Diahann Philippine September 12, 2021 worksheet
Finally, take the information you have learned and create a budget for next month using a monthly budget worksheet. On this worksheet, you will fill in your income along with your fixed expenses, fixed variables, occasional expenses, and installments such as credit card payments. After you total up your income and all expenses you will be able to see if you have an excess at the end of the month or if you are short. If you are short, now is the time to cut back on some occasional expenses as well as some fixed variable expenses in order to operate a working monthly budget.
When it comes to you wanting to set goals for yourself there are several ways in which this can be done. You could of course just think about setting them. However if you really want to make sure that you achieve your goals then the use of goal setting worksheets should be considered.
This issue of NOT practicing mistakes is extremely important. Parents shouldn’t give worksheets as busy work and teachers should only use them if you are going to have a non-math teacher substitute. White boards with supervision are always a better way to practice skills. If you need some time to do chores, your child will get much more benefit by helping you with the chores. And maybe you can work in a little discussion of numbers or counting while you do chores together.
Rather than using worksheets, a better method is to use individual size white boards and have the child writing entire facts many times. Having a child writing 9 x 7 = 7 x 9 = 63 while saying ”nine times seven is the same as seven times nine and is equal to sixty-three” is many times more successful than a worksheet with 9 x 7 = ___ and the student just thinks the answer once and then writes that answer on the duplicate problems.
I have had many high school Algebra students enter class thinking they know the correct order of operations, but we quickly learn that something is wrong. Digging a little deeper, we discover that they learned the order of operations incorrectly, although they will swear they are doing what they were taught. In reality, they have spent the previous couple of years practicing incorrectly. Their answers got marked wrong but no one took the time to find out why. And the damaged was never repaired.
A list of your income and expenses, no matter how complete, is not a spending plan, but is the information you need to create a spending plan. And, a paycheck-by-paycheck spending plan will help ensure the success of, or at least help prevent the failure of your budget.
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