On May 28, Fernwood Middle School held its annual Financial Literacy Fair, an engaging and hands-on event where 8th-grade students experienced the real-life challenges of managing money as adults. With the help of their PFL teacher Mr. Lee, each student chose a career, a monthly salary, and a set of financial responsibilities ranging from housing and transportation to entertainment and savings. Their goal? Build a balanced budget without overspending and make thoughtful decisions about needs versus wants.

As students worked through their budgets, many realized how quickly expenses like groceries, phone bills, and transportation can add up. Those who exceeded their budget had to problem-solve, revisit their choices, and make sacrifices like adults often do. The experience helped students understand that budgeting isn't about restricting joy, but about planning wisely and prioritizing what matters most.

A special highlight of the day was the support from student volunteers at Egg Harbor Township High School’s Academy of Law and Business. These high schoolers helped staff booths for categories like food, travel, and pets, bringing both enthusiasm and a helpful, peer-to-peer perspective. Their presence made the event feel even more welcoming and collaborative, with many Fernwood students enjoyed asking them questions, getting advice, and hearing what high school is really like. Their patience and kindness helped make budgeting feel a little less intimidating and a lot more real.

The Financial Literacy Fair is an annual tradition supported by staff and community members across the district. Alder Avenue Middle School is preparing to host their version of the fair soon, giving even more students the chance to explore the realities of adult finances. Thanks to all who participated and volunteered, our students walked away with not just a budget, but a better understanding of how to plan for a financially healthy future.