Financial Adventures and Mysteries for Graduates: Supporting Yourself When You Move Out!
Edition: 1
Copyright: 2019
Pages: 208
Edition: 1
Copyright: 2019
Pages: 208
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This is a very different workbook than the general financial literacy book. Here, you are transported on a journey from living at home, to being financially successful, living on your own, in a brave new world. You will be given down-toearth reasons for how and why you need to do things such as, live on a budget; go to ANY college you wish, not just ones you can afford; and why you need to work (paying for things now), have fun (recharging your battery for what’s ahead) and go to school (improving your opportunities for a great tomorrow).
You learn by reading (the workbook chapters), watching (YouTube videos) and doing (worksheets) real-world things like finding an apartment you can afford; eating so you can perform at the top of your game; dressing for success; shopping wisely; buying an affordable car; why you need to make time for yourself; understand and establish credit even if you are underage; understanding and finding insurance you really need and can afford; and to begin investing with almost nothing. Your journey towards financial success begins within the covers of this workbook. Let’s begin your journey towards financial success right now!
Preface
For Teachers
Chapter 1 – Our Adventure Begins
- Our Early Life Adventures (Birth to High School)
- Our Adventure Changes (Adulthood)
- Financial Literacy Basics
- Profit (Makes the World Go Around—How You Fit in)
- Why People Hire You (Human Capital and You)
- Chapter 1: Travels
- Chapter 1: Videos
- Chapter 1: Worksheet
- ECO 1931 Financial Literacy Class Partnership Form
- ECO 1931 Financial Literacy Class Partnership Instruction Form
Chapter 2 – Adventures in Budgeting
- Income (How Much You Earn)
- Expenses (How Much You Spend (Need and Want) to Maintain a Lifestyle)
- Cash Flow (Can You Pay for Everything You Need and Want)
- Budget (Your Plan)
- Chapter 2: Travels
- Chapter 2: Videos
- Chapter 2: Worksheet
- Running Budget Worksheet
Chapter 3 – Where Am I Going to Live? (Shelter and Utilities)
- Apartments Versus Houses (Options of Where to Live)
- Apartments (Your Safe Place)
- Utilities (To Live in the Apartment)
- Contracts (Signing Away Your Financial Life)
- Roommates (Reduce Costs—Create Hell on Earth)
- Chapter 3: Travels
- Chapter 3: Videos
- Chapter 3: Worksheet
- Shelter/Utilities Worksheet
- Shelter/Utilities Instruction Worksheet
Chapter 4 – I’d Really Like to Eat (Food)
- Peak performance (Be at Your Best for Anything)
- Food (Provides Your Engine, Body, With the Fuel It Needs for Peak Performance)
- Main Meals (Three Each Day)
- Snacks (Help Get From One Meal to the Other While Staying at Peak Performance)
- Chapter 4: Travels
- Chapter 4: Videos
- Chapter 4: Worksheet
- Meal Plan for the week of: Worksheet
- Meal Plan for the week of: Instruction Worksheet
Chapter 5 – The Emperor Has No Clothes (Clothes/Personal Items)
- Clothes (Dressing for Success—What People See First Is a Lasting Impression)
- Other Than Clothes (Personal Items You Will Also Need)
- Chapter 5: Travels
- Chapter 5: Videos
- Chapter 5: Worksheet
- Clothes Plan Worksheet
- Clothes Plan Instruction Worksheet
Chapter 6 – Let’s Go Shopping! (Food and Clothing)
- Make it Fun (Shopping is Not Dull Unless You Make it So)
- Partner up (Social Event)
- Chapter 6: Travels
- Chapter 6: Videos
- Chapter 6: Worksheet
- Food Shopping List Worksheet
- Food Shopping List Instruction Worksheet
- Clothes Shopping List Worksheet
- Clothes Shopping List Instruction Worksheet
Chapter 7 – Relax and Enjoy Life! (Entertainment)
- How You Spend Your Time (What You See as Important to You)
- What You Think Is Important (Explain the Sections—May Want to Reconsider Your Time Spent Doing Things)
- Chapter 7: Travels
- Chapter 7: Videos
- Chapter 7: Worksheets
- Entertainment Worksheet
- Entertainment Instruction Worksheet
Chapter 8 – Banking, Credit, Credit Cards, Oh My!
- Banking (Something You Have to Understand and Will Need for the Rest of Your Life)
- Credit (It Is Hard to Live Without It)
- Building Credit (You Start With None, But You Need It to Get It!)
- Credit Cards (These Will Make or Break a Financially Successful Life)
- Chapter 8: Travels
- Chapter 8: Videos
- Chapter 8: Worksheets
- Banking, Credit Card, and Cell Phone Worksheet
- Banking, Credit Card, and Cell Phone Instruction Worksheet
- Establishing Credit Worksheet—Extra Credit
- Establishing Credit Instruction Worksheet Extra Credit
Chapter 9 – Getting From Point A to Point B (Transportation)
- Dream Vehicle (What Do You Really Desire!)
- Reality Vehicle (What You Can Afford)
- Chapter 9: Travels
- Chapter 9: Videos
- Chapter 9: Worksheet
- Transportation Worksheet—Which Car
- Transportation Instruction Worksheet—Which Car
- Transportation Worksheet—The Car
- Transportation Instruction Worksheet—The Car
- Extra Credit Opportunity
- Extra Credit Opportunity Instruction Worksheet
Chapter 10 – Building My Human Capital (College)
- Experience and Training (Things You Get on-the-Job)
- Trade School (You Can Make a Lot of Money Without a Degree)
- College (You Have the Potential to Make a Gigantic Amount of Money!)
- Knowing Yourself (Can You Make a Plan If You Don’t Know Where to Start?)
- Finding Your School (Where Should You Go, NOT Where Can You Go)
- Financing College (It Does Cost a Lot)
- Free College (No Such Thing, but You Can Get Extra Money for You to Cover Your School and Living Costs)
- Chapter 10: Travels
- Chapter 10: Videos
- Chapter 10: Worksheet
- College Financing Worksheet
- College Financing Instruction Worksheet
- Extra Credit Opportunity—Academic Degree Plan
- Extra Credit Opportunity—Academic Degree Plan Instruction Worksheet
Chapter 11 – When Bad Things Happen (Insurance)
- Why Insurance (I’m Healthy and Young, Nothing Will Happen to Me)
- How Insurance Works (It’s a Bit More Complicated Than You Pay Them and They Pay for Everything)
- What Insurance Do I Need (Can I Pick and Choose as I Have Limited Money to Spend)
- Private Insurance (Pay of These Yourself)
- Public Insurance (Government Pays Now – You Pay Later!)
- Chapter 11: Travels
- Chapter 11: Videos
- Chapter 11: Worksheet
- Private Insurance Worksheet
- Private Insurance Instruction Worksheet
- Public Insurance Worksheet
- Public Insurance Instruction Worksheet
Chapter 12 – Doing Things My Way (Investing)
- Investing Foundation (What Do I Need to Do BEFORE I Begin Investing?)
- Begin Investing (The Basic Investing Steps)
- Building Your Investment Portfolio (How Do I Invest When I Don’t Have Any Money?)
- Chapter 12: Travels
- Chapter 12: Videos
- Chapter 12: Worksheet
- Investing Worksheet
- Investing Instruction Worksheet
Chapter 13 – Reality Budget (Real Minimum Wage)
- Federal Income Taxes (How Much Does the Government Take of My Money?)
- Child Tax Credit (One Big Deduction Increase You Might Like)
- The 1% and the 99% (Why Shouldn’t the Rich Pay All the Taxes?)
- Social Security and Medicare Taxes (The Free Public Insurance Money)
- Total Taxes You Pay (This Is What Goes on Your Class Budget Worksheet)
- Chapter 13: Travels
- Video(s) to View
- Chapter 13: Worksheets
- Class Budget Worksheet
- Class Budget Instruction Worksheet
- Reality Budget Worksheet
- Reality Budget Instruction Worksheet
- End of Class Worksheet—ECO 1931
- End of Class Instruction Worksheet—ECO 1931
- Partner’s Worksheet
- Partner’s Instruction Worksheet
Epilogue
- Personal Financial Action Plan Worksheet
- Personal Financial Action Plan Instruction Worksheet
- Blank Personal Financial Action Plan Worksheet
Glossary
Endnotes