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Skills Covered

  • Tell spending from saving
  • Save instead of spending, and see it add up
  • Name ways to share: money, time or things
  • Split money among Spend, Save and Share jars
  • Add three amounts and find a missing part
  • Make a plan for $10 whose parts add up

How to Use This Pack

Five pages about three things to do with money. Page 1 starts with what the words mean (spend: use money to buy something; save: keep money to use later; share: give to help others), then has eight short sentences: students circle Spend, Save or Share. The first one is done as an example. On page 2 each child puts money in three jars; students find the money in the missing jar, or the total, by adding or subtracting. Page 3 saves instead of buying a treat: students write the total after each day (5¢, 10¢, 15¢, ...) and circle whether it is enough for something bigger. Page 4 sorts ways to share into money, time or things, then has four short stories about giving: write the number sentence and how much is left. On page 5 students check four plans for $10 (do the parts add up to $10?), then make a plan of their own and write what they will spend on, save for and share with.

In the Classroom

Set out three clear jars labeled Spend, Save and Share and a handful of play dimes and pennies. Before page 2, give a student 10¢ to split among the jars and have the class count each jar and check that they make 10¢. Before page 3, put a dime in the Save jar each morning for a week and count the total together. Talk about ways the class could share: money for a food drive, time to help a younger class, or books for a classroom library.

At Home

Give your child three cups or envelopes labeled Spend, Save and Share for allowance or birthday money, and decide together how much goes in each. When your child wants a small treat, talk about saving the money instead and what it could grow into. Choose a way to share as a family: a few coins for a charity box, time helping a neighbor, or toys to give away.

Tips for Success

  • Spend means use money to buy something; save means keep it to use later
  • Saving is a choice: you keep the money instead of spending it now
  • Sharing can be money, your time or things you give away
  • The three jars always add up to all of the money
  • To find a missing jar, start with the total and take away the other two

Common Core Standards Alignment

This pack supports the following Common Core State Standards for Mathematics:

  • 2.OA.A.1 Solve one- and two-step story problems with sums and differences up to 100, with the unknown in any position, using drawings and equations.
  • 2.MD.C.8 Solve story problems with pennies, nickels, dimes, quarters and dollar bills, writing amounts with the $ and ¢ signs.

© Copyright 2010. National Governors Association Center for Best Practices and Council of Chief State School Officers. All rights reserved.

Spend, Save and Share

1st – 2nd Grade

A 5-page spend, save and share pack for 1st and 2nd grade. Learn what each word means and circle spend, save or share for eight things children do with money. Split coins and dollars among three jars and find the missing amount, save instead of buying a treat and write the total after each day, sort ways to share into money, time or things and find how much is left after giving, then check four plans for $10 and make a plan of your own. Every page comes in color and in black and white. Answer keys included.

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What’s Included

  • 5 worksheets in color and in black and white, with answer keys (15 pages)
  • Spend, save or share, and ways to share money, time or things, each with a worked example
  • Three money jars with a missing amount, and saving instead of buying a treat
  • Four plans for $10 to check, and a page to make your own plan
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Free to print and share

This worksheet is free to download, print, copy, and hand out in your classroom or at home. You do not need to create an account, and there are no watermarks on the PDF.