PersonalManagement.docx

PersonalManagement.docx

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PersonalManagement

PersonalManagement

MeritBadgeWorkbook

Thisworkbookcanhelpyoubutyoustillneedtoreadthemeritbadgepamphlet（book）.NoonecanaddorsubtractfromtheBoyScoutRequirements#33215.MeritBadgeWorkbooksandmuchmorearebelow:

OnlineResources.

Worksheetdeveloper:

craig@.Requirementsrevised:

2003,Workbookupdated:

November2008.

Scout’sName:

Unit:

Counselor’sName:

Counselor’sPh#:

1.Dothefollowing:

a.Chooseanitemthatyourfamilymightwanttopurchasethatisconsideredamajorexpense.

b.Writeaplanthattellshowyourfamilywouldsavemoneyforthepurchaseidentifiedinrequirement1a.

1.Discusstheplanwithyourmeritbadgecounselor.

2.Discusstheplanwithyourfamily.

3.Discusshowotherfamilyneedsmustbeconsideredinthisplan.

c.Developawrittenshoppingstrategyforthepurchaseidentifiedinrequirementla.

1.Determinethequalityoftheitemorservice（usingconsumerpublicationsorratingssystems）.

2.Comparisonshopfortheitem.Findoutwhereyoucanbuytheitemforthebestprice.（Providepricesfromatleasttwodifferentpricesources.）

Callaround;studyads.Lookforasaleordiscountcoupon.Consideralternatives.

Canyoubuytheitemused?

Shouldyouwaitforasale?

2.Dothefollowing:

a.Prepareabudgetreflectingyourexpectedincome（allowance,gifts,wages）,expenses,andsavings.

SampleBudgetPlan

BudgetedAmounts

ActualAmounts

Tot.Actual-Tot.Budget

IncomeSources

perWeek

Month1

Month2

Month3

Total

Month1

Month2

Month3

Total

Allowance

Gifts

Wages

Other

IncomeTotals

Expenses

perWeek

Month1

Month2

Month3

Total

Month1

Month2

Month3

Total

Act.-Budget

Savings-payyourself1st

Donations/Charity

Food/Mealsout

Clothing

Entertainment/Movies

CDs/DVDs,etc.

Recreation

Sports/Hobbies

Travel

Books/Magazines

Gifts

Other:

ExpenseTotals

Income-Expenses

Trackyouractualincome,expenses,andsavingsfor13consecutiveweeks.（Youmayusetheformsprovidedinthispamphlet,deviseyourown,oruseacomputer-generatedversion.）Whencomplete,presenttheresultstoyourmeritbadgecounselor.

b.Compareexpectedincomewithexpectedexpenses.

1.Ifexpensesexceedincome,determinestepstobalanceyourbudget.-or-

2.Ifincomeexceedsexpenses,statehowyouwouldusetheexcessmoney（newgoal,savings）.

Trackyouractualincome,expenses,andsavingsfor13consecutiveweeks.Page1of3

DateDescriptionDepositWithdrawalBalance

OpeningBalance

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Trackyouractualincome,expenses,andsavingsfor13consecutiveweeks.Page2of3

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Trackyouractualincome,expenses,andsavingsfor13consecutiveweeks.Page3of3

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3.DiscusswithyourmeritbadgecounselorFIVEofthefollowingconcepts:

a.Theemotionsyoufeelwhenyoureceivemoney.

b.Yourunderstandingofhowtheamountofmoneyyouhavewithyouaffectsyourspendinghabits.

c.Yourthoughtswhenyoubuysomethingnew

andyourthoughtsaboutthesameitemthreemonthslater.

Explaintheconceptofbuyer'sremorse.

d.Howhungeraffectsyouwhenshoppingforfooditems（snacks,groceries）.

e.Yourexperienceofanitemyouhavepurchasedafterseeingorhearingadvertisementsforit.Didtheitemworkaswellasadvertised?

f.Yourunderstandingofwhathappenswhenyouputmoneyintoasavingsaccount.

g.Charitablegiving.Explainitspurpose

andyourthoughtsaboutit.

h.Whatyoucandotobettermanageyourmoney.

4.Explainthefollowingtoyourmeritbadgecounselor:

a.Thedifferencesbetweensaving

andinvesting,

includingreasonsforusingoneovertheother.

b.Theconceptsofreturnoninvestment

andrisk.

c.Theconceptsofsimpleinterest

andcompoundinterest

andhowtheseaffectedtheresultsofyourinvestmentexercise.

5.Selectfivepubliclytradedstocksfromthebusinesssectionofthenewspaper.Explaintoyourmeritbadgecounselortheimportanceofthefollowinginformationforeachstock:

a.Currentpricec.The52-weekhighandthe52-weeklowprices

b.Howmuchthepricechangedfromthepreviousday

StockCurrentPrice1DayChange52wkHigh52wkLow

6.Pretendyouhave$1,000tosave,invest,andhelpprepareyourselfforthefuture.Explaintoyourmeritbadgecounselortheadvantagesordisadvantagesofsavingorinvestingineachofthefollowing:

AdvantagesDisadvantages

a.Commonstocks

b.Mutualfunds

c.Lifeinsurance

d.Acertificate

ofdeposit（CD）

e.Asavingsaccount

orU.S.savingsbond

7.Explaintoyourmeritbadgecounselorthefollowing:

a.Whataloanis,

whatinterestis,

andhowtheannualpercentagerate（APR）measuresthetruecostofaloan.

b.Thedifferentwaystoborrowmoney.

c.Thedifferencesbetweenachargecard,

debitcard,

andcreditcard.

Whatarethecostsandpitfallsofusingthesefinancialtools?

Explainwhyitisunwisetomakeonlytheminimumpaymentonyourcreditcard.

d.Creditreports

andhowpersonalresponsibilitycanaffectyourcreditreport.

e.Waystoreduceoreliminatedebt.

8.Demonstratetoyourmeritbadgecounseloryourunderstandingoftimemanagementbydoingthefollowing:

a.Writea"todo"listoftasksoractivities,suchashomeworkassignments,chores,andpersonalprojects,thatmustbedoneinthecomingweek.Listtheseinorderofimportancetoyou.

b.Makeaseven-daycalendarorschedule.Putinyoursetactivities,suchasschoolclasses,sportspracticesorgames,jobsorchores,and/orScoutorchurchorclubmeetings,thenplanwhenyouwilldoallthetasksfromyour"todo"listbetweenyoursetactivities.

c.Followtheone-weekscheduleyouplanned.Keepadailydiaryorjournalduringeachofthesevendaysofthisweek'sactivities,writingdownwhenyoucompletedeachofthetasksonyour"todo"listcomparedtowhenyouscheduledthem.

Planned“ToDo”ScheduleActualCompletionTimesforEachTask

“ToDo”TasksScheduledTimeDay1Day2Day3Day4Day5Day6Day7

d.Reviewyour"todo"list,one-weekschedule,anddiary/journaltounderstandwhenyourscheduleworkedandwhenitdidnotwork.Withyourmeritbadgecounselor,discussandunderstandwhatyoulearnedfromthisrequirementandwhatyoumightdodifferentlythenexttime.

9.Prepareawrittenprojectplandemonstratingthestepsbelow,includingthedesiredoutcome.Thisisaprojectonpaper,notareal-lifeproject.Examplescouldincludeplanningacampingtrip,developingacommunityserviceprojectoraschoolorreligiousevent,orcreatinganannualpatrolplanwithadditionalactivitiesnotalreadyincludedinthetroopannualplan.Discussyourcompletedprojectplanwithyourmeritbadgecounselor.

a.Definetheproject.Whatisyourgoal?

b.Developatimelineforyourprojectthatshowsthestepsyoumusttakefrombeginningtocompletion.

c.Describeyourproject.

d.Developalistofresources.Identifyhowtheseresourceswillhelpyouachieveyourgoal.

e.Ifnecessary,developabudgetforyourproject.

10.Dothefollowing:

a.Chooseacareeryoumightwanttoenterafterhighschoolorcollegegraduation.

b.Researchthelimitationsofyouranticipatedcareer

anddiscusswithyourmeritbadgecounselorwhatyouhavelearnedaboutqualificationssuchaseducation,skills,andexperience.

OnlineResources（UseanyInternetresourcewithcautionandonlywithyourparent’sorguardian’spermission.）

BoyScoutsofAmerica:

►scouting.org►GuidetoSafeScouting►Age-AppropriateGuidelines►SafeSwimDefense

►Scout►Tenderfoot►SecondClass►FirstClassRankVideos►SafetyAfloat

BoyScoutMeritBadgeWorkbooks:

usscouts.org-or-meritbadge.orgMeritBadgeBooks:

www.scoutstuff.org

ExpertVillageComputerVideoLessons:

HowtoCreateaBudgetinExcel

InsuranceInvestingMoneyManagingBalancingaCheckbook

RequirementResources:

2aHowtoSetUpaP