Life Taught Clearly
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•Module 3 Worksheet

Bills, Taxes, and Monthly Responsibility

Use this worksheet to turn the course material into an actual conversation and one real next step.

Best use: read the matching lesson first, then use this worksheet right away and end with one practical commitment for the week.
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Part 1 - Foundations check

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

Understands common monthly bills.
Understands what utilities are.
Understands what a due date means.
Understands what a late fee is.
Understands why take-home pay is lower than gross pay.
Understands why paperwork matters.

Part 2 - Adult bills brainstorm

housing
utilities
groceries
phone
transportation
insurance
subscriptions
debt payments if any
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
Electricity
Groceries
Gas
Phone bill
Netflix
Car insurance
Internet

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— :
$
$
$

Your answers are saved automatically in this browser.

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:

Your answers are saved automatically in this browser.

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.

This worksheet should help the lesson turn into one specific decision, conversation, or rep this week.

Write your commitment

Suggested use

  • Read the matching lesson first, not just the module overview.
  • Use this worksheet right away while that specific lesson is still fresh.
  • Leave with one action you can actually do this week, not a vague intention.