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Community-Budget_ Section 1_Beg-Numeracy
Community-Budget: Beginning Numeracy
Section 1: Calculating Monthly Income
EL Civics 2011-13
Unit Description:
This unit is divided into four sections with each section having 3 to 5 activities. This
document contains teaching materials for Section 1.




Section 1: Calculating Monthly Income
Section 2: Calculating Monthly Expenses
Section 3: Creating a Budget
Section 4: Math in the Community
Ronald Hubbs Center EL Civics 2011-2013
1
Community-Budget_ Section 1_Beg-Numeracy
What is a Budget? (S1-A1)
Discuss these questions with your classmates.
1. How do you know how much money you make each month?
2. How do you know how much money you spend each month?
3. How do you decide if you are going to buy something or not?
4. How do you pay for a big purchase when you do not make a lot of money?
Read each story. Answer the questions Yes or No. What do you think?
Story 1: Tania wants to buy a TV. It is on sale for $499 for one day only. Tania thinks she
has enough money in the bank. She knows she has to pay for her cell phone bill and car
payment this week. She can’t remember how much that will be.
1. Tania should buy the TV now.
2. Tania should check her bank account
before she buys the TV.
3. Tania should see how much money her
bills will cost after she buys the TV.
4. Tania should buy the TV because it is
a one-day sale.
Yes
No
Yes
No
Yes
No
Yes
No
Story 2: Mesfin wants to buy a car. He finds a car that he really likes. He goes to the
bank to get a loan to buy the car. His payments will be $250.00 a month. He is not sure
he will have enough money every month to pay that. He doesn’t know how much he
pays for all his bills each month. But he thinks the car is a good deal.
1. Mesfin should get the loan for the car now.
2. Mesfin should know he has enough money to pay
$250 every month before he gets the loan.
3. Mesfin does not need to know how much he
spends on his other bills.
4. Mesfin should see if he will have $250 left
after he pays his bills every month.
Ronald Hubbs Center EL Civics 2011-2013
2
Yes
No
Yes
No
Yes
No
Yes
No
Community-Budget_ Section 1_Beg-Numeracy
What is Monthly Income? (S1-A2)
Part 1: Vocabulary
Match the vocabulary words with their meanings.
1) ______ income
a) Once a month
2) ______ sources of income
b) Pay you “take home”
c) Things you spend money on
d) Every two weeks
e) All money you receive
f) Once a year
g) Money taken out of your
paycheck
h) The money you make before
deductions
i) Once a week
j) Money you pay to the
government
k) The ways you get your money
3) ______ net pay
4) ______ gross pay
5) ______ yearly
6) ______ monthly
7) ______ weekly
8) ______ bi-weekly
9) ______ deductions
10) _____ _ taxes
11) ______ expenditures
Complete the sentences below with the correct vocabulary words.
1. I get my ___________ from my job.
2. My other ______________________ are child support and public
assistance.
3. Taxes are ______________ that they take out of my check.
4. I get paid ________________ or every two weeks.
5. I get paid ________________ or once a week.
6. My _____________ is $400 every week but my ____________ is almost
$600 every week.
7. My __________ income is $24,000.
Ronald Hubbs Center EL Civics 2011-2013
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Community-Budget_ Section 1_Beg-Numeracy
Calculating Monthly Income (S1-A3)
Part 1: Calculate Monthly pay from bi-weekly paychecks
Bi-weekly net pay
Equation:
Monthly pay
_______ + _______ =
_______ x 2 =
1. $624.00
2. $782.15
3. $437.18
4. $1028.52
5. $589.98
Part 2: Calculate monthly income from weekly paychecks
Weekly net pay
Equation:
___ + ___ + ___ + ___ =
_______ x 4 =
1. $624.00
2. $300.15
3. $437.18
4. $292.52
5. $589.98
Ronald Hubbs Center EL Civics 2011-2013
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Monthly pay
Community-Budget_ Section 1_Beg-Numeracy
Part 3: What other sources of income are there?
Income is any money you receive. Sources of income are the ways you
receive that money. Usually we receive our income from our job, but what
are some other sources of income?
1.
2.
3.
4.
5.
6.
__paycheck_____________
________________________
_______________________
_______________________
________________________
________________________
Circle your sources of income above.
Add the other sources of income together. How much is the total income for
each person?
1. Nadifo
child support:
$250.00
Public assistance:
$362.50
Food support:
+ $125.75
Total income from other sources: __________
2. Sadiq
Social Security:
$210.80
Public assistance:
$267.69
Housing support
+ $525.00
Total income from other sources: __________
Ronald Hubbs Center EL Civics 2011-2013
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Community-Budget_ Section 1_Beg-Numeracy
Part 4: Calculating total monthly income
What is the total monthly income of each person?
1. Thuy:
Bi-weekly net pay:
$645.18
Monthly net pay:
________
Child support:
$320.60
Food support:
$163.00
Total monthly income:
2. Sofia:
Weekly net pay:
$216.98
Monthly net pay:
________
Public assistance:
$362.43
Housing assistance:
$422.65
Total monthly income:
3. Too:
__________
Bi-weekly net pay:
$459.62
Monthly net pay:
________
Social Security:
$229.35
Food support:
$130.14
Total monthly income:
4. Meseret:
_________
__________
Weekly net pay:
$257.42
Monthly net pay:
________
Public assistance:
$325.75
Food support:
$ 98.14
Total monthly income:
Ronald Hubbs Center EL Civics 2011-2013
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__________
Community-Budget_ Section 1_Beg-Numeracy
Calculating Total Monthly Income (S1)
In a small group, read the paystub and checks from other sources of income. Then
complete the following steps:
1. Find the net pay on the paycheck and write it on the chart.
2. Circle if the paycheck is weekly or bi-weekly on the chart.
3. Calculate the monthly salary and write it on the chart.
4. Add the other sources of income together and write them on the chart.
5. Add the other sources of income to the monthly salary and write the total
monthly income on the chart
Name
Net Pay
Weekly or
Monthly
Other
Total
bi-weekly
Salary
Sources of
Monthly
Income
Income
Moua Her
Tigist Hailu
Dinh Nguyen
In a small group, read the paystub and checks from other sources of income. Then
complete the following steps:
1. Find the net pay on the paycheck and write it on the chart.
2. Circle if the paycheck is weekly or bi-weekly on the chart.
3. Calculate the monthly salary and write it on the chart.
4. Add the other sources of income together and write them on the chart.
5. Add the other sources of income to the monthly salary and write the total
monthly income on the chart
Name
Net Pay
Weekly or
Monthly
Other
Total
bi-weekly
Salary
Sources of
Monthly
Income
Income
Moua Her
Tigist Hailu
Dinh Nguyen
Ronald Hubbs Center EL Civics 2011-2013
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Community-Budget_ Section 1_Beg-Numeracy
Sample Checks and Other Income Sources
Group 1: Moua Her
Packaging King
Moua Her
Rate: 7.50
SSN: 475-57-4754
Gross Pay: 735.00
Net Pay: 616.49
Earnings
Deductions
Type Hours Amount
Type
Amount
Reg.
80
600.00 Fed Tax
67.94
Over
12
135.00 FICA
18.65
State Tax
21.34
SDI
10.58
Other sources of income:
Pay Date:
2/17/12
Period from
02/04/12
Period thru
02/17/12
Year – To – Date
Amount
Gross
Earnings:
2940.00
Fed Tax
271.76
State of Minnesota
Account: 412352
2/06/2012
Pay to the Order of __________Moua Her__________
$
324.69
_____________three hundred twenty-four and 69/100__________ Dollars
For _Housing Assistance_
_Minnesota Department of Human Services_
Thao Her
2432
1492 Etna St.
St. Paul, MN 55106
__2/8_, 20_12
Pay to the Order of _________Moua Her_____________ $
______________two hundred sixty-nine and 85/00______________Dollars
__Thao
For ___Child Support_____
Ronald Hubbs Center EL Civics 2011-2013
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Her___
269.85
Community-Budget_ Section 1_Beg-Numeracy
Sample Checks and Other Income Sources
Group 2: Tigist Hailu
Best Baked Goods
Tigist Hailu
Rate: 9.50
SSN: 455-55-4554
Gross Pay: 465.50
Net Pay: 305.65
Earnings
Deductions
Type Hours Amount
Type
Amount
Reg.
40
380.00 Fed Tax
69.83
Over
06
85.50 FICA
10.62
State Tax
23.28
Med Ins
56.12
Other sources of income:
Pay Date:
1/27/12
Period from
01/21/12
Period thru
01/27/12
Year – To – Date
Amount
Gross
Earnings:
1862.00
Fed Tax
279.30
State of Minnesota
Account:
245962
1/24/2012
Pay to the Order of __________Tigist Hailu__________
$
84.72
_____________three hundred twenty-four and 69/100__________ Dollars
For _Energy Assistance_
_Minnesota Department of Energy_
Mesfin Hailu
2432
1292 University Ave
St. Paul, MN 55104
__1/22_, 20_12
Pay to the Order of _________Tigist Hailu__________________
$
257.42
______________two hundred fifty-seven and 42/100______________Dollars
__Mesfin
For ___Child Support_____
Ronald Hubbs Center EL Civics 2011-2013
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Hailu___
Community-Budget_ Section 1_Beg-Numeracy
Sample Checks and Other Income Sources
Group 3: Dinh Nguyen
Bicycles & Beyond
Dinh Nguyen
Rate: 10.75
SSN: 422-57-2254
Gross Pay: 1021.10
Net Pay:
674.44
Earnings
Deductions
Type Hours Amount
Type
Amount
Reg.
80
860.00 Fed Tax
153.17
Over
10
161.10 FICA
21.16
State Tax
51.06
Med Ins
121.27
Other sources of income:
Pay Date:
12/30/11
Period from
12/17/11
Period thru
12/30/11
Year – To – Date
Amount
Gross
Earnings:
26,548.60
Fed Tax
3,982.42
State of Minnesota
Account:
3425692
12/06/2011
Pay to the Order of __________Dinh Nguyen________________
_____________two hundred forty two and 19/100__________
For _Training Program Tuition _
$
242.19
Dollars
_Minnesota Department of Education_
Sandra Powers
2432
1192 Simms Blvd
Brooklyn Park, MN 55443
__12/8_, 20_11
Pay to the Order of _________Dinh Nguyen______________________ $
__________________________sixty and 00/100_________________
__Sandra
For ___Snow removal_____
Ronald Hubbs Center EL Civics 2011-2013
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60.00
Dollars
Powers___