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English home language

Grade 9

Money matters

Module 2

Balancing a budget

Activity 1:

Balancing a budget

[lo 5.2,2.2]

1. Discuss the following in your groups:

  • Do you receive pocket money?
  • How do you plan to spend any money you might receive?
  • If you get pocket money, is there any left at the end of the month?
  • Are savings important? If so, why (not)?
  • What is a budget?
  • How does one balance a budget?
  • What sort of expenses does the average person have each month?

How can these expenses be reduced?

  • Debate the pros and cons of receiving pocket money in your groups

Activity 2:

Identifying and analysing expenses

[lo 2.4]

  • Now your help is needed to sort out the money matters of the following fictional characters:

A. Alice Adams is a 32-year-old divorcee who lives with her two dogs in her own house. She is an IT expert and earns R6 000 a month (after taxes and insurance).

B. Peter Khumalo is a 26-year-old sales manager who earns a salary of R3 000 per month (after taxes and insurance). Peter is single and shares a two-bedroomed flat and household expenses with a friend. He is taking a part-time course in Marketing.

C. Nandi Naidoo is a 52-year-old domestic worker who earns R800 a month. She is a widow living in an informal settlement. She cares for her granddaughter, aged 5.

Divide your group of six into pairs.

Each pair in the group chooses one of the characters above.

Working with your partner, decide how much your character spends (in Rand) every month on each item. (You can add more items if you want to).

Draw up a list of monthly expenses.

Description Amount Description Amount


Learning outcomes(LOs)

LO 2


The learner will be able to communicate confidently and effectively in spoken language in a wide range of situations.

Assessment standards(ASs)

We know this when the learner:

2.1 communicates ideas and feelings creatively and expressively with a great degree of confidence and with limited assistance, using a range of selected oral types;

2.3 demonstrates basic skills in a range of oral text types;

2.4 demonstrates a range of interaction skills by participating actively in group discussions,

conversations, debates and group surveys, and while so doing:

  • 2.4.4 acknowledges others’ opinions and disagrees politely when necessary.
Writing The learner will be able to write different kinds of factual and imaginative texts for a wide range of purposes.
We know this when the learner:
4.1 writes a range of imaginative texts:
  • 4.1.2 to explore the creative, critical and playful use of language by means of narrative and descriptive compositions, dialogues, poems, songs and letters;
4.2 produces a range of factual written and multi-modal texts (texts using print and images) for various purposes, using a range of visual, and design elements where appropriate by means of recounts of events, research project reports, pamphlets, posters and book reviews;
4.3 demonstrates basic skills in a range of features of writing appropriate to the text type (e.g. reveals character, establishes the setting and develops the plot in narrative writing, and uses simple imagery in poetry);
4.4 uses the writing process collaboratively and independently to generate texts:
  • 4.4.8 publishes final product, paying attention to creative presentation and varied elements of design.



1. After the groups have discussed the questions, let them report back to the class to ensure that each pupil understands the terms “budget”, “balance” and “expenses”.

Facilitate the group debate: make sure that quieter pupils are also involved.


1. Discuss the three fictional characters with the class. Explain vocabulary e.g. IT-expert, domestic, insurance etc.Let each learner fill in a form (included) on their character – a useful exercise in reading, understanding and vocabulary. They may need some guidance on this. Where details are not known, let them make up the information. e.g. Employer’s name and address, ID numbers, etc.

Ensure that the learners identify the pictures correctly. The pictures represent: savings; telephone/interne; electricity/services; transport; food and drink/groceries; education; cigarettes; clothing; medical expenses; housing/rent; entertainment. They may choose to add other expenses or omit some of these, but must provide a reason for their choice.

The character’s income should be realistically allocated to cover these expenses. Learners may need guidance with this – encourage them to consult their peers, their

EMS educator or parents – but the final product must be their own work. Let them draw up a simple balance sheet.

2. Mark this to see how accurate they were.

Questions & Answers

can someone help me with some logarithmic and exponential equations.
Jeffrey Reply
sure. what is your question?
okay, so you have 6 raised to the power of 2. what is that part of your answer
I don't understand what the A with approx sign and the boxed x mean
it think it's written 20/(X-6)^2 so it's 20 divided by X-6 squared
I'm not sure why it wrote it the other way
I got X =-6
ok. so take the square root of both sides, now you have plus or minus the square root of 20= x-6
oops. ignore that.
so you not have an equal sign anywhere in the original equation?
Commplementary angles
Idrissa Reply
im all ears I need to learn
right! what he said ⤴⤴⤴
what is a good calculator for all algebra; would a Casio fx 260 work with all algebra equations? please name the cheapest, thanks.
Kevin Reply
a perfect square v²+2v+_
Dearan Reply
kkk nice
Abdirahman Reply
algebra 2 Inequalities:If equation 2 = 0 it is an open set?
Kim Reply
or infinite solutions?
The answer is neither. The function, 2 = 0 cannot exist. Hence, the function is undefined.
Embra Reply
if |A| not equal to 0 and order of A is n prove that adj (adj A = |A|
Nancy Reply
rolling four fair dice and getting an even number an all four dice
ramon Reply
Kristine 2*2*2=8
Bridget Reply
Differences Between Laspeyres and Paasche Indices
Emedobi Reply
No. 7x -4y is simplified from 4x + (3y + 3x) -7y
Mary Reply
is it 3×y ?
Joan Reply
J, combine like terms 7x-4y
Bridget Reply
im not good at math so would this help me
Rachael Reply
I'm not good at math so would you help me
what is the problem that i will help you to self with?
how do you translate this in Algebraic Expressions
linda Reply
Need to simplify the expresin. 3/7 (x+y)-1/7 (x-1)=
Crystal Reply
. After 3 months on a diet, Lisa had lost 12% of her original weight. She lost 21 pounds. What was Lisa's original weight?
Chris Reply
what's the easiest and fastest way to the synthesize AgNP?
Damian Reply
types of nano material
abeetha Reply
I start with an easy one. carbon nanotubes woven into a long filament like a string
many many of nanotubes
what is the k.e before it land
what is the function of carbon nanotubes?
what is nanomaterials​ and their applications of sensors.
Ramkumar Reply
what is nano technology
Sravani Reply
what is system testing?
preparation of nanomaterial
Victor Reply
Yes, Nanotechnology has a very fast field of applications and their is always something new to do with it...
Himanshu Reply
good afternoon madam
what is system testing
what is the application of nanotechnology?
In this morden time nanotechnology used in many field . 1-Electronics-manufacturad IC ,RAM,MRAM,solar panel etc 2-Helth and Medical-Nanomedicine,Drug Dilivery for cancer treatment etc 3- Atomobile -MEMS, Coating on car etc. and may other field for details you can check at Google
anybody can imagine what will be happen after 100 years from now in nano tech world
after 100 year this will be not nanotechnology maybe this technology name will be change . maybe aftet 100 year . we work on electron lable practically about its properties and behaviour by the different instruments
name doesn't matter , whatever it will be change... I'm taking about effect on circumstances of the microscopic world
how hard could it be to apply nanotechnology against viral infections such HIV or Ebola?
silver nanoparticles could handle the job?
not now but maybe in future only AgNP maybe any other nanomaterials
can nanotechnology change the direction of the face of the world
Prasenjit Reply
At high concentrations (>0.01 M), the relation between absorptivity coefficient and absorbance is no longer linear. This is due to the electrostatic interactions between the quantum dots in close proximity. If the concentration of the solution is high, another effect that is seen is the scattering of light from the large number of quantum dots. This assumption only works at low concentrations of the analyte. Presence of stray light.
Ali Reply
the Beer law works very well for dilute solutions but fails for very high concentrations. why?
bamidele Reply
how did you get the value of 2000N.What calculations are needed to arrive at it
Smarajit Reply
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Source:  OpenStax, English home language grade 9. OpenStax CNX. Sep 14, 2009 Download for free at http://cnx.org/content/col11060/1.1
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