Session 6 ยท Money, Values & You
Smart Spending ๐
How to get the most from every dollar you spend
6th Grade Financial Literacy ยท 90 minutes
๐ข Unit pricing
๐ก Price vs. value
๐ Best Buy game
โก Impulse control
Today's Plan
๐ Here's What We're Doing
- ๐ฏ Opening hook โ regret that purchase? (5 min)
- ๐ Unit pricing โ the math of comparison (15 min)
- ๐ Price vs. value (15 min)
- ๐ Best Buy game (20 min)
- ๐ Impulse buying + 24-hour rule (15 min)
- โ๏ธ Journal (10 min)
- ๐ Recap & preview (10 min)
Knowing the plan = no surprises ๐
Opening Hook
๐ Raise Your Hand...
...if you've ever bought something and regretted it immediately.
What happened? Did you use it? Return it? Leave it in a drawer?
Today we learn to buy smarter โ so fewer regrets.
Lesson 1 ยท Unit Pricing
Unit Price ๐ข
Unit Price = Total Price รท Number of Units
Brand A
8 oz for $2.00
$2.00 รท 8 = $0.25/oz
Brand B โ
12 oz for $2.40
$2.40 รท 12 = $0.20/oz
Brand B costs less per ounce โ even though it costs more upfront.
Lesson 1 ยท Unit Price Practice
You Try! ๐งฎ
Pack of 6 pencils for $3.00 vs. pack of 10 pencils for $4.50
Pack of 6
$3.00 รท 6 = $___ per pencil
Pack of 10
$4.50 รท 10 = $___ per pencil
Which is the better deal? Work it out with your neighbor!
Lesson 2 ยท Price vs. Value
Price โ Value ๐ก
๐ฐ Price
The number on the tag. What you pay.
โจ Value
What you actually GET. Quality + use + how long it lasts.
Cheap โ best deal. Sometimes paying more saves money long-term.
Lesson 2 ยท Value Examples
Think Long-Term ๐
- $8 phone case โ breaks in 2 months โ buy 6/year = $48
- $20 phone case โ lasts 2 years โ $10/year โ
- Fast food $5/day โ $150/month
- Home-cooked lunch $1.50/day โ $45/month โ
The question isn't just "how much does it cost?" โ it's "how much does it cost over time?"
โก Brain Break
Quick Math Challenge! ๐ง
24 oz for $3.00 vs. 16 oz for $2.40
Work out the unit price for each with your partner. Which is better?
60 seconds. Show your math!
๐ Best Buy Game
Find the Best Deal
- ๐ Your group gets 3 shopping scenarios
- ๐ข Calculate unit prices where needed
- ๐ก Consider price AND value (quality, longevity, use)
- โ
Decide: what's the best choice in each scenario?
- ๐ค Remember: "best" might be different for different people
โฑ๏ธ 8 minutes โ GO!
Activity Debrief
๐ What Is "Best"?
- Did your group agree on the best choice?
- When did price win? When did value win?
- What factors besides price did you consider?
Smart spending = thinking about total value, not just the sticker price.
Lesson 3 ยท Impulse Buying
Impulse Buying โก
An unplanned purchase made on emotion, not reason.
๐ Hunger
Everything looks good when you're hungry
๐ Stress/Boredom
Shopping as a coping mechanism
๐ฎ FOMO
"Everyone has one" / "Limited time only!"
Lesson 3 ยท The 24-Hour Rule
The 24-Hour Rule โฐ
Before buying anything non-essential:
Wait 24 hours.
Still want it? Your choice.
Changed your mind? You just saved money.
- Works best for items over $10
- Not a "no" โ it's a "not right now"
- Gets easier with practice
Islamic Perspective
Shukr & Halal Consumption ๐คฒ
ุดูุฑ Shukr
Gratitude. Appreciating what you already have reduces the urge to constantly buy more.
Science agrees: gratitude increases contentment.
Halal Consumption
Spending intentionally, ethically, and in ways that align with your values โ not just your impulses.
โ๏ธ Journal Time
Take 8 Minutes...
"Describe a purchase you made that you regret. What would you do differently now?"
- ๐ Even a $1 snack counts โ keep it real
- Apply what you learned today
- No judgment โ everyone has regrets!
Session 6 ยท Wrap Up
What We Learned Today ๐
โ
Unit price = total รท units. Compare value, not just tags.
โ
Price โ value. Cheap can be expensive long-term.
โ
Impulse buying is driven by emotion โ recognize the triggers.
โ
The 24-hour rule: not a "no," just a "not right now."
โ
Shukr = gratitude = contentment = less impulse buying.
Next session: INVESTING โ how money grows over time ๐