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Girl Scouts of the USA 420 Fifth Avenue New York, NY 10018-2798 For a downloadable version of this booklet, go to www.girlscouts.org/program/gs_cookies.
five ways
Creating Financially that Girl Scouting helps girls
Empowered Leaders become financially savvy—
now and in the future
T 1
he world’s current economic challenges have made one thing clear:
Financial literacy skills matter now more than ever. However, there’s a
gap when it comes to teaching young people the skills they need. Many The Girl Scout Cookie Program
parents are uncomfortable talking about money with their children. Many schools
Learning by earning
don’t have time to address an “elective” topic, such as financial literacy. And even the
financial literacy programs that are available don’t start early enough—experts say
that young people need to start learning about money as early as kindergarten. 2
The Girl Scout Cookie Business Curriculum
Girl Scouts has the financial empowerment program to fill that gap. We offer all
girls—from kindergartners to high school seniors—the opportunity to build their
Expanding business skills
business savvy and hone their financial literacy skills. They can do this through our
curriculum, online learning, and, of course, through the Girl Scout Cookie Program, 3
the largest girl-led business in the world. The Girl Scout Financial Literacy Curriculum
And Girl Scouts does this through our unique lens—leadership. For 100 years, we’ve Building money savvy
4
been building leadership in girls. Today, as girls learn to handle money and be self-
reliant, they are also learning how to bring their own values to the business world
and how to use their time, talent, and resources (including money!) to make the The Girl Scout Entrepreneurship Program
world a better place.
Developing innovative thinking
5
Online Learning for Girls
Inspiring girls in the digital space
© 2012 by Girl Scouts of the USA
First published in 2012 by Girl Scouts of the USA, 420 Fifth Avenue, New York, NY 10018-2798 www.girlscouts.org
All rights reserved. This book may not be reproduced in whole or in part in any form or by any means, electronic or mechanical, including
photocopying, recording, or by any information storage or retrieval system now known or hereafter invented, without the prior written
permission of Girl Scouts of the United States of America.
Printed in the USA
3
The Girl Scout By “learning by earning,” girls develop
Cookie Program five valuable life skills.
What Girls Learn: Why Do These
The 5 Skills 5 Skills Matter?
When girls participate in the largest girl-led business Because when a girl has learned these skills,
in the world, they learn these essential 5 Skills: she’ll be poised for career success. In a Girl Scout, What’s in
Our Future?
future employers will find: eCookie will be a real
GOAL SETTING
.
business, run by girls,
Girls set cookie sales goals and, with their team, create in real time. We will
a plan to reach them. A girl who can set goals and meet deadlines. provide girls with
DECISION MAKING . A girl who works well with others.
essential tools and
information for their
.
Girls develop a basic business plan for cookie sales and in-person sales, as well
work as a team to decide when and where to sell cookies as offer the opportunity
and what to do with the money they earn. A girl who understands customers. to sell cookies online.
MONEY MANAGEMENT . A girl who can influence others.
eCookie will give girls
another way to explore,
.
practice, and fully
Girls develop a budget, take cookie orders, handle
develop the 5 Skills.
customers’ money, and gain valuable practical life skills. A girl who is honest, trustworthy, and reliable. eCookie will “graduate”
the next generation of
PEOPLE SKILLS girls selling cookies by
Girls learn how to talk to, listen to, and work with all kinds What employer doesn’t want this? preparing them to start
of people while selling cookies. and run businesses,
generate and manage
BUSINESS ETHICS profits, and produce
Girls are honest and responsible during every step new insights the world
of cookie sales. is waiting for!
4 5
The Girl Scout Girls develop specific business skills through
Cookie Business Curriculum the “learning lab” of the cookie sale.
Badge What Girls Learn What It Means Badge What Girls Learn What It Means
DAISY How to set sales goals by learning When girls walk into a grocery store, they CADETTE How to write a mission statement and When girls put their purpose on paper, they get
(Grades K–1) about the different kinds of cookies will know that foods cost money and have (Grades 6–8) set business goals. a clearer sense of what is important to them
t!
nI
Ru
s–
Count It Up sin
es and what they cost. value. Family discussions about shopping Business and how to make these values a reality through
r Bu
ou bills and “saving for a rainy day” will become Plan thoughtful planning.
Y
It’s
more meaningful.
CADETTE How to create brand identity, measure By understanding that brands have an
(Grades 6–8) the competition, and develop a identity and that they do too, girls can
DAISY How to agree on what to do with their Young girls are beginning to learn how to
Marketing marketing message. distinguish between buying something
(Grades K–1) cookie money, and let their customers make important decisions together. Team-
they want or need from a company they
It!
un
Talk It Up es
s–
R
know their goals. work helps girls communicate their ideas,
us
in believe in versus a company they don’t.
Yo
u rB
listen, compromise, and not get their feelings
t ’s
I
hurt in the process.
CADETTE How to apply their financial literacy Learning by doing is the most effective way for
(Grades 6–8) skills to their cookie businesses and girls to use their financial literacy skills in all
BROWNIE How to talk to customers, count Developing a sales pitch and being able to Think Big take their plans to a whole new level. areas of their lives, from collecting coupons to
(Grades 2–3) change, and role-play for better deliver it confidently empowers young girls, save on the family groceries to depositing their
Meet My customer relations. and gives them tools to benefit in other areas allowances into interest-bearing savings accounts.
Customers of their life—from running for student
council to convincing their soccer team
SENIOR How to create a cookie résumé and to As high school girls prepare for college and
to practice more. (Grades 9–10) communicate what they learned from future employment, they learn how to package
My their cookie sales experience. themselves effectively by gathering their
Portfolio experiences and skills to create compelling
BROWNIE Ways to set a giving goal to help Girls develop the positive habit of giving,
résumés and portfolios.
(Grades 2–3) others through their cookie sales, and begin thinking about how to build
Give Back and how to communicate this to philanthropy into their own saving and
their customers. spending plans. SENIOR How to build a customer list and Girls know that building strong relationships is
(Grades 9–10) inspire customer loyalty. important in business and pleasure, and that a
Customer little appreciation goes a long way in friendship
JUNIOR How to set up a group goal, explore Women are becoming a dominant force Loyalty and in keeping customers coming back for more.
(Grades 4–5) how a small business works, create in business—two out of five privately held
Cookie a cookie sales job list, and track sales. firms are female-owned. By finding out what
AMBASSADOR How to budget for research Understanding what it takes to turn a good idea
CEO it takes to run a business, Girl Scout Juniors (Grades 11–12) development, and develop new into a business inspires confidence in girls to see
can use these same skills in any profession
Research & ideas to bring to the marketplace. a world full of exciting opportunities and have
they choose.
Development the skills to act on them.
JUNIOR Who buys cookies and why. By doing Girls become savvier sellers and shoppers AMBASSADOR Two approaches to their cookie The Girl Scout Promise and Law helps
(Grades 4–5) the research, listening for clues, and by exploring their own purchasing power (Grades 11–12) business P & L: through understanding Ambassadors value honesty, integrity, and a
Customer asking great questions, girls find out and being aware of what attracts them to P&L the business finances (Profit & Loss) sense of corporate responsibility. Girls gain the
Insights what customers want and need. a product and compels them to buy (or not!). and applying the Girl Scouts ethics skills to put these values into action by creating
(Promise & Law). better businesses for our future.
6 For more on badges, go to http://forgirls.girlscouts.org/badges. 7The Girl Scout Girls build on their financial skills as they progress up
Financial Literacy Curriculum
the K-12 curriculum to become knowledgeable, confident, and
self-reliant consumers and business leaders.
Badge What Girls Learn What It Means Badge What Girls Learn What It Means
DAISY Money basics—recognizing different When girls begin to recognize coins and bills for CADETTE How to create a budget that reflects their Middle school girls learn that how they use their
(Grades K–1) coins and bills and knowing what they’re their value, they are doing more than collecting (Grades 6–8) values. money—from their spending habits to their savings
Money worth. with their piggy banks; they are saving. Family Budgeting goals to their support for causes they are passionate
Counts discussions of what is affordable become all the about—reflects their values.
more meaningful when girls have a sense of
what money is—not just that something is
CADETTE How to be a safe and savvy online Girls are digital natives and spend loads of time
“too expensive.” (Grades 6–8) shopper. online, chatting, surfing, and shopping. That’s why
Comparison it’s more important than ever for them to be able
DAISY The difference between needs and Learning the difference between needs and Shopping to navigate sites in safe, secure, and financially
(Grades K–1) wants, how to save for something they wants at an early age gives girls a head start savvy ways.
Making want, and how to help others with what on managing money responsibly.
Choices they need.
CADETTE How to finance their big dreams for the Girls have big dreams about everything from the
(Grades 6–8) future. career they want, to fabulous world travel, to the
Financing home they’d love to live in someday. Girls get a reality
My Dreams check when they realize how much their dreams cost
BROWNIE How much common items cost and how Young girls have few occasions to really see
and what they have to do to achieve them.
(Grades 2–3) to make change. what money does and how it’s used. More
Money often than not, parents pay by credit card or
Manager even online. Girls gain an understanding of how SENIOR How to plan for their educational future, In tough economic times, just the thought of the cost
they and their families use money day to day. (Grades 9–10) which includes researching ways to pay of a college education can be scary to girls and their
Financing for it. families. But knowledge is power when girls learn
My Future how to get the education they want without going
into years of debt.
BROWNIE Philanthropy basics, including how Girls develop a great sense of empowerment
(Grades 2–3) to help others by giving money, items, when they learn that one way they can make
Philanthropist or time. a difference in the world is through giving at SENIOR How to make a big purchase that Instead of asking their parents to foot their monthly
any level. (Grades 9–10) requires an ongoing financial bills, high school freshmen and sophomores set
Buying commitment (i.e., car payments, goals, develop budgets, and make informed decisions
Power monthly cell phone charges, etc.). and extended financial plans for that first phone or
JUNIOR The basics of running a business— A Junior Achievement poll showed that 68.6 even first car.
(Grades 4–5) coming up with a business idea, percent of teens want to be entrepreneurs. Girl
Business offering great customer service, and Scout Juniors can get a jump by learning what’s AMBASSADOR How to create a “future budget” to High school juniors and seniors will be better able to
Owner doing consumer research. involved in running a business. (Grades 11–12) determine the costs of living on their handle life after high school after taking a realistic
On My Own own. look at what it will cost.
JUNIOR An advanced look at “needs vs. wants” Girls will know how to resist the lure of fancy
(Grades 4–5) that includes figuring out what triggers packaging, sophisticated ads, or wanting to wear AMBASSADOR How to establish good credit and If girls know now how important good credit is,
Savvy their “wants” and making a savings plan. the latest trend, to save their hard-earned allow- (Grades 11–12) compare different ways to borrow they’ll be able to resist the lure of “too good to be
Shopper ance for something they really need and want. Good Credit money. true” credit card or loan offers, and set a strong
financial foundation for their future.
8 For more on badges, go to http://forgirls.girlscouts.org/badges. 9The Girl Scout When girls develop financial savvy, business skills, and innovative
Entrepreneurship Program thinking, they can become entrepreneurs who change the world.
Brownie Innovation – Inventor
Badge Category DAISY (Grades K–1) Brownie (Grades 2–3) Junior (Grades 4–5) Cadette (Grades 6–8) Senior (Grades 9–10) Ambassador (Grades 11–12) What Girls Learn How an invention develops and
takes flight, and creative ways to solve problems.
Innovation Inventor Product Entrepreneur Social
Designer Innovator What It Means Inventing is a skill, just like sports or
dancing, and any girl can do it! Girls feel empowered
when their creativity is valued and they learn the
importance of thinking big.
!
n It
Cookie Meet My Business Research &
Ru
–
ss
Count It Up rB
us
ine
Cookie CEO My Portfolio
Business I ou
Customers Plan Development
Y
It’s
Junior Innovation – Product Designer
What Girls Learn How to come up with an
innovative product that people want, like, or need.
Cookie Customer Customer
It!
n
Ru
Talk It Up es
s–
Give Back Marketing P&L
Business II Insights Loyalty What It Means When young girls test, fail, and try
s in
r Bu
u
Yo
’s
It
again, they develop persistence, learn how to overcome
obstacles, and better understand themselves in
the process.
Cookie
Think Big
Business III
Cadette Innovation – Entrepreneur
Financial Money Money Business Financing What Girls Learn How to turn a great idea into a
Budgeting On My Own great business by identifying customers, creating a
Literacy I Counts Manager Owner My Future
financial model, and writing up a business plan.
What It Means Middle school girls make their visions
a reality when they see business as a possibility for
Financial Making Savvy Comparison Buying
Philanthropist Good Credit their future, and gain practical planning skills they
Literacy II Choices Shopper Shopping Power
can apply in business and throughout their life.
Financial Financing Senior Innovation – Social Innovator
Literacy III My Dreams
What Girls Learn How to identify a social problem
and develop ideas for solutions.
What It Means The opportunities for creative and
positive social change are endless when girls look at
The Girl Scout Equation society, see connections, and develop empathy. They
(Financial Literacy + Business Skills + Innovation) X (a leadership lens) learn how to make smarter choices for their life and
the world.
= Entrepreneurship and a Better World!
10 For more on badges, go to http://forgirls.girlscouts.org/badges. 11Our 21st-Century Mission 1 Leverage children’s
Here’s what a top strategy and innovation firm has to say about how existing cr
Children are natu eativity
Girl Scouts’ programs create leaders by exposing girls to cutting-edge fields, rally curious and
cre ative. The last th
one path toward ing one would wa
building empathy, and developing multidisciplinary thinking. in creating the In
innovation. At th
e same time, ther nt to do is stifle th
ose tendencies by
novation badge cu e ar e best practices th prescribing
rri cu lu m at the girls can be
girls’ inner intere wa s to strike a good nefit from learnin
sts guide them. Ra balance between g. The trick
badges let the gir ther than dictatin providing sugges
ls choose among g the right way to tions and letting
three options at de ve lop new ideas an the
about. This way, each step, encour d businesses, the
they can custom ag in g them to work on In no vation
novation
ize their own prog something they’re
In
ram to match th
w G ir l S co u t s eir unique intere
sts and style.
passionate
The Ne 2 Train hybrid thinke
What Designing t Ra is in g Leaders rs
s A b o u Solving the ambi
Badges Taught U
guous problems
across multiple di that plague our so
sciplines. Instillin ciety, such as healt
g the value of hy h care or access to
that we have lea br id thinking—the clean water, will
ders ready to tack m ashing up of disp require working
fields—such as an le pr essing issues. Th arate disciplines—
thropology, engin e Innovation badg will ensure
eering, graphic de e program incorp
needed, imagine sign, and busines orates methods fro
what’s possible, s strategy—to he m many
and see how to m lp the girls identif
ake ideas a reality. y what’s
3 Build empathy bef
ore solution s
Making the world
a better place for
on the world, to those who inhabi
make the world a t it is not about cre
be tter place—the he ating cool, shiny
what people reall art of the Girl Scou new objects. To ha
y need. Each of th t ethos—the girls ve real impact
the people for wh e fo ur levels of the Innova sh ou ld
om they’re desig tion badge has ac be ab le to identify
ning solutions. To tivities to help th
500 companies. experience things this end, the girls e girls gain empa
jus t 12 wo m en CEOs in Fortune first hand. are trained, for ex thy for
there we re new business ample, to observ
wh ile te ch no log y is fueling a lot of e, take notes, an
d
In addition , bers
Written by: Jump
Associates with very low num
growth, it’s an ind
ustry still maligned 4 Enable great story
tellers
anization’s of women.
As part of the orgScouts has introduced an
One of the oft-ove
at it rlooked softer sk
m, we realized th ills that can decid
design the progra great ideas neve
,
rebranding . In designing the program, Jump
th e Gi rl W he n we sta rte d to
about designin g co ol stuff; r see the light of
da y because the cre
e whether an idea
becomes a reality
ed to be much more than potential of the id ators neglected to is good storytellin
g. Many
innovation compo
ne nt me wo uld ne thy. It would o als ea. The Innovatio craft compelling
e tip s fo r tra ining girls to beco ve to inv olv e developing empa an idea through n badge program bu
ilds good storyte sto ries—no one ever
Associates develop
ed so m it wo uld ha levels, from second a variety of means lling skills by instr got the full
ag e ap pr op ria te across four age , from giving a pr
esentation to usin ucting the girls on
future leaders. have to be ger girls’ interests g advertisement ho w to pitch
Th e pr og ram caters to youn or even putting on
oa ch their 100-year an
niversary in to tenth gr ad e.
ow s as older girls deve
lop more critical- 5G
et feedback ea
rl
a skit.
As the Girl Sc ou ts ap pr
g a whole new lin
eup of badges . and capabil iti es , ye t gr
as on , the first level of
Innovation, the y and often
ar e int ro du cin . Fo r th is re Creating great pr
March, they had badges like Fly
er thinking skills new things, while
senior oducts and service
the organization is about creating reinforces the im s requires getting
Way back in 1913, ilblazing pr of es sio ns . Inv en to r ba dg e,
sinesses fo r the Social portance of askin good feedback alo
ng the way. The Gi
d Ele ctr ici an to represent those tra wi de r rl Sc ou ts wo rk on building new bu the value of colla g people for feed
ba ck through a variety rl Scouts Innovatio
an es and have Gi borating with fri of means. The pr n program
vastly different tim complex, future en ds an d fa m ily ogram also unde
Today, girls live in ip. With that in mind,
Jump Innovator badge. leaders will have m em be rs to make ideas bette rscores
ni tie s in bu siness leadersh to outs has had on
to be experts at en
listing others to
r. As the world ge
ts increasingly m
oppo rtu
ou ts to de ve lop a badge prog ra m
r un de rst an d th e full value Girl Sc e Given how compl he lp cre ate solutions. ore
worked with the
Girl Sc d To bette y, Jump spent tim ex and uncertain
dg e fie lds su ch as web design an an d to lea rn wh at girls need toda on building the sk th at fu ture is sure to be
tting-e women , ere are ov er , it’s assuring to ha
expose girls to cu mnae (of which th
ills our future lea
ders will surely ne ve organizations
va tio n. ta lki ng wi th Girl Scouts alu ag es and their the Girl Scouts ar
e well positioned ed. With the Inno like the Girl Scou
ts focusing
social inno Scouts of all vation badge and
tu re lea de rs , 50 m illi on to day), current Girl n.
to develop the lea
ders of tomorrow. th e re st of the new badg
m our fu organiza tio e lineup,
what we’ll need fro utives within the Lauren Pollak leads
In thinking about at th e ab ility to innovate will parents, and exec achieving their gro
Jump’s New York offi
ce. She advises bu
me to realize th e
les that guided th wth objectives. Sh siness leaders in ind
executives have co that is, the ability
to quickly
to some core princip of Business and ser e has taught new
product developme
ustrial materials,
packaged food, fin
m os t qu ali tie s— r fin din gs led es . These ved on the Innovati nt as an adjunct pro ancial services, an
be one of the fore y of which don’t ev
en Ou novation badg on managing inn on Advisory Board d retail on
r pr ob lem s, m an iti on an d de ve lopment of the In an d
ovation and foster
ing a culture of ex
for the American
Society of Mechan
fessor at the Georg
e Washington Un
identify solutions
fo ion defin loping ideas physics and engin ploration and has ical Engineers. Laure iversity School
ck Obama: Innovat t for anyone deve
eering. Prior to Jum pioneered Jump’s n has published sev
t. To pa ra ph ra se President Bara en pr in ciples are relevan ults.
p, she applied this
knowledge to cre innovation metho
dology. She has a
eral articles
exist ye
the future. But in
the U.S., wo m ren and youn ad g ate innovative sci background in
ke t to su cc es s in unt, bu sin es ses, not just child ence education pro
grams for high sch
is our tic ip teams. At last co
ool students.
esented in leadersh
are still poorly repr
12 Reprinted from FastCompany.com 13Online Learning The Girl Scout
Leadership Experience
for Girls Financial empowerment is all part of the total Girl Scout Leadership experience, based
on our three keys to leadership: Discover, Connect, and Take Action. Girl Scouts learn to
Discover their own values, Connect with others in their community, and Take Action to make
the world a better place. There are five benefits—or outcomes—associated with each key.
Together, those 15 benefits help girls become leaders—now and in the future.
Girls find inspiration and useful information about everything
from managing money to starting a business in the place ƤƤ Girls develop a strong sense of self
where they live their life—online. ƤƤ Girls develop positive values
Discover ƤƤ Girls gain practical life skills
ƤƤ Girls seek challenges in the world
For Younger Girls
ƤƤ Girls develop critical thinking
Videos and Activities
Younger girls can have fun watching videos and playing ƤƤ Girls develop healthy relationships
games that teach them about financial literacy.
ƤƤ Girls promote cooperation and team building
Connect ƤƤ Girls can resolve conflicts
ƤƤ Girls advance diversity in a multicultural world
ƤƤ Girls feel connected to their communities,
locally and globally
For Teen Girls
Entrepreneur Video Series ƤƤ Girls can identify community needs
Young female business leaders share their challenges and secrets for success. ƤƤ Girls are resourceful problem solvers
ƤƤ Girls advocate for themselves and
Take Action others, locally and globally
ƤƤ Girls educate and inspire others to act
ƤƤ Girls feel empowered to make a
difference in the world
Eunice Nuekie Cofie had a passion for science When Prerna Gupta started a social Galia Gichon is a financial planner who
and a need for makeup and hair products she networking site a few years ago, her company believes that starting your own company
just couldn’t find in stores. So she developed
NUEKIE, her own line of products focused on
fell victim to a rough economy. But she didn’t
let that stop her. She moved on and started
should be “fun.” She started Down-to-Earth
Finance, which helps women make smart Our Mission: Girls lead with courage,
ethnic skin and hair. Khush, a company that develops apps for
smartphones and other mobile devices.
decisions about money.
LEADERSHIP confidence, and character,
to make the world a better place.
Go to http://forgirls.girlscouts.org/its-your-business-run-it.
For more, go to www.girlscouts.org/program and check out our National Leadership Journey curriculum and awards.
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