In small groups, students will research and obtain information to compare services offered and rates between banks and credit unions. To conclude, students will present their findings and state why one might choose one over the other.  

Students will analyze monthly household expenses, explain the benefits of using a budget, and create a sample budget.

While completing a digital worksheet, students will describe the purpose of a budget, classify expenses as needs and wants, and explain the difference between gross pay and net pay.

Students will create a zero-budget from a projected salary for a career of their choice, practicing the PYF principle and learning realistic costs of living.

Using guided notes, students will explain the pros and cons of leasing a car and  buying a car. Students will also understand the costs of monthly payments and why they differ between buying and leasing.

Students will assess their career aspirations, evaluate and compare career opportunities based on aptitudes and interests, and plan a career while understanding the income potential of that chosen career.

In this mini-unit, students begin by creating a career plan and an education plan. After learning financial aid vocabulary concepts, students will play an online game called “Payback” to apply knowledge learned about paying for college. The activity concludes with students creating a personal resume and taking notes on job interview tips.

Students will research different colleges they would potentially be interested in and then complete a college comparison worksheet.

Using guided notes, students will learn what comparison shopping is, how it can help consumers, and when it makes sense to comparison shop

Students will be able to identify methods used by predatory lenders for prevention, comprehend basic consumer rights, and demonstrate knowledge of filing complaints when these rights are violated. Additionally, students will understand tactics employed by predatory lenders and be equipped with the skills to avoid falling victim to them.

Students will identify key elements to include in a resume, discuss best practices, analyze another person’s resume, and write a first draft resume.

Students will comprehend their paycheck, the voluntary and compulsory withholding of income, basic payroll concepts, and explanations of tax documentation.

Students will be able to identify and explain the differences between different economic systems (Market, Mixed, Command, Communist, Socialist).

Students will gain a comprehensive understanding of savings vocabulary and products, the PYF concept, and the importance of preserving principles in the face of inflation.

Students will be able to understand the processes, rights, and responsibilities of renting, leasing, and purchasing a home. Identify key qualification factors for homeownership, including debt-to-income and loan-to-value ratios, and comprehend the roles of professionals in the home-buying process.

Students will comprehend saving and investing, understand the concept of risk versus reward, and gain knowledge about various investment types and vocabulary.

Students will demonstrate the ability to explain five potential ways to pay for school, including detailing the four outcomes of the FAFSA and the 529 Plan.

In small groups, students role play financial institutions and consumers in order to learn the importance of FDIC and NCUA Insurance.