The document summarizes statistics on Americans' financial literacy and habits from a 2017 survey. It finds that many Americans lack savings and budgets. While credit card and other debt is high, spending is decreasing. Younger adults are more likely to save than older generations. The document also provides an overview of free online personal finance courses and resources that cover topics like spending, credit, income, investing, insurance, and financial decision-making. Course materials are aligned with state and national standards. Additional supplemental resources for teaching personal finance are also referenced.
This presentation is made by students of ACPCE - Anamika Mishra, Kirti Karawde, Prathamesh Mahadik, and Ritik Kale.
This presentation introduces the concept of financial literacy to the young generation. It also gives tips on how to go from financially crippled to financially able.
Financial Literacy Seminar for Secondary School StudentsLaja Shoniran
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This presentation is made by students of ACPCE - Anamika Mishra, Kirti Karawde, Prathamesh Mahadik, and Ritik Kale.
This presentation introduces the concept of financial literacy to the young generation. It also gives tips on how to go from financially crippled to financially able.
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Financial illiteracy and ignorance about money management are major reasons for recurring poverty. Teaching young people in secondary schools about money management creates a new generation of people who are money smart and financia;lly literate
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Personal finance is the financial management which an individual or a family unit performs to budget, save, and spend monetary resources over time, taking into account various financial risks and future life events.
If you are between 25- 45 yrs. of Age,Working & Serious about achieving success in your Financial Future, here are some guidelines.......... which can help you.
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Planning is bringing the future into the present, so that you can do something about it now. Wise money management can take a lot of worry out of your life.
Know some amazing and important Financial planning tips.
Financial planning is for everyone. If you're like most people, financial planning might seem very complicated and confusing, and you might not know where to start. However, here are some ideas to help you get started.
Financial Empowerment Seminar with focus on
1. Causes of Business Failures
2. Retirement Planning /Life after Work-Life
3. Overcoming Financial Challenges in Retirement
What is Financial Fitness & How is it Measured?milfamln
Financial fitness is a goal for many people, but achieving fitness in terms of money management may require a combination of financial education, coaching, and financial access. After reviewing the components of financial fitness, this session will provide an overview of measures of financial capability and well-being, as well as practical applications of program measures in the field. The session will include discussion, interactive polling and Q&A.
To register, join & for resources: https://learn.extension.org/events/2591/
Speaker: Dr. J. Michael Collins
Personal Financial planning & ManagementAshish Ongari
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If you are between 25- 45 yrs. of Age,Working & Serious about achieving success in your Financial Future, here are some guidelines.......... which can help you.
Financial Planning - Helping You Sail Successfully into the FutureFrank Wiginton
This is a short e-book I wrote to help dispel some of the myths about financial planning and educate the public on what financial planning really is and what it can do and provide.
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Know some amazing and important Financial planning tips.
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Financial Empowerment Seminar with focus on
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Financial fitness is a goal for many people, but achieving fitness in terms of money management may require a combination of financial education, coaching, and financial access. After reviewing the components of financial fitness, this session will provide an overview of measures of financial capability and well-being, as well as practical applications of program measures in the field. The session will include discussion, interactive polling and Q&A.
To register, join & for resources: https://learn.extension.org/events/2591/
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This 90-minute webinar will present 16 specific savings strategies for military families and will precede https://militarysaves.org/organizations/military-saves-week (February 22-27, 2016). Other topics that will be covered include the financial fragility of many U.S. households, types of savings accounts, advantages of saving money, barriers to saving, savings pre-requisites, research findings about savings behavior and characteristics of successful savers, savings motivational programs, and savings educational resources.
Register and join the webinar: https://learn.extension.org/events/2344
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For more information, visit-www.vavaclasses.com
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Read| The latest issue of The Challenger is here! We are thrilled to announce that our school paper has qualified for the NATIONAL SCHOOLS PRESS CONFERENCE (NSPC) 2024. Thank you for your unwavering support and trust. Dive into the stories that made us stand out!
2. Financial Fitness Statistics
According to the 2017 Financial Consumer Literacy Survey:
1 in 4 adults or 27% do not save for retirement
Credit Card Debt is on the rise with 39% of adults in the US who
carry Credit card roll over at least $2500 monthly
Only 40% have a budget
24% have an emergency fund to cover $400 unexpected expense
That drops to 11%, if that expenditure increases to the
recommended $2000
Millennials are 2X more likely to have committed a
variety of Credit card blunders in the last 12 months
3. Financial Fitness Statistics
Some good news:
Over all Americans are spending 26% less than in
previous years
36% of younger adults are more likely to save
compared to older generation
80% of all adults say they would benefit from
financial advice!
Lots more information @ www.nfcc.org/data
Other articles and data links also on Resource
Sheet
6. JumpStart Coalition
Materials correlate to state or national standards in one or more of the
discipline standards created by the following organizations:
Business: National Business Education Association
Economics: Council for Economic Education
Family and Consumer Sciences: American Association of Family and
Consumer Sciences
Mathematics: National Council of Teachers of Mathematics
Social Studies: National Council for the Social Studies
http://www.jumpstart.org/national-standards.html
7. NEFE- National Endowment for Financial
Education
https://www.nefe.org/
https://www.hsfpp.org/
9. Spending and Saving
Apply strategies to monitor income and expenses, plan
for spending and save for future goals.
Set up a Daily or weekly expense
tracking sheet
Can be paper, PC or App on smartphone
Create simple budget in excel or
google sheets
Pay yourself first! Establish a savings routine
Intro formulas and do some what-ifs
Spending
and Saving
10. Set up a Daily or weekly expense tracking sheet
11. Create simple budget in excel or google
sheets
Pay yourself first!
Establish a savings
routine
Intro formulas and
do some what-ifs
12. Financial Decision Making
Apply reliable information and systematic decision making to
personal financial decisions.
Financial
Decision
Making
Set SMART Goals
Apply Financial Decision
Making
13. Financial Decision Making
Apply reliable information and systematic decision making to
personal financial decisions.
Financial
Decision
Making
Apply Decision
Making Process
throughout
14. Income and Employment
Use a career plan to develop personal income
potential.
Career Search Exercise - Handouts
Identify career goals and income potential
Can include cover letter, resume writing, interview skills
Payday Simulation
Paycheck: gross vs. net, identify & explain all standard
deductions, taxes, etc.
Income &
Employment
15. Credit and Debt
Develop strategies to control and manage credit
debt.
Buying your dream car (handout)
True cost of car ownership
Could also include apartment hunting & associated
expenses
Recommended expense % ratio to income
Credit Card Risks (handout)
Monthly Payments
Minimums vs carryover options
Credit and
Debt
16. Investing
Implement a diversified investment strategy that is
compatible with personal financial goals.
Investment strategies
College funds
Homeownership
Retirement Investments
401k plans
Time value of money- investment scenario
Illustrates how investment grow (exponentially) and
value of saving early and throughout lifetime
Stock Market portfolio project
Use spreadsheet to track daily stock prices and graph
data $ growth over time
Investing
17. Risk Management and Insurance
Apply appropriate and cost-effective risk management
strategies.
Risk Management
Explore your options(handout)
Types of Insurance
Health Insurance
Auto Insurance
Life Insurance
This Photo by Unknown Author is
licensed under CC BY-NC-SA
20. Games , Apps, Video
https://www.youtube.com/user/NonprofitNEFE/featured
Spending addictions
https://www.consumerjungle.org/game_link
Loads of online games and simulations for K-12
Money management, Car buying, Expense tracking,
Accounting, budget apps, credit card simulator, etc.
http://www.genirevolution.org/
Personal finance online game
http://www.jumpstart.org/reality-check.html
Reality Check-Dream life vs. cost calculator worksheet
21. Supplemental resources
Payday: A Personal Finance Simulation
by Christine Bond Oakes, 2007 The
Goodheart Wilcox Company.
Nickel and Dimed: On (Not) Getting By
in America Paperback – August 2, 2011
by Barbara Ehrenreich
Scratch Beginnings: Me, $25, and the
Search for the American
Dream Paperback – February 9, 2010
by Adam W Shepard
2.6
Demonstrate management of financial resources to meet the goals of individuals and families across the life span.
2.6.1
Evaluate the need for personal and family financial planning.
2.6.2
Apply financial management principles to individual and family financial practices.
2.6.3
Apply management principles to decisions about insurance for individuals and families.
2.6.4
Evaluate personal and legal documents related to effective management of individual and family finances.
2.7
Demonstrate the ability to use knowledge and skills to manage one's financial resources effectively for a lifetime of financial security.
2.7.1
Demonstrate management of individual and family finances by applying reliable information and systematic decision making.
2.7.2
Analyze how education, income, career, and life choices relate to achieving financial goals.
2.7.3
Manage money effectively by developing financial goals and budgets.
2.7.4
Manage credit and debt to remain both creditworthy and financially secure.
2.7.5
Analyze the features of insurance, its role in balancing risk and benefits in financial planning.
2.7.6
Analyze saving and investing to build long-term financial security and wealth.
https://www.nefe.org/
https://www.hsfpp.org/
https://www.moneyinstructor.com/lessonplan.asp
Apply decisioan making process throughout
Apply decision making process throughout- Can be applied to any spending, saving, career choice decision that is made
http://lesson.moneyinstructor.com/100/goal-setting.html
Payday sim career search sheet( handout) resume writing (handout)
Dave Ramsey has good strategy to avoid debt- ie. Always use cash!
PAYDAY: https://www.amazon.com/Payday-Personal-Finance-Simulation-Textbook/dp/1590707656/ref=sr_1_1?s=books&ie=UTF8&qid=1520965253&sr=1-1&keywords=payday+a+personal+finance+simulation
5&10
Originally Published:January 1, 2001
Author: Barbara Ehrenreich
Publisher: Henry Holt and Company
Editor: Barbara Ehrenreich
Scratched
Originally published: 2007
by Adam W Shepard (Author)
Publisher : Harpercollins
The author Adam Shepard is a graduate of Merrimack College in North Andover, MA where he studied with a basketball scholarship. He graduated with a degree in Business Management and Spanish.
