Money Sense
Money Sense consists of three presentations: Bank Your Future, Check It Out and To Your Credit. The entire program is delivered in six, 50-minute presentations by volunteers from the business community, who share their own unique insight along the way. The program targets 16-to-18-year olds because that is the age range when they will likely be first confronted with jobs, budgets, loans, savings and credit. Money Sense features a popular core of finance lessons readily adaptable for the classroom and is delivered in high schools and community-based organizations that serve teens. View our current volunteer opportunities here.
Curriculum
Bank Your Future
- Ways to get paid & how to read your earnings statement
- Benefits of tracking expenses & budgeting
- Paths after high school & income choices
- Paying for college & FAFSA
- Costs of living independently as a young adult
- How to build & use a budget
- Ways to save money & benefits of saving early
- How money grows through investment
Check It Out
- How banks & credit unions keep money safe
- Choosing a financial institution & opening an account
- Costs of using check cashing stores
- Ways to access money
- Why tracking & managing transactions is important
- How to use online & mobile banking
- How to avoid identity theft
- Personal finance “Jeopardy!”
To Your Credit
- What is credit?
- How do credit cards work?
- How to choose between credit card offers
- Credit scores: what, how & why
- Credit reports: what, how & why
- How credit scores affect someone’s future
- How to build good credit early