Grade 2MathTEKS 2.11B

Grade 2 Math TEKS 2.11B:Saving vs. Spending

Free, teacher-ready lessons and worksheets for Saving vs. Spending in Grade 2 Math, fully aligned to Texas TEKS 2.11B.

Explain that saving is an alternative to spending

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      Grade 2 Math TEKS Lessons

      TEKS 2.11B: Saving vs. Spending

      • Saving and Spending

        About this lesson

        Learning Target: I can explain the difference between saving and spending.

        Focuses On:

        • Outlining the habits of saving
        • Calculating savings over time
        • Outlining the habits of spending

        Builds On:

        While there is not a direct connection to a first grade standard, the goal of the personal financial literacy standards are for students to manage financial resources effectively for lifetime financial security.

        Next Level:

        3.9E:

        List reasons to save and explain the benefit of a savings plan, including for college

        Non-tested Standards

        3.9C:

        Identify the costs and benefits of planned and unplanned spending decisions 

        3.9F:

        Identify decisions involving income, spending, saving, credit, and charitable giving

        Read More:

        This lesson is designed to support student understanding of saving and spending.


        The two instructional blocks in this lesson focus on calculating savings over time, and determining wants or needs when spending.


        In the first instructional block, students are presented with habits for saving and they calculate savings over time based on different scenarios.


        The second instructional block focuses on the difference between wants and needs when deciding to spend versus save.


        Scaffolds such as supported expressions and visual models are intentionally built throughout the lesson to support conceptual learning.  

        Grade 2MathTEKS 2.11B

      Grade 2 Math TEKS Worksheets

      TEKS 2.11B: Saving vs. Spending

      See all 7 worksheets

      • Producers and Consumers

        Grade 2MathTEKS 2.11B

      • Saving and Spending

        Grade 2MathTEKS 2.11B

      • Skill Builder: Borrowing and Lending

        Grade 2MathTEKS 2.11B

      • Borrowing and Lending

        Grade 2MathTEKS 2.11B

      • Skill Builder: Producers and Consumers

        Grade 2MathTEKS 2.11B

      • Skill Builder: Saving and Spending

        Grade 2MathTEKS 2.11B

      • Full Topic: Personal Finance

        Grade 2MathTEKS 2.11B

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      Frequently Asked Questions

      How do you teach Saving vs. Spending to 2nd graders?

      To teach Saving vs. Spending to 2nd grade Math students, start with concrete, hands-on models, then move to pictorial representations before abstract notation. TEKS 2.11B asks students to explain that saving is an alternative to spending. Crystal Instruction's free ClearLessons for 2.11B walk through this progression with modeling, guided practice, and built-in checks for understanding, while the ClearSheets provide scaffolded practice. You can download both free on this page.

      What is 2.11B in 2nd grade Math?

      TEKS 2.11B is a 2nd grade Math standard for Saving vs. Spending. It requires students to explain that saving is an alternative to spending. It is part of the Texas Essential Knowledge and Skills (TEKS) for Grade 2 Math.

      Where can I find free TEKS 2.11B lessons and worksheets?

      You can download free TEKS 2.11B lessons and worksheets directly on this page — no login or account required. Crystal Instruction provides free PDF versions of our Saving vs. Spending ClearLessons and ClearSheets for Grade 2 Math, and each one is also available as an interactive lesson inside the full Crystal Instruction platform.

      What skills are included in 2nd grade Saving vs. Spending?

      TEKS 2.11B (Saving vs. Spending) covers the following 2nd grade Math skills: students learn to explain that saving is an alternative to spending. Free resources for this standard include Saving and Spending.

      Are TEKS 2.11B resources aligned to STAAR?

      Although Grade 2 Math is not directly tested on the Texas STAAR test, TEKS 2.11B builds the foundational skills students need for later STAAR assessments. Every Crystal Instruction ClearSheet for 2.11B is STAAR-aligned, and our ClearLessons are built to STAAR rigor using released STAAR test items, so students practice Saving vs. Spending at the depth STAAR expects.