Financial Literacy: Attaining Financial Security and Happiness

A new Interactive online curriculum for high school and college courses is now available in partnership with HumanEsources. This topic is also frequently included in college level first-year experience courses. It is based on the key idea that students can increase their personal success and happiness by becoming financially literate. 

This curriculum meets or exceeds the National Standards for Personal Financial Education developed by the Council for Economic Education.

The curriculum consists of 10 units, each designed for one hour of classroom, hybrid, or online instruction. For high school courses, the time spent on each lesson can be increased depending on the student population. Faculty can select the units that match their student learning outcomes.  

Video Demo of the Curriculum and Interactive Elements 

Resources 

Extensive resources include lesson plans for online, hybrid, or face-to-face courses, classroom handouts, videos, PowerPoint, integrated assessments, discussion questions, interactive exercises, and topics for journal entries.

Financial Literacy Contents

Unit 1: Introduction, Financial Goals

How can I become financially secure and not worry about money?
What is the connection between financial literacy and good mental health?
How does financial literacy help me to attain happiness in life?
What are the steps toward successful money management?
Ho do people become wealthy?
What are my financial goals?

Unit 2: Maximizing Your Income

How can I invest in myself to maximize my lifetime earnings?
What is career outlook and why is it important?
What is the value of a college education?
What is the value of vocational training?
What are some benefits of starting my own business?

Unit 3: Paying for College or Vocational Training

Do I qualify for financial aid?
How do students apply for financial aid?
What are the different types of financial aid?
Does financial aid need to be repaid?
How can I apply for a scholarship?
Is a college education worth the cost?
How can I minimize the cost of my education?

Unit 4: Using a Budget to Control Your Expenses

What are the most important steps in managing your money?
What is a money monitor?
How can I control my expenses?
How can I save money?
What are the steps in creating a budget?

Unit 5: Saving and Investing Your Money

What are the advantages of investing my money?
How do I get in the habit of saving money for investments?
How does compound interest affect my future wealth?
What are some common investment options?
What are some guidelines for making good investments?
How can I become a millionaire by age 65?

Unit 6: Managing Debt

What are some tools for managing debt?
What is a credit score and why is it important?
How can I use credit wisely?
What are some guidelines for responsible use of consumer loans and credit cards?
What is bankruptcy and how can I avoid it?
What are some common habits that lead to excess debt?

Unit 7: Buying or Renting a Home

What are the benefits of owning a home?
How much can I afford for rent or a house payment?
How can I choose a good roommate?
What are some common real estate terms?
How can I get ready to purchase a home?
What are the steps in renting or buying a home?

Unit 8: Understanding Banking

Why should I have a bank account?
What servides can banks provide?
How can I open a bank account?
What are the best practices for managing a bank account?
How can I avoid overdraft fees?
What is the correct way to write a check?

Unit 9: Risk Management and Insurance

What is identity theft and how can I avoid it?
What are some common financial scams and how can I avoid them?
What is the purpose of insurance?
What is some common vocabulary related to insurance?
What are common types of insurance?

Unit 10: Understanding Taxes

Why do we pay taxes?
How much will I pay in taxes?
What are the steps in filing my taxes?
How do I complete my tax forms?

 

For more Information or a demo, contact:

Dr. Marsha Fralick
marsha@marshafralick.com

For sales information, contact:

Carla Lundman
carlal@humanesources.com