8th Graders Explore Budgeting in Hands-On Money Management Unit

JEROMESVILLE, Ohio — Eighth-grade students at Hillsdale recently got a real-world taste of budgeting, banking, and lifestyle planning during a four-day Money Management unit in their Transitions class.

Thanks to the support of Mrs. Amy Nalley, a representative from The Ohio State University Extension Office in Ashland County and a proud Hillsdale parent, students explored the realities of personal finance through interactive lessons and a culminating simulation.

Connecting Career Choices to Real-Life Budgets

To begin the unit, each student selected a career and was given an estimated monthly income after taxes. From there, students were guided through important topics such as educational pathways, types of banking accounts, and how to make spending choices based on the money they earn.

The experience wrapped up with a hands-on budgeting simulation. Around the room, students visited different “stations” representing real-life expenses—housing, groceries, childcare, transportation, and more. Based on their earlier career selection and income, they made choices that aligned (or sometimes didn’t!) with their budgets.

When Budgets Balance—and When They Don’t

Some students managed to finish the month with money left over, while others found themselves in the red. This sparked meaningful conversations about financial decision-making and how small choices—like cooking at home or choosing a modest car—can lead to big savings.

“This was a fun and informative experience for our students,” Transitions teacher Mrs. Jennifer Grissinger said. “It helped them see how education, career, and money are all connected. We’re grateful to Mrs. Nalley and OSU Extension for providing valuable learning experiences.”

This interactive unit taught budgeting skills and encouraged students to think critically about their future goals and the steps needed to achieve financial stability.