No doubt you’ve had kids ask, “Why do we need to know this stuff?” In my classroom, we spend a lot of time talking about the “real world,” and nothing we do is more “real world” than The Checkbook Project. In my building, we implement it around this time of year with all our 4th and 5th graders. If we waited any longer, the kids would riot!

I want to encourage you to give it a try—and this is a great time of year to do so—but before you do, heed this warning:

In The Checkbook Project, kids maintain checkbook registers. They earn money by completing assignments, attending class, and passing tests. School is their job. They also pay fines for “breaking the law,” pay taxes, and rent or buy their desks. Kids who work hard and consistently attend class tend to do well, accumulating upwards of three grand by the end of May. Kids with poor study skills, poor attendance, or poor spending habits tend to struggle—so much so that some even end up in “the homeless shelter.”

The homeless shelter is a single desk around which kids gather when they don’t have the resources to rent their desks. Granted, it sounds a bit harsh. It may even be a bit controversial. Certainly, it gives me no pleasure to see Stevie, Pablo, or Cynthia crowded around a single desk at the front of the room. But isn’t it better Stevie, Pablo, and Cynthia experience the consequences of poor work ethic in fifth grade rather than on the mean streets of real life? After all, homeless shelters do exist in the real world, and perhaps it’s the threat of landing there that keep many of us working hard.

Poverty and homelessness are serious problems in America. There are plenty of folks out there facing such grim prospects despite their best efforts. The Checkbook Project isn’t meant to degrade them. Better, the project prompts numerous discussions on the subject. One of my favorites is about how the guy holding that sign on the freeway ramp got there. Students have a host of preconceived notions and theories about homelessness, including that he might not be standing there at all had his fifth grade teacher used The Checkbook Project.

I’ve also seen the Homeless Shelter bring about the best in my students. If you implement The Checkbook Project, you’ll see neighbors help neighbors make rent. You’ll see students push their buddies to get their work done. One year I even had a kid start a charity organization. He maintained a second register in which he collected donations from his classmates and doled out grants to needy students who were short on rent.

I recently received a text from a former student-teacher telling me her administration has told her to disband or at least rename her “homeless shelter.” I wish I were there to lobby her principal and parents, but she’s half way across the country. The best I can do is suggest some politically-correct alternatives. “Group house”, “hostel”, and “shared housing” come to mind. So too does “Dickens’ House” and “Grandma’s Basement.” (Okay, that last one may not be so politically-correct.) Regardless of the name, whether it’s a homeless shelter or merely communal living, it will likely motivate struggling students to work a bit harder.

I created The Checkbook Project nearly a decade ago to combat what I call “academic apathy.” Over the years it has consistently proven itself to be an engaging way to get kids invested in their studies, teach work ethic, and give kids “real world” experience in the safety of the classroom. And because I believe these are essential lessons every kid needs, it’s also free. Every last bit of it. For more details on how it works, click here.

Happy directing!