Syllabus

MONEY MYTHS & MORE

Two-hour class designed for young people 13 through 18 years of age.

Managing Money is Common Sense
Discussions on how lack of education in the area of personal finance has sparked the misconception that managing money must be a simple task that requires no preparation.
More money will solve your problems
Having more money doesn't make the bills disappear. Learning to manage the money you have is an essential part of maintaining your life. Topics covered will include "saving money does not equal paying bills" and "if you had cash to buy whatever you wanted, you would still have bills to pay."
Smart people pay their bills on time
Managing money is not an uneducated person's problem. What are the skills you need to pay your bills on time? Intelligence is just one of many.
Men understand money better than women
Discuss the roles women and men play in relation to money and how those views skew our ability to manage money effectively.

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ALL ABOUT CHECKING ACCOUNTS

Two-hour class designed for young people 13 through 18 years of age.

  • What is a checking account?
  • Checking vs. Savings accounts
  • Why open a checking account?
  • What do you need to obtain a checking account?
  • Know the rules related to checking accounts
  • Minimum balances
  • Fees, fees, fees
  • Withdrawing and depositing
  • Check writing 101
  • What happens when you write a check?
  • ATMs, Debit cards, automatic deduction
  • Balancing your checking account

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ALL ABOUT PAYCHECKS

Two-hour class designed for young people 13 through 18 years of age.

  • Paycheck frequency
  • Calculate annual pay from hourly pay
  • Exempt vs. Non-exempt employees
  • What comes out of a paycheck and why
  • Pre-tax deductions, post-tax deductions
  • Tax Forms
  • How Taxes work

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BE SMART ABOUT CREDIT CARDS

Two hour class designed for young people 13 through 18 years of age.

  • Do you need a credit card?
  • Types of credit cards
  • Credit Card Terms
  • Credit Limits
  • Grace Periods
  • Interest/Finance Charges
  • Interest Rates
  • Minimum Balance Due
  • What does a credit card company want?
  • Credit Card Fees
  • What do you want from a credit card?
  • Buying Scenarios
  • What's a credit report and a credit score?

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PAYING BILLS - IT'S NOT COMMON SENSE!

Two-hour class designed for young people 13 through 18 years of age.

  • It's not what you make, it's what you owe.
  • Ways to pay your bills - writing checks, on-line banking, auto deduction
  • Staying organized so that bills get paid
  • Don't bury your head in the sand
  • Keep a list of your bills
  • Keep your paperwork in one place
  • Never ignore a bill, make a plan
  • Do what you say you're going to do
  • Bills you can expect once you go to college

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SEMINAR FOR PARENTS/ADULTS

Two-hour class designed for adults and parents 19 years of age and over.

  • What do you need to pay your bills?
  • I have money, why aren't my bills getting paid?
  • I don’t have enough money to pay my bills.
  • No money vs. bills – what do I do RIGHT NOW?
  • Emotions related to spending
  • Types of credit card agreements
  • Credit reporting agencies
  • What's a credit score?
  • How to pay off your credit card debt
  • Talking to your kids about money
  • Let your kids see the bills
  • Include kids in financial decisions
  • Put kids on an allowance

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