Call a Certified Credit Counselor to review your options at

Money Tools for Teachers

Financial Literacy for High School Students

The teaching curriculum consists of fourteen lessons designed to augment a semester course in life skills, consumer awareness, and financial management. The Teacher’s Guide, compiled in a separate, easy-to-use notebook, includes an outline of the curriculum:

  • goals
  • lesson objectives
  • suggested resources
  • teaching notes
  • chart indicating appropriate age groups for the key learnings offered in each lesson
  • presentation slides
  • paper-based activities
  • answer keys to paper-based activities (when necessary) 

Introduction to Lesson Three

Lesson One: Making Decisions

Each day, we are faced with many decisions. While most decisions are simple, such as “what should I wear?” or “what should I eat?,” others are more complex, such as “should I buy a new or used car?”  As decision-making skills are used and improved, a person’s quality of life is enhanced. Wiser choices result in better use of time, money, and other resources.  This introductory lesson provides students with an opportunity to learn more about decision-making. The lesson starts with an overview of the decision-making process followed by a discussion of various internal and external factors that affect decisions.

Teacher's Guide -  Lesson One: Making Decisions

Student Guide - Lesson One: Making Decisions

Teacher's Slide Presentation - Lesson One: Making Decisions

Teacher's Power Point Presentation - Lesson One: Making Decisions

Lesson Two: Making Money

Building your career is one of the surest ways to increase income and make money. When planning for the future, one of the most critical financial decisions is determining your career path.  In this lesson, students will be encouraged to consider various topics related to career planning and the financial aspects of employment. This variation of the decision-making process can help a person match personal abilities and interests with appropriate employment opportunities.

Teacher's Guide - Lesson Two: Making Money

Student Guide - Lesson Two: Making Money

Teacher's Slide Presentation - Lesson Two: Making Money

Teacher's Power Point Presentation - Lesson Two: Making Money

Lesson Three: The Art of Budgeting

A personal budget is a financial plan that allocates future income toward expenses, savings, and debt repayment. “Where does the money go?” is a common dilemma faced by many individuals and households when it comes to budgeting and money management.  Effective money management starts with a goal and a step-by-step plan for saving and spending. Financial goals should be realistic, be specific, have a timeframe, and imply an action to be taken. This lesson will encourage students to take the time and effort to develop their own personal financial goals and budget.

Teacher's Guide - Lesson Three: The Art Of Budgeting

Student Guide - Lesson Three: The Art Of Budgeting

Teacher's Slide Presentation - Lesson Three: The Art Of Budgeting

Teachers Power Point Presentation - Lesson Three: The Art Of Budgeting

Lesson Four: Living on Your Own

As young people grow up, a common goal is to live on their own. However, the challenges of independent living are often quite different from their expectations. This lesson provides a reality check for students as they investigate the costs associated with moving, obtaining furniture and appliances, and renting an apartment.

Teacher's Guide - Lesson Four: Living On Your Own

Student Guide  - Lesson Four: Living On Your Own

Teacher's Slide Presentation - Lesson Four: Living On Your Own

Teacher's Power Point Presentation - Lesson Four: Living On Your Own

Lesson Five: Buying a Home

For many, buying a home is the single most important financial decision they will make in their lifetime.  However, the process of becoming a first-time homebuyer can be overwhelming, and requires a foundation for basic home-buying knowledge.  This lesson will provide students with information on buying a home and where and how to begin the process. After comparing the differences between renting and buying, students will be introduced to a five-step process for home buying. This framework provides an overview for the activities involved with selecting and purchasing a home.

Teacher's Guide - Lesson Five: Buying A Home

Student Guide - Lesson Five: Buying A Home

Teacher's Slide Presentation - Lesson Five: Buying A Home

Teacher's Power Point Presentation - Lesson Five: Buying A Home

Lesson Six: Banking Services

If the fee for an ATM transaction to withdraw money is $1 and a person withdraws money twice a week, the banking fees for that person will be $104 a year. Over a five-year period, those fees invested at five percent would grow to more than $570.  Most students know that banks and other financial institutions (credit unions, savings and loan associations) offer a variety of services. However, few people know how to make wise choices when using financial services. In this lesson, students will learn about the different types of financial service products available and the features of each.

Teacher's Guide - Lesson Six: Banking Services

Student Guide - Lesson Six: Banking Services

Teacher's Slide Presentation - Lesson Six: Banking Services

Teacher's Power Point Presentation - Lesson Six: Banking Services

Lesson Seven: Credit

In today's world, credit is integrated into everyday life. From renting a car to reserving an airline ticket or hotel room, credit cards have become a necessary convenience. However, using credit wisely is critical to building a solid credit history and maintaining fiscal fitness. While most students have a general idea about the advantages and disadvantages of credit, this lesson provides an opportunity to discuss these issues in more detail.

Teachers Guide - Lesson Seven: Credit

Student Guide - Lesson Seven: Credit

Teacher's Slide Presentation - Lesson Seven: Credit

Teacher's Power Point Presentation - Lesson Seven: Credit

Lesson Eight: Credit Cards

What is APR? What is a grace period? What are transaction fees?  These and other questions will be answered in this lesson as students learn about credit cards, and the different types of cards available and features of each, such as bank cards, store cards, and travel and entertainment cards. 

As students start to shop for their first (or next) credit card, this lesson will make them aware of various costs and features. Included in this section is a discussion of the methods for calculating finance charges.  Various federal laws protect our rights as we apply for and use credit cards, such as procedures for disputes and protection from card theft and fraud. In this lesson, students will also be given an opportunity to analyze the information contained on a credit card statement.

Teacher's Guide - Lesson Eight: Credit Cards

Student Guide - Lesson Eight: Credit Cards

Teacher's Slide Presentation - Lesson Eight: Credit Cards

Teacher's Power Point Presentation - Lesson Eight: Credit Cards

Lesson Nine: Cars and Loans

“Should I buy a new car or a used car?”  “Where is the best place to finance my automobile purchase?”  “Is it better to take the rebate or the low-rate financing plan?”  These are typical questions asked by people buying vehicles. In this lesson, students are asked to identify costs associated with owning and operating a motor vehicle. Since these costs are commonly underestimated, guidelines are provided on how much to spend when buying vehicles.

Teacher's Guide - Lesson Nine: Cars And Loans

Student Guide - Lesson Nine: Cars And Loans

Teacher's Slide Presenation - Lesson Nine: Cars And Loans

Teacher's Power Point Presentation - Lesson Nine: Cars And Loans

Lesson Ten: The Influence of Advertising

In today's modern world, advertising seems to be everywhere we look; online, television, billboards, magazines, newspapers, on buses, grocery carts, even cell phones.  In addition, some forms of advertising can be subliminal, such as the strategically-placed soda can in a movie. We can't help but be influenced and manipulated as consumers. In this lesson, students will become aware of the various techniques and appeals used to influence consumer behavior.

Teachers Guide - Lesson Ten: The Influence Of Advertising

Student Guide - Lesson Ten: The Influence Of Advertising

Teacher's Slide Presentation - Lesson Ten: The Influence Of Advertising

Teacher's Power Point Presentation - Lesson Ten: The Influence Of Advertising

Lesson Eleven: Consumer Awareness

Decisions, decisions. With so many choices available to us, how can we be sure we're making the right decision?  Wise consumer buying starts with a plan. Using a systematic purchasing strategy will provide students with an ability to make more effective purchases. Comparative shopping techniques will be discussed to encourage students to carefully consider price, product attributes, warranties, and store policies. Next, this lesson covers a variety of buying methods, such as buying clubs, shopping by phone, catalogs, online, and door-to-door selling.

Teacher's Guide - Lesson Eleven: Consumer Awareness

Student Guide - Lesson Eleven: Consumer Awareness

Teacher's Slide Presentation - Lesson Eleven: Consumer Awareness

Teacher's Power Point Presentation - Lesson Eleven: Consumer Awareness

Lesson Twelve: Saving and Investing

Saving just 35 cents a day will result in more than $125 in a year. Small amounts saved and invested can easily grow into larger sums. However, a person must start to save.  This lesson provides students with a basic knowledge of saving and investing. The process starts with setting financial goals. Next, a commitment to saving is discussed.

Teacher's Guide - Lesson Twelve: Saving And Investing

Student Guide - Lesson Twelve: Saving And Investing

Teacher's Slide Presentation - Lesson Twelve: Saving And Investing

Teacher's Power Point Presentation - Lesson Twelve: Saving And Investing

Lesson Thirteen: In Trouble

The material in this lesson will help students become aware of the warning signs of financial difficulties.

Teacher's Guide - Lesson Thirteen: In Trouble

Student Guide - Lesson Thirteen: In Trouble

Teacher's Slide Presentation - Lesson Thirteen: In Trouble

Teacher's Power Point Presentation - Lesson Thirteen: In Trouble

Lesson Fourteen: Consumer Privacy

In today's information age, keeping your personal financial information private can be challenging. What you put on an application for a loan, your payment history, where you make purchases, and your account balances are but a few of the financial records that can be sold to third parties and other organizations.  This lesson will discuss how public and private records are accessed and used by various organizations, as well as review privacy laws to protect your information.

Teacher's Guide - Lesson Fourteen: Consumer Privacy

Student Guide - Lesson Fourteen: Consumer Privacy

Teacher's Slide Presentation - Lesson Fourteen: Consumer Privacy

Teacher's Power Point Presentation - Lesson Fourteen: Consumer Privacy

Supplementary Resources

In an effort to give you the most up-to-date information for teaching and making personal financial decisions, we’ve compiled the following lists of periodicals and organizations that can enhance your use of Practical Money Skills for Life.