Financial Foundations Session Topics
Financial foundations include six modules, each 60-90 minutes, for a wide variety of age groups. Modules are taught by Financial Beginnings’ trained volunteers and include:
Banking
Banking is important to understand because participation in banking services is typically one’s first exposure to the financial world. Most often we depend on banks and credit unions to safeguard our money so it is helpful to understand how keeping our money in a bank or credit union can be beneficial. In this section we introduce financial institutions, how they work, and how students can utilize them in managing their money.
Budgeting
Budgeting is the foundation of personal financial planning. Budgeting allows us to manage our money by tracking our income and expenses. Since every person is different it is important to know how to create a budget that can be used for our own specific needs.
Credit
In today’s economic society it would be rare to not use credit to pay for things such as online or large purchases, car repairs or in an emergency situation. Credit can be an overwhelming topic, but understanding credit is critical in responsible management of one’s finances. Armed with a few key concepts, however, student can successfully manage their credit in a proactive way.
Investing
Investing is an excellent way to build wealth and achieve your financial and life goals. The Investing section of this guide and accompanying classroom session will help students to understand the key concepts of investing.
Risk Management
Many times individuals feel that they are paying money into insurance policies, but not getting their fair share back. This is not how insurance should be viewed. Purchasing insurance is a way to manage risk.
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