Course Duration: 8 Weeks (Twice Weekly Sessions) Grade Level: High School Total Lessons: 16 Assessments: Quiz (Week 4, Lesson 8), Final Exam (Week 8, Lesson 16)
This course builds upon Personal Finance 101 by focusing on budgeting, saving, financial planning, debt management, and financial technology tools. Students will apply these concepts to real-life situations like preparing for college, major purchases, and handling financial emergencies. The course will emphasize practical decision-making skills and conclude with a final exam.
Lesson 1: Why Budget? – Understanding the importance of budgeting as the foundation of financial success.
Lesson 2: Personal Budgeting – Students create and analyze their own budgets.
Lesson 3: Develop a Plan for Spending and Saving – Learning how to set realistic spending and savings goals.
Lesson 4: Saving Strategies – Exploring different methods to grow savings efficiently.
Lesson 5: Managing a Checking Account – Understanding bank accounts, fees, and transactions.
Lesson 6: Managing Your Finances with Mobile Phones – Learning how mobile apps help track finances.
Lesson 7: Mobile Banking and Payments – Exploring Venmo, PayPal, Zelle, and digital wallets.
Lesson 8: Using Technology to Keep and Use Financial Records (Quiz at the End of Class) – Best practices for digital financial tracking.
Lesson 9: Budgeting for College Life – Managing tuition, loans, and personal expenses in college.
Lesson 10: Budgeting for Prom – A fun, hands-on budgeting lesson using a real-world example.
Lesson 11: The Other Costs of Having a Car – Understanding gas, maintenance, insurance, and depreciation.
Lesson 12: The Value of Disability Insurance – Why insurance matters and how it protects against financial hardship.
Lesson 13: Strategies to Reduce Your Debt – Understanding credit card debt, student loans, and repayment strategies.
Lesson 14: When You’re Short on Cash – Practical steps for managing unexpected financial hardships.
Lesson 15: The Amazing Race – A hands-on simulation where students navigate financial decisions.
Lesson 16: Jobs and Money - Globalization and Career Trajectories (Final Exam at the End of Class) – Understanding how career choices and economic trends impact personal finance.
Class Participation & Discussions: 25%
Midpoint Quiz (Lesson 8): 25%
Final Exam (Lesson 16): 50%
By the end of the course, students will:* Create and manage a personal budget based on real-world financial scenarios.* Utilize technology to track expenses, bank digitally, and keep financial records.* Understand financial obligations like saving, spending, and managing debt.* Analyze real-life financial situations, including buying a car, planning for college, and handling emergencies. * Make informed financial decisions that prepare them for independence and long-term success.
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