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This 152 page participant workbook covers six sessions of content and is free to download. Session 1: Building a Healthy Economy – topics include resource management strategies, the flow of money through the economy, building a healthier economy, advertising influences, and being a savvy consumer. Session 2: Developing a Spending Plan – topics include determining your money culture, developing savings goals, developing a spending plan, and developing a financial record keeping system. Session 3: Working with Checking and Savings Accounts – topics include checking and savings, opening an account, using and managing a bank account, tools and technology to manage accounts, and identity theft protection. Session 4: Understanding Credit and Your Credit Report – topics include the importance of credit, your credit history, reading and analyzing credit reports, building and maintaining credit, FICO score, and understanding collection laws and your rights. Session 5: Using Credit – topics include the lending process, the “five Cs of credit”, loan applications, and understanding loan rates, terms, and fees. Session 6: Being a Smart Consumer – topics include different types of financial institutions, being a savvy consumer, the importance of insurance, and financial goals in your life
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Driven by the knowledge that youth need financial skills to help bridge the gap from surviving to thriving, the curriculum focuses on crucial financial skills such as developing a spending plan, money management, saving for an education or emergencies, and buying a home. These financial skills build a foundation for our youth that will allow them to experience financial freedom and self-sufficiency as adults
Financial Beginnings Oregon: Financial Beginnings’ programs are provided at no cost to partner or participant, and supply all curriculum and supplemental materials, which are mailed to schools or community groups. Financial Beginnings also provides trained volunteers who teach the lessons of each program.
Consumer.gov: Lesson Plans and Resources (FTC) Presentations, flyers, quizzes resources, and more on Managing Your Money; Credit, Loans, and Debt; Scams and Identity Theft
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Managing your Money: Making a Budget, Opening a Bank Account, Your Paycheck, Using Debit Cards, Prepaid Cards, Saving Money When You Shop, Buying and Using Phone Cards, Sending Money Overseas, Buying a Used Car, Renting an Apartment or House, Your Education After High School
Credit, Loans, and Debt: Your Credit History, Using Credit, Payday Loans and Cash Advances, Car Title Loans, Managing Debt
Scams and Identity Theft: Impostor Scams Avoiding Identity Theft Recovering from Identity Theft Scams Against Immigrants Job Scams
Personal Finance Units (NGPF) Geared toward high school financial education, these units include full lesson plans, activities, and more.
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Units: Checking, Saving, Types of Credit, Managing Credit, Paying for College, Budgeting, Investing, Financial Pitfalls, Career, Taxes, Insurance
Mini Units that include: Finding work during high school, behavioral Finance, Alternatives to 4-year colleges, Entrepreneurship, Philanthropy, Ethics, and Purchasing a used car
