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pile of cash Your Personal Financial Survival Plan

Watch The Ascent of Money - this PBS program explains many causes and factors in the financial crisis

For many people, it feels like events are out of our control. You do not have to suffer all the whip-saw of this economic tsunami. Power can be derived from knowledge. We can make specific choices. We can develop a set of financial principles that will insulate us against the worst of this crisis and future ones. We can use these principles as a financial life vest. We may get wet, but we are unlikely to drown.

Create a personal financial plan.

As you watch the video:

checkmark Make note of the greatest risks in the financial system.

checkmark Make note of the greatest rewards in the financial system.

question mark Evaluate -

Are the economic rewards reaped by everyone?

Who gets the greatest rewards?

Who bears the risks?

Who bears the greatest risks?

How can you protect yourself from the risks?


question mark Banks

What is the difference between a credit union, a community bank and a national bank?

Are people required to keep their money in a bank?

Evaluate - What are the advantages and disadvantages of using a bank?


question mark Do some digging and discover:

What is the relationship between level of education and income?


Develop a set of personal principles regarding how you will use money and credit.

cross sign How much of your weekly income will you spend?

What strategies will you apply to your spending?

cross How much of your monthly income will you save?

What strategies will you use to achieve this?

cross How much of your monthly income will you loan to others?

cross What percentage of your monthly income will you obligate in debt?

cross Why will you pay off your credit card balance each month?



Money 101 - CNN | Managing Debt and Credit | Rebuilding your nest egg - Consumer Reports

U.S. Financial Literacy and Education Commission - | Personal Finance @

Federal Citizen Information Center of the U.S. General Services Administration

U.S. Department of Treasury | Federal Reserve

360 Degrees of Financial Literacy

Learn: Credit Card Facts Activity | Home Ownership - the positives and the negatives


Poll your class:

What percentage of your income will you save each month?

What percentage of your income will you spend each month?


"The number-one predictor of whether you will be successful in life is whether you graduate from high school. In today’s competitive global economy, effective education is more important than ever before." High School Dropout Prevention Report - America's Promise Alliance - #4 Effective Education


Chart Reading - Federal and State Budgets | Economic Policies of the U.S. Government | U. S. Civics - Salaries of elected officials

Government Integrity - Earmarks - PBL | Priorities - bridges or legislator's earmarks problem based learning project

Chart Reading: Uninsured in the USA - Who should pay? | USA Health Care Spending - What are the Priorities?

Hunger in America - What is the priority? | Energy Plan and Its impact on you | Who gets the money from fines?

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posted 1/2009, In the spirit of Ben Franklin who wrote, "A penny saved is a penny earned." - released to public domain by Cynthia J. O'Hora

Aligned with the following Pa Academic Standards - Reading, Writing Speaking, History, Civics and Government, Mathematics, Science and Technology, Aligned with the National Standards for Civics and Government

tree icon Save a tree - use a Digital Answer Format - Highlight the text. Copy it. Paste it in a word processing document. Save the document in your folder. Answer on the word processing document in an easily read, contrasting color or font. (Not yellow ) Avoid fancy fonts like: Symbols, Techno, blakmore fancy font fonts). Save frequently as you work. I have never liked losing my work. You will not like it either. Be sure to enter your name & the date at the top of the document in a header. Submit via email attachment or class dropbox. Bad things happen: Save a copy of the response document for your records.

Proof your responses. It is funny how speling errors and typeos sneak in to the bets work. smiling icon Make your own printer paper answer sheet