At JOY Making A Difference, we believe in giving students the tools they need to succeed. Our worksheets are designed to teach financial literacy, entrepreneurship, and academic skills in a fun, engaging way.
Below are sample materials from our curriculum, created for students ages 10–13, to show how our work aligns with school-based learning goals.
The worksheets displayed here are samples that demonstrate the type of learning activities built into our program. While these previews highlight the structure and design, our full curriculum is hands-on, interactive, and individualized.
Each child in our program receives full access to their own set of materials, ensuring that every student can actively participate, practice skills, and apply lessons in real time.
JOY Making A Difference
Sample Worksheet Preview Section
Disclaimer: The worksheets displayed here are provided for preview purposes only. All content, including text, images, and designs, is the intellectual property of JOY (Just Our Youth) Making a Difference and is protected under copyright law. These materials may not be copied, reproduced, distributed, or used for any purpose outside of JOY programs without prior written permission. Full versions of the curriculum and worksheets are exclusively available to enrolled students.
Financial Literacy Worksheet: “Budgeting Basics”
Students learn how to track income and expenses with real-life examples.
Entrepreneurship Worksheet: “Dream It, Build It”
Students brainstorm a business idea and walk through steps to bring it to life.
STEM & Problem-Solving Worksheet: “Math in Motion”
Students apply math skills to real-world problem-solving challenges.
Financial Literacy Worksheet: “Saving Goals”
Students (ages 10–13) set a short-term savings goal and progress tracker
Financial Literacy Worksheet: “Smart Spending”
Students (ages 10–13) compare wants vs. needs and practice making smart spending choices.
Family Financial Literacy Worksheet: “Family Budget Starter”
Families with children (ages 10–13) list income, track expenses, and set a simple savings goal together.
Local & Community Resources
JOY’s campus at 201 Buck Street, Millville, NJ 08332 is surrounded by youth- and family-focused community partners.
Our Partners
Education Partners
Millville Public Schools – Serving students Pre-K through 12.
Millville Public Schools
Cumberland County Technical Education Center – Hands-on career training for high school students. CCTEC
Youth & Community Enrichment
Millville Public Library (210 Buck Street) – Reading, homework help, and teen programs. Millville Public Library
Levoy Theatre (126–130 North High Street) – Arts education and cultural programming. Levoy Theatre
Colonial Florists & Gifts (311 North High Street) – Local family-owned small business. Colonial Florists
El Guacamole (16 North High Street) – Family-friendly restaurant and community gathering place. El Guacamole