Table of Contents

Session 1 — Getting Started• What Kind of Spender Are You?• Wants vs. Needs — Creating Good Spending Habits• Avoiding Budget Killers

Session 2 — Differentiating Between Wants and Needs• Setting Goals• Savings Tips • Family Spending List

Session 3 — Creating a Spending Plan (Budgeting and Saving) I• Sample Family Budget• Gross Pay and Net Pay• Understanding a Paystub• “Pay Yourself First”• Questions for Banker

Session 4 — Creating a Spending Plan (Budgeting and Saving) II• Guest Speaker — Banker• Learn to Live on a Budget• Visit a Bank or Credit Union

Session 5 — Creating a Spending Plan (Budgeting and Saving) III• You Have to Make Money to Spend Money Work Sheet — Job Ideas

Session 6 — Life Store• Participate in the Life Store

Session 7 — Checking Accounts, Saving Accounts, Debit Cards I• How Do Your Parents Bank?• Discuss Visit a Bank or Credit Union Activity• Checking and Savings Accounts• Filling Out a Check• Paying Bills with a Check

Session 8 — Checking Accounts, Saving Accounts, Debit Cards II• Filling Out a Check Register• Balancing a Checkbook• Debit Cards Are Not Credit Cards• Online Banking and EFT

Table of Contents

Session 9 — Borrowing and Credit Cards• A Loan Is Money You Have to Pay Back• A Credit Card Is Just Like a Loan• Interest Adds to the Cost of Items Purchased with a Credit Card• Discover Iowa Colleges

Session 10 — Financial Aid for College• College Costs — Direct and Indirect• Discuss Find College Costs Work Sheet• Understanding College Costs and Financial Aid• Questions for Returning Graduate

Session 11 — College and Career Planning I• Guest Speaker — Recent Graduate• Find the Right Fit for You Work Sheet

Session 12 — College and Career Planning II• College Can Mean Different Things to Different People• Discuss Find the Right Fit for You Work Sheet• Review College Brochures• Certificates of Completion