Life Taught Clearly
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Life Taught Clearly

Bills, Taxes, and Monthly Responsibility

Module 3 Worksheet

Part 1 - Foundations check

Mark each statement as Solid, Needs work, or Not yet.

Understands common monthly bills.
☐ Solid☐ Needs work☐ Not yet
Understands what utilities are.
☐ Solid☐ Needs work☐ Not yet
Understands what a due date means.
☐ Solid☐ Needs work☐ Not yet
Understands what a late fee is.
☐ Solid☐ Needs work☐ Not yet
Understands why take-home pay is lower than gross pay.
☐ Solid☐ Needs work☐ Not yet
Understands why paperwork matters.
☐ Solid☐ Needs work☐ Not yet

Part 2 - Adult bills brainstorm

housing
☐ Solid☐ Needs work☐ Not yet
utilities
☐ Solid☐ Needs work☐ Not yet
groceries
☐ Solid☐ Needs work☐ Not yet
phone
☐ Solid☐ Needs work☐ Not yet
transportation
☐ Solid☐ Needs work☐ Not yet
insurance
☐ Solid☐ Needs work☐ Not yet
subscriptions
☐ Solid☐ Needs work☐ Not yet
debt payments if any
☐ Solid☐ Needs work☐ Not yet
What bills or recurring costs do most adults pay?
What did they miss?

Part 3 - What is this cost?

Click or mark the best fit.

Rent
☐ Housing☐ Utility☐ Transportation☐ Food☐ Insurance☐ Extra / optional
Electricity
☐ Housing☐ Utility☐ Transportation☐ Food☐ Insurance☐ Extra / optional
Groceries
☐ Housing☐ Utility☐ Transportation☐ Food☐ Insurance☐ Extra / optional
Gas
☐ Housing☐ Utility☐ Transportation☐ Food☐ Insurance☐ Extra / optional
Phone bill
☐ Housing☐ Utility☐ Transportation☐ Food☐ Insurance☐ Extra / optional
Netflix
☐ Housing☐ Utility☐ Transportation☐ Food☐ Insurance☐ Extra / optional
Car insurance
☐ Housing☐ Utility☐ Transportation☐ Food☐ Insurance☐ Extra / optional
Internet
☐ Housing☐ Utility☐ Transportation☐ Food☐ Insurance☐ Extra / optional

Part 4 - Paycheck reality check

Use simple real-life examples instead of only definitions.

Example: hourly versus salary

  • • Hourly example: 20 hours at $14/hour means pay changes when hours change.
  • • Salary example: a fixed annual amount usually stays more consistent each pay period.
  • • Beginner takeaway: most teens start in hourly work, so they should understand that fewer hours usually means less pay.
  • • YOUR TURN:
  • • My teen's gross pay estimate: $___
  • • Expected take-home: $___
  • • Difference: $___
  • • What accounts for the difference: ___
Gross pay means:
Take-home pay means:
Why are they different?
What is one important difference between hourly work and salary?

Part 5 - Mock adult calendar and bill example

Use this to practice life-admin awareness.

Example adult month

  • • 1st: rent due
  • • 5th: phone bill
  • • 10th: car insurance
  • • 15th: doctor appointment
  • • 20th: internet bill
  • • weekly: groceries and gas
  • • Teaching point: adulthood often feels hard because it is full of normal recurring responsibilities.
  • • YOUR TURN — fill in your teen's next month:
  • • 1st: ___
  • • 5th: ___
  • • 10th: ___
  • • 15th: ___
  • • 20th: ___
  • • 25th: ___
  • • Recurring weekly: ___
Which items in this calendar would need reminders?
What could go wrong if someone never looked ahead at the month?

Next action

This week, use this worksheet right after the exact Module 3 lesson you read, then practice one real communication move: say the hard thing clearly, set one boundary, or clean up one avoidable conflict.

Write the commitment here