Personal Merit Badge Workbook Details

Last month, the Boy Scouts of America released an updated merit badge personal form. This new form replaces the prior version, which was last updated in 2013. The new form is meant to simplify the process for assembling and submitting a packet of information required to earn a merit badge. It also includes sections for listing achievements and experiences related to the badge's subject matter. Here are some key points about the new merit badge personal form: -The form is now nine pages long, down from twelve pages in the previous version. -There is a section for listing achievements and experiences related to the badge's subject matter. -A committee reviews submissions and determines if they meet all requirements before awarding a badge.

You'll find info about the type of form you intend to complete in the table. It can tell you the time it will take to fill out merit badge personal, what parts you need to fill in, and so forth.

QuestionAnswer
Form NameMerit Badge Personal
Form Length21 pages
Fillable?No
Fillable fields0
Avg. time to fill out5 min 15 sec
Other namespersonal management merit badge worksheet 2019, personal fitness merit badge workbook 2020, bsa personal management workbook, personal management merit badge workbook 2019

Form Preview Example

Personal Management

Merit Badge Workbook

This workbook can help you but you still need to read the merit badge pamphlet.

This Workbook can help you organize your thoughts as you prepare to meet with your merit badge counselor. You still must satisfy your counselor that you can demonstrate each skill and have learned the information.

You should use the work space provided for each requirement to keep track of which requirements have been completed,

and to make notes for discussing the item with your counselor, not for providing full and complete answers.

If a requirement says that you must take an action using words such as "discuss", "show",

"tell", "explain", "demonstrate", "identify", etc, that is what you must do.

Merit Badge Counselors may not require the use of this or any similar workbooks.

No one may add or subtract from the official requirements found in Scouts BSA Requirements (Pub. 33216 – SKU 653801). The requirements were last issued or revised in 2019 • This workbook was updated in September 2020.

Scout’s Name:__________________________________________ Unit: __________________________________________

Counselor’s Name: ____________________ Phone No.: _______________________ Email: _________________________

http://www.USScouts.Orghttp://www.MeritBadge.Org

Please submit errors, omissions, comments or suggestions about this workbook to: Workbooks@USScouts.Org

Comments or suggestions for changes to the requirements for the merit badge should be sent to: Merit.Badge@Scouting.Org

_________________ ___________________________ _________ ____________ ____________________________________________________________________ ____

1.Do the following:

a.Choose an item that your family might want to purchase that is considered a major expense.

b.Write a plan that tells how your family would save money for the purchase identified in requirement 1a.

1. Discuss the plan with your merit badge counselor.

Workbook © Copyright 2020 - U.S. Scouting Service Project, Inc. - All Rights Reserved

Requirements © Copyright, Boy Scouts of America (Used with permission.)

This workbook may be reproduced and used locally by Scouts and Scouters for purposes consistent with the programs of the Boy Scouts of America (BSA), the World Organization of the Scout Movement (WOSM) or other Scouting and Guiding Organizations.

However it may NOT be used or reproduced for electronic redistribution or for commercial or other non-Scouting purposes without

the express permission of the U. S. Scouting Service Project, Inc. (USSSP).

Personal Management

 

Scout's Name: ____ ____ ________ _____

2.

Discuss the plan with your family.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

3. Discuss how other family needs must be considered in this plan.

c. Develop a written shopping strategy for the purchase identified in requirement la.

1. Determine the quality of the item or service (using consumer publications or ratings systems).

Personal Management - Merit Badge Workbook

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Personal Management

Scout's Name: ___________ ____________

2.Comparison shop for the item. Find out where you can buy the item for the best price. (Provide prices from at least two different price sources.)

Source

Price

 

 

 

 

 

 

 

 

 

 

 

 

Call around; study ads. Look for a sale or discount coupon. Consider alternatives.

Can you buy the item used?

Should you wait for a sale?

2.Do the following:

c a. Prepare a budget reflecting your expected income (allowance, gifts, wages), expenses, and savings for a period of

13consecutive weeks

(There is a blank Sample Budget Plan table to set up a budget, summarize actual income nd expenses, and compare them monthly at the end of this workbook, with a partially completed example.)

c b. Compare expected income with expected expenses.

1.If expenses exceed budget income, determine steps to balance your budget.

Personal Management - Merit Badge Workbook

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Personal Management

Scout's Name: ___________ ____________

2. If income exceeds budget expenses, state how you would use the excess money (new goal, savings).

3.Track and record your actual income, expenses, and savings for 13 consecutive weeks (the same 13-week period for which you budgeted). (You may use the forms provided in this pamphlet, devise your own, or use a computer-generated version.) When complete, present the records showing the results to your merit badge counselor.

(There is a table for tracking your actual weekly income and expenses that you can use, at the end of this workbook, together with a partially completed example.)

4.Compare your budget with your actual income and expenses to understand when your budget worked and when it did not work. With your merit badge counselor, discuss what you might do differently the next time

3.Discuss with your merit badge counselor FIVE of the following concepts: c a. The emotions you feel when you receive money.

c b. Your understanding of how the amount of money you have with you affects your spending habits.

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Personal Management

Scout's Name: ________________________

cc. Your thoughts when you buy something new and your thoughts about the same item three months later.

Explain the concept of buyer's remorse.

cd. How hunger affects you when shopping for food items (snacks, groceries).

ce. Your experience of an item you have purchased after seeing or hearing advertisements for it.

Did the item work as well as advertised?

c f. Your understanding of what happens when you put money into a savings account.

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Personal Management

Scout's Name: ________________________

cg. Charitable giving. Explain its purpose and your thoughts about it.

ch. What you can do to better manage your money.

4.Explain the following to your merit badge counselor:

a.The differences between saving and investing, including reasons for using one over the other. Saving:

Investing:

Reasons for using one over the other:

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Personal Management

Scout's Name: ________________________

b.The concepts of return on investment and risk and how they are related.

c.The concepts of simple interest and compound interest Simple interest:

Compound interest:

d.The concept of diversification in investing.

e.Why it is important to save and invest for retirement.

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Personal Management

Scout's Name: ________________________

5.Explain to your merit badge counselor what the following investments are and how each works:

a.Common stocks.

b.Mutual Funds

c.Life Insurance

d.A certificate of deposit (CD)

e.A savings account.

f.A U.S. savings bond.

Personal Management - Merit Badge Workbook

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Personal Management

Scout's Name: ________________________

6.Explain to your counselor why people might purchase the following types of insurance and how they work:

a.Automobile

b.Health

c.Homeowner’s/renter’s

d.Whole life and term life

7.Explain to your merit badge counselor the following:

a.What a loan is, what interest is, and how the annual percentage rate (APR) measures the true cost of a loan. What a loan is:

What interest is:

Personal Management - Merit Badge Workbook

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Personal ManagementScout's Name: ________________________

and how the annual percentage rate (APR) measures the true cost of a loan:

b.The different ways to borrow money.

c.The differences between a charge card, debit card, and credit card. Charge card

Debit card,

Credit card.

Personal Management - Merit Badge Workbook

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Personal Management

Scout's Name: ________________________

What are the costs and pitfalls of using these financial tools?

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Explain why it is unwise to make only the minimum payment on your credit card.

d.Credit reports and how personal responsibility can affect your credit report. Credit reports:

How personal responsibility can affect your credit report:

e.Ways to reduce or eliminate debt.

Personal Management - Merit Badge Workbook

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Personal Management

Scout's Name: ___________ ____________

8.Demonstrate to your merit badge counselor your understanding of time management by doing the following:

c a. Write a "to do" list of tasks or activities, such as homework assignments, chores, and personal projects, that must be done in the coming week. List these in order of importance to you.

c b. Make a seven-day calendar or schedule. Put in your set activities, such as school classes, sports practices or games, jobs or chores, and/or Scout or place of worship or club meetings, then plan when you will do all the tasks from your "to do" list between your set activities.

c c. Follow the one-week schedule you planned. Keep a daily diary or journal during each of the seven days of this week's activities, writing down when you completed each of the tasks on your "to do" list compared to when you scheduled them.

c d. With your merit badge counselor, review your "to do" list, one-week schedule, and diary/journal to understand when your schedule worked and when it did not work.

(There is a Time Management Worksheet which can be used for planning your weekly set activities and tasks and for tracking your actual “to do” list results, at the end of this workbook, with an example.)

Discuss what you might do differently the next time.

9.Prepare a written project plan demonstrating the steps below, including the desired outcome. This is a project on paper, not a real-life project. Examples could include planning a camping trip, developing a community service project or a school or religious event, or creating an annual patrol plan with additional activities not already included in the troop annual plan. Discuss your completed project plan with your merit badge counselor.

a.Define the project. What is your goal?

b. Develop a timeline for your project that shows the steps you must take from beginning to completion.

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Personal Management

Scout's Name: ________________________

c.Describe your project.

d.Develop a list of resources. Identify how these resources will help you achieve your goal.

e.Develop a budget for your project.

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Personal Management

Scout's Name: ________________________

10.Do the following:

a.Choose a career you might want to enter after high school or college graduation.

Discuss with your counselor the needed qualifications, education, skills, and experience..

b.Explain to your counselor what the associated costs might be to pursue this career, such as tuition, school or training supplies, and room and board. Explain how you could prepare for these costs and how you might make up for any shortfall.

*Always be sure to have proper permission before using the internet. To learn about appropriate behavior and etiquette while online, consider earning the BSA Cyber Chip. Go to www.scouting.org/training/youth-protection/cyber-chip/ for more information.

When working on merit badges, Scouts and Scouters should be aware of some vital information in the current edition of the Guide to Advancement (BSA publication 33088). Important excerpts from that publication can be downloaded from http://usscouts.org/advance/docs/GTA-Excerpts-meritbadges.pdf.

You can download a complete copy of the Guide to Advancement from http://www.scouting.org/filestore/pdf/33088.pdf.

Personal Management - Merit Badge Workbook

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Personal Management

 

 

 

Scout's Name: ________________________

 

 

 

 

Sample Budget Plan

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Month 1

 

 

Month 2

 

 

Month 3

 

 

 

 

 

 

 

 

 

 

Income Sources

Budget

Actual

Over/

Budget

Actual

Over/

Budget

Actual

Over/

Under

Under

Under

Allowance

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Gifts

Wages

Other

Income Totals

Expenses

Savings-pay yourself 1st

Donations/Charity

Food/Meals out

Clothing

Entertainment/Movies

CDs/DVDs, etc.

Recreation

Sports/Hobbies

Travel

Books/Magazines

Gifts

Other:

Expense Totals

Income - Expenses

Note The Budget Expense Total each month should equal the Budget Income Total. After each Month is completed, review the Over/Under amounts and adjust the budget for the following month

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Personal Management

Scout's Name: _____________________

 

Table for tracking your actual income, expenses, and savings for 13 consecutive weeks.

Page 1 of 4

 

Date

Description of Daily Income or Expense

Category

Income

Expense

Balance

Week 1

 

 

Opening Balance

 

 

.

 

 

 

 

Week 2

Week 3

Week 4

Personal Management - Merit Badge Workbook

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Personal Management

Scout's Name: _____________________

 

Table for Tracking your actual income, expenses, and savings for 13 consecutive weeks. ___ Page 2 of 4

 

Date

Description of Daily Income or Expense

Category

Income

Expense

Balance

Week 5

 

 

Week 4 Ending Balance

 

 

.

 

 

 

 

Week 6

Week 7

Week 8

Personal Management - Merit Badge Workbook

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Personal Management

Scout's Name: _____________________

 

Table for Tracking your actual income, expenses, and savings for 13 consecutive weeks. ___ Page 3 of 4

 

Date

Description of Daily Income or Expense

Category

Income

Expense

Balance

Week 9

 

 

Week 8 Ending Balance

 

 

.

 

 

 

 

Week 10

Week 11

Week 12

Table for Tracking your actual income, expenses, and savings for 13 consecutive weeks.

Page 4 of 4

Personal Management - Merit Badge Workbook

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Personal Management

 

Scout's Name: _____________________

Date

Description of Daily Income or Expense

Category

Income

Expense

Balance

Week 13

 

 

Week12 Ending Balance

 

.

 

 

 

 

 

 

 

 

Time Management Worksheet

 

 

 

“Planned Schedule

Scheduled Time

Day 1

Day 2

Day 3

Day 4

Day 5

Day 6

Day 7

Set Activities

To Do” Tasks

Actual Results

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Personal Management

 

 

Example Budget Plan

Scout's Name: _____________________

 

 

 

 

 

 

 

 

 

Month 1

 

 

Month 2

 

 

Month 3

 

Income Sources

Budget

Actual

Over/

Budget

Actual

Over/

Budget

Actual

Over/

Under

Under

Under

 

 

 

 

 

 

 

Allowance

20.00

20.00

 

20.00

 

 

 

 

 

Gifts

16.00

18.00

2.00

 

 

 

 

 

 

Wages

80.00

60.00

-20.00

80.00

 

 

 

 

 

Other

10.00

12.50

2.50

12.00

 

 

 

 

 

Income Totals

126.00

110.50

-15.50

112.00

 

 

 

 

 

Expenses

 

 

 

 

 

 

 

 

 

Savings-pay yourself 1st

25.00

25.00

 

42.00

 

 

 

 

 

Donations/Charity

15.00

12.00

-3.00

10.00

 

 

 

 

 

Food/Meals out

20.00

28.75

8.75

25.00

 

 

 

 

 

Clothing

30.00

 

-30.00

 

 

 

 

 

 

Entertainment/Movies

16.00

25.15

9.15

10.00

 

 

 

 

 

CDs/DVDs, etc.

 

 

 

 

 

 

 

 

 

Recreation

 

 

 

 

 

 

 

 

 

Sports/Hobbies

10.00

12.25

2.25

15.00

 

 

 

 

 

Travel

 

 

 

 

 

 

 

 

 

Books/Magazines

 

 

 

 

 

 

 

 

 

Gifts

 

5.00

5.00

 

 

 

 

 

 

Other:

10.00

 

-10.00

10.00

 

 

 

 

 

Expense Totals

126.00

108.15

-17.85

112.00

Income - Expenses

0

2.35

2.35

0.

Note The Budget Expense Total each month should equal the Budget Income Total. After each Month is completed, reviewthe Over/Under amounts and adjust the budget for the following month

Personal Management - Merit Badge Workbook

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Personal Management

Scout's Name: _____________________

Date

Example of tracking actual income, expenses, and savings

 

 

Description of Daily Income or Expense

Category

Income

Expense

Balance

Week 1

 

 

Opening Balance

15.00

6/20/2020

Movie with friends

Entertainment

 

8.50

6.50

6/22/2020

Lunch at school

Food

 

4.25

2.25

6/24/2020

3 hours working at restaurant last week

Job

18.00

 

20.25

6/25/2020

Money from mom

Allowance

5.00

 

25.25

Week 2

 

 

 

6/29/2020 Lunch at school

Food

4.25

21.00

 

 

Example of Time Management Exercise

 

 

 

Set Activities

Scheduled Time

Day 1

Day 2

Day 3

Day 4

Day 5

Day 6

Day 7

School

8am - 3pm

 

X

X

X

X

X

 

Basketball

3pm - 5pm

 

X

X

X

X

X

 

Scouts

7pm - 8:30pm

 

 

X

 

 

 

 

Church

9am - 10am

X

 

 

 

 

 

 

To Do” Tasks

 

 

 

 

 

 

 

 

Homework

6pm - 8pm

 

x

 

x

 

 

 

Homework

5:30 - 6:30 pm

 

 

x

 

x

 

 

Home chores

10am - Noon

 

 

 

 

 

 

x

Personal Mgmt MB

9pm - 9:30pm

x

x

x

x

x

x

 

Work at Corkys

6pm - 9pm

 

 

 

 

 

x

 

Science Project

7pm - 8pm

 

x

 

x

 

 

 

Movie with friends

2pm - 4pm

x

 

 

 

 

 

 

Actual Results

TotalTime

Day 1

Day 2

Day 3

Day 4

Day 5

Day 6

Day 7

Homework

4 hrs

 

2 hrs

1 hr

1 hr

 

 

 

Home chores

3 hrs

 

 

 

 

 

3 hrs

 

Personal Mgmt MB

2 hrs

30 min

 

15 min

15 min

20 min

 

15 min

Work at Corkys

3.5 hrs

 

 

 

 

3.5 hrs

 

 

Science Project

1 hr

 

 

 

1 hr

 

 

 

Movie with friends

5 hrs

5 hrs

 

 

 

 

 

 

Personal Management - Merit Badge Workbook

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