Personal Finance L2

Personal Finance                                                  



Career and Technical Education Mission Statement

Our mission in the Career and Technical Education Department (CATE) is to use varied instructional strategies to prepare students with the skills necessary for success in the 21st century.



Course Title:            Personal Finance

Length:                     Semester Course

Prerequisite:            None

Grade Level:            Grades 11 & 12

Instructor:                Mrs. Angelicola-Manzolli




Course Description


Students in grades 11 & 12 who elect to spend a semester taking Personal Finance will be introduced to a wide variety of personal finance topics. As consumers and citizens they will obtain knowledge and understanding about money management principles as they relate to their own financial decisions. Students will utilize a plethora of resource materials made available through various websites, publications and textbooks. Evaluation will consist of quizzes, tests, projects, homework and class work.


Course Objectives & Specific Outcomes


Upon completion of this course, the student should be able to:

  • make decisions as it applies to the roles of citizens, workers and consumers
  • apply the decision making model to maximize consumer satisfaction when buying goods and services
  • identify various forms of income and analyze factors that affect income as a part of the career decision making process
  • develop a budget and evaluate spending and savings plans.
  • evaluate savings and investment options to meet short and long-term goals
  • evaluate services provided by financial deposit institutions to transfer funds   
  • analyze factors that affect the choice of credit, the cost of credit and the legal aspects of using credit
  • analyze choices available to consumer for protection against risk and financial loss
  • identify various forms of taxes; analyze how they affect their financial status
  • analyze various form of wills and estate planning


  • Students are expected to come to class prepared with a pencil, pen, three ring binder/notebook and folder
  • There will be a Personal Finance book used that will be signed out and returned at the end of the school year
  • Throughout the course you will receive handouts that must be kept for the semester

Resource Materials, Textbooks, and Websites


Managing your Personal Finances, Joan S. Ryan, South-Western Cengage Learning, 2010 

Siebert, Muriel F., Personal Finance Program, Taking Control of your Financial Future, New York City Department of Education,

Knowledge Matters Personal Finance Simulation Software

Personal Finance Project Resource Book

St Louis Federal Reserve Bank -

Internal Training Services -

Students Introduction to Insurance

Your Personal Guide to Loans and Credit

Your checking Account


Semester Outline:

  1. Money & Income
  2. Budget & Planning
  3. Banks & Banking
  4. Credit & Bankruptcy
  5. Savings & Investing
  6. Protecting your Assets & Insurance
  7. Taxes


Student Assessment

Pre Assessment, rubrics, authentic, and performance-based assessment will be utilized throughout the semester. Assessments will consist of class work, homework, quizzes, and projects.

Tests/Projects@ 50%

Quizzes@ 30%

Homework/Class work @ 10%

Critical Thinking @ 10%


Personal Finance – Getting Started

  • àDetermine GoalsWhat Do I Expect?

    Attention to and participation in classroom discussions/exercises

    Every effort to assist others (and myself) in-group and individual leadership roles

    To have fun learning and exploring the world of Personal Finance

  • àClassroom Guidelines

    Cell Phones will not be out or used during class

    Respect for others work, time, equipment and software

    ►Adherence to LSM Responsible Use Policy

    ►Timely arrival to class

    ►Questions and suggestions to instructor are welcomed

    ►Stay seated until the bell rings; last period class shut down computers

  • àConsequences for Unacceptable Behavior

    ►Any intentional malicious acts, which damage equipment, hardware or corrupt software, will result in removal from class and an administrative referral

    ►Persistent and excessive interruptions during class will influence grades and could result in teacher detention or removal from class

    ►Persistent and excessive late arrivals will adhere to LSM school policy

  • àMake-up Work & Out of Class Work

►Pass in the office make-up sheet at the beginning of class; make arrangements with me for after school work


Failure to comply with these guidelines will result in a teacher or office detention.