Kennebunk Savings U Lessons

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Financial Education for High School Students

The following lessons from the ABAEF's Teach Children to Save are designed for high school students. Exercises and activities are geared to help provide a stronger understanding of financial subjects ranging from: safety and security of money, financial decision making, as well as credit and debit information.

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Grades 9 - 10

  • Excuses, Excuses (Decision Making) 40 min.

    Students learn the importance of saving money early and often and that making excuses for not saving is a poor idea. Students will help develop a story about people who fail to save money at various stages of their lives and learn the consequences of such poor decisions.

    Objectives Students will be able to:

    • Identify common excuses people give for not saving money at various life stages.
    • Explain the importance of saving early and often.
    • Explain the value of having savings goals.

  • Lesson B: Park Your Savings (Saving) 40 min.

    Students learn what information is needed when applying for a car loan and understand the factors influencing lending. Students will categorize questions as “on the application” or “not” and discuss as a group the reasoning. The lesson teaches students why having money saved is a factor in lending, as well as why certain questions cannot be asked for legal reasons. In the end, students determine whether they think they are creditworthy.

    Objectives Students will be able to:

    • Identify questions typically asked on a car loan.
    • Explain why the bank needs certain information in order to decide whether to loan them money.
    • Assess their likelihood of being approved for a loan based on their current financial status.

  • But That’s My Balance (Basics of Banking) 40 min.

    Students learn why the amount shown as their balance at an ATM might not be a true reflection of what is actually in their account.

    Objectives Students will be able to:

    • Tell the difference between a debit, ATM, and credit card.
    • Explain why the balance shown at an ATM may be different from the balance in their record.

Grades 11 - 12

  • Headline News (Current Events) 40 min.

    Students will read news stories and determine the financial repercussions of events.

    Objectives Students will be able to:

    • Recognize the financial effects of various situations.
    • Create an original headline with a financial component for a current news article.
    • Summarize how a financial plan could mitigate the negative impact of unexpected events.

  • Easy Come, Easy Go (Spending vs. Saving) 40 min.

    Students will examine ways teens spend money on items that won’t last such as food and entertainment. They will hear a story about a young person who spends all of his money without realizing it. Students calculate the long-term costs of daily indulgences and consider how cutting back on frivolous spending could add up to significant savings in the long-term.

    Objectives Students will be able to:

    • Recognize wasteful spending habits.
    • Predict the amount of money potentially saved during a set period by altering spending habits.
    • Assess the environmental impact of certain spending decisions.

  • Credit Connection (Credit) 40 min.

    Students are taught having good credit can save them money over time.

    Objectives Students will be able to:

    • Contrast the financial impact of a good credit score to that of a poor credit score.
    • Explain the long-term ramifications of a good credit score on the cost of using your money.

  • Your Digital Dollar (Safety/Security) 30 min.

    Students learn about the features and uses of digital banking (online and mobile), as well as ways to practice safe digital banking.)

    Objectives Students will be able to:

    • Become familiar with the user interfaces of an online and mobile bank account.
    • Discover the features and uses of online and mobile banking, including: alerts, transfers and balance inquiries.
    • Identify safe ways for utilizing online and mobile banking, including: setting secure and private passwords, logging out of their account on a pc or cell phone.

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