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New Jersey

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Skills available for New Jersey fourth-grade math standards

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9.1.4.A Income and Careers

  • 9.1.4.A.1 Explain the difference between a career and a job, and identify various jobs in the community and the related earnings.

  • 9.1.4.A.2 Identify potential sources of income.

  • 9.1.4.A.3 Explain how income affects spending and take-home pay.

9.1.4.B Money Management

  • 9.1.4.B.1 Differentiate between financial wants and needs.

  • 9.1.4.B.2 Identify age-appropriate financial goals.

  • 9.1.4.B.3 Explain what a budget is and why it is important.

  • 9.1.4.B.4 Identify common household expense categories and sources of income.

  • 9.1.4.B.5 Identify ways to earn and save.

9.1.4.C Credit and Debt Management

  • 9.1.4.C.1 Explain why people borrow money and the relationship between credit and debt.

  • 9.1.4.C.2 Identify common sources of credit (e.g., banks, credit card companies) and types of credit (e.g., loans, credit cards, mortgages).

  • 9.1.4.C.3 Compare and contrast credit cards and debit cards and the advantages and disadvantages of using each.

  • 9.1.4.C.4 Determine the relationships among income, expenses, and interest.

  • 9.1.4.C.5 Determine personal responsibility related to borrowing and lending.

  • 9.1.4.C.6 Summarize ways to avoid credit problems.

9.1.4.D Planning, Saving, and Investing

  • 9.1.4.D.1 Determine various ways to save.

  • 9.1.4.D.2 Explain what it means to "invest."

  • 9.1.4.D.3 Distinguish between saving and investing.

9.1.4.E Becoming a Critical Consumer

  • 9.1.4.E.1 Determine factors that influence consumer decisions related to money.

  • 9.1.4.E.2 Apply comparison shopping skills to purchasing decisions.

9.1.4.F Civic Financial Responsibility

  • 9.1.4.F.1 Demonstrate an understanding of individual financial obligations and community financial obligations.

  • 9.1.4.F.2 Explain the roles of philanthropy, volunteer service, and charitable contributions, and analyze their impact on community development and quality of living.

9.1.4.G Insuring and Protecting

  • 9.1.4.G.1 Describe how valuable items might be damaged or lost and ways to protect them.