Micro Teach Learning Plan #2 with modification

Title: Debit or Credit?

Name: Melissa Faz
Subject/Grade: Math 6th grade Date Taught: April 7, 2015
Type of Instruction: Indirect Instruction
Lesson Plan Modifications
Objective: Instructions will be said out
After being given a debit and credit card worksheet with two scenarios, the students will identify loud for Victor since his
which type of card was used getting 2/3 correct. reading levels are lower than
his peers.

TEKS: The TEKS will stay the

Math 6.14-Personal financial literacy. The student applies mathematical process standards to same since Victors math
develop an economic way of thinking and problem solving useful in one's life as a knowledgeable skills are generally at the
consumer and investor. The student is expected to: same level. If needed he will
be assisted with extra help
B) Distinguish between debit cards and credit cards; from me.

Background Information: Since Victors math skills are

Students are expected to identify the advantages and disadvantages of debit and credit card methods the same level as his peers
of payment. but his reading ability is a bit
slower than others, I will
meet with him before class
and show him what a debit
and credit card looks like and
explain to him what is on
there.
Materials: All fonts will be greater than
Real life Debit and Credit Cards used to show students what they look like. 24.
Home made debit and credit cards
Worksheet (Debit Cards or Credit Cards?) for elaboration. Home made debit and credit
 Worksheet (You are a Real Card!) for extension. cards will bigger sizes than
normal.
Equipment: All equipment will stay the
None same.
Classroom Management/Environment: Victor will be seated in the
The class will be set up with two desks next to one another. front of the class near me
The students will be able to call out answers unless the teachers hand is raised or if I call on since he has poor vision.
someone.
He will be seated in a table
with a person whos reading
and writing levels are higher
than his.

Engagement/Focus: Everything will stay the

Greeting: Good morning class! same.
Link to previous, current, and/ or future knowledge: Remember last year when your 5th grade
teacher talked about the advantages and disadvantages you would have when having a credit and
debit card? Well today we are going to learn what exactly is debit and credit card and ways they can
be applied in our daily lifes so you can one day become a knowledgeable consumer and investor!
Engagement: I will show the students what a real life debit and credit card looks life and explain to
them what is on each of them.
Outcome: By the end of the lesson, you will be able to understand when a characteristic is
provided, and you will be able to determine if it applies to debit cards, credit cards or both.
Expected behavior: You may call out unless my hand is up or if I call out someone individually.
Rules when looking at real life debit and credit cards include not pulling on them, throwing them
around, and giving it back to me in the shape I let you see them.

Explanation/Procedures: Ask Victor to point out the

main different of the physical
1. Remind the students what a debit and credit card is. appearance of a credit card
and a debit card.
Debit cards are issued by the bank when a customer opens a checking account. When a
customer buys an item using a debit card, the money is taken directly from his checking Victor will be in charge of
account. The amount of money the customer can spend is limited to the balance in their materials since his writing
checking account. and his reading skills are
lower than his peers.
A credit card is a plastic payment card you can use to purchase goods or services. Using a
credit card is like getting a loan. You pay for your purchases later when you receive a
monthly bill. You also pay interest on the balance.

2. Show the students a real life debit and credit card and explain to the students what is on both
of them.

Both debit and credit cards are almost identical in their appearances except for one thing on
the front of each of them, Victor tell me what is different between the physical appearance of
these two cards? (Show Victor the two cards and have him notice that the difference is that
a debit card will say Debit in front of the card and a credit card will not have Credit nor
Debit).

3. To keep the students engaged, I will have home made debit and credit cards for them where
they will give me the correct card based on the given question.

Now that you know a little bit more about the differences between a debit and a credit card,
I will pass out some home made debit and credit cards and you guys will give me the correct
card depending on the given question. Also it is important to remember that these cards are
NOT what are used in real life, the real life cards are the ones I showed you at the beginning
of the lesson (show the students the real life cards).

Questions:
I have $360 in my checking account, so that is the most I can spend using this card.
Answer: Debit
 I had to pay an extra $80 for this television because I didnt pay my entire bill right away.
Answer: Credit
I dont have any cash with me, so I will pay with this card.
Answer: Both

4. Now that we have finished having a little fun with my home made debit and credit cards, I
want you all to work with your partner on the Debit Cards or Credit Cards? worksheet. If
you have any questions feel free to raise your hand and I will come and help. (Monitor)

Extension/Elaboration: All font will be made larger

Elaboration: For elaboration, I will have the students work with their partner on a worksheet with than 24.
two scenarios and one question over their personal thoughts about the advantages and disadvantages
on debit and credit cards.

Extension: For extension, the students will be given a review sheet (You are a Real Card!) with a
more specific definition of the differences between a debit and credit card and will be asked to
identify which statement describes which card and explain why. This will help the students
understand how credit and debit cards are different in multiple ways.

Closure: One review question will be

Review: asked specifically towards
Tell me what are some ways your parents can use a debit and credit card? Victor to make sure that he
Tell me how you would use a credit card? has been following through
Tell me how you would use a debit card? in todays lesson.
Now analyze the relationship in this question, Terrance has $54. 29 in his checking account. He
needs to purchase a football uniform for $56.50. Should Terrance use his debit or his credit card?
Explain your reasoning.
Anticipation: Tomorrow we will be learning about why it is very important to have a good credit
history and not a bad one! Hint: If you have a bad one you can be limited to buying this you may
want.
Praise: Today you worked very hard, I really appreciate that you all did not fight over the real life
debit and credit cards and that you all gave it back to me just how it was! Also thank you for
working in pairs and for sharing your thoughts on the advantages and disadvantages on debit and
credit cards! Great job and keep up the great work!
Assessment: Assessment will stay the
Completed the home made debit and credit card activity individually and completed the Debit same.
Cards or Credit Cards? worksheet with a partner, getting 2/3 correct.
Resources: Resources will stay the same.
Resource #1: Burger, E.B., Dixon, J. K., Kanold, T.D., Larson, M.R., Leinwand, S.J., & Sandoval-
Martinez, M.E. (2015). Texas Go Math!, 6th grade Students Edition, pp. 530 Orlando, Florida:
Houghton Mifflin Harcourt

Resource #2: Hadley, W.S. & Metz, M. L. et al. (2015). Carnegie Learning Texas Middle School
Math Series, 6th grade Student Text, Vol. 2, Pulling a One- Eighty! pp. 922-923. Pittsburg,
Pennsylvania: Carnegie Leaning