Published at Sunday, 22 November 2020. Worksheets. By Fealty Marques.
The biggest complaint about budgeting is that it is too hard and takes too much time. Look for something that not only does all of the above functions, but is also easy to use from the get-go. The forms should be intuitive, easy to identify the cells to fill in data, and easy to read print out report. Finally, my gauge of a truly excellent budgeting worksheet is to ask yourself, "Is this a report that I had be comfortable taking to a financial planner, banker, or other professional for further advice or coaching?" If the answer is yes, then you have done a good job!
NEVER use "skill and drill" worksheets. These are the worksheets just made up of columns of problems. There are better materials out there, so do not resort to skill and drill. The very worst problem of skill and drill worksheets is the greatly increased chance of a practiced mistake. The same problem will likely appear several times on the same sheet. A wrong answer once means a wrong answer several times; and a practiced mistake takes hundreds of correct repetitions to fix. This danger alone is important enough to never use any worksheet. I am quite serious about how difficult it is to repair a practiced mistake. Learning is hard enough. Re-learning is much more difficult.
According to the research, solid early mathematics skills are the strongest predictor of future academic success; greater than early reading skills, attention skills, and socioeconomic factors! So what early math skills are most important? The research focuses on "school-entry math skills" such as understanding small numbers (up to 30), quantities, and simple shapes. In addition, being able to count, compare, sort, and describe objects (up to 30) are considered core kindergarten math skills. A host of online tools are available to help young children improve their math and reading skills and technology has made great strides in the past several years in areas related to children has educational software. However, many of the technical advances may be overwhelming for young learners. Websites with 3D graphics and online virtual worlds ("edutainment") may be a useful tool for older children looking to build skills while having fun on the computer. However, younger children can be easily distracted by the overuse of technology in many of these programs.
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