Free Financial Literacy Curriculum: Habitat for Humanity Workbooks

This free financial literacy curriculum is designed for participants of Habitat for Humanity program participants. The series consists of seven .pdf workbooks which can be downloaded, printed and used in community-based workshops or for self-study.

This curriculum was designed with the following values:

  • Diversity: Images and scenarios reflect diverse peoples and perspectives, including race, ethnicity, family structure and socio-economics.
  • Visual Approach: In an effort to offer a more engaging experience than traditional financial literacy, this curriculum makes extensive use of visuals, including photos and infographics.
  • Interactive: Primarily designed for in-person workshop use, the curriculum offers numerous opportunities to generate fruitful conversation, group brainstorming, and prompts for sharing personal experiences.
  • Extensive use of Narrative: Where appropriate, personal narratives explain larger financial concepts, in an effort to make the material more accessible to students with low levels of financial literacy.

Please use them and let us know how they work for you. You will need Adobe Reader to view the PDFs Download Adobe Reader

Free Financial Literacy Workbook Series


1: Introduction to Financial Literacy

Money is personal and private. In a workshop setting, it can be hard to get people to start talking. That is the goal of this introductory workbook, where participants are asked to ‘break the ice’ with fellow learners and set financial goals.


2: Budgeting & Organizing Your Finances

Our favorite – this is the where the heart of financial stability lies: the budget. Traditional budgets can be daunting, but this one is easy as pie.

And as long as we’re thinking about pie, check out the frugal pie recipe at the end of this workbook.


3: Financial Pitfalls & Attitudes About Money

Take a money attitudes survey and find out your money personality. Are you frugal, a status-seaker, pleasure-oriented or seeking power through money? This workbook probes participants about what motivates them (or doesn’t) money-wise, and offers advice on how to develop a positive money attitude


4: Understanding Insurance

This module demystifies insurance and encourages students to get educated on coverage tiers, be pro-active about comparison shopping and think twice before picking up extended warranties.


5: Savings Strategy

Savings is where the rubber meets the road. In this module, we challenge our students to be bold and get ahead by setting savings goals, opening a no-fee savings account and achieve a minimum of one month of reserves (to start).


6: Understanding Credit & Debt

This module students will learn about secure and unsecured debt, the 5 C’s of Credit, your credit score and much more


7: Saving for the Future

If you have debt and pay interest on it, saving money in a retirement account is probably not going to help you over the long term