Description: Foundations in Personal Finance is designed to teach students how to stay out of debt and use money as a blessing. We will use this Dave Ramsey curriculum to learn in a hands on way how to prepare for our future. Each chapter is presented in video form. Dave creatively weaves in humor and real-life stories that educate and reinforce sound principles of managing money. Along with the video, students will have a workbook to complete as well as several hands on assignments.

Unit 1: Saving and Investing

• Chapter 1: Savings
• Chapter 2: Understanding Investments
• Chapter 3: Wealth Building and College Savings

Unit 2: Credit and Debt

• Chapter 4: Dangers of Debt
• Chapter 5: Consumer Awareness
• Chapter 6: Credit Bureaus and Collection Practices

Unit 3: Financial Responsibility and Money Management

• Chapter 7: Budgeting 101
• Chapter 8: Bargain Shopping
• Chapter 9: Relating with Money

Unit 4: Insurance/Risk Management and Income/Careers

• Chapter 10: Careers and Employment Taxes
• Chapter 11: Ins and Outs of Insurance
• Chapter 12: Real Estate and Mortgages

Bonus Chapter

• Chapter 13: The Power of Giving

In The Power of Giving—an optional supplemental chapter—Dave teaches students why giving is an important aspect of a healthy lifestyle.

Tutor: Heather Horn received her B.A. and M.A. in Education from Concordia University, St. Paul. She taught three years in the public school system before beginning her own educational business. She has been home schooling and tutoring students pre-kindergarten through college level for the past twelve years. Her business, Individual Education, provides students with a one-on-one learning environment that meets individual learning needs.

Level:  Grades 10-12
Prerequisite: none
Homework:  1-2 hours per week
Text: (To be purchased by the tutor) Financial Peace for the Next Generation
Supplies: $TBD for the text and handouts