Financial Basics for High School and Beyond can be taken independently by any student in North Carolina, but its fifteen mini-courses are ideally suited for use in the classroom, as homework, or as extra credit assignments.

Each mini-course takes between 15 and 30 minutes to complete and can be assigned in any order. Teacher tools automatically grade each student's work and provide aggregate quiz reports for each classroom.

Financial Basics can be used as a resource for teaching Personal Financial Literacy in both Social Studies and CTE courses. Course topics map to the following social studies and CTE curriculum standards.

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Social Studies

PFL.1 Personal Financial Literacy

Analyze the concepts and factors that enable individuals to make informed financial decisions for effective resource planning.

PFL.1.1 Explain how education, income, career, and life choices impact an individual's financial plan and goals.

Course options: Financial Health Choices About Money Financial Services Borrowing and Credit

PFL.1.2 Explain how fiscally responsible individuals create and manage a personal budget that is inclusive of income, taxes, gross and net pay, giving, fixed and variable expenses and retirement.

Course options: Smart Spending Earning a Living Planning for Your Financial Future

PFL.1.3 Analyze how managing a checking and savings account contributes to financial well being.

Course options: Financial Services Borrowing and Credit

PFL.1.4 Summarize how debt management and credit worthiness impact an individual's ability to become responsible consumers and borrowers.

Course options: Borrowing and Credit Recognizing Financial Problems Renting an Apartment Buying a Home Education and Financial Success

PFL.1.5 Analyze how fiscally responsible individuals save and invest to meet financial goals.

Course options: Planning for Your Financial Future Protecting Your Success With Insurance Compound Interest

PFL.1.6 Compare various investing strategies and tax implications for their potential to build wealth.

Course options: Planning for Your Financial Future

PFL.2 Personal Financial Literacy

Understand how risk management strategies empower and protect consumers.

PFL.2.1 Explain how consumer protection laws and government regulation contribute to the empowerment of the individual.

Course options: Education and Financial Success Financial Services

PFL.2.2 Summarize various types of fraudulent solicitation and business practices.

Course options: Protecting Your Financial Identity Recognizing Financial Problems

PFL.2.3 Summarize ways consumers can protect themselves from fraudulent and deceptive practices.

Course options: Protecting Your Financial Identity Recognizing Financial Problems

PFL.2.4 Classify the various types of insurance and estate planning including the benefits and consequences.

Course options: Planning for Your Financial Future Protecting Your Success With Insurance

PFL.2.5 Summarize strategies individuals use for resolving consumer conflict.

Course options: Protecting Your Financial Identity

Career and Technical Education

BF05 Personal Finance

1.00 Understand How to Take Charge of Your Financial Well-Being

Course options: Financial Health Choices About Money

2.00 Understand the Principles of Managing Your Money

Course options: Financial Services Managing Financial Accounts Smart Spending

3.00 Understand the Principles of Earning

Course options: Earning a Living Education and Financial Success

4.00 Understand the Principles of Receiving

Course options: Choices About Money

5.00 Understand the Principles of Saving and Investing

Course options: Compound Interest Smart Spending Planning for Your Financial Future

6.00 Understand the Principles of Spending (includes protecting and borrowing)

Course options: Borrowing and Credit Smart Spending Buying a Home Protecting Your Success With Insurance Renting an Apartment Recognizing Financial Problems Protecting Your Financial Identity

7.00 Understand the Principles of Giving

Course options: Planning for Your Financial Future Choices About Money

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