Five pages about borrowing and lending. Page 1 starts with a reminder (a borrower uses something that belongs to someone else and gives it back; a lender lets someone use what is theirs) and has eight short stories: students write the borrower and the lender. The first is done as an example. Page 2 lists three rules for a good borrower: students circle yes or no for whether each borrower is responsible, and write the letter of the rule that was broken. On page 3 a child pays back a loan a little each week: fill in how much has been paid back and how much is still owed, week by week, and how many weeks it takes; the last problem compares two ways of paying back. Page 4 asks whether to lend a bike and whether to lend money: circle benefit or cost for each idea, then decide and say why. Page 5 is about credit and interest: borrowed plus interest is the amount paid back, in a table and in three story problems.
Start with things students already borrow: library books, a pencil from a friend, a ball at recess. Ask who is the borrower and who is the lender each time. Before page 2, make a class list of what a good borrower does and compare it to the three rules on the page. Page 4 works well as a discussion: there is no single right answer to "Would you lend it?", only good reasons.
Talk about a time your child borrowed or lent something and how it went. When your child borrows money for a treat, write down how it will be paid back, a little each week, the way page 3 does. If you use a credit card or a loan, explain in simple words that the bank is the lender and that you pay back a little extra, the interest.
This pack supports the following Common Core State Standards for Mathematics:
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A 5-page borrowing and lending pack for 2nd and 3rd grade. Read short stories and write who is the borrower and who is the lender, then decide whether each borrower is responsible and which rule a borrower broke. Fill in tables for paying back a loan a little each week, sort the benefits and costs of lending a bike and lending money, and learn that credit is paid back with interest: complete a borrowed, interest and paid back table and solve story problems. Every page comes in color and in black and white. Answer keys included.
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