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On December 10, 2020, co-hosts Todd Bonheyo and MaryEllen Graham were back at it for their second webinar in CSD Learns’ Best Practices of Financial Education Series. Joined by guest-panelist Daniel Heinze, a middle school and high school math teacher at New Mexico School for the Deaf, the three discussed the advantages and challenges of teaching personal finance in an in-person classroom versus a virtual one.
Topics covered included ASL vocabulary for financial terminology, as well as how to engage students in a virtual realm without traditional “hands-on” activities. The group also shared their thoughts and experiences about the general transition process from-in-person to remote learning due to the pandemic.
Want to see what they have to say? Watch a recording of the webinar here:
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You can find links and explanations to all of the resources that were shared below.
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Your students have probably already been asked “what do you want to be when you grow up.” Salary.com is a great way for them to find out what compensation they can expect if they pursue their dream job. Having an understanding of what they can make annually can help put other costs, like college or rent, into perspective.
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Trulia and Realtor.com
Homeownership and rental costs make up a large portion of a personal budget, but not many students have a grasp on how much different living situations cost. Have your students explore realty websites to get a better handle of how many different types of homes, in different areas cost. You can even take it up a notch by having them compare living costs with the salaries they looked up on salary.com!
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Did you know that 65% of Americans don’t know what they spent last month? According to a survey done by mint.com, only 2 out of 5 Americans could tell you exactly what they spent in the previous thirty days. Making and sticking to a budget takes discipline – and practice.
Budgetchallenge.com provides a two-month financial literacy program that you can use with your students to teach about emergency funds, bills, debt, and more.
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Opportunities for financial education are everywhere. Whether it's figuring out whether to buy your food in bulk, understanding what impact a car loan will have, or setting up a savings account, your students will need to have a solid grasp on their finances. Setting up virtual or in-person field trips to these staple locations are a great opportunity for your students to learn more about their everyday finances. Here are some great examples of places you can work with, and what your students can learn from them:
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Many students dream of owning their own car. As a large purchase, they likely won’t have much experience with it before they purchase their first one. Contact your local auto dealership to see if they can explain the finances that surround an automobile purchase, including things like:
Insurance: How much is insurance? Where do you get it? What impacts your rate?
Car Loan: What’s a good rate? How can you get one? How does interest factor in?
Kelly Blue Book: What resources can you use to make sure you’re getting the best deal? What should you be looking for in cost and capabilities?
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Spice up your financial education classes with photos of a beach paradise, mountain hideaway, or energetic city. Traveling includes a lot of separate costs, but is extremely motivating. A field trip with a travel agency is a great way to teach your students about saving for, and spending on, a trip of a lifetime. Your guest presenter could cover things like managing costs for:
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Daniel recommends taking your virtual class on the move. For one financial education lesson, he traveled to his local home improvement store, showed his students different products and asked them to create the budget for a fictional home improvement project in their living spaces. Through this field trip, his students were able to figure out cost for area/volume, and see what goes into creating a budget for house projects.
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Have you ever justified buying more because of a great sale? Don’t worry, it happens to all of us. BOGO deals are designed to get consumers to spend more. Take a field trip to your local big box store to teach your students about discounts and percentages.
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Are your students prepared to determine whether it’s better to buy a product in bulk? Take them on a virtual field trip to a grocery store and work through your decision-making processes with them. Grocery shopping is something that everyone will need to do at some point in their lives, so this is a great real-life lesson for students to learn sooner, rather than later.
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It’s never too early to start saving. A trip to the bank is a perfect opportunity to teach your students about what it takes to open an account, how to allocate savings, manage a checking account and more. You can even ask a banker to talk more about building credit and what to look for when taking out loans.
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Looking for books to supplement your financial education courses? Daniel has three strong recommendations.
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Michele Cagan
An inexpensive, fun, and visual guide for everything you need to know about managing your personal finances.
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Joan S. Ryan and Christie Ryan
This textbook gives your students an overview of financial topics that will impact them throughout their lives, like budgeting, identity theft, savings, and more.
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Kathleen Harmeyer
The Consumer Mathematics textbook provides lessons on basic math skills that are used in grocery shopping, managing a household, and other everyday life activities.
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