Table of Contents Session 1 — Getting Started What Kind of Spender Are You?

2. Table of Contents • Session 1 —Getting Started • What Kind of Spender Are You? • Wants vs. Needs — Creating Good Spending Habits • Avoiding Budget Killers • Session 2—Differentiating Between Wants and Needs • Setting Goals • Savings Tips • Family Spending List • Session 3—Creating a Spending Plan (Budgeting and Saving) I • Sample Family Budget • Gross Pay and Net Pay • Understanding a Paystub • “Pay Yourself First” • Questions for Banker • Session 4—Creating a Spending Plan (Budgeting and Saving) II • Guest Speaker — Banker • Learn to Live on a Budget • Visit a Bank or Credit Union • Session 5—Creating a Spending Plan (Budgeting and Saving) III • You Have to Make Money to Spend Money Work Sheet — Job Ideas • Session 6—Life Store • Participate in the Life Store • Session 7—Checking Accounts, Saving Accounts, Debit Cards I • How Do Your Parents Bank? • Discuss Visit a Bank or Credit Union Activity • Checking and Savings Accounts • Filling Out a Check • Paying Bills with a Check • Session 8—Checking Accounts, Saving Accounts, Debit Cards II • Filling Out a Check Register • Balancing a Checkbook • Debit Cards Are Not Credit Cards • Online Banking and EFT

3. Table of Contents • Session 9—Borrowing and Credit Cards • A Loan Is Money You Have to Pay Back • A Credit Card Is Just Like a Loan • Interest Adds to the Cost of Items Purchased with a Credit Card • Discover Iowa Colleges • Session 10—Financial Aid for College • College Costs — Direct and Indirect • Discuss Find College Costs Work Sheet • Understanding College Costs and Financial Aid • Questions for Returning Graduate • Session 11—College and Career Planning I • Guest Speaker — Recent Graduate • Find the Right Fit for You Work Sheet • Session 12—College and Career Planning II • College Can Mean Different Things to Different People • Discuss Find the Right Fit for You Work Sheet • Review College Brochures • Certificates of Completion