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Managing My Money Banking and Budgeting Basics Natalie Hale

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Price: $34.95

Learning to manage money is one of the most important skills needed to achieve independent living for teens and adults with Down syndrome, autism, and other intellectual disabilities. Managing My Money offers plenty of encouragement, clear instructions broken down into small steps, practice opportunities, color-coded forms, and large scale graphics to make abstract money managing concepts concrete. Anyone whose math and writing skills are at a first-grade level or higher can follow the lessons in this workbook, assisted by parents or other adults, and aided by a calculator.

Readers of Managing My Money will learn to:

  • Keep Records: a unique, color-coded method helps readers record payment and deposit transactions on a ledger form; compute the account balance on a checkbook-like balance sheet
  • Keep a Budget: distinguish between expenses that are needs vs. desires; appreciate the benefits of saving
  • Keep a Checking Account: open an account; write checks; use a color-coded check register to record deposits, checks, and ATM withdrawals; make deposits; balance the account
Parents, educators, transition specialists, and life skills coaches can consult the teacher pages that face student lesson pages for specific suggestions and tips, and then flip them under, out of sight, to prevent distraction. Use the handy CD-ROM to print out more forms when the reader has completed what's provided in the book.

Managing My Money is an upbeat teaching tool that will ensure mastery of basic money management skills for teens and adults with special needs preparing to live on their own, as well as for older adults who need a refresher course.

 "Knowing how to manage money is a life skill which goes beyond being able to identify coins and bills. This colorful workbook has three sections with 33 lessons that explain how to keep records of money spent and received, develop a budget on a limited income and manage a checking account. The workbook is designed to be used by a teacher and a student working together and the lessons are organized with the teacher plan on one page and the activity on the opposite page. The lesson are broken down into precise steps with clear and simple language and can be repeated as often as necessary until the student understands the concept and is ready to move to the next lesson. Additional worksheets and forms are included on the CD-ROM and can be printed out for future use."

-Down Syndrome News, Volume 34, #1

"Natalie Hale created this workbook and CD to help teens and adults with special needs learn to manage money. As a parent of an adult with Down syndrome, Ms. Hale knows first hand that learning to manage money is an essential life skill. As a reading consultant, she is expert at developing tools families and educators can use to teach individuals with learning disabilities or developmental delays the skills they need to live independently. While written at a third to fourth grade level, each lesson was designed for an individual working with a parent, teacher, or other adult.

There are three sections: Keeping Records, Keeping a Budget, and Keeping a Checking Account. Each section has separate lessons. A first grade reading and writing level is recommended. Students will also need a calculator. The type size is large, color-coded, and the graphics are colorful and engaging."
-Newsline (Federation for Children with Special Needs), Fall 2010

"Although geared for youth and adults with cognitive challenges, Natalie Hale’s Managing My Money is a wonderful teaching tool to equip all adolescents with the practical skills to manage their personal finances independently.

Presented in textbook format, the book covers three main headings: Keeping Records, Budgeting, Managing a Checking Account. Each topic is introduced and reinforced via short lessons that gradually build upon one another. Practice problems following each lesson help readers to generalize acquired knowledge to real-life situations. For instance, in the section on keeping records, readers are instructed to think of money earned in either plus or minus terms. ‘Last night you went to the movies; your ticket was $8. Plus or minus?’ ‘You just found $5 in your room that you had lost. Is that a minus?’ are just two examples of how readers are taught to think critcally and concretely about money as something that can enter or leave their wallets.

Large, straightforward text and vibrant graphics enhance each concept, and the pages are free of clutter and distractions. A color-coding system helps facilitate readers’ understanding of the concepts; red is equated with minus, for example, and green represents plus. In addition to the numerous blank sample forms within, Managing My Money includes a companion CD loaded with additional forms for practicing budgeting and check-balancing.

In order to facilitate the incorporation of Managing My Money into special needs classrooms and educational curricula, Hale includes teaching plans for educators on left pages throughout, while right-hand pages are intended for students.

Although certain topics (such as checking accounts) in Managing My Money may not apply to everyone, knowing how to keep track of incoming and outgoing finances, the foundational lesson taught in this book, is a skill for life—one which will serve to provide readers with independence and a sense of responsibility as they draw upon the book’s lessons in their daily transactions."
-Exceptional Family, Winter 2010

"The point of this book is not to teach mathematics, that's what the calculator is for, but to understand the concepts behind managing money. When you progress through the entire manual, you've gone from training to execution and learned how to open a checking account and set up a budget with real money."
-NATHHAN/CHASK NEWS, Spring/Summer 2011

"Many adults with developmental delays find understanding and managing money to be very challenging. Ms. Hale, the mother of a child with Down syndrome, oppositional defiant disorder, and ADHD, has organized this workbook and CD into smaller units that make comprehension easy. Written at a third grade level, the book explains that money we receive is a PLUS and money we pay out is a MINUS, and money is finite. Students need not know how to do math--a calculator will perform that task--and need only be able to write at a first grade level to benefit from the lessons in this book. The accompanying CD contains worksheets and ledger pages for students to practice. The goal is for students to learn how to keep a budget, keep records, and open and manage a checking account."
-Mile High Down Syndrome Association's Down's Update, January/February 2011

"Money management is an important independent living skill for adults with Down syndrome, autism and other intellectual disabilities, yet it is also one of the most challenging to learn. Managing My Money is a proven workbook that teaches banking and budgeting to teens and adults who have learned to use a calculator and have prerequisite maths and handwriting skills. Divided into three sections, this spiral bound book explains how to:

  • Keep money records with a unique color-coded system for recording payments ands deposits and calculating account balances on an adapted ledger form
  • Keep a budget on a limited income using a budgeting form that separates expenditures into needs, wants, and savings
  • Manage a cheque account by writing cheques and by recording withdrawals, deposits, balances on a color-coded register Intended to be studied together by a teacher (parent, aide etc) and student, Managing My Money includes 33 student lessons organized into three parts. Left-hand pages contain teacher instructions and right-hand pages contain the student lessons. This allows the pace of learning and the level of repetition to be adjusted to each individual’s learning style and needs. And the handy CD-ROM makes it easy to print out additional worksheets and forms after the student has completed what’s provided in the book."
    -New Zealand Down Syndrome Journal

    "My daughter with Down syndrome uses Managing My Money to write and record checks, balance her checking account, and follow a budget. Math has always been a challenge for her, but she has had great success with this system, which allows her to independently keep track of her money and expenses. I highly recommend it for teenagers or young adults with intellectual disabilities who want to learn banking and budgeting basics."
    -Jackie Holcombe, parent, advocate, and mayor of Carey, North Carolina

    "This book is a great tool for teaching students with developmental disabilities about money. Written for the students themselves (with additional material for the teacher or helper), it is very user-friendly with large type, plenty of white space, and color-coded forms. Managing My Money focuses on one of the most important factors that keep students with developmental disabilities from living independently."
    -DeAnna Horstmeier, Ph.D., Former Faculty at The Ohio State University, and author, Teaching Math to People with Down Syndrome and Other Hands-on Learners, Books One and Two

    "Written by a reading consultant and the parent of an adult with Down’s syndrome and ADHD, this updated spiral ring workbook and CD-ROM is intended to assist parents, teachers, and caregivers with their special needs children to help them gain more independence in transactions involving money and bank accounts. Divided into three sections, the enlarged types and colorful illustrations are combined with worksheets and reality based scenarios.

    Since special needs children often have difficulty with abstract concepts, this book reinforces the concepts of finite money (my money), money spent as being gone (minus) and money received from allowance, gifts or paychecks (plus). The concepts are geared to those with reading abilities at the first grade reading level, basic math skills, and the ability to use a calculator. The workbook is to be used with a teacher/parent and student together using the worksheets provided for reinforcement.

    Part One reviews keeping records and opportunities to practice with identifying where money comes from and where it is spent. Part Two covers keeping a budget and dividing expenditures into wants, needs and savings. Part Three is devoted to opening and keeping a checking account, keeping a check register and using a debit card. In addition to the visually engaging illustrations and worksheets, a CD-ROM is included so that the child can print out multiple copies of the forms with which to practice.

    This book is highly recommended for consumer health libraries that maintain a special needs section, and would serve as a useful tool to educators, parents and children in order to better equip them for the financial challenges that they will face. Of special note is that the colorful examples help to make concrete the often difficult world of abstract numbers."
    -CAPHIS Consumer Connections 

    Part One: Keeping Records
    Introduction to Part One
    Lesson 1: Learning about PLUS
    Lesson 2: Using Your PLUS Envelope
    Lesson 3: Learning about MINUS
    Lesson 4: Using Your MINUS Envelope
    Lesson 5: Learning about MY MONEY
    Lesson 6: Getting to Know Your Money Records Page
    Lesson 7: The Plus or Minus Column
    Lesson 8: The Date Column
    Lesson 9: What Was It?
    Lesson 10: The Minus Column
    Lesson 11: The Plus Column
    Lesson 12: The My Money Column
    Lesson 13: Putting It All Together, Step One
    Lesson 14: Putting It All Together, Step Two
    Lesson 15: Putting It All Together, Step Three

    Part Two: Keeping a Budget
    Introduction to Part Two
    Lesson 1: What Will You Do with Your Money?
    Lesson 2: Three Ways to Use Your Money
    Lesson 3: Making Your Personal Lists
    Lesson 4: Organizing Your Budget
    Lesson 5: Dividing Your Pay Check
    Lesson 6: Spending Your Needs Budget
    Lesson 7: Spending Your Wants Budget
    Lesson 8: It’s a Wrap! Finishing the Month’s Budget
    Lesson 9: Now Start Your REAL Budget!

    Part Three: Keeping a Checking Account
    Introduction to Part Three
    Lesson 2: Opening a Checking Account
    Lesson 3: The Two Most Important Rules
    Lesson 4: Your Check Register
    Lesson 5: All about Checks
    Lesson 6: Using Your Debit Card
    Lesson 7: Writing a Check
    Lesson 8: Making a Deposit
    Lesson 9: Balancing Your Account

    Index

    About the Author

    CD-Rom Contents

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