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Downloadable Student and Instructor Guides:

Money Management: Cash Flow, SMART Goals, Decision Making, Creating a Spending Plan & Maintaining a Positive Cash Flow

Student Workbook: Money Management

Instructor Guide: Money Management


Borrowing: Using Credit, Credit Costs, Credit Rating, Borrowing Rights & Identity Fraud

Student Workbook: Borrowing

Instructor Guide: Borrowing


Earning Power: Invest in Yourself, Job Benefits and Options, Pay and Taxes, Lifestyle & Plan for Change

Student Workbook: Earning Power

Instructor Guide: Earning Power


Investing: Putting Savings to Work, How Investing Works, Choosing Investments & Investing Strategy

Student Workbook: Investing

Instructor Guide: Investing


Additional Resources:

Below are links to other credible sites containing financial education material and curriculum for all ages at no cost:
Foolproof Me-Florida (Financial Literacy and Consumer Life Skills Taught by Young People)
WiseBread – Living Large on a Small Budget

Free Credit Report

This site is owned by Experian, one of the three major U.S. credit bureaus. Visitors can get a free credit report from the site.

Improving Your Credit ScoreLearn what impacts your credit score and ways to improve it. – Access your credit report (no credit card required).

You may also search the National JumpStart Coalition Clearinghouse for financial education resources for educators, students and parents. 

Spanish Resources:

Biz Kids – Spanish
Next Gen Personal Finance – Spanish (sign up for a free teacher account and then choose the Spanish course option)
Money Smart – Spanish This is FDIC’s Money Smart program and it is in Spanish! They even have webinars coming up on how to present the material (train the trainer) and everything is free…excellent quality for high school and adults.
Smart About Money – Spanish Articles