1. What You’ll Learn: How to handle your cash.
Stuff We’ll Cover:
- What is money, really?
- Making a budget: What comes in (income) and what goes out (expenses).
- Savings and checking accounts: Your money’s home.
Fun Stuff:
- Pretend to run your own bank account.
- Create a budget for planning an awesome party.
2. Saving Up
What You’ll Learn: Why saving money is cool.
Stuff We’ll Cover:
- Saving for something big vs. saving just because.
- How saving can make you more money (interest rates).
- Different places to keep your savings.
Fun Stuff:
- Set a goal to save for something you really want.
- Play with a calculator to see how fast your money can grow.
3. Spending Smart
What You’ll Learn: How to spend wisely.
Stuff We’ll Cover:
- Needs (stuff you must have) vs. wants (cool but unnecessary).
- How to shop smart.
- Dodging those “buy it now!” traps.
Fun Stuff:
- Track your spending for a week – where does your cash go?
- Discuss with friends what needs and wants you have.
4. Credit and Borrowing
What You’ll Learn: All about borrowing and using credit.
Stuff We’ll Cover:
- Credit cards: what are they and how do they work?
- Loans and interest: borrowing money isn’t free.
- Credit scores: your financial report card.
Fun Stuff:
- Real-life stories: good and bad credit choices.
- Have someone who knows about money talk about credit.
5. Investing 101
What You’ll Learn: Getting started with investing.
Stuff We’ll Cover:
- Different ways to invest: stocks, bonds, and more.
- Risky business: more risk can mean more reward.
- What’s up with the stock market?
Fun Stuff:
- Try a fake stock market game online.
- Chat about how to mix up your investments.
6. Money and Morals
What You’ll Learn: Being smart and ethical with money.
Stuff We’ll Cover:
- Spending money in a way that matches your values.
- How to be money-smart in your community.
- Staying away from scams.
Fun Stuff:
- Investigate a famous money scam.
- Group talk: how to make money choices you can be proud of.
7. Future Money Moves
What You’ll Learn: Planning for Bigger Things.
Stuff We’ll Cover:
- Saving for college and dealing with student loans.
- Taxes: everyone’s favourite subject (not really, but important!).
- Thinking about retirement (it’s never too early!).
Fun Stuff:
- Workshop on college and money.
- Have someone cool talk about saving for the future.
8. Real-World Money Skills
What You’ll Learn: Skills you’ll actually use.
Stuff We’ll Cover:
- How to do your taxes.
- Understanding your paycheck.
- How to talk about money (like asking for a raise).
Fun Stuff:
- Try filling out a tax form (it’s a game, promise).
- Role-play negotiating a job offer.
Checking In
What You’ll Do: See how much you’ve learned.
How We’ll Do It:
- Quick quiz or game to test your knowledge.
- Tell us what you liked and what you want more of.
Extra Resources
We’ll give you cool websites, apps, and book ideas to keep learning.
Wrapping Up
We’ll review all the awesome stuff you’ve learned and encourage you to keep being money-smart.