EPC School District
Spring Semester
Personal and Family Finance
Grade 9-12
Frameworks
Subject: Personal and Family Finances
Concepts
January
Life Goals and Decisions
Unit 1 Life
Goals and
Decisions 1.1,
1.2, 1.3, 1.4,
1.5
Vocabulary
Decision making process
Factors which influence decisions
SMART goals
Timeframe:
5 Class periods
February
Preparing to Earn
Unit 2
2.1, 2.2, 2.3,
2.4, 2.5, 2.6,
2.7
Vocabulary
Choosing a career
Specific job selection
Locating and applying for a job
The interview
Work related forms
Careers in Personal and Family
Finance
Timeframe
10 class
periods
CURRICULUM MAP
Teacher
Linda Masters
Semester Course
Skills
Activities
The student will be able to:
 Match terms to definitions
 Apply the 6 steps in the
decision-making process
 Discuss how factors can have
a positive or negative
influence on decisions
 Analyze immediate and
future consequences of
decisions
 Set a short-term and longtern goal using SMART
method
FEFE "Setting
Financial Goals"
The student will be able to:
 Match terms to definitions
 Complete and interest
inventory
 Compare job offers for
benefits, time, income
 Complete a job search in
areas of interest
 Complete a job application;
cover letter, resume, and
follow up letter
 List attributes that will make
1.1.6 Interest
Inventory
Assessments
Class Participation
Unit test
1.17.4Value Auction
Collage using rubric
1.17.1 A Collage
about Me
Goal setting process using
SMART method
FEFE 1.30.0.B1 Career
Development and Life
Cycle Spending
1.1.2 Career Research
Class participation
1.1.9 Invest in
Yourself
1.1.3 Comparing Job
offers
Usage of correct
vocabulary when speaking
and writing
Completes forms accurately
FCCLA- Financial
EPC School District
Spring Semester
Personal and Family Finance
Grade 9-12
Frameworks
CURRICULUM MAP
Subject: Personal and Family Finances
Semester Course
Concepts
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March
Understanding Your Paycheck
Unit 3
3.1, 3.2, 3.3,
3.4, 3.5
Vocabulary
Methods of payment
Analyze paychecks and pay stubs
Payroll taxes
Filling taxes
Timeframe:
5 class periods
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Financial Planning and Banking
Skills
a positive impression during
a job interview
Complete W4, I 9, and
Medical and life insurance
forms
Summarize skills needed to
be successful in field of
interest
The student will be able to:

March
Teacher
Linda Masters
Match terms to definitions
Chart the pros and cons of
each payment method
Label the parts of a paycheck
and paycheck stub
Calculate tax deductions
from sample paycheck stub
Name records that should be
kept for income tax purposes
Complete a 1040-E-Z
The student will be able to:
Activities
Fitness making
Money and Cash
Control Units
Assessments
Role play an interview
Complete forms
FEFE: Understanding
your paycheck and
Tax Forms 1.13.1
Class participation
Tax forms filled out with
accuracy
Unit test
FEFE: 1.15.3
FEFE Paycheck and saving
EPC School District
Spring Semester
Personal and Family Finance
Grade 9-12
Frameworks
CURRICULUM MAP
Subject: Personal and Family Finances
Semester Course
Concepts
Unit 4
4.1, 4.2, 4.3,
4.4, 4.5, 4.6,
4.7
Timeframe:
15 class
periods
Vocabulary
Financial Plans
Spending Plans
Services of Financial institutions
Opening checking accounts
Check and Checkbook register
Reconcile register
Saving vs. spending
Rule 72
Income and growth investments
Teacher
Linda Masters
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Skills
Match terms to definitions
Develop a financial plan.
Prepare a monthly spending
plan
Compare services of various
financial institutions
Complete forms to open a
checking account
Complete a check and check
register entry
Reconcile a checkbook
register
Compare savings versus
investing
Use rule of 72 to compare
return versus risk
Differentiate between
income and growth
investments
Activities
Introduction to
Spending plans
Assessments
Plans 1.30.0.B2
FEFE Savings 1.30.3.B3
1.15.2 Developing
spending plans
1.14.1 Introduction to
Savings
FEFE Investing 1.30.0.B4
Accuracy of all calculations
Class participation
1.14.5 Time Value of
Money
Written and oral response
to questions
1.14.3 Rule of 72
1.14.2 Managing Your
Cash
1.14.4 Savings
Terminology
1.12.2 Language of
the Stock Market
April
Insurance
The student will be able to:
 Match terms to definitions
Complete a project
form the FCCLA
Class participation
EPC School District
Spring Semester
Personal and Family Finance
Grade 9-12
Frameworks
Unit 5
5.1, 5.2, 5.3
Timeframe:
5 Class periods
CURRICULUM MAP
Subject: Personal and Family Finances
Concepts
Vocabulary
Insurance types
Insurance premiums
Needs throughout the life cycle
Semester Course
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April
Credit
Unit 6
6.1, 6.2, 6.3,
6.4, 6.5, 6.6,
6.7, 6.8, 6.9,
Vocabulary
Advantages of credit
Disadvantages of credit
Credit sources
Credit applications
Credit ratings
5 C's of credit
Schumer box
Credit card statements
Identity theft
Credit reports
Timeframe:
10 class
periods
Teacher
Linda Masters
Skills
Match coverage with
insurance type
Compare cost of premiums
to amount of coverage
received
Chart insurance needs for
each stage of the life cycle
The student will be able to:
 Match terms to definitions
 Evaluate the advantages and
disadvantages of credit using
scenarios
 Analyze the advantages and
disadvantages of various
credit sources
 Complete a sample credit
application
 Analyze situations that affect
credit ratings. Including the
5 C's of credit
 Compare credit card offers
using information in the
Schumer box
 Locate information on a
credit card statement
 Create a plan to reduce or
eliminate debt
Activities
Financial Fitness,
Financing Your
Future unit
Assessments
Unit Test
Chart assignment using
rubric
FEFE:
1.10.1 Types of
Insurance
FEFE:
1.4.3 What is credit
1.4.1 Selecting a
Credit Card
1.4.2 Understanding
Credit Reports
1.3.1 Identity theft
FEFE:
1.30.0B9 Consumer
Protection and Insurance
1.30.0.B8 Credit
Class Participation
Visual created for Identity
Theft Project using rubric
Unit test
Usage of technical words in
written form
Create a visual to
inform others of ways
to avoid becoming an
identity theft victim.
Referencing FCCLA
EPC School District
Spring Semester
Personal and Family Finance
Grade 9-12
Frameworks
CURRICULUM MAP
Subject: Personal and Family Finances
Teacher
Linda Masters
Semester Course
Concepts
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Skills
Compile a list of sources of
personal information and
how others can use it
fraudulently
Analyze scenarios and
suggest ways to prevent
identity theft
List resources available to
obtain your credit report
List the steps to follow when
fraudulent activity occurs
Describe ways to correct
mistakes found on your
credit report
Activities
Financial Fitness
project in Cash
Control Unit
Assessments
April
Consumer Skills
Unit 7
7.1, 7.2, 7.3,
7.4, 7.5, 7.6,
7.7
Timeframe 10
class periods
Vocabulary
Letter of complaint
Advertisement
Calculations using financial
calculator
Unit pricing
Warranties and contracts
The student will be able to:
 Match terms to definitions
 Write a letter of complaint
 Analyze various types of
advertisements
 Calculate the price of an item
on sale
 Calculate the final cost of an
item, including sales tax
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Demonstrate comparison
shopping techniques
Compare products using unit
pricing
Complete FCCLA
Financial Fitness
project in Consumer
Clout Unit
FEFE:
Class participation
Unit Test
Accurate use of calculator
1.8.1 An Evaluation of Research project
Convenience
Activities using a
financial calculator
FEFE 1.6.1F1
Guest Speaker
EPC School District
Spring Semester
Personal and Family Finance
Grade 9-12
Frameworks
CURRICULUM MAP
Subject: Personal and Family Finances
Semester Course
Concepts


May
Housing and Transportation
Unit 8
8.1, 8.2, 8.3,
8.4, 8.5
Vocabulary
Renting, Leasing and Buying
Types of home loans
Calculation of home loans
Choosing transportation
Purchasing a vehicle
Calculation of transportation loans
Timeframe:
10 class
periods
Teacher
Linda Masters
Skills
Research product using
consumer magazines and
websites
Analyze a warranty and a
contract
The student will be able to:
 Match terms to definitions
 Chart advantages and
disadvantages of renting,
leasing, and buying housing
 Compare various types of
home loans
 Calculate the final cost of a
home, including interest for
the life of the loan
 Examine and analyze a
sample lease
 Compare choices available
for obtaining transportation
 Examine methods of
purchasing a vehicle
 Calculate the final cost of
purchasing and maintaining a
vehicle
Activities
Assessments
FEFE:
1.9.3 Renting VS.
Owning a Home
Housing 1.30.3.B4
1.9.5 Understanding
Housing Leases
Class Participation
1.16.3 What's the Best
Deal: Shopping or an
automobile loan.
1.16.1 Automobile
Insurance
1.16.2 Researching an
Automobile
Guest Speaker
Transportation 1.30.0B6
Semester Course Final
Exam
FEFE "Life in…" 3.18.0