Financial Literacy Class Plan
Introduction to Money & Earning
What is money? Where does it come from?
Earning through work, chores, or creative ideasSpending & Budgeting
Needs vs. wants
Three-jar budgeting and personal cash flowBanking Basics & Saving
Banks, debit vs. credit, and savings accounts
How interest grows savingsCredit, Loans & Debt
Understanding credit, borrowing, and responsibility
Interest on credit cards and loan decision-makingSmart Spending & Consumer Awareness
Making wise choices, comparison shopping
Spotting scams, online safety, consumer rightsEarning More and Career Insights
Exploring side gigs, entrepreneurship, and career paths
Planning realistic money goalsTaxes, Insurance & Public Spending
Why taxes matter, what they fund
Basics of insurance and protecting assetsDigital Finance & Future Trends
Contactless payments, digital wallets
Cryptocurrency, “buy now pay later,” and emerging toolsCapstone Projects & Reflection
Create mini business plans, budgets, or presentations
Reflect on key lessons and personal growth
Class Goals
⭐ Develop budgeting, saving, and spending skills
⭐ Understand banking, interest, credit, and debt
⭐ Explore entrepreneurship and digital finance
⭐ Build critical thinking and informed decision-making
⭐ Encourage financial responsibility and online safety