Utilities & Setup: Turning On the Lights cover
Utilities & Setup: Turning On the Lights preview
Utilities & Setup: Turning On the Lights preview
Utilities & Setup: Turning On the Lights preview
Personal Finance · Unit 9: Major Purchases and Independent Living · Complete Toolkit

Utilities & Setup: Turning On the Lights

Quality reviewed September 2026

Quick facts
Grades
Grades 9-12
Time
About two 50-minute class periods
Includes
11 ready-to-teach files
Format
Word (.docx) · PowerPoint (.pptx)
What's inside
  • Slide deck
  • Guided notes
  • Guided notes teacher key
  • Activity + answer key
  • Quiz + answer key
  • Exit ticket + answer key
  • Teacher guide
  • Teacher presentation notes
Jump to download ↓
Fits: Personal Finance

What students do

  • Calculate the cash needed to set up utilities from deposits and setup fees
  • Add six monthly bills into a total covering electricity, gas, water, internet, phone, and trash
  • Read a bar chart to identify the biggest and smallest monthly utility bill
  • Judge whether a renter has saved enough to cover the first month of utilities

What it covers

  • What each home utility covers and who provides it
  • The difference between a fixed cost and a variable cost
  • Ways to lower a utility bill, from energy efficiency to shopping providers

Learning targets

  • Name the utilities a first home needs and who provides them
  • Calculate the up-front cash to set up utilities using the labeled cash-to-set-up model
  • Add up the monthly utility bills into a monthly utility total and tell fixed from variable costs
  • Read a bar chart of monthly utility costs and judge whether a renter has saved enough to turn everything on

Peek inside

straight from the files you download
Guided notes that pair with that slide

Utilities Keep a Home Running

UTILITIES are the basic services a home needs to run: electricity, gas, water, internet, phone, and .

Turning on utilities costs CASH up front - a deposit and a setup fee - before you get a single .

Then a Bill Every Month

After setup, each utility sends a monthly BILL you have to budget for on top of your .

Priya Nair is moving into her first ; her setup coach Devon Marsh helps her plan the cash she needs.

From the activity

1. Q1. The basic services a home needs to run - electricity, gas, water, internet, phone, and trash - are called                 .

Why this matters

Nobody warns a new renter that the lights don't turn on for free. Before a single monthly bill arrives, there are deposits and setup fees due just to get electricity, gas, and water connected, and students who have never budgeted for that upfront cash are the ones most likely to get caught short in their first month out.

I run this right after the lease unit because the apartment is only where the spending starts. Adding up all six bills, electricity, gas, water, internet, phone, and trash, together for the first time is usually the moment a student realizes fixed costs alone can eat a paycheck before anything fun gets budgeted for.

From one teacher to another

Nobody warns first-time renters about the cash it takes just to turn the lights on before a single bill even arrives, and that gap is exactly what this lesson closes. Students work through a real move-in budget, add up six separate utility bills, and decide whether a renter has actually saved enough to be ready. It's the lesson that follows right after renting a first apartment, because the lease is only where the cost starts.

Every file in this toolkit

11 files

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