Personal Financial Literacy

SS TEKS 3.6, 3.7, 3.8 Math TEKS 3.9

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Books to Teach Personal Financial Literacy

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TEKS

Personal Financial Literacy.

Grade 1

The student applies mathematical process standards to manage one’s financial resources effectively for lifetime financial security. The student is expected to:

1.9A define money earned as income;

1.9B identify income as a means of obtaining goods and services, oftentimes making choices between wants and needs;

1.9C distinguish between spending and saving; and

1.9D consider charitable giving.


Grade 2

Personal Financial Literacy. The student applies mathematical process standards to manage one’s financial resources effectively for lifetime financial security. The student is expected to:

2.11A calculate how money saved can accumulate into a larger amount over time;

2.11B explain that saving is an alternative to spending;

2.11C distinguish between a deposit and a withdrawal;

2.11D identify examples of borrowing and distinguish between responsible and irresponsible borrowing;

2.11E identify examples of lending and use concepts of benefits and costs to evaluate lending decisions; and

2.11F differentiate between producers and consumers and calculate the cost to produce a simple item.


Grade 3

Personal Financial Literacy. The student applies mathematical process standards to manage one’s financial resources effectively for lifetime financial security. The student is expected to:

3.9A explain the connection between human capital/labor and income;

3.9B describe the relationship between the availability or scarcity of resources and how that impacts cost;

3.9C identify the costs and benefits of planned and unplanned spending decisions;

3.9D explain that credit is used when wants or needs exceed the ability to pay and that it is the borrower’s responsibility to pay it back to the lender, usually with interest;

3.9E list reasons to save and explain the benefit of a savings plan, including for college; and

3.9F identify decisions involving income, spending, saving, credit, and charitable giving.