PACKET "B" THE "MONTHLY FAMILY BUDGETS"
MOST ADULTS DON'T PLAN TO FAIL..... THEY OFTEN TIMES JUST SIMPLY "FAIL TO PLAN"........
HOW TOUGH WILL IT BE TO BECOME AN ADULT? HOW EXPENSIVE CAN IT REALLY BE TO SUPPORT A FAMILY IN THE 21ST CENTURY?
LET'S TAKE A LOOK AT TWO DIFFERENT FAMILY SITUATIONS; TWO DIFFERENT "FAMILY LIFESTYLES".
THESE TWO "LIFESTYLES" WILL BE BASED ON PERSONAL
DECISIONS THAT PEOPLE MAKE AS THEY DECIDE HOW BEST TO
BEGIN THEIR ADULT LIVES.
YOU WILL LEARN TO PAY ALL THE BILLS EVERY FAMILY MUST PAY EVERY MONTH. THIS IS KNOWN AS PAYING YOUR "MONTHLY FAMILY BUDGET".
FIRST, LETS FIND AND PURCHASE A HOME WE WOULD LIKE TO LIVE IN SOME DAY AND A CAR WE WOULD WANT TO OWN
1. FIND A VARIETY OF HOMES USING A SMALL REALTY MAGAZINE.
USING THE BACK SIDE OF PAGE # 2 OF PACKET "B", WRITE
DOWN THE PAGE NUMBER OF HOMES YOU LIKE THAT FIT ALL
FOUR OF THE FOLLOWING CRITERIA
2. EACH HOME ADVERTISEMENT MUST PROVIDE:
* THE TOTAL PRICE OF THE HOUSE
* A LOCATION STATEMENT OR ADDRESS
* THE TOTAL NUMBER OF BEDROOMS (BR) &
BATHROOMS (BR)
* AN EXCELLENT PICTURE OF THE HOUSE &
GROUNDS
3. AFTER FINDING 5-8 POTENTIAL HOMES, SELECT THE ONE
THAT IS RIGHT FOR YOU AND RESPOND IN WRITTEN PHRASES
TO EACH OF THE TOPICS BELOW.
4. PROVIDE 4 SEPARATE ANSWERS IN BRIEFLY WORDED
PHRASES, SEPARATED BY COMMAS, FOR EACH OF THE
QUESTION STATEMENTS.
5. PLACE A SHADED BLOCK AT THE END OF EACH GROUP OF
ANSWERS.
“FUTURE DESIRES ACTIVITY”
HOME: - ADDRESS OF HOME (PLACE A SHADED BLOCK AFTER EACH ANSWER)
- DESCRIBE OUTSIDE OF HOME & LAND AREA FROM
PICTURE
- LIST UPDATES OR IMPROVEMENTS YOU WILL MAKE
LATER TO THE OUTSIDE OF THE HOME OR LAND
- LIST NUMBER OF BR – BR AND INSIDE AMENITIES
- LIST ITEMS OR POSSESSIONS YOU’LL ADD LATER TO THE
INSIDE OF THE HOME
- COPY THE TOTAL COST OF THE HOME (MAKE THIS $65,000.00)
- COPY THE MONTHLY PAYMENT (MAKE THIS $560.00 PER MONTH)
4. NOW USE THE CAR BOOK. GO THROUGH IT IN THE SAME
FASHION AS THE HOUSE BOOK. WRITE DOWN
THE PAGE NUMBERS OF ALL THE CARS
YOU THINK MIGHT MEET YOUR FAMILY NEEDS. BELOW ARE THE
CRITERIA FOR SELECTING A VEHICLE:
- IT MUST BE A FAMILY VEHICLE
- MINI-VAN, LARGE 4 DOOR TRUCK OR 4 DOOR CAR
- STATION WAGON, SPORT UTILITY VEHICLE
- DON'T SPEND MORE THAN $ 27,000.00
5. ONCE YOU LOCATE YOUR VEHICLE ANSWER THE QUESTIONS
BELOW ON YOUR PACKET "A" WORKSHEET:
CAR:
- LIST THE MAKE, MODEL, & YEAR (MAKE IT 2014 FORD EXPLORER) (SHADED BLOCK)
- TOTAL COST (MAKE IT $23,500.00) (SHADED BLOCK)
/
- MONTHLY PAYMENT (MAKE IT $475.00) (SHADED BLOCK)
6. NOW TAKE A GUESS AT HOW MUCH 18-20 MORE
BILLS MIGHT COST EVERY MONTH. NOW, TAKE A GUESS AT HOW
MUCH YOUR YEARLY SALARY MIGHT HAVE TO BE SOMEDAY
WHEN YOU ARE TRYING TO RAISE YOUR OWN FAMILY.
THE FIRST "FAMILY LIFESTYLE" WILL BE BASED ON WHAT WE
WILL CALL THE "DREAM BUDGET". THIS FIRST SCENARIO
INVOLVES YOU BEING A SKILLED WORKER WHO HAS BECOME
QUALIFIED AT YOUR JOB BY THE TRAINING YOU RECEIVED AT
THE YTI CAREER INSTITUTE. YOU ARE A MEDICAL RECORDS
TECHNICIAN. YOU MAKE A GOOD WAGE AND HAVE GOOD
BENEFITS BECAUSE YOU ARE A SKILLED AND LICENSED
WORKER.
THE SECOND "FAMILY LIFESTYLE" WILL BE BASED ON WHAT WE
WILL CALL THE "LEAN BUDGET". THIS SECOND SCENARIO
IS BASED ON YOU BEING AN UNSKILLED WORKER WHO
ENTERED THE WORKFORCE DIRECTLY AFTER HIGH SCHOOL
GRADUATION. YOU DID NOT WISH TO PURSUE ANY TYPE OF
AFTER GRADUATION JOB TRAINING. YOU WILL BE MAKING A
MUCH LOWER WAGE AS AN UNSKILLED WORKER WITH FEWER
OR NO BENEFITS.
FOLLOW ALL THE DIRECTIONS BELOW, AND ON YOUR CLASS
COPY OF PACKET "B", TO EXPERIENCE THE DIFFERENCES IN
"FAMILY LIFESTYLE" BETWEEN WORKERS WHO HAVE
UNDERTAKEN SKILLED TRAINING, AND THOSE WHO HAVE NOT.
USE THE FINANCIAL TOTALS BELOW ON THE FRONT PAGE OF
PACKET "B" TO SET UP BUDGET # 1, “THE DREAM BUDGET”.
DETERMINE HOW MANY PEOPLE LIVE IN YOUR HOME AND LOOK
DOWN THAT COLUMN FOR EACH OF THE 6 “PARENT BILLS”
BELOW.
MAKE SURE YOU HAVE PLACED A SMALL (p) IN A CIRCLE TO THE
OUTSIDE LEFT OF EACH PARENT BILL.
FILL IN YOUR MONTHLY HOUSE & CAR PAYMENTS FIRST. THEY
CAN BE FOUND ON YOUR “FUTURE DESIRES” ACTIVITY SHEET
FROM PACKET “A” PAGE # 2.
8 SEPARATE “PARENT BILLS”
1-3 in FAMILY 4 IN FAMILY 5 OR MORE
HEATING BILL
$ 100.00 $ 125.00 $ 135.00
ELECTRIC BILL
$ 45.00 $ 55.00 $ 60.00
WATER/SEWER BILL
$ 40.00 $ 45.00 $ 50.00
HOME PHONE BILL
$ 40.00 $ 50.00 $ 60.00
CABLE BILL
$ 50.00 $ 55.00 $ 65.00
GROCERY BILL
$ 370.00 $ 385.00 $ 400.00
REMEMBER, YOUR MONTHLY “HOUSE PAYMENT” IS ALSO A “PARENT BILL”
REMEMBER, YOUR MONTHLY “CAR PAYMENT” IS ALSO A “PARENT BILL”
ALL “PARENT BILLS” REMAIN THE SAME FOR EACH BUDGET
BUDGET # 1 WILL BE CALLED “THE DREAM BUDGET” (YOU GET JOB TRAINING & ARE A SKILLED WORKER)
$30,000.00 YEARLY INCOME
$2,500.00 MONTHLY INCOME
LABEL THESE TOTALS INSIDE THE PARENTHESES AT TOP OF YOUR BUDGET # 1 WORKSHEET
BUDGET # 2 WILL BE CALLED “THE LEAN BUDGET”
(YOU DECLINE JOB TRAINING & ARE A LOW WAGE WORKER)
$18,000.00 YEARLY INCOME
$1,500.00 MONTHLY INCOME
LABEL THESE TOTALS INSIDE THE PARENTHESES AT THE TOP OF YOUR BUDGET # 2 WORKSHEET
THE CHART BELOW LISTS BILLS CALLED “CLASS BILLS”. THEY
CHANGE WITH EACH NEW BUDGET.
FILL THEM IN ON YOUR BUDGET SHEET PLACING A SMALL © IN A CIRCLE TO THE OUTSIDE LEFT OF EACH BILL NAME.
“CLASS BILLS”
BUDGET # 1 BUDGET # 2 BUDGET # 3
HOUSE INSURANCE
$ 75.00 $ 50.00 $ 0.00
CAR INSURANCE
$ 90.00 $ 75.00 $ 75.00
PROPERTY TAXES
$ 80.00 $ 65.00 $ 0.00
SCHOOL TAXES
$ 75.00 $ 50.00 $ 0.00
MONTHLY DOCTOR BILL
$ 50.00 $ 40.00 $ 30.00
MONTHLY DENTIST BILL
$ 40.0 $ 30.00 $ 30.00
NOW THAT ALL 8 OF YOUR “PARENT BILLS” AND ALL 6 OF YOUR “CLASS BILLS” HAVE BEEN ADDED TO THE BUDGET # 1 SHEET, NOTICE THAT THERE ARE SIX BILLS THAT HAVE NOT HAD AN EXPENSE AMOUNT APPLIED YET.
PENCIL IN A STAR (OR AN ASTERISK) TO THE OUTSIDE LEFT OF EACH OF THESE SIX BILLS AND ENCLOSE THAT STAR (OR ASTERISK) IN A SMALL CIRCLE.
THESE ARE YOUR “NON-NECESSITY” BILLS. THEY MUST BE PAID LAST; THEY CAN’T BE LEFT UNPAID.
THEY MUST ALL BE ASSIGNED RESPECTABLE MONETARY AMOUNTS REPRESENTATIVE OF THE NEEDS OF A FAMILY. PAY THESE SIX BILLS ONLY AFTER ALL THE PARENT AND CLASS BILLS HAVE ALREADY BEEN PAID.
NOW LOOK AT THE WORKSHEET EXAMPLE BELOW. MAKE SURE
EACH OF YOUR BILLS HAVE BEEN SYMBOLIZED PROPERLY; AND
THAT THE CORRECT BILL AMOUNTS FROM YOUR DATA BASE
CHARTS HAVE BEEN ENTERED ON THE LINES TO THE RIGHT OF
EACH BILLS TITLE.
Dream BUDGET # _1___ NAME ______________
INCOME: YEAR ($ 30,000.00) MONTHLY ($ 2,500.00)
(P) HOME/RENT (P) CAR PAYMENT
PAYMENT: 1) ________ 1) _________
* address/rooms year/make& model
____________________ ______________
____________________ __________________
(C) HOUSE INSURANCE: _____ (C) CAR INSURANCE: ____
(X) CREDIT CARD: _____ (P) CABLE BILL: _______
(P) HEATING BILL: ______ (P) ELECTRIC BILL: ______
(P) WATER/SEWER: ______ (P) PHONE BILL: ________
(C) PROPERTY TAXES ____ (C) SCHOOL TAXES: ______
(X) RECREATION: _____ (P) GROCERIES: ________
(C) DOCTOR BILL: _____ (C) DENTIST BILL: ______
(X) CLOTHES: _____ (X) POCKET MONEY: _____
(X) SAVINGS ACCT. ______ (X) CELL PHONE: _________
LOOK NOW AT YOUR CLASS COPY OF PACKET "B". TURN YOUR BUDGET # 1 SHEET TO THE REVERSE SIDE. IN THE GRAPHIC YOU SEE THE $ 2,500.00; THAT FIGURE REPRESENTS YOUR INCOME FOR THE MONTH.
THE SIX NAMED CIRCLES COMING OFF THE GRAPHIC REPRESENT THE 6 "NON-NECESSITY" BILLS YOU WILL HAVE TO PAY AFTER YOUR 14 "NECESSITY BILLS" HAVE BEEN PAID.
HERE'S THE STEPS YOU'LL FOLLOW:
1. ADD ALL THE “NECESSITY BILLS” ON THE FRONT OF YOUR
BUDGET WORKSHEET
2. ONLY “PARENT BILLS” AND “CLASS BILLS” ARE NECESSITIES ON
BUDGET # 1
3. “PARENT”, “CLASS”, AND “NON-NECESSITY BILLS” ARE
ALL CONSIDERED “NECESSITY BILLS” DOING BUDGET # 2
4. PLACE YOUR TOTAL EXPENSES BELOW YOUR MONTHLY
INCOME INSIDE THE LARGE CIRCLE ON THE BACK OF YOUR
BUDGET WORKSHEET
5. SUBTRACT WHAT YOU SPENT PAYING YOUR BILLS ON THE
FRONT FROM YOUR MONTHLY INCOME
6. ENTER THE MONEY LEFT OVER BENEATH THE COMPUTATION
LINE AND BEGIN TO USE THOSE REMAINING FUNDS TO PAY
YOUR SIX NON-NECESSITY BILLS.
7. ENTER YOUR NON-NECESSITY BILL AMOUNTS ON THE BACK
INSIDE THE CIRCLES AS WELL AS ON THE FRONT OF THE
WORKSHEET TO THE RIGHT OF THE BILL TITLE.
THAT WAS EASY RIGHT? YOU CAN’T WAIT TO BE AN ADULT AND FULL OF RESPONSIBILITIES, RIGHT?
REMEMBER, BUDGET # 1 WAS BASED ON YOU HOLDING A SKILLED JOB. YOU WERE HIRED FOR THAT JOB BECAUSE OF THE QUALIFICATIONS YOU HELD BECAUSE YOU WENT TO A TECHNICAL SCHOOL FOR 2 YEARS AFTER GRADUATING HIGH SCHOOL TO LEARN THE JOB YOU WERE HIRED FOR.
BUDGET # 2 IS CALLED THE “LEAN BUDGET”. COPY ITS NAME IN THE UPPER LEFT CORNER OF YOUR BUDGET SHEET # 2.
THIS BUDGET IS BASED ON YOU NOT SPENDING ANY TIME AFTER GRADUATING HIGH SCHOOL TO LEARN A SKILLED JOB.
FILL IN YOUR YEARLY AND MONTHLY INCOMES AS INDICATED SEVERAL PAGES AGO. NOW USE BUDGET # 1 AS A RESOURCE TO MARK ALL “PARENT”, “CLASS”, AND “NON-NECESSITY” BILLS WITH A SMALL (p), ©, AND AN (*).
COPY ONLY THE ORIGINAL PARENT BILL TOTALS BESIDE EACH
BILL. USE THE “CLASS BILLS” CHART ON PAGE # 2 OF PACKET "A" TO ENTER THE CLASS BILLS FOR BUDGET # 2.
NOW ENTER $40.00 (AS A MINIMUM) IN EACH OF THE 6 NON-
NECESSITY BILLS ON THE FRONT & BACK OF THE SHEET.
LOOK AT THE SAMPLE BELOW AS A GUIDE TO PROPERLY SETTING UP YOUR BUDGET # 2 WORKSHEET.
COMPLETE ALL YOUR WORK INSIDE YOUR CLASS COPY OF PACKET “B”.
LEAN BUDGET # _2___ NAME _________
INCOME: YEAR ($ 18,000.00) MONTHLY ($ 1,500.00)
(P) HOME/RENT (P) CAR PAYMENT
PAYMENT: 1) _____ (Orig. Price) year/make 1) ______(Orig. Price)
* address 2) _____ (- $150) model 2) _____ (-$80)
(C) HOUSE INSURANCE: ____ (C) CAR INSURANCE: ________
(X) CREDIT CARD: ____ (P) CABLE BILL: ______
(P) HEATING BILL: ___ (P) ELECTRIC BILL: ______
(P) WATER/SEWER: ___ (P) PHONE BILL: ______
(C) PROPERTY TAXES ___ (C) SCHOOL TAXES: _____
(X) RECREATION: _______ (P) GROCERIES: ______
(C) DOCTOR BILL: ______ (C) DENTIST BILL: ____
(X) CLOTHES: ______ (X) POCKET MONEY: ____
(X) SAVINGS ACCT. ___ (X) CELL PHONE: ____
USE YOUR BUDGET # 1 SHEET AS A RESOURCE TO BEGIN BUDGET # 2.
1. NOW BEGIN TO ADD YOUR MONTHLY EXPENSES USING YOUR
REDUCED INCOME.
2. GO DOWN THE LEFT SIDE OF YOUR BUDGET SHEET. CAREFULLY
ADD EVERY PARENT, CLASS, AND NON-NECESSITY BILL. BEGIN
WITH YOUR HOUSE PAYMENT.
3. CONTINUE ADDING THE RIGHT SIDE OF YOUR BUDGET SHEET.
CONTINUE WITH THE"CAR PAYMENT" AND ADD EVERY
PARENT CLASS, AND NON-NECESSITY BILL.
5. IF THE TOTAL EXPENSES YOU ARRIVE AT ARE MORE THAN
YOUR $1,500.00 INCOME,YOU MUST NOW BEGIN TO CLOSELY
FOLLOW THE “STEPS SHEET” LOCATED ON PAGE # 5 OF YOUR
CLASS COPY OF PACKET "B" .
SEE A SAMPLE OF THE “STEPS SHEET” BELOW
THE "STEPS SHEET"
I. LABEL ALL “PARENT BILLS” & FILL IN SAME TOTALS FROM
BUDGET # 1
II. LABEL ALL “CLASS BILLS” & FILL IN NEW LOWER TOTALS FOR
BUDGET 2
III. LABEL ALL 6 “NECESSITY BILLS” & FILL IN $40.00 FOR EACH
OF THEM
ADD ALL BILLS FROM BOTH COLUMNS BEGINNING WITH HOME & CAR # 2
IF BILLS TOTAL MORE THAN $1500.00 , GIVE UP THE FOLLOWING
BILLS ONE AT A TIME. RE-AD ALL REMAINING BILLS AFTER EACH
TIME YOU CHANGE YOUR BUDGET. YOUR GOAL IS TO GET YOUR
EXPENSES BELOW $1,500.00.
CLOTHES BILL (CHANGE TOTAL FRONT & BACK & RE-ADD YOUR
ENTIREBUDGET)
CELL PHONE BILL
HOME PHONE BILL
CABLE BILL
SAVINGS ACCOUNT
REMEMBER, RE-ADD BILLS EACH TIME CHANGING ALL TOTALS
FROM THE OLD AMOUNT TO THE NEW AMOUNT. YOU MUST JOT A
BRIEF NOTE BELOW EACH ALTERED BILL DESCRIBING THE
REDUCTION YOU MADE
(EXAMPLE: REDUCED BY $60.00)
IF ALL REMAINING BILLS IN BOTH COLUMNS STILL TOTAL MORE THAN $1500.00 REDUCE THE FOLLOWING BILLS BY THESE AMOUNTS ONLY
i. GROCERY BILL (REDUCE BY $70.00 1 TIME ONLY)
ii. CREDIT CARD (REDUCE BY $10.00 ONCE ONLY)
iii. RECREATION (REDUCE BY $10.00 ONCE ONLY)
iv. SPENDING MONEY (REDUCE BY $10.00 ONCE ONLY)
ALL “NECESSITY BILL” CHANGES HAVE TO BE SHOWN ON THE FRONT & BACK OF YOUR BUDGET WORKSHEET
- AFTER EVERY BILL REDUCTION ALLOWED, SHOW THE FINAL TOTAL OF MONEY NEEDED TO PAY YOUR BILLS ON THE GRAPHIC ON THE BACK
- IF YOU WERE NOT ABLE TO GET YOUR BILLS BELOW $1,500.00, SHOW THE FINAL TOTAL ON THE BACK INSIDE THE GRAPHIC UNDER THE $1,500.00
- SHOW THE AMOUNT YOU WERE OVER BUDGET AS A NEGATIVE NUMBER UNDER THE SUBTRACTION PROBLEM INSIDE THE GRAPHIC.
SEE THE “LEAN BUDGET CHECKLIST” BELOW.
USE IT TO DETERMINE IF YOU HAVE COMPLETED ALL CHANGES
AND ALTERATIONS TO BUDGET # 2 THAT THE “STEPS SHEET”
CALLS FOR.
DOUBLE CHECK YOUR BUDGET # 2
DID YOU MAKE ALL THESE REDUCTIONS?
DID YOU WRITE “REDUCTION NOTES” ON THE FRONT UNDER THE BILL?
DID YOU SHOW ALL YOUR FINANCIAL CHANGES ON FRONT & BACK?
1) HOUSE AND CAR # 2 ________
2) CLOTHES BILL $ 0.00 ________
3) CELL PHONE $ 0.00 ________
4) HOME PHONE $ 0.00 ________
5) CABLE BILL $ 0.00 ________
6) SAVINGS ACCOUNT $ 0.00 ________
YOU CAN REDUCE THE FOLLOWING BILLS ONLY BY THE AMOUNT SHOWN AND ONE TIME ONLY
1) REDUCE GROCERY BILL BY: $ 70.00 ________
2) REDUCE POCKET MONEY BY: $ 10.00 ________
3) REDUCE CREDIT CARD BY: $ 10.00 ________
4) REDUCE RECREATION BY: $ 10.00 ________
SO, IT CAN BE VERY CHALLENGING TO BE AN ADULT AND KEEP THE FAMILY BILLS PAID. IF YOU HAPPEN TO BE A LOWER WAGE EARNER, LIFE WILL BE A LOT TOUGHER THAN YOU MIGHT HAVE THOUGHT IT WOULD BE.
IF YOU FAILED TO MAKE THE "LEAN BUDGET" WORK, YOU WILL NEED TO RENT AN APARTMENT YOU CAN AFFORD, WHEREVER IN THE CITY YOU CAN AFFORD TO LIVE.
TO FINISH UP PACKET "B"
COMPOSE, ON THE REVERSE SIDE OF PAGE 5, USING COMPLETE
THOUGHT STATEMENTS, THE TEN THINGS YOU DISCOVERED
DOING THE TWO FAMILY BUDGETS, TO BE THE WORST ASPECTS
OF TRYING TO RAISE A FAMILY ON A LOWER WAGE INCOME. WE'RE GOING TO USE A SPECIAL KIND OF SENTENCE CALLED A "2 PART STATEMENT". IN THE FIRST PART OF THE SENTENCE YOU WRITE A FACT THAT IS AN UNDESIRABLE ASPECT OF LIVING WITH A LOW INCOME. IN THE 2ND PART OF THE SENTENCE YOU MUST EXPLAIN A REALISTIC CONSEQUENCE TO YOU OR INDIVIDUAL MEMBERS OF YOUR FAMILY.
LOOK AT THE SAMPLE "2 PART STATEMENT" BELOW:
WE CAN ONLY AFFORD TO LIVE IN A SMALL APARTMENT IN A NEIGHBORHOOD WE DO NOT LIKE SO OUR KIDS HAVE NO BACK YARD OF THEIR OWN TO PLAY IN.
WE COULD ONLY AFFORD A REALLY OLD VEHICLE THAT SEEMS LIKE IT IS CONSTANTLY BREAKING DOWN SO I FIND MYSELF HAVING TO RIDE A BUS TO WORK REGULARLY WHICH IS VERY EXPENSIVE.
NOW LETS DO A FINISH UP WRITING ACTIVITY
GO TO THE START BUTTON ON YOUR LAPTOP;
IN THE "SEARCH PROGRAMS AND FILES " BOX TYPE IN THE TWO WORD PHRASE MICROSOFT WORD.
SELECT MICROSOFT WORD FROM THE GENERATED LIST.
ONCE A BLANK WORD DOCUMENT COMES UP CLICK "SAVE AS" & SELECT WORD 2007 TO THE RIGHT
SCROLL DOWN & FIND YOUR H:/ DRIVE ACCOUNT
DOUBLE CLICK ON THE H:/ DRIVE
DOUBLE CLICK ON THE "CAREERS" FOLDER
WHERE IT SAYS "DOC.1" TYPE IN THE NAME OF THE FILE YOU WILL FIND ON THE RUBRICK ON THE REAR SIDE OF PAGE # 6
FILE NAME: FAMILY PROBLEMS AND LOW WAGE JOBS
ONCE YOU HAVE A NEW BLANK WORD FILE, COPY THE FOLLOWING INTRODUCTION USING A SIZE 14 FONT:
AFTER COMPLETING WORK ON THE TWO MONTHLY FAMILY BUDGETS, I HAVE DETERMINED THAT I HAVE A STRONG SET OF OPINIONS ABOUT LIVING THE LIFESTYLE OF A LOWER WAGE WORKER. I FEEL I NOW UNDERSTAND THE SERIOUS CONSEQUENCES MY CAREER CHOICE WILL HAVE ON THE PEOPLE WHO WILL RELY ON ME SOMEDAY.THE FOLLOWING TEN STATEMENTS ARE EXAMPLES OF SOME OF THE THINGS I MOST WANT TO AVOID ONCE I AM AN ADULT AND RESPONSIBLE FOR THE HAPPINESS AND WELL BEING OF MY OWN FAMILY.
DO THIS NEXT:
NOW, USING A BULLETED LIST, CAREFULLY TYPE THE TEN STATEMENTS YOU COMPOSED FROM THE BACK OF PAGE 5 OF PACKET "B" THAT DEPICT THE WORST TEN ASPECTS OF TRYING TO RAISE A FAMILY ON A LOWER WAGE INCOME.
ENTER DOWN TWO SPACES AND COPY THIS PHRASE:
AND OF ALL THE ATTRIBUTES I'VE LISTED ABOVE, THE ONE I FIND MOST FRIGHTENING AND MOST WANT TO AVOID IS........
NOW SELECT, what is in your opinion, THE STATEMENT THAT REflects YOUR WORST FEAR of a low wage future
WRITE AN "EXAMPLE RICH" 7-10 SENTENCE PARAGRAPH ILLUSTRATING ALL THE MANY REASONS WHY THAT SINGLE THING IS IN FACT YOUR WORST FEAR OF A LOW WAGE LIFESTYLE.
when you've finished:
select the 2nd most troubling fact from your list above. compose another "example rich" 7-10 sentence paragraph describing your fears of this second attribute becoming a fact of life for low wage workers.
when you've finished:
select the 3rd most troubling fact from your list above. compose another "example rich" 7-10 sentence paragraph describing your fears of this third attribute becoming a fact of life for low wage workers.
make sure you proof-read each of your paragraphs and make all corrections necessary.
TO SAVE YOUR WORK:
CLICK ON YOUR "OFFICE BUTTON" AT THE TOP LEFT OF THE SCREEN
SELECT: SAVE AS "WORD 97-2003 DOCUMENT"
SCROLL SLIDE BAR DOWN LEFT SIDE OF SCREEN
SELECT "COMPUTER"
SELECT YOUR H: DRIVE FOLDER WITH YOUR STUDENT I.D. AND SELECT IT
NOW TYPE IN THE NAME OF THE FILE YOU ARE SAVING;
NAME IT: FAMILY PROBLEMS AND LOW WAGE JOBS
SELECT: SAVE AS "WORD 97-2003 DOCUMENT"
SCROLL SLIDE BAR DOWN LEFT SIDE OF SCREEN
SELECT "COMPUTER"
SELECT YOUR H: DRIVE FOLDER WITH YOUR STUDENT I.D. AND SELECT IT
NOW TYPE IN THE NAME OF THE FILE YOU ARE SAVING;
NAME IT: FAMILY PROBLEMS AND LOW WAGE JOBS