Merge pull request #50185 from MicrosoftDocs/NEW-intro-to-budgeting-for-students

JamesJBarnett · web-flow · commit 34aa421b983e · 2025-04-28T13:16:57.000-07:00
New intro to budgeting for students -&gt; main
diff --git a/learn-pr/philanthropies/intro-to-budgeting-for-students/1-introduction.yml b/learn-pr/philanthropies/intro-to-budgeting-for-students/1-introduction.yml
@@ -0,0 +1,13 @@
+### YamlMime:ModuleUnit
+uid: learn.philanthropies.intro-to-budgeting-for-students.introduction
+title: Introduction
+metadata:
+  title: Introduction
+  description: This content is a part of the introduction to budgeting for students.
+  ms.date: 04/01/2025
+  author: kprks
+  ms.author: v-kperkes
+  ms.topic: unit
+durationInMinutes: 5
+content: |
+  [!include[](includes/1-introduction.md)]
diff --git a/learn-pr/philanthropies/intro-to-budgeting-for-students/2-what-is-budgeting.yml b/learn-pr/philanthropies/intro-to-budgeting-for-students/2-what-is-budgeting.yml
@@ -0,0 +1,13 @@
+### YamlMime:ModuleUnit
+uid: learn.philanthropies.intro-to-budgeting-for-students.what-is-budgeting
+title: What is budgeting?
+metadata:
+  title: What is Budgeting?
+  description: This content is a part of the introduction to budgeting for students.
+  ms.date: 04/01/2025
+  author: kprks
+  ms.author: v-kperkes
+  ms.topic: unit
+durationInMinutes: 10
+content: |
+  [!include[](includes/2-what-is-budgeting.md)]
diff --git a/learn-pr/philanthropies/intro-to-budgeting-for-students/3-create-list-of-your-needs.yml b/learn-pr/philanthropies/intro-to-budgeting-for-students/3-create-list-of-your-needs.yml
@@ -0,0 +1,13 @@
+### YamlMime:ModuleUnit
+uid: learn.philanthropies.intro-to-budgeting-for-students.create-list-of-your-needs
+title: Create a list of your needs and wants using Copilot
+metadata:
+  title: Create a List of Your Needs and Wants Using Copilot
+  description: This content is a part of the introduction to budgeting for students.
+  ms.date: 04/01/2025
+  author: kprks
+  ms.author: v-kperkes
+  ms.topic: unit
+durationInMinutes: 10
+content: |
+  [!include[](includes/3-create-list-of-your-needs.md)]
diff --git a/learn-pr/philanthropies/intro-to-budgeting-for-students/4-knowledge-check.yml b/learn-pr/philanthropies/intro-to-budgeting-for-students/4-knowledge-check.yml
@@ -0,0 +1,43 @@
+### YamlMime:ModuleUnit
+uid: learn.philanthropies.intro-to-budgeting-for-students.knowledge-check
+title: Knowledge check
+metadata:
+  title: Knowledge Check
+  description: Answer the following questions to see what you learned.
+  ms.date: 04/01/2025
+  author: kprks
+  ms.author: v-kperkes
+  ms.topic: unit
+durationInMinutes: 3
+quiz:
+  questions:
+  - content: What is a budget?
+    choices:
+    - content: A plan for your money. 
+      isCorrect: true
+      explanation: Correct! A budget helps you plan how to use your money wisely.
+    - content: A list of things you want. 
+      isCorrect: false
+      explanation: Not quite. A budget is more about planning your expenses.
+    - content: Money you save. 
+      isCorrect: false
+      explanation: Not exactly. A budget is a plan for managing all your money, including saving.
+    - content: A way to spend money. 
+      isCorrect: false
+      explanation: Incorrect. A budget helps you control spending, not just spend freely.
+
+  - content: Which of the following is a need?
+    choices:
+    - content: Food 
+      isCorrect: true
+      explanation: Correct! Food is essential for living.
+    - content: Video games 
+      isCorrect: false
+      explanation: Not quite. Video games are fun but not necessary to live.
+    - content: Designer clothes 
+      isCorrect: false
+      explanation: Incorrect. Designer clothes are nice to have, but not a necessity.
+    - content: Toys 
+      isCorrect: false
+      explanation: Incorrect. Toys can be fun, but they aren't essential for living.
+  
diff --git a/learn-pr/philanthropies/intro-to-budgeting-for-students/5-why-budgeting-is-helpful.yml b/learn-pr/philanthropies/intro-to-budgeting-for-students/5-why-budgeting-is-helpful.yml
@@ -0,0 +1,13 @@
+### YamlMime:ModuleUnit
+uid: learn.philanthropies.intro-to-budgeting-for-students.why-budgeting-is-helpful
+title: Why is budgeting helpful?
+metadata:
+  title: Why is Budgeting Helpful?
+  description: This content is a part of the introduction to budgeting for students.
+  ms.date: 04/01/2025
+  author: kprks
+  ms.author: v-kperkes
+  ms.topic: unit
+durationInMinutes: 10
+content: |
+  [!include[](includes/5-why-budgeting-is-helpful.md)]
diff --git a/learn-pr/philanthropies/intro-to-budgeting-for-students/6-responsible-spending-financial-planning.yml b/learn-pr/philanthropies/intro-to-budgeting-for-students/6-responsible-spending-financial-planning.yml
@@ -0,0 +1,13 @@
+### YamlMime:ModuleUnit
+uid: learn.philanthropies.intro-to-budgeting-for-students.responsible-spending-financial-planning
+title: Responsible spending and financial planning
+metadata:
+  title: Responsible Spending and Financial Planning
+  description: This content is a part of the introduction to budgeting for students.
+  ms.date: 04/01/2025
+  author: kprks
+  ms.author: v-kperkes
+  ms.topic: unit
+durationInMinutes: 5
+content: |
+  [!include[](includes/6-responsible-spending-financial-planning.md)]
diff --git a/learn-pr/philanthropies/intro-to-budgeting-for-students/7-create-your-personal-budget-plan.yml b/learn-pr/philanthropies/intro-to-budgeting-for-students/7-create-your-personal-budget-plan.yml
@@ -0,0 +1,13 @@
+### YamlMime:ModuleUnit
+uid: learn.philanthropies.intro-to-budgeting-for-students.create-your-personal-budget-plan
+title: Create your personal budget plan using Microsoft Copilot
+metadata:
+  title: Create Your Personal Budget Plan Using Microsoft Copilot
+  description: This content is a part of the introduction to budgeting for students.
+  ms.date: 04/01/2025
+  author: kprks
+  ms.author: v-kperkes
+  ms.topic: unit
+durationInMinutes: 10
+content: |
+  [!include[](includes/7-create-your-personal-budget-plan.md)]
diff --git a/learn-pr/philanthropies/intro-to-budgeting-for-students/8-check.yml b/learn-pr/philanthropies/intro-to-budgeting-for-students/8-check.yml
@@ -0,0 +1,28 @@
+### YamlMime:ModuleUnit
+uid: learn.philanthropies.intro-to-budgeting-for-students.check
+title: Knowledge check
+metadata:
+  title: Knowledge Check
+  description: Answer the following questions to see what you learned.
+  ms.date: 04/01/2025
+  author: kprks
+  ms.author: v-kperkes
+  ms.topic: unit
+durationInMinutes: 1
+quiz:
+  questions:
+  - content: Why is budgeting helpful?
+    choices:
+    - content: It gives you control over your money. 
+      isCorrect: true
+      explanation: Correct! Budgeting helps you make smart financial decisions.
+    - content: It lets you buy everything you want. 
+      isCorrect: false
+      explanation: Not quite. Budgeting helps prioritize needs and wants.
+    - content: It keeps you from spending any money. 
+      isCorrect: false
+      explanation: Incorrect. Budgeting helps you manage spending, not eliminate it.
+    - content: It makes you rich. 
+      isCorrect: false
+      explanation: Incorrect. While budgeting helps you save, it doesn't guarantee wealth.
+  
diff --git a/learn-pr/philanthropies/intro-to-budgeting-for-students/9-summary.yml b/learn-pr/philanthropies/intro-to-budgeting-for-students/9-summary.yml
@@ -0,0 +1,13 @@
+### YamlMime:ModuleUnit
+uid: learn.philanthropies.intro-to-budgeting-for-students.summary
+title: Summary
+metadata:
+  title: Summary
+  description: This content is a part of the introduction to budgeting for students.
+  ms.date: 04/01/2025
+  author: kprks
+  ms.author: v-kperkes
+  ms.topic: unit
+durationInMinutes: 2
+content: |
+  [!include[](includes/9-summary.md)]
diff --git a/learn-pr/philanthropies/intro-to-budgeting-for-students/includes/1-introduction.md b/learn-pr/philanthropies/intro-to-budgeting-for-students/includes/1-introduction.md
@@ -0,0 +1,21 @@
+> [!VIDEO https://learn-video.azurefd.net/vod/player?id=51e75820-38bb-4c1d-9fec-5ad2c670e42e]
+
+Have you ever wanted to buy something but didn't have enough money? What if you could make a plan that helps you stretch your money further? That's what budgeting is all about! Today, we learn some easy ways to take control of your money, so you can learn how to cover your needs, avoid those "uh-oh" moments when you're out of cash, and even save up for something special. Let's find out how you can start making smart choices with your money today!
+
+Reflection Activity: Think about when you get money, how do you spend it? Have you ever planned what to do with your money ahead of time?
+
+Budgeting is like having a game plan for your money. Imagine you have a limited amount of money, like your allowance or money you've saved from gifts. Without a plan, it's easy to spend it all on things you want right now, like snacks or video games, and then find yourself with nothing left when you need to save for something bigger, like a new bike, or a new phone.
+
+Here's how budgeting can help you make smart choices and reach your money goals:
+
+- **Know Where Your Money Goes:** When you budget, you can see exactly how much money you have and where it's going. It helps you keep track, so you don't accidentally spend too much on small things, like snacks, and have nothing left for the large stuff you really want.
+
+- **Decide What's Important:** Budgeting helps you make choices. If you want a new game, a bike, or something else, your budget helps you set aside money for it. That way, you're making sure your money goes toward the things that matter most to you.
+
+- **Stop Impulse Spending:** Ever buy something just because it looked cool, but then later wish you hadn't? A budget helps you think before you spend. It makes it easier to say, "Do I really need this right now, or should I save my money for something better?"
+
+- **Be Ready for Surprises:** Sometimes unexpected things come up, like needing extra money for a school trip or supplies. With a budget, you can put a little money aside for surprises, so you're not caught off guard.
+
+- **Feel in Control:** When you budget, you're the boss of your money! You get to decide what to do with it, instead of wondering where it all went. You feel good knowing you're making smart choices and getting closer to your goals.
+
+So, budgeting isn't just about saving—it's about making sure your money helps you get what you really want in the end. It's like a game plan that helps you be smart with your money. It's all about making sure you have enough for what you need and saving up for what you really want rather that's now or in the future!
diff --git a/learn-pr/philanthropies/intro-to-budgeting-for-students/includes/2-what-is-budgeting.md b/learn-pr/philanthropies/intro-to-budgeting-for-students/includes/2-what-is-budgeting.md
@@ -0,0 +1,9 @@
+Budgeting is like making a plan for your money so you know exactly how much you have, what you need to spend it on, and what you can save. It's a way to keep track of your "income" or money you earn or receive (like gift money, allowance, or money from chores) and decide ahead of time how to use it wisely. 
+
+With a budget, you can set goals, like saving up for a new game or a special outing, and make sure you're not spending too much on things you don't really need. It helps you be in control of your money, make smart choices, and reach your goals faster!
+
+Budgeting also helps you avoid that feeling of wondering where all your money went. By writing down or using an app to track what you spend and save, you can see exactly where your money goes each week or month. It's like having a personal money guide that shows you when you might be spending too much on small things, like snacks or quick buys, and reminds you to save for bigger goals. 
+
+Plus, budgeting isn't just about cutting back—it's about making sure you have enough for the things that really matter to you, whether that's hanging out with friends, buying something special, or just having some extra cash saved up for later.
+
+:::image type="content" source="../media/what-is-budgeting.png" alt-text="Screenshot of what budgeting means." lightbox="../media/what-is-budgeting.png":::
diff --git a/learn-pr/philanthropies/intro-to-budgeting-for-students/includes/3-create-list-of-your-needs.md b/learn-pr/philanthropies/intro-to-budgeting-for-students/includes/3-create-list-of-your-needs.md
@@ -0,0 +1,26 @@
+Needs are things you must have to live, like food, shelter, and basic clothing. They help you survive, stay safe, and do important things. Wants are things that are nice to have but aren't necessary, like video games, snacks, or designer or replica clothes. They're nice to have, but you could live without them if you had to.
+
+How Can You Tell the Difference?
+
+Do I need this to live or stay healthy? → If yes, it's a need. If no, it's a want.
+
+Is life hard if I don't have this? → If yes, it's a need. If no, it's a want.
+
+Can I find a cheaper or simpler option? → If yes, then the more expensive choice is a want.
+
+Why Does This Matter?
+
+Understanding the difference between needs and wants helps you spend your money wisely. If you budget your money, you should pay for your needs first before spending on fun things. If money is tight, you can cut back on wants (like eating out or buying extra clothes) to save for things that really matter.
+
+Smart money tip: If you want something, save up for it instead of spending all your money at once. That way, you can still enjoy fun things while making sure your needs are covered first! 🚀
+
+Ask Copilot Activity: 
+
+1. Open a Word document or an editor of your choice.
+1. Create a list of your wants and needs.
+1. Open Microsoft Copilot.
+1. Prompt Copilot to categorize you needs and wants list into two categories.
+1. Compare the Copilot result with your original list.
+
+:::image type="content" source="../media/needs-vs-wants.png" alt-text="Screenshot of a comparison between needs and wants." lightbox="../media/needs-vs-wants.png":::
+ 
diff --git a/learn-pr/philanthropies/intro-to-budgeting-for-students/includes/4-knowledge-check.md b/learn-pr/philanthropies/intro-to-budgeting-for-students/includes/4-knowledge-check.md
@@ -0,0 +1 @@
+Choose the best response for each question. 
diff --git a/learn-pr/philanthropies/intro-to-budgeting-for-students/includes/5-why-budgeting-is-helpful.md b/learn-pr/philanthropies/intro-to-budgeting-for-students/includes/5-why-budgeting-is-helpful.md
@@ -0,0 +1,9 @@
+Budgeting is helpful because it gives you control over your money and helps you make smart decisions. When you budget, you're planning exactly how to use your money, so you know what you can spend, what you should save, and what you need to avoid spending too much on. This helps prevent those moments when you run out of money and still have things you need or want to buy. 
+
+By setting a budget, you're also setting goals for yourself, like saving up for something special or just making sure you have enough for your daily needs, which can give you a clear path to follow.
+
+Budgeting also reduces stress and keeps you prepared for unexpected situations. Life can be full of surprises, like needing money for a school trip, a last-minute gift, or an emergency. Having a budget allows you to set aside a little bit of money regularly so that you're not caught off guard when something unexpected happens. It's like having a safety net that makes sure you're ready for anything. 
+
+Plus, knowing that you're in control of your finances and working towards your goals can give you a sense of confidence and security. Budgeting is not just about limiting what you spend; it's about making your money work for you and helping you feel good about your choices.
+
+:::image type="content" source="../media/why-budgeting-is-important.png" alt-text="Screenshot of an explanation of why budgeting is important." lightbox="../media/why-budgeting-is-important.png":::
diff --git a/learn-pr/philanthropies/intro-to-budgeting-for-students/includes/6-responsible-spending-financial-planning.md b/learn-pr/philanthropies/intro-to-budgeting-for-students/includes/6-responsible-spending-financial-planning.md
@@ -0,0 +1,11 @@
+Responsible spending is all about making smart choices with your money so you can cover your needs, enjoy your wants, and still have enough left over to save for the future. It means thinking carefully before you buy something, asking yourself if it's really necessary or if it's just an impulse.
+
+For example, instead of spending all your birthday money on snacks or small treats, responsible spending would have you set some of that money aside for more important things, like saving for a new gadget or helping out with something at home. It's about finding a balance between enjoying your money now and making sure you have enough for later.
+
+Financial planning takes responsible spending a step further by helping you set goals and make a plan for your money that goes beyond just day-to-day spending. It's like creating a roadmap for your financial future, where you decide what you want to achieve—like saving for college, a big trip, or even starting a small business one day—and then figuring out the steps you need to take to get there. 
+
+Financial planning helps you stay focused on your goals, avoid unnecessary debt, and build good money habits that will benefit you for years to come. Whether it's making a simple budget, setting up a savings account, or planning for bigger expenses, financial planning gives you the tools to make sure your money is working for you, not the other way around.
+
+- Being responsible with your money means making choices that help you in the long run. It's not just about spending less—it's about spending on the things that matter to you.
+- Financial planning is like setting a roadmap for your money: what do you want to save for, and how will you get there?
+- Think about your own goals. Maybe you want to save for a new gadget, help your family, or even save for college one day. 
diff --git a/learn-pr/philanthropies/intro-to-budgeting-for-students/includes/7-create-your-personal-budget-plan.md b/learn-pr/philanthropies/intro-to-budgeting-for-students/includes/7-create-your-personal-budget-plan.md
@@ -0,0 +1,24 @@
+Reflection Activity: Think about how you can start using what you learned today. What's one change you can make with how you use your money?
+
+Ask Copilot Activities:
+
+- **Create a Personal Budget:** 
+    1. Imagine you're saving for something special, like a trip or a new video game. Open Microsoft Copilot.
+    1. Prompt Copilot to create a personal budget by typing "I want to save for [insert your goal, e.g., a new video game or a trip]. I earn twenty-five dollars per week. Can you help me create a budget plan to reach my goal?"
+    1. Copilot will generate a plan showing how much you should save each week and how long it will take to reach your goal.
+    1. Adjust your budget if needed:
+       - If you want to save faster, ask Copilot: "Can you suggest a way to save more each week?"
+       - If you have other expenses, ask: "How can I balance my savings with other spending needs?"
+    1. Copy the budget Copilot provided into a notebook, document, or budgeting app.
+
+- **Explore Budgeting Tools:** 
+    1. Open Microsoft Copilot on your device. 
+    1. Prompt Copilot for a list of 7 budgeting apps by typing "Can you give me a list of seven apps or online tools that help people create and stick to budgets?"
+    1. Review the list that Copilot provides along with the short descriptions of how they work.
+    1. Choose three apps from the list that interest you the most.
+    1. Search online for more details about each app or visit their official websites to see their features.
+    1. Compare the Apps
+        - Think about which one seems the most helpful for your budgeting needs.
+        - Ask yourself: "Which app would help me track my spending and save money the best?"
+
+Remember, budgeting isn't just about saying "no" to things—it's about making sure you have enough for what's important to you and planning for a future where you can reach your goals!
diff --git a/learn-pr/philanthropies/intro-to-budgeting-for-students/includes/8-check.md b/learn-pr/philanthropies/intro-to-budgeting-for-students/includes/8-check.md
@@ -0,0 +1 @@
+Choose the best response for each question. 
diff --git a/learn-pr/philanthropies/intro-to-budgeting-for-students/includes/9-summary.md b/learn-pr/philanthropies/intro-to-budgeting-for-students/includes/9-summary.md
@@ -0,0 +1,6 @@
+In this unit, you learned about budgeting and how it helps you manage your money wisely so you can cover your needs, avoid running out of cash, and save for things you really want. Here's what we covered:
+
+- Explain what a budget is and why it's important.
+- Differentiate between needs and wants.
+- Use a budget to save money and reduce financial stress.
+- Make smart choices with your money to achieve goals.
diff --git a/learn-pr/philanthropies/intro-to-budgeting-for-students/index.yml b/learn-pr/philanthropies/intro-to-budgeting-for-students/index.yml
@@ -0,0 +1,40 @@
+### YamlMime:Module
+uid: learn.philanthropies.intro-to-budgeting-for-students
+
+metadata:
+  title: Introduction to budgeting for students
+  description: Learn the fundamentals of budgeting to manage your money effectively, save for future goals, and reduce financial stress.
+  ms.date: 04/01/2025
+  author: kprks
+  ms.author: v-kperkes
+  ms.topic: module
+  ms.service: artificial-intelligence
+
+title: Introduction to budgeting for students
+summary: This module explores the essentials of budgeting for students. You learn how to manage your money effectively by understanding the importance of budgeting, differentiating between needs and wants, and making smart financial choices to achieve your goals.
+
+abstract: |
+  - Explain what a budget is and why it's important.
+  - Differentiate between needs and wants.
+  - Use a budget to save money and reduce financial stress.
+  - Make smart choices with your money to achieve goals.
+prerequisites: Access to Microsoft Copilot and an Editor.
+products:
+  - azure
+iconUrl: /learn/achievements/generic-badge.svg
+levels:
+- beginner
+roles:
+- student
+units:
+- learn.philanthropies.intro-to-budgeting-for-students.introduction
+- learn.philanthropies.intro-to-budgeting-for-students.what-is-budgeting
+- learn.philanthropies.intro-to-budgeting-for-students.create-list-of-your-needs
+- learn.philanthropies.intro-to-budgeting-for-students.knowledge-check
+- learn.philanthropies.intro-to-budgeting-for-students.why-budgeting-is-helpful
+- learn.philanthropies.intro-to-budgeting-for-students.responsible-spending-financial-planning
+- learn.philanthropies.intro-to-budgeting-for-students.create-your-personal-budget-plan
+- learn.philanthropies.intro-to-budgeting-for-students.check
+- learn.philanthropies.intro-to-budgeting-for-students.summary
+badge:
+  uid: learn.philanthropies.intro-to-budgeting-for-students.badge
diff --git a/learn-pr/philanthropies/intro-to-budgeting-for-students/media/needs-vs-wants.png b/learn-pr/philanthropies/intro-to-budgeting-for-students/media/needs-vs-wants.png
diff --git a/learn-pr/philanthropies/intro-to-budgeting-for-students/media/what-is-budgeting.png b/learn-pr/philanthropies/intro-to-budgeting-for-students/media/what-is-budgeting.png
diff --git a/learn-pr/philanthropies/intro-to-budgeting-for-students/media/why-budgeting-is-important.png b/learn-pr/philanthropies/intro-to-budgeting-for-students/media/why-budgeting-is-important.png
