2. Table of Contents Session 1 — Getting Started What Kind of Spender Are You? Wants vs. Needs — Creating Good Spending Habits Avoiding Budget Killers Session 2 — Differentiating Between Wants and Needs Setting Goals Savings Tips Family Spending List Session 3 — Creating a Spending Plan (Budgeting and Saving) I Sample Family Budget Gross Pay and Net Pay Understanding a Paystub “Pay Yourself First” Questions for Banker Session 4 — Creating a Spending Plan (Budgeting and Saving) II Guest Speaker — Banker Learn to Live on a Budget Visit a Bank or Credit Union Session 5 — Creating a Spending Plan (Budgeting and Saving) III You Have to Make Money to Spend Money Work Sheet — Job Ideas Session 6 — Life Store Participate in the Life Store Session 7 — Checking Accounts, Saving Accounts, Debit Cards I How Do Your Parents Bank? Discuss Visit a Bank or Credit Union Activity Checking and Savings Accounts Filling Out a Check Paying Bills with a Check Session 8 — Checking Accounts, Saving Accounts, Debit Cards II Filling Out a Check Register Balancing a Checkbook Debit Cards Are Not Credit Cards Online Banking and EFT

3. Table of Contents Session 9 — Borrowing and Credit Cards A Loan Is Money You Have to Pay Back A Credit Card Is Just Like a Loan Interest Adds to the Cost of Items Purchased with a Credit Card Discover Iowa Colleges Session 10 — Financial Aid for College College Costs — Direct and Indirect Discuss Find College Costs Work Sheet Understanding College Costs and Financial Aid Questions for Returning Graduate Session 11 — College and Career Planning I Guest Speaker — Recent Graduate Find the Right Fit for You Work Sheet Session 12 — College and Career Planning II College Can Mean Different Things to Different People Discuss Find the Right Fit for You Work Sheet Review College Brochures Certificates of Completion