2nd Grade Saving, Borrowing, and Giving worksheets

About this worksheet

Second grade grows the money strand with Texas TEKS 2. 11, which introduces saving that grows over time, the difference between a deposit and a withdrawal, responsible versus irresponsible borrowing, the benefits and costs of lending, and the difference between a producer who makes something and a consumer who buys it. This worksheet follows children saving a set amount each week toward a goal, putting money into or taking money out of a savings account, borrowing a small amount from a friend or family member, lending money to someone in need, and buying something a baker, farmer, or toy maker produced.

Watch for a child who thinks a deposit and a withdrawal are the same action in opposite directions rather than two distinct banking terms with their own names. Also watch for a child who assumes borrowing is automatically bad; borrowing becomes irresponsible only when it is not paid back. A producer and a consumer can be the same family on different days — a farmer who grows vegetables to sell is also a consumer when buying a toy.

What your child will learn

• Calculate savings that grow week by week
• Tell a deposit from a withdrawal
• Describe responsible versus irresponsible borrowing
• Explain a benefit or a cost of lending money
• Tell a producer from a consumer