Dear Teachers,

miSci and 1st National Bank of Scotia are proud to introduce:
A FREE financial literacy program for 3rd-5th and 6th-8th Grade classrooms at qualifying schools!
Cents & $ensibility  classes are 45 minutes in duration and include topics on saving, budgeting and more. Included lessons are not cumulative, can be delivered in any order or as a single lesson, and are designed to be easily added to a daily lesson plan.

We invite you to take advantage of any/all of the following programs:

Cents & $ensibility for Grades 3 - 5


Lesson 1: Money Matters

Students will learn the difference between "needs" and "wants" and how to identify examples of each. Activities will demonstrate how to compare and prioritize needs and wants, and evaluate different choices when making personal and business purchases. 


Lesson 2: Get Set for Goals
Students will identify and develop ways to set short-term and long-term goals for saving, and develop an understanding of the importance of setting savings goals. Activities will help them to understand what might affect decisions to spend or save money, or give it away to a charity. Students will explore how and when to put aside earnings for future purchases, how to set short-term financial goals and become a financially responsible.

Lesson 3: Make a Plan

Students will gain an understanding of the term "budget" and how to identify categories of a budget including income, expenses, and savings. Students will create a budget, apply budget skills to real world scenarios and be introduced to the concept of "pay yourself first."

Cents & $ensibility for Grades 6 - 8


Lesson 1: Super Saver

Students will develop an understanding of the importance of saving money and learn how credit cards are a form of debt. Activities will demonstrate the advantages and disadvantages of having credit cards and using debt to finance their wants and needs. Concepts of principal and interest will be explored.


Lesson 2: Savvy Shopper
Students will consider the role of needs and wants in decision-making, and how to evaluate the credibility and motivation of marketing and advertising. Students will learn how to distinguish the best value of goods and services, and how to evaluate opportunity costs of various purchases.

Lesson 3: Personal Finances
Students will learn how to make decisions about what to do with their money, and whether to spend, save, or give. Considerations for an increasingly digital world, such as protecting one's identity and financial information, will also be addressed. Students will role-play various identity theft scenarios using a customized app.

Request by phone: 518-382-7890 x237
Cents & $ensibility  is made possible by 1st National Bank of Scotia, 
 community financial institution that recognizes the importance of financial literacy and what it means to be a knowledgeable 
and empowered consumer. 
As a partner with 1st National Bank of Scotia, we hope you will take advantage of this unique program in your classrooms to help us encourage financial literacy at an early age. 

Together, we can introduce financial knowledge to our youth and secure good saving and spending habits for future generations.


Danette Carll
Director of Education @ miSci
518-382-7890 x253
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