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Personal finance


Course
Violeta Seretan
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An engaging introduction to personal finance for teens, covering budgeting, saving, credit, and planning for the future.

This course offers a beginner-friendly journey into the world of personal finance, designed specifically for teenagers. Across five interactive modules, students will learn the essentials of managing money—from understanding the basics of earning, spending, and saving, to setting realistic financial goals and creating a budget. The course will also cover the importance of saving money, building an emergency fund, and choosing the right savings accounts. Students will explore the fundamentals of credit, how to use it responsibly, and strategies for managing debt. The final modules introduce the concepts of investing, risk and reward, and planning for future financial success. Through real-life examples and practical assignments, students will develop the confidence and skills needed to make smart money decisions now and in the future.

Here is the course outline:

1. Welcome to Your Money Journey

Start your adventure into personal finance by learning what money management really means, how to tell needs from wants, and how to set clear goals that motivate you.

Money Matters 101
Spot the Difference: Needs vs. Wants
Goal Getter: Setting SMART Money Goals
Essay Assessment: Your Personal Finance Journey
Test
Your Money Journey: Personal Finance Project
Your Money Journey Group Project: Build a Financial Roadmap

2. Mastering Your Budget

Discover how paychecks, taxes, and smart shopping choices fit into a realistic budget. Learn to track spending, adjust when life changes, and make every dollar count.

Your Paycheck & Taxes Decoded
Build Your First Budget
Smart Shopping & Budget Tweaks
Mastering Your Budget: Essay Assessment
Test
Personal Budget Challenge: Build, Track, and Tweak Your Own Budget
Group Project: Build and Present Your Realistic Teen Budget

3. Saving and Banking Foundations

Find out why saving matters, how compound interest grows your cash, and which bank accounts keep your money safe. Build an emergency fund and learn to dodge scams.

Save First: Emergency Funds & Big Goals
Banking Basics & Account Types
Grow & Guard Your Cash
Essay: Mastering Saving and Banking Foundations
Test
Saving and Banking Foundations: My Financial Plan Project
Group Project: Design Your Savings Plan and Protect Your Cash

4. Credit, Debt, and Investing Jumpstart

Explore how credit works, how to avoid debt traps, and how basic investing can help you reach future goals. Balance risk and reward while planning for what comes next.

Credit Scores & Responsible Borrowing
Defeating Debt Dragons
Investing 101 & Planning Ahead
Credit, Debt, and Investing Essay Assessment
Test
Credit, Debt, and Investing: Personal Finance Action Plan
Credit, Debt, and Investing Group Project

5. Your Financial Roadmap Summary

Review the key ideas from the course and create a personalized action plan to keep your finances on track today, tomorrow, and beyond.

Review & Reflect
Craft Your 1-Year Action Plan
Long-Term Vision & Next Steps
Personal Finance Reflection and Action Plan Essay
Test
Your Personal Financial Roadmap Project
Design Your Group Financial Roadmap: A Summary & Action Plan
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