Information about...

Serving New Jersey

Find your Cooperative Extension county office, your first stop for information and assistance in NJ.

Need More Help?

We have trained professionals in many different subject areas.

Was This Page Useful?

« Back to: The High School Financial Planning Program

HSFPP Revised Curriculum

Unit 1--Financial Planning: Your Roadmap

Overview: What Is Financial Planning? (A Five Step Plan)
Step One: Establishing Goals
Needs Versus Wants
Setting Goals
Timelines for Goals
Step Two: Analyze Information
Step Three: Create a Plan
Making Decisions
Putting It All Together
Step Four: Implement the Plan
The 3 R's of Money
Personal Financial Responsibility
Step Five: Monitor and Modify the Plan
What You've Learned in Unit 1
Action Steps

Unit 2--Career: Labor You Love

Overview: Work and Money
Your Career
What Employers Want
Making Money
After High School: Then What?
The Costs and Benefits of College Education
Other Education Options
Entrepreneurship
Becoming an Entrepreneur
Your Career and Your Financial Future
What Employees Want
Cost of Living
Starting a Family
What You've Learned in Unit 2
Action Steps

Unit 3--Budget: Don't Go Broke

Overview: What is a Budget?
Money Coming In
Reading Your Pay Stub
What's a W 4 for?
Money Going Out
Cash Management
Building Your Own Budget
P.Y.F. (Pay Yourself First)
Making the Most of Your Dollars
Cost/Benefit Analysis
What do You Spend Your Money On?
Other Tools To Help You Handle Your Cash
Transaction Services
The Envelope System
Record Keeping
What You've Learned in Unit 3
Action Steps

Unit 4--Savings & Investments: Your Money at Work

Overview: Savings? Investing? What's the Difference?
Why is Money Important?
Time Value of Money
Compounding
The Rule of 72
Key Investment Principles
Time
The Advantage of Starting Early
Risk and Return
Diversification
Inflation and Taxes
Savings and Investment Choices
Income Investments (Lenders)
Growth Investments (Owners)
Mutual Funds
What You've Learned in Unit 4
Action Steps

Unit 5--Credit: Buy Now, Pay Later

Overview: Credit 101
Credit Costs
Credit Benefits
Sources of Credit
Credit Cards
Installment Loans
Student Loans
Mortgages
Setting Limits on Credit
Comparing Credit Offers
Credit Reports
Your Credit Record
Credit Scoring
Debt
Rights and Responsibilities
How to Get out from Under Excessive Debt
Bankruptcy
What You've Learned in Unit 5
Action Steps

Unit 6--Insurance: Your Protection

Overview: Personal Risk
Insurance Basics
Keeping Your Costs Down
Auto Insurance
Coverage Amounts
Shopping for Auto Policies
Future Insurance Needs
Health Insurance
Property Insurance
Life Insurance
Disability Insurance
Liability Insurance
Your Insurance Plan
What You've Learned in Unit 6
Action Steps, Glossary, & Index
Portfolio Pages: My Personal Finance Portfolio