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4-H Youth Consumer Sciences and Career Development

The Miami-Dade County 4-H youth development program’s Consumer Science and Career Development section offers project materials related to:

  • Career Exploration

  • Consumer and Personal Finance

  • Economic Education

  • Youth Entrepreneurship

On My Own

On My Own” is a hands-on, real-life simulation that gives young people the opportunity to experience their futures in a fun and exciting way. They are encouraged to make healthy and wise choices similar to those adults face on a daily basis.

How it works

Students assume they are 25 years old and are the primary or sole support of their household. Some high school students have a good idea of what they want to do after graduation, however many do not. “On My Own” includes a personality questionnaire that divides the students into six personality types – doers, thinkers, creators, organizers, helpers and persuaders. Completing the questionnaire will help the unsure students determine their personality types. Then they can explore career choices that are suited to their personality types. Each occupation has its own annual and monthly salary that the students use to calculate their deductions.

“On My Own” helps students learn about the major types of payroll deductions; federal income tax, Social Security tax, Medicare taxes and insurance plans. Students then calculate the amount of deductions from their monthly paychecks in the simulation to get their net monthly income.

Students also find out that family really matters in financial affairs. If they choose to have a family, they’ll need to take into account family expenses
such as; medical insurance, shopping for food, clothing, and entertainment; and in housing and transportation choices. Students realize that family responsibilities make financial life more complex and demanding.

By using sample checks and registers, the students learn how to record and manage their bank accounts. They must select a type of housing: whether it is a house or apartment and should they rent of buy. They must select a form of transportation with their family situation in mind. They can choose a new or used car, buy a bus pass, or even buy a bicycle. They must visit the grocery
store and purchase a plan that fits within their budget to feed themselves and their families. They must pay for utilities and have the option of adding cellular phones, internet service, long-distance telephone service or cable television. They also must insure their home and their vehicle.

Money Management Project Books

In the 4-H Money Management projects, you will learn how to:  
          

  • process information to make the best economical choices for a given situation

  • use skills or improved practices related to financial literacy and money management

  • effectively communicate with others; to develop and maintain positive relationships with others

  • demonstrate knowledge/skills or improved practices for personal safety

Entrepreneurship Project Books

 

 

 

In the 4-H Entrepreneurships projects, you will learn how to:

 

  • develop marketable and productive skills for work and family life in science and technology 

  • process information to make the best economical choices for a given situation

  • use skills or improved practices related to financial literacy and money management; effectively communicate with others

  • develop and maintain positive relationships with others

  • demonstrate knowledge/skills or improved practices for personal safety

Consumer Education Project Book

 

In the 4-H Consumer Education project, you will learn how to:

  • process information to make the best economical choices for a given situation

  • comparison shop by price, product quality, or store/manufacturer

  • use skills or improved practices related to financial literacy and money management

Craft Idea-Saving Fact Sheet

This lesson plan includes a fact sheet that talks about the importance of saving a little at a time and how that little bit of savings add up in the long run. The lesson plan also includes a hands on recycling project that walks you through the step by step process of creating a paper mache piggy bank out of a water bottle.

Click here to download: Savings-Piggy Bank

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