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Personal Financial Literacy

Personal-Finance-iconThe Personal Financial Literacy curriculum module provides an understanding of how personal choices affect financial circumstances which impact lifestyle. Students will increase financial knowledge so they can manage financial decisions.

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Phase 1: Explore


Activity: Determine Living Costs

In this activity, students will begin to understand the idea of salaries and the cost of living for adults as they see costs for rent, food, transportation, insurance, etc.

Phase 2: Learn & Practice


Unit 1: Earning Income

In this unit, students will learn about: how real-life decisions impact financial opportunity and growth via The Earning Potential Game. Then students learn about forms of income.


  1. Earning Potential 
  2. Types of Income 
  3. Quiz


Unit 2: Managing Your Money

In this unit, students will learn about: life skills such as reading pay stubs, balancing bank registers, writing checks, budgeting, and making informed purchasing decisions.

  1. Reading a Pay Stub 
  2. Introduction to Banking 
  3. Budgeting 
  4. Informed Purchases 
  5. Quiz


Unit 3: Using Credit

In this unit, students will learn about: consumer credit and borrowing money through loans and credit cards.

  1. Consumer Credit 
  2. Borrowing Money 
  3. Quiz

Phase 3: Reflect


Activity: Reflection Questions and Discussion

In this activity, students will journal about possible career choices that would fit lifestyle and interest goals, budgeting, and credit score. A class discussion can follow.

Phase 4: Reinforce


Activity: Budgeting

In this activity, students define budget, discuss whether or not they have ever budgeted, determine the purpose of a budget and create a budget.

Activity: Current Event

Students will review articles for information related to a topic in the module. Once an article is found, students complete a Current Event form.

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