3.9D - explain that credit is used when wants or needs exceed the ability to pay and that it’s the borrower’s responsibility to pay it back to the lender, usually with interest.

3.9F - identify decisions involving income, spending, saving, credit, and charitable giving

3.7D retell and paraphrase texts in ways that maintain meaning and logical order

3.8A infer the theme of a work, distinguishing theme from topic

3.6F make inferences and use evidence to support understanding

3.10 Author's purpose and craft

3.5 (A) identify ways of earning, spending, saving, and donating money; and

3.5(B) create a simple budget that allocates money for spending and saving.

3.6 (A) explain how supply and demand affect the price of a good or service;

3.6(B) define and identify examples of scarcity;

3.10A explore how structures and functions of plants and animals allow them to survive in a particular environment;

3.10B investigate and compare how animals and plants undergo a series of orderly changes in their diverse life cycles such as tomato plants, frogs, and ladybugs.