What Interest Rate Increases Mean for You

What to expect as the Federal Reserve (the central bank of the United States) increases interest rates. How it impacts your budget, and your money. Understand why the Federal Reserve is increasing rates, so we all will see our borrowing costs potentially rise. Here are some ways that rate hikes could affect you, your money, … Continue reading What Interest Rate Increases Mean for You

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Categories Banking, Basic Money, Borrowing Money, Credit, Credit Cards, Economics, Saving & Investing, Tags , , , , , ,
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Mittens Shops at Costco | Spending and Budgeting

A dog goes shopping for dog food at Costco. A fun class or lesson starter for the YouTube and TikTok generation on the importance of spending money wisely. When shopping for groceries, we often spend more than necessary and buy more groceries than we can eat, and lose track of what we actually bought. A … Continue reading Mittens Shops at Costco | Spending and Budgeting





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How to Prepare your Finances for an Emergency or Disaster

With all the uncertainty in the world, including pandemics, invasions, wars, and natural disasters, it reminds us we all need to plan so we are financially prepared. There are many situations in which you need to be financially prepared, including hurricanes, house fires, floods, pandemics, and more. Proper planning, including saving emergency money with a … Continue reading How to Prepare your Finances for an Emergency or Disaster

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Creating a Spending Plan

LESSON DESCRIPTION Students will use given information to create a monthly spending plan, also known as a budget. In this lesson, they will develop the abilities needed to make an effective plan to budget monthly spending goals. A spending plan must detail exactly how you are going to use your cash to cover the things … Continue reading Creating a Spending Plan

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Understanding your Money Habits

LESSON DESCRIPTION In this lesson, students learn to understand and identify what are their money habits. Every money decision you make either reinforces good or bad money habits.  The first step toward creating good money habits is to first identify the money habits you currently have. Distribute the attached worksheet to students.  They should first … Continue reading Understanding your Money Habits

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Categories Budgeting, Saving & Investing, Spending Money, Tags , , ,
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Savvy Savers – Benefits of Interest-Bearing Accounts

Students calculate compound interest to identify benefits of saving in interest-bearing accounts. They learn the “rule of 72” and apply it to both investments and debt. They learn that there is a relationship between the level of risk for an investment and the potential reward or return on that investment.

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Saving & Investing – Making Choices

Introduce the advantages and disadvantages of common savings and investment vehicles, and show the short and long term effects of various savings and investment choices. Teaching Objectives: List and prioritize some of your short- and long-term budget goals List and explain some of the advantages of saving money Understand the concept of “pay yourself first” … Continue reading Saving & Investing – Making Choices

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How Money Grows Through Saving and Investing

This lesson introduces students to the basics of how money grows through saving and investing. Teaching Objectives: Consider alternative ways to help money grow through savings. Apply simple math concepts to determine the future value of money. Introduce students to the concept of investment risk. Suggested Grade Level 3rd Grade – 6th Grade Lesson Excerpt: … Continue reading How Money Grows Through Saving and Investing

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Spending Plans

Students learn about making spending plans and the importance of saving. Teaching Objectives: Identify categories for spending plans. Recognize the importance of saving some money for future needs. Suggested Grade Level Pre-K – 2nd Grade Lesson Excerpt: Preschool-aged children are capable of learning simple spending plans. Early training in categorizing money establishes patterns for future … Continue reading Spending Plans

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Categories Saving & Investing, Spending Money, Tags , , , ,
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Longevity and Retirement

Students learn about the different needs of individuals as it relates to saving for retirement. Teaching Objectives: Examine the investment needs of different individuals and make recommendations for their retirement strategies.  Evaluate longevity and life-span statistics to predict the numbers of years they will live in retirement and expected income needs. Standard 6: The student … Continue reading Longevity and Retirement

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