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Identify all seven of the Baby Steps in financial freedom according to Dave
Ramsey.
Explain the purpose of each Baby Step.
Module 2 Objectives
Module 3 Objectives
Develop a budget for a household income of $2,000 per month with a positive
cash flow.
Create a monthly budget using two budget forms demonstrating proper use of
100 percent of terms associated with developing a budget.
Module 4 Objectives
Module 5 Objectives
will key on working in real-to-life budgeting situations, activating prior knowledge, providing reallife examples of new concepts, student involvement in the learning process, and direct
integration of the learning into the life of the students.
2. Motivational Strategies
We are using the ARCS Model to ensure highly motivated completion of the self-paced online
course. The strategies are outlined below:
Attention- The course will grab the students attention by using a variety of media currently
popular with youth. The media will be varied throughout each module to sustain the students
attention. Each module will have several transitions to keep refocusing the students attention
to the content within the module.
Relevance- The content within the course itself is highly relevant since the students are seeking
tutoring positions in household budgeting for candidates seeking home ownership. The material
is relevant because they want to teach it to low income adults. Students will find Module 3 and
4 relevant because they will have hands on experiences with various forms required in
household budgets. Module 5 is relevant because it will provide the necessary skills to allow
them a positive tutoring experience.
Confidence- The course will introduce the purpose in a quick easy manner. Then each module
will increase in difficulty allowing students to gain confidence as they progress through the
modules. Each module will provide a safe activity to allow students to practice the content
before being tested over the material.
Satisfaction- The course itself is voluntary; however, students must complete the course as a
requirement to become volunteer tutors. The youth that are the target audience for this course
will have personal satisfaction of helping others work toward home ownership. The student
themselves will gain satisfaction in their own lives by learning skills to help them build a
financially secure foundation at a very young age. These students already understand the
importance of home ownership. They will have satisfaction in knowing the practical skills to
place themselves and low income adults on a pathway to home ownership.
3. Assessment Strategies
Pre-tests will be given to differentiate learning (Students may skip
modules if their score is 100%).
Informal assessments will be completed during Module 3 and 4 to self
assess student progress. Students will complete real life budget
scenarios and receive immediate feedback.
Post Tests will be given to ensure mastery of the content. Students
scoring 100 may progress to the next module, otherwise students may
redo the module.
4. Development Tools
Google Forms--a free online tool for creating surveys and collecting data
(including quiz formats)
YouTube--an online video hosting site
Prezi--an online, creative presentation site
Quizlet--an online tool for creating quizzes
Voki--a free or for fee educational site that allows users to create a talking
character
Google Sites--a free web hosting service that allows collaboration for
website design
PowToon--a free, online, animated presentation site
v=Rs8P0Eh7Zbc
The students will respond to mini-budget situations presented on Prezi and make
adjustments to categories that are out of the suggested range. Students will be
provided immediate feedback.
Given a $2000 a month budget, students will create a paper-pencil budget based on
the recommended percentages. A printable template will be provided. Immediate
feedback will be given of correct possible examples.
At the end of the module, students will take a posttest online quiz using Quizlet.
Questions will be multiple choice and true/false to provide immediate feedback to the
student.
V. References
Keller, J. M., & Twente Univ. of Technology, E. (1983). Development and Use of the ARCS
Model of Motivational Design.
Merrill, M. D. (2001). First Principles of Instruction. Journal Of Structural Learning & Intelligent
Systems, 14(4), 459.
Ramsey, Dave. (2008) Financial Peace University. Brentwood, TN: The Lampo Group, Inc.
Ramsey, D. (2015, March 4). Serious about getting out of debt?. Wilson County News. p. 4A.
Ramsey, D. (2015, January 28). Making changes. Wilson County News. p. 4A
Reigeluth, C. M. (1999). The elaboration theory: Guidance for scope and sequence decisions. In
C. M. Reigeluth, C. M. Reigeluth (Eds.) , Instructional-design theories and models: A
new paradigm of instructional theory, Vol. II (pp. 425-453). Mahwah, NJ, US: Lawrence
Erlbaum Associates Publishers.