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Finance Savings Assignments

Teacher Printables

Banking/Financial Services    Budgeting   Buying a Home   Career   Charitable Giving   Coin Recognition/Values
Credit   Decision Making    Economic Reasoning   Entrepreneurism    Financial Behavior   Financial Goals
 General Information   Holidays   Identity Theft   Income   Insurance   Investments    Loans
Monetary and Fiscal Policy  Money Management   Opportunity Costs & Tradeoffs    Other    Parent Assignments
Retirement Planning    Saving/Spending   Scarcity & Choices   Supply & Demand   Taxes


Banking/Financial Services

10-12 Grades

Financial Institution Comparison Conclusions (pdf)

Managing a Checking Account (pdf)

Parts of a Check Worksheet (pdf)


10-12 Grades

Bean Game Version 1 (pdf)

Bean Game Version 2 (pdf)

Budget Basics (pdf)

Budget Busters Activity (pdf)

Cheap Date Ideas (pdf)
Fun dating ideas that are sure to leave your pockets full of cash!

Consequences of Not Following a Budget (pdf)

Envelope System (pdf)
Print this document on envelopes to help you manage your hard, cold cash!

Group Juggle Activity (pdf)

My Own Budget (pdf)

Spending Plan (pdf)

Buying a Home

10-12 Grades

Buying a Home (pdf)
This is a great packet of information and tips to help a first time homebuyer be successful.

Career – Earning and Income/Management

K-3 Grades

4-6 Grades

Wanted Worksheet(pdf)

7-9 Grades

Wanted Worksheet(pdf)

10-12 Grades

Analyze a Pay Stub (pdf)

Career Cluster Interest Survey (pdf)
Are you having a hard time deciding what path to take in the future? Why not follow a path that reflects who you are. This survey will help narrow down career options for your future.

Career Plan Worksheet (pdf)

Compare Employee Benefits (pdf)

Cost of Living Worksheet (pdf)

Factors That Affect Your Income (pdf)

I9 Form (pdf)

Income Matching Terms (pdf)

Paycheck Math (pdf)

Practice Interview Questions (pdf)
Practice makes perfect!!!  Practice interviewing with these time-tested questions.

Quotes on Careers (pdf)

Spider Map - Sources of Income (pdf)

W2 Form (pdf)

W4 Form (pdf)

Wanted Worksheet(pdf)

Which Careers Earn the Highest Income? (pdf)

Which Way Do I Go? (pdf)

Charitable Giving

Coin Recognition/Values

Coin Target Toss(pdf)
Challenge students to a fun coin tossing game. Students are to toss the coin with the correct value to the target with the matching value. Sample

K-3 Grades

Counting Coins Books
Several coins to choose from.

Money Instructor - Color the Money
Printable money identification pages

K-6 Grades

Coin Recognition Worksheets
Set up an FREE account with and access hundreds of amazing printables. K-6 grades

Money Bingo (pdf)


Watching for Credit Card Tricks (pdf)
A spin-free guide to reading the fine print on credit car offers and agreements.

10-12 Grades

Credit Card Comparison (pdf)
Practice choosing the right credit card for you!

Credit Masquerade Activity (pdf)

Credit Scores: The SATs of Adulthood (pdf)

Learn About Your Offer (pdf)
Understand Your Credit Card Offer

Understand Your Statement (pdf)
Explanation of the different sections on a credit card statement.

What Would You Do (pdf)

Decision Making

10-12 Grades

Ask About Ads (pdf)

Decision Making Process Worksheet (pdf)

Decision Making Worksheet T Chart (pdf)

Values and Goals Worksheet (pdf)

Economic Reasoning


Entrepreneur Posters (pdf)
Posters of famous entrepreneurs provided by the Dallas Fed. Learn about Oprah Winfrey, Bill Gates, Steve Jobs, Tyler Perry and others who display excellence in entrepreneurship! Sample

Financial Behavior

10-12 Grades

Ask About Ads (pdf)
It's all about commitment! Take the pledge that will lead you to financial success!

FITC 5 Point Pledge (pdf)
It's all about commitment! Take the pledge that will lead you to financial success!

Goals Worksheet (pdf)

Ka Ching! Song Lyrics (pdf)

Stanford Marshmallow Study

Financial Goals

8-12 Grades

10-12 Grades

Financial Values, Attitudes and Goals (pdf)

Financial Values Inventory (pdf)

Goal Tracking Record (pdf)

Road Conditions Questions (pdf)

Values and Goals (pdf)
Identify your personal financial values and goals.

General Information

10-12 Grades

Basic Checking Account Information (pdf)

Building Wealth: A Beginner’s Guide to Securing Your Financial Future (pdf)

Stock, Stock, Stock Lesson Plan and Worksheets (ppt)



Printable Holiday Planning Pages

Identity Theft

10-12 Grades

Consumer Research Worksheet (pdf)

Identity Smart: A Guide for Consumers to Help Protect Against Identify Theft (pdf)

Money Talks: Privacy, Please (pdf)


7-10 Grades

10-12 Grades

Allowance Contract (pdf)
This is a great way to plan for the future!  This contract will help you and your parents agree on the best way for you to manage your money.


10-12 Grades

Building Wealth: Protect Your Wealth (pdf)

Insurance Investigation (pdf)

Insurance Matchmaker Activity (pdf)

Insurance Needs Through Life (pdf)

Spoon Activity (pdf)


10-12 Grades

The Basics of Savings and Investing: Investor Education 2020 (pdf)
A unique teaching tool that will provide school age and adult learners with non-commercial information that they need to know for sound financial decision making and investing throughout their lives.

Dow Jones Quiz (pdf)

Differences Between Saving and Investing (pdf)

Evaluate a Stock

How a Stock is Bought and Sold (pdf)

How to Read a Stock Table (pdf)

Killing Time Worksheet (pdf)

Reading the Financial Page Quiz (pdf)

Rule of 72 Practice (pdf)

Saving vs. Investing Venn Diagram (pdf)

Stock Market & You Worksheet (pdf)

Time Value of Money Worksheet (pdf)

Why Study the Stock Market (pdf)

Loans and Borrowing Money

10-12 Grades

Car Costs (pdf)
Before you buy a car, know what you can afford and how much the car you are considering will cost.

Monetary and Fiscal Policy

Money Management

10-12 Grades

Financial Institution Comparison Conclusions (pdf)

Managing a Checking Account (pdf)

Opportunity Costs & Tradeoffs


Incentive Coupons - Sampler (pdf)

Incentive Coupons - Blank - 4 per page (pdf)

Incentive Coupons - Sampler - 6 per page (pdf)

Step by step directions on how to use UTIPS for General Financial Literacy (high school course) testing. (pdf)

10-12 Grades

Fly Swatter Game (pdf)

Grey Elephant in Denmark (pdf)

Parent Assignments

Durfee First Day Parent Discussion (doc)

Durfee Home Budget (doc)

Durfee ID Theft Prevention (doc)

Durfee Insurance in My Home Take Home Assignment (doc)

Durfee Parent Career Discussion (doc)

Durfee Parent Discussion Retirement (doc)

Retirement Planning

Retirement Toolkit (pdf)
The Retirement Toolkit is a handy tool that provides general guidance on key issues plus a list of publications, resources, and interactive tools to help workers understand important decisions related to employment-based plans, Social Security and Medicare.

10-12 Grades

Millionaire Quiz (pdf)

There's A Way Activity (pdf)


10-12 Grades

Alexander Worksheet (pdf)

Allowance Contract (pdf)
This is a great way to plan for the future!  This contract will help you and your parents agree on the best way for you to manage your money.

The Basics of Savings and Investing: Investor Education 2020 (pdf)
A unique teaching tool that will provide school age and adult learners with non-commercial information that they need to know for sound financial decision making and investing throughout their lives.

Differences Between Saving and Investing (pdf)

Money Talks: Savings Made Simple (pdf)

Saving Expert Steve Spender (pdf)

Savings Volcabulary (pdf)

Saving vs. Investing Venn Diagram (pdf)

What is Saving and Why is it Important? (pdf)

Scarcity & Choices

10-12 Grades

Consumer Research (pdf)
Be a smart shopper.

Supply & Demand


8-12 Grades

A Taxing Question (pdf)
The purpose of taxes

10-12 Grades

Completing Tax Forms (pdf)

Are You Teaching Financial Literacy To High School Students?

The teaching curriculum consists of fourteen lesson plans & worksheets designed to augment a semester course in life skills and personal finance management. The Teacher’s Guide, compiled in a separate, easy-to-use notebook, includes an outline of the curriculum:

  • Goals
  • Lesson objectives
  • Suggested resources
  • Teaching notes
  • Chart indicating appropriate age groups for the key learnings offered in each lesson
  • Presentation slides
  • Worksheets
  • Answer keys to worksheets (when necessary)

Introductory Overview to Financial Literacy for High School Students

Lesson One: Making Personal Finance Decisions

Each day, we are faced with many decisions. While most decisions are simple, such as “what should I wear?” or “what should I eat?,” others are more complex, such as “should I buy a new or used car?”  As decision-making skills are used and improved, a person’s quality of life is enhanced. Wiser choices result in better use of time, money, and other resources.  This introductory lesson provides students with an opportunity to learn more about decision-making. The lesson starts with an overview of the decision-making process followed by a discussion of various internal and external factors that affect decisions.

Teacher’s Guide –  Lesson One: Making Decisions

Student Guide – Lesson One: Making Decisions

Teacher’s Slide Presentation – Lesson One: Making Decisions

Teacher’s Power Point Presentation – Lesson One: Making Decisions

Lesson Two: Making Money

Building your career is one of the surest ways to increase income and make money. When planning for the future, one of the most critical financial decisions is determining your career path.  In this lesson, students will be encouraged to consider various topics related to career planning and the financial aspects of employment. This variation of the decision-making process can help a person match personal abilities and interests with appropriate employment opportunities.

Teacher’s Guide – Lesson Two: Making Money

Student Guide – Lesson Two: Making Money

Teacher’s Slide Presentation – Lesson Two: Making Money

Teacher’s Power Point Presentation – Lesson Two: Making Money

Lesson Three: The Art of Budgeting

A personal budget is a financial plan that allocates future income toward expenses, savings, and debt repayment. “Where does the money go?” is a common dilemma faced by many individuals and households when it comes to budgeting and money management.  Effective money management starts with a goal and a step-by-step plan for saving and spending. Financial goals should be realistic, be specific, have a timeframe, and imply an action to be taken. This lesson will encourage students to take the time and effort to develop their own personal financial goals and budget.

Teacher’s Guide – Lesson Three: The Art Of Budgeting

Student Guide – Lesson Three: The Art Of Budgeting

Teacher’s Slide Presentation – Lesson Three: The Art Of Budgeting

Teachers Power Point Presentation – Lesson Three: The Art Of Budgeting

Lesson Four: Living on Your Own

As young people grow up, a common goal is to live on their own. However, the challenges of independent living are often quite different from their expectations. This lesson provides a reality check for students as they investigate the costs associated with moving, obtaining furniture and appliances, and renting an apartment.

Teacher’s Guide – Lesson Four: Living On Your Own

Student Guide  – Lesson Four: Living On Your Own

Teacher’s Slide Presentation – Lesson Four: Living On Your Own

Teacher’s Power Point Presentation – Lesson Four: Living On Your Own

Lesson Five: Buying a Home

For many, buying a home is the single most important financial decision they will make in their lifetime.  However, the process of becoming a first-time homebuyer can be overwhelming, and requires a foundation for basic home-buying knowledge.  This lesson will provide students with information on buying a home and where and how to begin the process. After comparing the differences between renting and buying, students will be introduced to a five-step process for home buying. This framework provides an overview for the activities involved with selecting and purchasing a home.

Teacher’s Guide – Lesson Five: Buying A Home

Student Guide – Lesson Five: Buying A Home

Teacher’s Slide Presentation – Lesson Five: Buying A Home

Teacher’s Power Point Presentation – Lesson Five: Buying A Home

Lesson Six: Banking Services

If the fee for an ATM transaction to withdraw money is $1 and a person withdraws money twice a week, the banking fees for that person will be $104 a year. Over a five-year period, those fees invested at five percent would grow to more than $570.  Most students know that banks and other financial institutions (credit unions, savings and loan associations) offer a variety of services. However, few people know how to make wise choices when using financial services. In this lesson, students will learn about the different types of financial service products available and the features of each.

Teacher’s Guide – Lesson Six: Banking Services

Student Guide – Lesson Six: Banking Services

Teacher’s Slide Presentation – Lesson Six: Banking Services

Teacher’s Power Point Presentation – Lesson Six: Banking Services

Lesson Seven: Credit

In today’s world, credit is integrated into everyday life. From renting a car to reserving an airline ticket or hotel room, credit cards have become a necessary convenience. However, using credit wisely is critical to building a solid credit history and maintaining fiscal fitness. While most students have a general idea about the advantages and disadvantages of credit, this lesson provides an opportunity to discuss these issues in more detail.

Teachers Guide – Lesson Seven: Credit

Student Guide – Lesson Seven: Credit

Teacher’s Slide Presentation – Lesson Seven: Credit

Teacher’s Power Point Presentation – Lesson Seven: Credit

Lesson Eight: Credit Cards

What is APR? What is a grace period? What are transaction fees?  These and other questions will be answered in this lesson as students learn about credit cards, and the different types of cards available and features of each, such as bank cards, store cards, and travel and entertainment cards.

As students start to shop for their first (or next) credit card, this lesson will make them aware of various costs and features. Included in this section is a discussion of the methods for calculating finance charges.  Various federal laws protect our rights as we apply for and use credit cards, such as procedures for disputes and protection from card theft and fraud. In this lesson, students will also be given an opportunity to analyze the information contained on a credit card statement.

Teacher’s Guide – Lesson Eight: Credit Cards

Student Guide – Lesson Eight: Credit Cards

Teacher’s Slide Presentation – Lesson Eight: Credit Cards

Teacher’s Power Point Presentation – Lesson Eight: Credit Cards

Lesson Nine: Cars and Loans

“Should I buy a new car or a used car?”  “Where is the best place to finance my automobile purchase?”  “Is it better to take the rebate or the low-rate financing plan?”  These are typical questions asked by people buying vehicles. In this lesson, students are asked to identify costs associated with owning and operating a motor vehicle. Since these costs are commonly underestimated, guidelines are provided on how much to spend when buying vehicles.

Teacher’s Guide – Lesson Nine: Cars And Loans

Student Guide – Lesson Nine: Cars And Loans

Teacher’s Slide Presentation – Lesson Nine: Cars And Loans

Teacher’s Power Point Presentation – Lesson Nine: Cars And Loans

Lesson Ten: The Influence of Advertising

In today’s modern world, advertising seems to be everywhere we look; online, television, billboards, magazines, newspapers, on buses, grocery carts, even cell phones.  In addition, some forms of advertising can be subliminal, such as the strategically-placed soda can in a movie. We can’t help but be influenced and manipulated as consumers. In this lesson, students will become aware of the various techniques and appeals used to influence consumer behavior.

Teachers Guide – Lesson Ten: The Influence Of Advertising

Student Guide – Lesson Ten: The Influence Of Advertising

Teacher’s Slide Presentation – Lesson Ten: The Influence Of Advertising

Teacher’s Power Point Presentation – Lesson Ten: The Influence Of Advertising

Lesson Eleven: Consumer Awareness

Decisions, decisions. With so many choices available to us, how can we be sure we’re making the right decision?  Wise consumer buying starts with a plan. Using a systematic purchasing strategy will provide students with an ability to make more effective purchases. Comparative shopping techniques will be discussed to encourage students to carefully consider price, product attributes, warranties, and store policies. Next, this lesson covers a variety of buying methods, such as buying clubs, shopping by phone, catalogs, online, and door-to-door selling.

Teacher’s Guide – Lesson Eleven: Consumer Awareness

Student Guide – Lesson Eleven: Consumer Awareness

Teacher’s Slide Presentation – Lesson Eleven: Consumer Awareness

Teacher’s Power Point Presentation – Lesson Eleven: Consumer Awareness

Lesson Twelve: Saving and Investing

Saving just 35 cents a day will result in more than $125 in a year. Small amounts saved and invested can easily grow into larger sums. However, a person must start to save.  This lesson provides students with a basic knowledge of saving and investing. The process starts with setting financial goals. Next, a commitment to saving is discussed.

Teacher’s Guide – Lesson Twelve: Saving And Investing

Student Guide – Lesson Twelve: Saving And Investing

Teacher’s Slide Presentation – Lesson Twelve: Saving And Investing

Teacher’s Power Point Presentation – Lesson Twelve: Saving And Investing

Lesson Thirteen: In Trouble

The material in this lesson will help students become aware of the warning signs of financial difficulties. This lesson includes information on where to go for debt consolidation help and for nonprofit credit counseling.

Teacher’s Guide – Lesson Thirteen: In Trouble

Student Guide – Lesson Thirteen: In Trouble

Teacher’s Slide Presentation – Lesson Thirteen: In Trouble

Teacher’s Power Point Presentation – Lesson Thirteen: In Trouble

Lesson Fourteen: Consumer Privacy

In today’s information age, keeping your personal financial information private can be challenging. What you put on an application for a loan, your payment history, where you make purchases, and your account balances are but a few of the financial records that can be sold to third parties and other organizations.  This lesson, with attached budgeting activities, will encourage high school students to take the time and effort to develop their own personal financial goals and spending behaviors.

Teacher’s Guide – Lesson Fourteen: Consumer Privacy

Student Guide – Lesson Fourteen: Consumer Privacy

Teacher’s Slide Presentation – Lesson Fourteen: Consumer Privacy

Teacher’s Power Point Presentation – Lesson Fourteen: Consumer Privacy

Supplementary Resources

In an effort to give you the most up-to-date information for teaching and making personal financial decisions, we’ve compiled the following lists of periodicals and organizations that can enhance your use of Practical Money Skills for Life.

More Resources for Students: The Cost of College 

The cost to attend college has soared faster than almost any segment of the economy over the last 30 years. The average cost for students attending a public university is up 213% ($3,190 in 1988 to $9,970 in 2018), while private school is up 129% ($15,160 to $34,740) over the same time period.

That’s the primary reason Americans are $1.4 trillion in debt on student loans.

The good news is that are hundreds of online sites offering tips on not just what it will cost, but what you can do to pay for it. So, take a deep breath and check out these sites that should help you find a college you can afford to attend.

  • This is a wonderful resource for everything from cost factors to how to apply to how to pay your own way.
  • They specialize in providing historical data on college pricing, financial aid and what your degree will be worth when you graduate.
  • This is the site for the Department of Education, which provides approximately 67% of college financial aid. You will find detailed evaluation of costs and financial aid here.
  • Lots of advice on how to get through the financial aid process along with stories about why you should – or should not – consider certain schools.
  • This site offers answers on the cost of college, how to finance it and even how to manage money while you’re there.
  • This is a government site that collects and analyzes date from every college and provides accurate data on average cost of attendance.
  • Very focused on finding a college you can afford and ways to pay for it.
  • Asks and answers questions about actual costs of college, school that fit you financially and how to evaluate offers you receive from colleges.

Other Resources for Teachers

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