Iowa FCCLA
Financial Fitness
Peer Education Team
Training
2012-2013
Iowa Association
Family, Career and Community Leaders of America
PO Box 1084, Ankeny, IA 50021
www.iafccla.org
Our mission is to promote personal growth and leadership development through family and consumer sciences education.
Iowa FCCLA Peer Education: 2012-2013
Peer Education is a state-wide peer-to-peer learning program. Iowa features four different teams: Families First, Financial
Fitness, Public Relations, and Student Body.
Each middle level and senior level affiliated chapter may submit up to three teams (up to 9 members) per each state peer
education team. Teams can be made up of one, two, or three members.
Each team is led by their respective vice president.
Vice President of Families First: Shelby Blomberg, shelby.blomberg@iafccla.org
Vice President of Financial Fitness: Jeannie Schleip, jeannie.schleip@iafccla.org
Vice President of Public Relations: Raeann Hanlon, raeann.hanlon@iafccla.org
Vice President of Student Body: Erin Edge, erin.edge@iafccla.org
New this year! Each vice president will lead their team’s training in a breakout session at Fall Leadership Rally!
Iowa FCCLA highly suggests that Peer Education Team Members attend Fall Leadership Rally on October 8th to meet their Vice
President and receive training face-to-face. If members are unable to attend, videos of each presentation will be posted for
members to watch. Each member participating in Peer Education must register to be on a Peer Education Team by Friday,
September 28th. When registering for Fall Leadership Rally, advisers will be able to sign up their Peer Education Members for
their trainings.
Each member on each peer education team is to complete 3 projects throughout the year. The first project will be the team’s
required ‘focus’ project.
Deadline for Project #1: November 2nd; Deadline for Project #2: December 21st; Deadline for Project #3: February 22nd
To submit your project, you will log onto the Iowa FCCLA Website at www.iafccla.org. Go to the Peer Education tab under
Programs. Find your team’s link, fill out the form, print a copy for your records and hit submit!
When submitting projects, each team (whether that be teams of 1, 2, or 3 members) will submit one project report.
Here are the questions you will answer each time:
In detail, describe your project: who? What? When? Where? Why? How many audience members were reached through your
project? Identify the issue or community concern you addressed through your project. How did you identify this issue or
concern or what questions did you want to answer? How did you use your FCCLA Planning Process? Was your project
successful? What would you change if you did this project again?
Audience, Dress Code, and Project Formats
Your goal as a peer educator is to educate your peers when presenting your project. Examples such as middle school classes,
high classes, youth groups, 4H clubs, and district meetings! When presenting your project, you should wear a red FCCLA shirt or
polo unless your project fits into a theme. Types of project formats include newspaper articles, speeches, games, powerpoints,
videos, posters, and brochures.
By successfully participating in Peer Education, you can earn an award at State Leadership Conference.
Award of Excellence: complete three projects including the focus project and submit by each deadline
Award of Participation: complete three projects including the focus project
Certificates and pins (if applicable) will be mailed to team members if they do not attend SLC.
Financial Fitness
Goals and Units
Financial Fitness is…
a national FCCLA peer education program through which young
people learn to make, save, and spend money wisely.
Its goals are to…
 Inform and inspire teens to sharpen their skills in money
management, consumerism, and financial planning
 Create a national network of young people who u se teen-to-teen
communications to share information
 Provide teenagers with an opportunity to develop communication
and leadership skills by being peer educators
Financial Fitness Units
Each youth-created Financial Fitness project
relates to one of the following five units:
Banking Basics
Conquer bank accounts, credit, and
investments
Cash Control
Track and plan personal spending
Making Money
Sharpen on-the-job financial fitness
Consumer Clout
Become a savvy spender
Financing Your Future
Apply financial skills to real life
F I N A N C I A L
F I T N E S S
Banking Basics
A Financial Fitness unit to help young people conquer
bank accounts, credit, and investments
Financial institutions play an important role in most Americans’ lives—you can
bank on it! Financial institutions are businesses that offer you a place to keep
your money. Banks, credit unions, savings and loans, and thrifts are types of
financial institutions. (Financial Fitness uses the word “bank” to refer to all types
of financial institutions.) Credit cards, debit cards, and investments are other
basic financial tools.
Through projects in the “Banking Basics” unit, young people learn how to use all
these tools to build personal finance skills.
Topics You Might Address Through
“Banking Basics” Projects
On the list below, check the project areas that interest you and that fit the needs
of other young people around you. Add your own ideas on the blank lines.
Then, circle your top three interests/concerns. If working in a group, first write
down each person’s top three interests/concerns. Discuss these options, then
circle the group’s top three interests/concerns.
❑ types of financial institutions and benefits of
using them
❑ how to choose a financial institution
❑ bank fees
❑ banking vocabulary
❑ how to choose a bank account type
❑ how to use checking and savings accounts
❑ how to use an ATM
❑ financial software and online banking
❑ benefits of saving and how to commit to a
savings schedule
❑ how interest works
❑ investment vocabulary
❑ short- and long-term investments
❑ careers with financial institutions
❑ ____________________________________
❑ ____________________________________
❑ ____________________________________
© Family, Career and Community Leaders of America, Inc.
■
National FCCLA
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www.fcclainc.org
REPRODUCIBLE
F I N A N C I A L
F I T N E S S
Cash Control
A Financial Fitness unit to help young people track
and plan personal spending
Does your money have wings? One of the first steps to reaching financial goals
is to take control of your money. It’s all about choices. How will you make
money? How will you spend money? How will you hold on to money today so
you can have what you want tomorrow?
Through projects in the “Cash Control” unit, young people learn how to master
their money—without letting it master them!
Topics You Might Address Through
“Cash Control” Projects
On the list below, check the project areas that interest you and that fit the needs
of other young people around you. Add your own ideas on the blank lines.
Then, circle your top three interests/concerns. If working in a group, first write
down each person’s top three interests/concerns. Discuss these options, then
circle the group’s top three interests/concerns.
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REPRODUCIBLE SHEET
tips to track personal spending
how to figure income
how to figure expenses
ways to increase income and decrease expenses
the “pay yourself first” rule
understanding credit
how to use credit wisely
tips to build a good credit rating
credit cards available to youth
how to guard against identity theft
online spending
importance of financial goals
how to create a financial plan
ways to follow a financial plan
costs to own and operate a car
FCCLA chapter budget management
careers in financial management
____________________________________
____________________________________
____________________________________
© Family, Career and Community Leaders of America, Inc.
F I N A N C I A L
F I T N E S S
Making Money
A Financial Fitness unit to help young people
sharpen on-the-job financial fitness
Almost every young person makes money somehow—from an allowance, by
providing child care or doing odd jobs, from a part-time job, or as a young
entrepreneur (business owner). Before spending all that income, however, it’s
important to know how much you get to keep after deductions for taxes or
business expenses.
Through projects in the “Making Money” unit, young people explore job-related
financial realities.
Topics You Might Address Through
“Making Money” Projects
On the list below, check the project areas that interest you and that fit the needs
of other young people around you. Add your own ideas on the blank lines.
Then, circle your top three interests/concerns. If working in a group, first write
down each person’s top three interests/concerns. Discuss these options, then
circle the group’s top three interests/concerns.
❑ how to make money by providing services like
child care or lawn maintenance
❑ how working influences school performance
❑ best and worst parts of jobs
❑ evaluating a job offer
❑ wages
❑ take-home pay
❑ how to manage a paycheck
❑ taxes
❑ how to fill out tax forms
❑ creating a business plan
❑ setting up a business
❑ financial aspects of running a business
❑ ____________________________________
❑ ____________________________________
❑ ____________________________________
© Family, Career and Community Leaders of America, Inc.
■
National FCCLA
■
www.fcclainc.org
REPRODUCIBLE
F I N A N C I A L
F I T N E S S
Consumer Clout
A Financial Fitness unit to help young people
become savvy spenders
Young people have tremendous buying power. From personal entertainment to
families’ basic needs, youth influence all kinds of consumer transactions. It’s
important to know how to get the most for your money!
Through projects in the “Consumer Clout” unit, young people learn to make wise
buying decisions and understand consumer rights and responsibilities.
Topics You Might Address Through
“Consumer Clout” Projects
On the list below, check the project areas that interest you and that fit the needs
of other young people around you. Add your own ideas on the blank lines.
Then, circle your top three interests/concerns. If working in a group, first write
down each person’s top three interests/concerns. Discuss these options, then
circle the group’s top three interests/concerns.
❑ how to determine the best sale price
❑ what makes certain brands more popular than others
❑ how advertising influences buying decisions
❑ how peers influence buying decisions
❑ definition of “value”
❑ definition of “quality”
❑ comparison shopping
❑ personal style on a budget
❑ consumer rights
❑ consumer responsibilities
❑ how to submit a consumer complaint
❑ factors to consider in making a charitable contribution
❑ how to evaluate a major purchase
❑ careers in consumer services and consumer and
family resources
❑ ____________________________________
❑ ____________________________________
❑ ____________________________________
© Family, Career and Community Leaders of America, Inc.
■
National FCCLA
■
www.fcclainc.org
REPRODUCIBLE
F I N A N C I A L
F I T N E S S
Financing Your Future
A Financial Fitness unit to help young people
apply financial skills to real life
The financial habits that young people build now can carry them through a
lifetime. One of the best ways to build financial security is to start early. By
setting goals and establishing habits now, you can increase the likelihood of
living the life you want in the future.
Through projects in the “Financing Your Future” unit, young people explore ways
to use their personal finance skills to build a bright future.
Topics You Might Address Through
“Financing Your Future” Projects
On the list below, check the project areas that interest you and that fit the needs
of other young people around you. Add your own ideas on the blank lines.
Then, circle your top three interests/concerns. If working in a group, first write
down each person’s top three interests/concerns. Discuss these options, then
circle the group’s top three interests/concerns.
❑ contributing to current family finances
❑ costs to live as an independent teen with no family
support
❑ budget for the first year after high school
❑ paying for after-high school education
❑ types of insurance
❑ goals and the time value of money
❑ expenses of single adults vs. those of married couples
❑ costs of having a baby
❑ costs of raising a child
❑ how financial challenges affect families
❑ money issues in marriages
❑ financial costs of divorce
❑ housing options and costs
❑ how career and lifestyle choices affect personal finances
❑ careers in financial services
❑ ____________________________________
❑ ____________________________________
❑ ____________________________________
© Family, Career and Community Leaders of America, Inc.
■
National FCCLA
■
www.fcclainc.org
REPRODUCIBLE
Iowa Association
Family, Career and Community Leaders of America
PO Box 1084, Ankeny, IA 50021
www.iafccla.org
Our mission is to promote personal growth and leadership development through family and consumer sciences education.
Financial Fitness Peer Education Projects
Required Project:
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Your project involves teaching others how to form a budget plan for personal purposes.
The personal purpose for your budget plan is going to be budgeting for a school dance or other school
activity (i.e. graduation party, prom)
An example is provided in the packet
This project will be due by the November due date
Once you are finished submit the project form online
Project Ideas:
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Financing a:
o Car
o House
o Student Loan
o RVs
o Boats
Shopping Online
o Or using a credit card in a store
Explaining ‘needs’ and ‘wants’
o how using credit cards affect that
o budgeting
What is a credit card?
Credit Card Debt
Ways to Finance your future
Bank Loans
Checking and Savings accounts
Pet Expenses
o Financing for a pet
Budgeting for a special event
Investments and Stocks
Your first job
o Hourly wage and benefits
Budgeting for a Life Event
Event: School Dance
Allotted Budget: $175
Expected Expenses:
Hair Appointment
Nails
Dress
Shoes
Jewelry
Actual Expense:
$45
$20
$80
Borrowed from a friend!
Borrowed from a friend!
Total Spent: $145
+/- Budget: +$30
Budgeting for a Life Event
Event: School Dance
Allotted Budget: $200
Expected Expenses:
Tuxedo
Shoes
Flowers
Dinner
Dance Tickets
Total Spent: $180
+/- Budget: +$20
Actual Expense:
$100
$25
$30
$20
$5
HOME
PRINT
EXIT
FCCLA Planning Process Worksheet
IDENTIFY CONCERNS
SET A GOAL
FORM A PLAN
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who
what
where
when
why
how
ACT
FOLLOW UP
What could
have gone
better/what
did you
learn?
© Family, Career and Community Leaders of America, Inc.
■
www.fcclainc.org
REPRODUCIBLE