JA Financial Literacy Course
JA Financial Literacy Course
Course contents
Unit 1: Employment, Income & Financial Decision-Making
Unit 2: Money Management & Financial Institutions
Unit 3: Credit, Debt & Consumer Protection
Unit 2
Money Management & Financial Institutions
“How can individuals manage their money effectively to meet short-term needs and long-term financial goals?”
Learners examine how financial institutions, consumer decisions, budgeting, and saving strategies work together to influence everyday spending choices and long-term financial planning.
TOPIC 1: Financial Institutions & Services
This topic explores how financial institutions, tools, and services work, and how money moves through a connected financial system. Students evaluate options, recognize risks and trade-offs, and make informed decisions about managing money.
The Student Guide is the compiled booklet of this topic’s student activities; the Student Materials under each Five E section below are the same activities as individual PDFs.
TOPIC 2: Consumer Decision-Making
This topic explores how advertising, social pressure, trade-offs, and inflation shape consumer decisions. Students analyze real-world scenarios and apply a structured decision-making process to make more intentional financial choices.
The Student Guide is the compiled booklet of this topic’s student activities; the Student Materials under each Five E section below are the same activities as individual PDFs.
TOPIC 3: Budgeting & Cash Flow Management
This topic explores how income, expenses, savings, and trade-offs work together to shape financial flexibility. Students build and adjust a realistic five-year budget, evaluate financial tools, and practice making informed decisions when circumstances change.
The Student Guide is the compiled booklet of this topic’s student activities; the Student Materials under each Five E section below are the same activities as individual PDFs.
TOPIC 4: Saving & Financial Goal Setting
This topic explores how saving strategies and financial goal setting support stability and long-term opportunities. Students analyze reasons for saving, examine barriers that interfere with consistency, and evaluate structured systems that protect their financial goals.
The Student Guide is the compiled booklet of this topic’s student activities; the Student Materials under each Five E section below are the same activities as individual PDFs.