Moolah pay with the discount EV SA E R M G PL R E EE 2 Wild Safari Zoo is offering 30 off food at their concession stands Moolah decides to get a burger fries and water which would normally cost 11 00 How much will Moolah pay with the discount 3 City Center Movie Theatre is offering 50 off tickets Tickets normally cost 12 00 How much will Moolah spend with the discount 33

CU PRACTICE ACTIVITIES Directions List out goods and services that your family spends money on in the columns below Services EV SA E R M G PL R E EE N 3C Goods Pick one of the goods that you listed above Think about where that good comes from originally and what process it goes through to get to you Write down your thoughts Pick one of the services that you listed above Think about what it takes to perform that service Write down your thoughts 34

CU PRACTICE ACTIVITIES EV SA E R M G PL R E EE N 3C Directions Use the map below to help answer the questions about produce and scarcity Where are pears more likely to be produced Name three states where corn is a scarcity or less likely to be grown Where are oranges more likely to be produced How do you think fruits and vegetables that are produced in Texas or Florida make their way to other parts of the country like Michigan What fruit is considered a scarcity in Arizona 35

CU PRACTICE ACTIVITIES Good or Service Need or Want Good Need Service Want Both EV SA E R M G PL R E EE Both Consumers N Producers 3C Directions Think about producers in your community and list some examples of producers in the column on the left Circle if the producer sells a good or service Is the good or service a need or a want Lastly write what type of consumer might purchase goods or services from that producer Good Need Service Want Both Both Good Need Service Want Both Both Good Need Service Want Both Both ____________ are people or businesses that make or provide goods and services to sell to other people or businesses ____________ are people or businesses that buy goods and services from 36 other people or businesses

CU PRACTICE ACTIVITIES EV SA E R M G PL R E EE N 3C Directions Draw a line from each item to the correct bin that it should be recycled in Reduce the resources that you use on a regular basis by turning off the lights when you leave a room turning off the faucet when you re not using the water walking or ride your bike instead of driving to your destination buying food that you know you ll eat What other ways can you reduce the resources that you use Reuse items by refilling a disposable water bottle reusing a disposable container reusing a plastic bag What items could you reuse that you normally throw out Recycle materials instead of throwing them in the garbage Recycle by placing items in the recycle bin so they can be made into other items giving items you no longer need or want to a friend or family member 37

CU PRACTICE ACTIVITIES Book 11 79 EV SA E R M G PL R E EE Candle 8 99 Toilet paper 12 pack 6 49 N Toothpaste 2 59 3C Directions Draw a circle around the items that someone might consider a want Then draw a square around the items that are considered a need Headphones 12 95 Soap 1 29 Add up the total amount spent on wants ___________ Add up the total amount spent on needs ___________ Consider that someone doesn t have enough money to purchase everything that they need and want What are some things they would consider to help them make their decision 38

CU PRACTICE ACTIVITIES Make Crafts to Help with Organization and Savings EV SA E R M G PL R E EE N 3C Use empty tin cans to organize school supplies Supplies Empty cans from canned goods cleaned and dried Decoration supplies Stickers Googly eyes Pipe cleaners Puff balls Glue Directions With the help of an adult attach chosen decorations to the tin can using glue or other adhesive Once decorated place the tin can on the desk and use it to organize pens pencils markers and more Make a piggy bank out of an empty plastic bottle Supplies Empty cans from canned goods cleaned and dried Scissors Decoration supplies Stickers Googly eyes Pipe cleaners Puff balls Glue Directions With the help of an adult use scissors to cut a two inch slit in the side of the bottle Attach chosen decorations to the bottle using glue or other adhesive Once decorated start saving money by dropping it into your bottle Keep in mind that when it comes time to take the money out you may need to cut a wider hole in the bottle with adult supervision 39

CU PRACTICE ACTIVITIES Design Your Job What materials do you need EV SA E R M G PL R E EE What will you sell Costs N Earnings 3C Business Name Is it a good or a service How much will those things cost Who will pay for it How will you pay for the materials How much will they pay Are there any natural resources that you will use Sketch Draw a picture of your good or service Questions When will you operate Will you need coworkers employees What will you do with the money you earn Are you selling a need or a want 40

CU PRACTICE ACTIVITIES 3C REVIEW Worth 5 worth 5 pennies Silver color The second largest physically Features Thomas Jefferson EV SA E R M G PL R E EE Worth 1 Reddish brown color The second smallest physically Features Abraham Lincoln Nickel N Penny Dime Quarter Worth 10 worth 10 pennies Silver color The smallest physically Features Franklin D Roosevelt Worth 25 worth 25 pennies Silver color The largest physically Features George Washington 41

GLOSSARY A person or business that makes or provides goods or services to sell to other people or businesses The way in which goods and services are made sold and used in a country or area EV SA E R M G PL R E EE 2 economy 3C 1 producers Definition N Vocabulary 3 natural resources 4 scarcity The idea that items are difficult to obtain because they are available in limited quantities 5 consumer A person or business that buys goods or services 6 need 42 Things found in nature that people find useful and can be used to produce goods and services examples include soil water forests fish etc Something that is essential or very important

GLOSSARY 7 want Something that is a desire to possess The amount of money needed or available for a purpose EV SA E R M G PL R E EE N 8 budget Definition 3C Vocabulary 9 recycled Items converted into reusable materials 10 balance The amount of money held in an account 11 deposit A sum of money placed in your bank or credit union account 12 interest Money paid regularly for money being held in a savings account 43

CREATED BY CREDIT UNION FINANCIAL EDUCATORS Financial Literacy Made Fun 3C Created and maintained by certified financial educators Ever Green 3C s Financial Literacy workbooks are designed to help develop the personal finance knowledge and skills that K 12 students should possess Use Ever Green 3C s resources to supplement your curriculum and help students gain the financial literacy skills they ll need to manage their financial resources effectively throughout their lives About Ever Green 3C EV SA E R M G PL R E EE N Ever Green 3C is a CUSO credit union service organization powered by Reseda Group a wholly owned CUSO of MSU Federal Credit Union We help credit unions establish better engagement loyalty and lifelong relationships with their members and communities through financial education solutions For more financial literacy solutions please visit www evergreen3c com Classroom Workbooks GRADES K 2 SAVING 05 2022 GRADES 3 5 CHOOSING GRADES 6 8 GRADES 9 12 SPENDING WITH INTENTION CAREERS COMPENSATION AND CREDIT 517 333 2288 Copyright 2022 Reseda Group LLC Ever Green 3C evergreen3c com LLC 517 333 2288 Licensee evergreen3c com www evergreen3c com