Classroom Tools
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Lesson One: the art of budgeting
Overheads | PDF files
- 1-A -- Budgeting Process
- 1-B -- Goal-Setting Guidelines
- 1-C -- Setting Up and Maintaining a Budget
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Lesson Two: living on your own
Overheads | PDF files
- 2-A -- The Cost of Moving
- 2-B -- Preparing a Budget
- 2-C -- Budgeting to Move
- 2-D -- A Lease Agreement
- 2-E -- Rights and Responsibilities of Tenants
- 2-F -- Rights and Responsibilities of Landlords
Activities | PDF files
- 2-1 -- Estimate the Cost of Your Bedroom Furnishings
- 2-2 -- Calculate the Cost of Setting Up an Apartment or Redecorating a Home
- 2-3 -- Set Up a Budget to Begin Living on Your Own or to Upgrade Your Lifestyle
- 2-4 -- Read and Interpret a Lease/Rental Agreement -- Answer Key
- 2-5 -- Create a Student Handbook for a First Apartment
- 2-6 -- Selecting an Apartment
- 2-7 -- Lesson Four Quiz -- Answer Key
- Complete Lesson
- Interactive Quiz
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Lesson Three: buying a home
Overheads | PDF files
- 3-A -- The Home-Buying Process
- 3-B -- Qualifying for a Mortgage
- 3-C -- Types of Mortgages
- 3-D -- Closing Costs
- 3-E -- Selling Your Home
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Lesson Four: about credit
Overheads | PDF files
- 4-A -- Advantages and Disadvantages of Credit
- 4-B -- The Three C's
- 4-C -- Your Responsibilities
- 4-D -- Your Rights
- 4-E -- Building a Credit History
- 4-F -- A Credit Report
- 4-G -- Manner of Payment Codes
- 4-H -- Types and Sources of Credit
- 4-I -- How Much Can You Afford (The 20-10 Rule)
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Lesson Five: credit cards
Overheads | PDF files
- 5-A -- Shopping for a Credit Card
- 5-B -- Calculating Finance Charges
- 5-C -- Examples of Finance Charges
- 5-D -- Comparing Credit Cards
- 5-E -- What to Do if You're Denied Credit
- 5-F -- Reading a Credit Card Statement
- 5-G -- Dealing with Billing Errors
- 5-H -- Other Credit Card Protections
- 5-I -- Credit Card Do's and Don'ts
- 5-J -- How Much Can You Afford? (the 20-10 rule)
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Lesson Six: cars and loans
Overheads | PDF files
- 6-A -- Costs of Owning and Operating a Motor Vehicle
- 6-B -- How Much Can You Afford? (the 20-10 rule)
- 6-C -- Consumer Decision Making
- 6-D -- Shopping for a Used Car
- 6-E -- Sources of Used Cars
- 6-F -- Shopping for a New Car
- 6-G -- Warranties
- 6-H -- Service Contracts
- 6-I -- Shopping for a Car Loan
- 6-J -- How to Calculate the Total Cost of a Loan
- 6-K -- The Truth-in-Lending Act
- 6-L -- Types of Auto Insurance Coverage
- 6-M -- How Insurance Rates Are Set
- 6-N -- Repossession
- 6-O -- Leasing a Motor Vehicle
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Lesson Seven: consumer awareness
Overheads | PDF files
- 7-A -- Deciding to Buy
- 7-B -- Comparative Shopping Chart 1
- 7-C -- Comparative Shopping Chart 2
- 7-D -- The Real Cost of a Garment
- 7-E -- Buying Clubs
- 7-F -- Shopping by Phone, Mail, or Online
- 7-G -- Layaway Purchase Plans
- 7-H -- The Cooling-Off Rule
- 7-I -- Telemarketing Fraud
- 7-J -- Telemarketing Fraud (continued)
- 7-K -- Federal Trade Commission Telemarketing Sales Rules
- 7-L -- Common (and Not-so-Common) Fraud
- 7-M -- "900" Numbers
- 7-N -- Contest Cons
- 7-O -- Work-at-Home Schemes
- 7-P -- How to Handle a Consumer Problem
- 7-Q -- How to Write a Complaint Letter
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Lesson Eight: saving and investing
Overheads | PDF files
- 8-A -- Pay Yourself First (A Little Can Add Up)
- 8-B -- Types of Savings Accounts
- 8-C -- Money-Market Deposit Accounts
- 8-D -- Certificates of Deposit (CDs)
- 8-E -- How Simple and Compound Interest are Calculated
- 8-F -- Choosing a Savings Account
- 8-G -- Truth in Savings Law
- 8-H -- The Rule of 72
- 8-I -- Bonds
- 8-J -- Mutual Funds
- 8-K -- Stocks
- 8-L -- Real Estate
- 8-M -- Retirement Plans
- 8-N -- Individual Retirement Accounts (IRAs) -- An Example of Return on Investment
- 8-O -- Comparing Savings and Investment Plans
- 8-P -- Avoiding Investment Fraud
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Lesson Nine: in trouble
Overheads | PDF files
- 9-A -- Why Consumers Don't Pay
- 9-B -- Warning Signs of Trouble
- 9-C -- First Steps to Take if You Can't Pay Your Bills
- 9-D -- A Close Look at Your Budget
- 9-E -- Credit Counseling
- 9-F -- Consolidating Your Debts
- 9-G -- Fair Debt-Collection Practices
- 9-H -- Wage Garnishment
- 9-I -- Wage Assignment and Wage Attachment
- 9-J -- Car Repossession
- 9-K -- Wage-Earner Bankruptcy
- 9-L -- Straight Bankruptcy
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Lesson Ten: about consumer privacy
Overheads | PDF files
- 10-A -- Privacy and Information
- 10-B -- Types of Information Generally Available from Public Sources
- 10-C -- Private Databases Available Only to Those with a Legitimate Purpose
- 10-D -- Amending or Correcting Records
- 10-E -- What's in a Database Profile?
- 10-F -- What the Law Says: Federal Privacy Protection
- 10-G -- Protecting Your Privacy: Your Options as a Consumer
- 10-H -- What's in a Credit Report
- 10-I -- Reviewing Your Credit Report
- 10-J -- Telecommunication Devices and Services
- 10-K -- Electronic Monitoring in the Workplace
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