Free Financial Literacy Resources for College Students
College provides a completely unique time in a younger character’s existence where economic literacy training is particularly critical. Our resources for college students cover some of crucial topics faced by way of young people who can be living on their very own for the primary time. These private finance sources additionally lay the groundwork for foremost selections that happen quickly after university commencement – like shopping for a home, a automobile and coping with credit score and debt.Lesson One: The Art of Budgeting
A personal budget is a economic plan that allocates future profits towards charges, financial savings, and debt repayment. “Where does the money pass?” is a commonplace catch 22 situation confronted through many individuals and households on the subject of budgeting and cash control. Effective cash management begins with a purpose and a step-via-step plan for saving and spending. Financial desires must be practical, be particular, have a time-frame, and imply an action to be taken. This lesson will encourage students to take the time and effort to broaden their very own private economic goals and finances.Teacher’s Guide – Lesson One: The Art Of BudgetingStudent Guide – Lesson One: The Art Of BudgetingTeacher’s Slide Presentation Lesson One: The Art Of BudgetingTeachers Power Point Presentation Lesson One: The Art Of BudgetingLesson Two: Living on Your Own
As young human beings develop up, a not unusual purpose is to live on their very own. However, the demanding situations of impartial residing are often quite exceptional from their expectancies. This lesson affords a fact take a look at for college kids as they look into the costs related to shifting, acquiring furniture and home equipment, and renting an apartment.Teachers Guide – Lesson Two: Living On Your OwnStudent Guide – Lesson Two: Living On Your OwnTeachers Slide Presentation – Lesson Two: Living On Your OwnTeacher’s Power Point Presentation – Lesson Two: Living On Your OwnLesson Three: Buying a Home
For many, buying a home is the single maximum essential financial selection they will make of their lifetime. However, the manner of becoming a primary-time homebuyer can be overwhelming, and requires a basis for fundamental home-shopping for knowledge. This lesson will offer college students with statistics on buying a home and where and the way to begin the system. After evaluating the variations among renting and buying, students could be introduced to a 5-step technique for home shopping for. This framework provides a top level view for the sports involved with selecting and purchasing a home.Teacher’s Guide – Lesson Three: Buying A HomeStudent Guide – Lesson Three: Buying A HomeTeacher’s Slide Presentation – Lesson Three: Buying A HomeTeacher’s Power Point Presentation – Lesson Three: Buying A HomeLesson Four: Credit
In nowadays’s international, credit is integrated into ordinary lifestyles. From renting a automobile to booking an airline ticket or hotel room, credit playing cards have emerge as a necessary convenience. However, the use of credit score wisely is vital to constructing a strong credit score records and preserving fiscal fitness. While maximum college students have a widespread concept about the advantages and downsides of credit score, this lesson offers an possibility to discuss these problems in greater element.Teacher’s Guide – Lesson Four: CreditStudent Guide – Lesson Four: CreditTeacher’s Slide Presentation – Lesson Four: CreditTeacher’s Power Point Presentation – Lesson Four: CreditLesson Five: Credit Cards
What is APR? What is a grace length? What are transaction expenses? These and different questions could be spoke back on this lesson as college students learn about credit playing cards, and the extraordinary types of playing cards available and functions of every, along with financial institution cards, store cards, and travel and entertainment playing cards. As students start to buy their first (or next) credit score card, this lesson will lead them to privy to diverse prices and capabilities. Included on this phase is a discussion of the methods for calculating finance costs.Teacher’s Guide – Lesson Five: Credit CardsStudent Guide – Lesson Five: Credit CardsTeacher’s Slide Presentation – Lesson Five: Credit CardsTeacher’s Power Point Presentation Lesson Five: Credit CardsLesson Six: Cars and Loans
“Should I purchase a new automobile or a used automobile?” “Where is the high-quality place to finance my automobile purchase?” “Is it higher to take the rebate or the low-price financing plan?” These are regular questions requested with the aid of people buying vehicles. In this lesson, college students are requested to pick out prices associated with owning and working a motor vehicle. Since these costs are normally underestimated, recommendations are supplied on how tons to spend when shopping for motors.
Teacher’s Guide – Lesson Six: Cars And Loans
Student Guide – Lesson Six: Cars And Loans
Teacher’s Slide Presentation – Lesson Six: Cars And Loans
Teacher’s Power Point Presentation – Lesson Six: Cars And LoansLesson Seven: Consumer Awareness
Decisions, selections. With so many choices to be had to us, how are we able to make certain we’re making the right selection? Wise consumer shopping for begins with a plan. Using a scientific shopping strategy will provide students with an capacity to make more powerful purchases. Comparative buying strategies may be mentioned to encourage college students to carefully remember fee, product attributes, warranties, and save rules. Next, this lesson covers a variety of buying strategies, inclusive of buying clubs, buying via telephone, catalogs, on-line, and door-to-door promoting.Teacher’s Guide – Lesson Seven: Consumer AwarenessStudent Guide – Lesson Seven: Consumer AwarenessTeacher’s Slide Presentation – Lesson Seven: Consumer AwarenessTeacher’s Power Point Presentation – Lesson Seven: Consumer AwarenessLesson Eight: Saving and Investing
Saving simply 35 cents an afternoon will bring about more than $a hundred twenty five in a year. Small quantities saved and invested can without problems grow into large sums. However, a person need to start to shop. This lesson provides college students with a simple understanding of saving and making an investment. The method begins with placing monetary desires. Next, a commitment to saving is discussed.Teacher’s Guide – Lesson Eight: Saving And InvestingStudent Guide – Lesson Eight: Saving And InvestingTeacher’s Slide Presentation – Lesson Eight: Saving And InvestingTeacher’s Power Point Presentation – Lesson Eight: Saving And InvestingLesson Nine: Trouble
The cloth in this lesson will help college students emerge as aware of the caution symptoms of economic problems.Teacher’s Guide – Lesson Nine: In TroubleStudent Guide – Lesson Nine: In TroubleTeacher’s Slide Presentation – Lesson Nine: In TroubleTeacher’s Power Point Presentation – Lesson Nine: In TroubleLesson Ten: Consumer Privacy
In nowadays’s information age, keeping your personal economic records personal may be challenging. What you put on an application for a loan, your price records, where you are making purchases, and your account balances are but most of the economic facts that may be bought to third parties and different agencies. This lesson will talk how public and personal information are accessed and used by various companies, in addition to evaluate privateness legal guidelines to guard your records.Teacher’s Guide – Lesson Ten: Consumer PrivacyStudent Guide – Lesson Ten: Consumer PrivacyTeacher’s Slide Presentation – Lesson Ten: In TroubleTeacher’s Power Point Presentation – Lesson Ten: In Trouble
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If you're operating with adults who are not in university, keep in mind the use of our unfastened economic literacy curriculum, advanced for Habitat for Humanity’s domestic recipients. This curriculum affords comparable facts however is designed for a lower-literacy pupil.
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