Description

These financial literacy lessons, activities, and worksheets include everything you need to teach the personal finance skills students need as adults, including budgeting, income taxes, paychecks, money management, finding apartments, banking, and more!

This bundle of complete, stand-alone personal finance lessons and activities can be used individually throughout the year or together as one personal finance unit to ensure students leave high school with the essential finance skills they’ll need after high school.

Emphasizes the Skills Students Need to Become Financially Savvy Adults

The resources in this bundle provide students with exposure to the topics in personal finance they’ll use every day as adults. Topics include income taxes, budgeting, understanding a pay stub, banks, saving, credit cards, and more!

Focuses on Promoting Real-World Math Skills

Lessons and activities in this bundle naturally integrate math skills students will need to confidently make financial decisions as adults.

Provides Opportunities for Students to Independently Explore the Costs of Living Independently

This bundle includes eight exploratory activities in which students will research financial options and the costs of living independently. Topics include grocery costs, banking options, car payments, and more. Several activities are included in paper (PDF) and digital Google formats.

Offers Experience Working with Realistic Financial Documents

Students will have the opportunity to use and interpret the financial documents they’ll use as adults, including pay stubs, W-2s, income tax forms, credit card disclosures, and more.

Easy-Prep Lessons & Engaging Practice Activities

Lessons are complete with Google Slides and guided notes for easy instruction! Students are also provided engaging opportunities for discussion and practice with worksheets, station activities, task cards, and more. Just print the materials needed for each lesson, and you’re ready to go!

Flexible Resources to Fit Your Curriculum

The lessons and activities can be used together in a consumer math or personal finance class, or they can be integrated into another curriculum (such as business, economics, or FACS) throughout the school year so that students leave high school with the financial skills they’ll need as to make sound financial decisions as adults. These lessons and activities can be used in any order.

Suggested Pacing Guide Included

These lessons are independent of one another and can be done in any order, but a suggested pacing guide is included!

What’s Included:

• Filing Federal Income Taxes Personal Finance Lessons – Updated each year with the most recent tax forms. Includes four lessons where students learn to understand the information provided on a W-2, choose a deduction, read tax tables, and complete a basic 1040. Includes Google Slides, guided notes, and a practice scavenger hunt activity.
• Intro to Budgeting Lesson – Students learn how to set up a basic budget following a 50/30/20 budgeting strategy. Also includes practice station activities.
• Managing Your Sending Money Management Lesson – Students learn how to track their spending, pay bills, and write checks. Includes Google Slides, a guided examples worksheet, and a spending log activity that requires students to record 15 transactions on a spending log, as well as write checks and complete bill pay stubs.
• Grocery Shopping on a Budget Activity – Students will practice creating meal plans and grocery shopping on a budget.
• Understanding Your Pay Stub Lesson – Students learn to interpret the information provided on a pay stub. Includes Google Slides, guided notes, a practice worksheet, and a scavenger hunt.
• Intro to Banks Lesson – Students learn the basics of banking, including how banks work, types of banks, checking vs. savings accounts, common services offered, FDIC insurance, and more. Includes Google Slides and guided notes.
• Choosing a Bank Activity – Students will practice choosing a bank by independently comparing options on bank websites.
• Setting Savings Goals Lesson – Students learn the importance of saving and emergency funds and setting short, medium, and long-term savings goals. Includes Google Slides, guided notes, and a self-checking practice activity.
• Intro to Credit Cards Lesson – Students learn credit card vocabulary, advantages and disadvantages of credit cards, credit vs debit cards, applications, disclosures including Schumer Boxes, and credit scores. Includes Google Slides, guided notes, and practice stations activities.
• Credit Card Comparison Activity – Students will learn to independently read the fine print for credit cards to discover their interest rates, fees, and more.
• Searching for a Job Activity – Students will research job listings available online.
• Finding an Apartment Activity – Students will independently research apartments in your city and one other city to discover the costs associated with living independently.
• Buying a Car Activity – Students will learn the costs associated with buying a car, including car payments, interest, and fees.
• Choosing an Auto Insurance Company Activity – Students will research auto insurance companies to learn how to shop for insurance.
• Dream Vacation on a Budget Activity – This is not an essential skill – but a fun activity that works well before spring or summer break. Students will learn how to plan a vacation on a budget.

Need a full semester curriculum for your class? These lessons plus many more are included in the Understanding Personal Finance Curriculum here.

**You’ll need a Google Account to access the files and Google Slides. The Google Slides in this resource are NOT editable.**

The information provided in these resources does not, and is not intended to, constitute tax or financial advice; instead, all information, content, and materials available are for general informational purposes only.  Information in these resources may not constitute the most up-to-date tax or other information.  These resources may contain information regarding third parties.  Such information is only for the convenience of the reader.  CKMath does not recommend or endorse any third party, and CKMath is not affiliated with, nor sponsored by, the United States Internal Revenue Services.