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Do I ReallyDo I Really Fascinating FactsFascinating Facts NEED It?NEED It? •• People are learning that they must be smarterPeople are learning that they must be smarter about money. Because of this, books aboutabout money. Because of this, books about saving money and making good economicsaving money and making good economic choices are now bestsellers.choices are now bestsellers. •• Children as young as three years of ageChildren as young as three years of age recognize brand names and images.recognize brand names and images. •• The United States has more opportunities toThe United States has more opportunities to earn, save, and spend than any other country.earn, save, and spend than any other country. GenreGenre Comprehension SkillComprehension Skill Text FeaturesText Features Nonfi ctionNonfi ction SequenceSequence • Glossary• Glossary • Chart• Chart Scott Foresman Social StudiesScott Foresman Social Studies ì<(sk$m)=beidej<ì<(sk$m)=beidej<ISBNISBN 0-328-14834-20-328-14834-2 +^-Ä-U-Ä-U+^-Ä-U-Ä-U by Maureen Blaney Flietnerby Maureen Blaney Flietnerby Maureen Blaney Flietnerby Maureen Blaney Flietner
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In this book, you will read about theworld of money. You will read about Write to It!When we earn money and make aDo I Really how money is a part of all our lives. budget, we can buy what we needNEED It? and what we want. We also can save money to pay for our needs and wants Vocabulary in the future. Write two sentences about savings something that you might want to save up budget to buy. nonrenewable resources renewable resources Write your sentences on a separate sheet of paper. supply demand Photographs Every effort has been made to secure permission and provide appropriate credit for photographic material. The publisher deeply regrets any omission and pledges to correct errors called to its attention in subsequent editions. Unless otherwise acknowledged, all photographs are the property of Scott Foresman, a division of Pearson Education. Photo locators denoted as follows: Top (T), Center (C), Bottom (B), Left (L), Right (R), Background (Bkgd). Opener: Getty Images2 ©Myrleen Ferguson Cate/PhotoEditby Maureen Blaney Flietner 3 ©Scott Barbour/Getty Images 4 Paul Redman/Getty Images 5 ©Darama/Corbis 6 Getty Images 8 ©Craig Aurness/Corbis ISBN: 0-328-14834-2 10 ©Joel Stettenheim/CorbisEditorial Offices: Glenview, Illinois • Parsippany, New Jersey • New York, New York Copyright © Pearson Education, Inc. All Rights Reserved. Printed in the 11 ©Grishkin Denis/ITAR-TASS/Corbis United States of America. This publication or parts thereof, may be used with appropriate 12 ©James L. Amos/CorbisSales Offices: Needham, Massachusetts • Duluth, Georgia • Glenview, Illinois equipment to reproduce copies for classroom use only. 13 ©Spencer Grant/PhotoEditCoppell, Texas • Sacramento, California • Mesa, Arizona 14 Getty Images 1 2 3 4 5 6 7 8 9 10 V0G1 14 13 12 11 10 09 08 07 06 05 15 Tom Stewart/Corbis
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It Is Your Money Nickels. Dimes. Quarters. Dollars. You may have some money saved up. How did you get it? Did you earn your money? Money can be earned when you work at a job. Maybe you fed the cat. What do you do with your money? Are you spending? When you spend money, you use it to buy something. Maybe you put your money into savings. When you save, you keep your money to use later. 2 3
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What Do You Really Need? A need is something you must have. Food, clothing, and a place to live are needs. The things we need cost money. You may think you need something. Then you must decide if you can live without it. So Many Things to Want! A want is something you would like to have, but that you can live without. You may want a new music CD and fancy shoes, but they are not needs. What is something you want? Why do you want it? Businesses want you to buy the things they sell so they can earn money. You must decide if what they want you to buy is something you really need. 4 5
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Plan Ahead Make a budget for a bicycle that will Do you think about what you are going cost $100. Suppose your allowance and to do this weekend? You are planning job money add up to $10 a week. If ahead. you save all of it, you could save enough Think about the future and your money. money to buy the bicycle in 10 weeks. If If you saved your money for three months, you save only $5 each week and spend how much would you have? What would $5 each week, it would take 20 weeks to you do with it? You should have a goal for get your bike. your money. Make a Plan for Your Money Saving for a Bicycle You can reach your goal by making a Week 1 $10 Week 2 $10 budget. A budget is a plan for how to Week 3 $10 spend and save your income. Week 4 $10 Week 5 $10 Week 6 $10 Week 7 $10 Week 8 $10 Week 9 $10 Week 10 $10 Total $100 6 7
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Budgets Work for Families Budgets are good for families. If your family has a budget, it will be a plan that shows how your family will pay for its needs and wants. A family should pay for all of its needs first and then for its wants. Saving Helps Everybody Families can save money in many ways. Turn off the lights when you are not using them. Your family may pay less for electricity. The world may use less coal and gas to make more electricity. Coal and gas are nonrenewable resources. That means these resources cannot be made again. Wind and water are renewable resources. They can be made again. 8 9
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Many Toys and No Toys Sometimes when a new toy comes out everybody wants it. At first the supply is big. Because the new toy is something many children want, there is a big demand for it. If the demand is bigger than the supply, the supply may run out. Then there are no more toys left to buy. Months later, you find that the toy is in You Choose the store again. This time there is not much Suppose you would like a music CD or demand so it is on sale. a video game. You decide you want the music CD. When you choose one item instead of another, you are making a choice. Remember our sample budget? If you buy the music CD, it will change your budget because you will be spending and not saving. It will take you longer to save for the bicycle. 10 11
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Learn Before You Spend You want to learn about bicycles before you spend your money. You can read about bicycles at the library. You can visit stores to see bicycles and their prices. You finally decide on a company that has the bicycle you want. The company has buildings, tools, and workers to make the bicycles. You Made a Budget and Reached Your Goal! The big day is here! You saved $100 for your bicycle. Your $100 goes to the owner of the bicycle store. The owner pays the people who work at the store. The owner pays the people who make the bicycles. The owner pays a tax, or money for the government. Finally, the owner keeps the profit, or the money left over. 12 13
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Money Moves Through Many Hands The money you earned and spent on the bicycle has now gone to other people. People earn money by providing goods or services. Those people take that money and spend it or save it for things that they need or want. Make Smart Choices In our sample budget, you saved for a bicycle. You made choices about how much to save and how much to spend. Now you can make a real budget. If you are smart with your money and learn more about it, you will have enough money for your needs and your wants. 14 15
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Glossary In this book, you will read about the Write to It! budget a plan for your income, savings, When we earn money and make a world of money. You will read about and spending budget, we can buy what we need how money is a part of all our lives. demand the number of goods or and what we want. We also can save services that people want and will buy money to pay for our needs and wants Vocabulary in the future. Write two sentences about at a given pricesavings something that you might want to save up nonrenewable resourcesbudget supplies to buy. that cannot be made againnonrenewable resources renewable resourcesrenewable resourcessupplies that can Write your sentences on a separate sheet be created naturally of paper. supply savings money you have kept fordemand future use supply the number of goods or services that producers are willing to make at a given price Photographs Every effort has been made to secure permission and provide appropriate credit for photographic material. The publisher deeply regrets any omission and pledges to correct errors called to its attention in subsequent editions. Unless otherwise acknowledged, all photographs are the property of Scott Foresman, a division of Pearson Education. Photo locators denoted as follows: Top (T), Center (C), Bottom (B), Left (L), Right (R), Background (Bkgd). Opener: Getty Images 2 ©Myrleen Ferguson Cate/PhotoEdit 3 ©Scott Barbour/Getty Images 4 Paul Redman/Getty Images 5 ©Darama/Corbis 6 Getty Images 8 ©Craig Aurness/Corbis ISBN: 0-328-14834-2 10 ©Joel Stettenheim/Corbis Copyright © Pearson Education, Inc. All Rights Reserved. Printed in the 11 ©Grishkin Denis/ITAR-TASS/Corbis United States of America. This publication or parts thereof, may be used with appropriate 12 ©James L. Amos/Corbis equipment to reproduce copies for classroom use only. 13 ©Spencer Grant/PhotoEdit 14 Getty Images 1 2 3 4 5 6 7 8 9 10 V0G1 14 13 12 11 10 09 08 07 06 05 15 Tom Stewart/Corbis 16
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