A junior high handbook on money management

100 Pages·03.416 MB·English

by  Bendure, Herbert G

A JUNIOR HIGH SCHOOL HANDBOOK ON MONET MANAGEMENT
A Project
Presented to
the Faculty of the School of Education
The University of Southern California
In Partial Fulfillment
of the Requirements for the Degree
Master of Science in Education
by
Herbert G. Eendure
August 1950
UMI Number: EP46184
All rights reserved
INFORMATION TO ALL USERS
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a note will indicate the deletion.
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UMI EP46184
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This project report, written under the direction
of the candidate's adviser and approved by him,
has been presented to and accepted by the Faculty
of the School of Education in partial fulfillment of
the requirements for the degree of Master of
Science in Education.
Date..............................................................,........
Adviser
Dean
ii
TABLE OP CONTENTS
CHAPTER PAGE
PART I. INCOME
HOW TO EARN.MONEY
1. REMUNERATION: HOW TO OBTAIN HOME EARNINGS......... 3
1. AGREEMENT: How to acquire adult approval. . . . 3
2. DUTIES: How to arrange work.......... 5
3. PAYMENT: How to determine the wages ......... 5
2. POSITION: HOW TO GET; A JOB........... 9
1. LOCATION: How to find a J o b ................ 9
2. APPLICATION: How to appeal for work..........12
3. TRAINING: How to prepare for employment . . . . 13
4. EDUCATION: How to study for advancement . . . . 14
3. CONDUCT: HOW TO KEEP A JOB. > ...................... 17
1. CORDIALITY: How to win friends. ................17
2. COURTESY: How to cultivate good manners . . . . 18
3. APPEARANCE: How to look attractive................20
4. ACCURACY: How to improve standards............ . 21
5. ADVANCEMENT: How to secure promotion. . . . . . 22
PART II. THRIFT
HOW TO SAVE MONEY
4. BANKING: HOW TO KEEP YOUR MONEY ........... 29
1. INVESTMENT: pow to open a bank account. . . . . 29
2. ACCUMULATION: How to enlarge your account . . . 31
3. WITHDRAWALS: How to use your savings. . . . . . 32
Ill
CHAPTER PAGE
5. FINANCE: HOW TO PAY AS YOU SAVE.................. . 37
1. CHECKING: How to start funds. . . ............... 37
2. DEPOSITING: How to keep your account
reimbursed.........................................38
3. PAYMENTS: How to write checks . 39
4. RECORDS: How to keep account of your
balance. . . . . . . . ..................... .. 42
6. ECONOMY: HOW TO BUDGET MONEY. ........................48
1. PROPORTIONMENT: How to divide money
placement. .............. 48
2. PERSONAL BOOKKEEPING: How to keep accounts. . . 50
3. STORAGE: How to file receipts . . . . . . . . . 52
PART III. EXPENSES
HCM TO SPEND MONEY
7. ACTIVITIES: HOW TO HAVE A GOOD TIME..................59
1. AMUSEMENT: How to enjoy yourself................ 59
2. COMPANIONSHIP: How to become acquainted
with others............ 62
3. INDIVIDUAL INTERESTS: How to satisfy special
wants........................................... 64
4. HOBBIES: How to use your spare time . . . . . . 65
8. PERSONAL APPEARANCE: HOVf TO SHOP WISELY<............. 69
1. CLOTHING: How to outfit a wardrobe............... 69
iv
CHAPTER PAGE
2. ACCESSORIES: How to accent your wearing
apparel......................................... 71
3. TOILETRIES: How to keep neat and clean....... 73
9. ADVANCEMENT: HOW TO PROGRESS. , ...................... 76
1. EDUCATION: How to improve your school work. . . 76
2. TRAVEL: How to go places. . . . . . . . . . . . . 77
3. VACATION: How to use free time................78
4. CHARITY: How to assist the needy. . ............ 79
BIBLIOGRAPHY............................. 83
V
LIST OF EXHIBITS
EXHIBIT PAGE
A. Jobs for Beginners . ............................. 10
Bi Bank Deposit Form. . . ............ 30
C. Front and Back of Check Forms. ..................... 40
D. Monthly Checking Account Statement 44
E• Budget Example . . . . . . ......................... 49
F. Accounts Receivable. . . . . ....................... 51
G. Expense Account. .......... 53
H. Samples of Suggested Activities............ 60
I. Suggested Grooming Aids. ....................... 72
Vi
LIST OP EVALUATION CHARTS
CHART PAGE
I. Personal Qualifications ............. 26
II. Organized Savings ............................ 35
' III. Check Record....................................... 47
IV. Activity Planning ........................ 67
V. Shopping Principles ................. 75
Vii
PREFACE TG THE TEACHER
Money management is a subject in which all students
are interested. They want to earn money, to he able to save
part of their earnings, and spend their money wisely. The
teacher can make the instruction material mueh more useful
by employing full use of visual aids, demonstrations, and
field trips. Parent-Teacher Association meetings and parent
counselling can also develop an Improved understanding on
the importance of training students In the handling of
money.
The material presented in this course is based on
real life problems of the students themselves. The problems
were obtained from the students of the Bell Gardens Junior
High School and a Whittier Junior High School in Los Angeles
County, California. The course Is a full year project with
the chapters being divided into nine units. It is suggested
that an average of one month be spent on each chapter in
order that the many varied activities may be carried out.
A helpful bibliography, which will aid you greatly in
group guidance, may be found in the back of the book. Other
reference sources are provided to help you keep up to date
by suggesting new material which will be more appropriate in
the future.
vlil
PREFACE TO THE STUDENTS
Would you like to earn some money? Would you like to
be able to buy many things? Would you like to know how to
save money for a new “bike", a radio for your room, or some
other expensive article?
This book will help you get many of the desires you
have dreamed of having. If you follow the directions
carefully you will be able to earn money for yourself, save
money for future wants, and realize greater enjoyment from
the money that you spend. The results of such activity will
make you a happier and more satisfied person. Also you will
become a better citizen and a more useful member of the
community in whiGh you live.
Students, like yourselves, from the Bell Gardens
Junior High School and from a Whittier Junior High School in
Los Angeles County, California helped to plan this course by
stating their problems and interests. Suggestions were
received from teachers, students, parents, and printed texts
to answer those problems which interested youth most.
If you want to be better able to earn, save, and
spend money, then turn the pages to a new lease on life.