{"product_id":"digital-product-13","title":"Dollars and Sense: Personal Finance for the Real World","description":"\u003ch2 data-section-id=\"vbpx86\" data-start=\"0\" data-end=\"55\"\u003eDollars \u0026amp; Sense: Personal Finance for the Real World\u003c\/h2\u003e\n\u003cp data-start=\"57\" data-end=\"507\"\u003e\u003cstrong data-start=\"57\" data-end=\"120\"\u003eGive your teen the financial skills schools often overlook.\u003c\/strong\u003e \u003cem data-start=\"121\" data-end=\"138\"\u003eDollars \u0026amp; Sense\u003c\/em\u003e is a secular, one-semester personal finance course designed specifically for high school students. Through real-world projects, critical thinking activities, budgeting exercises, and practical financial planning, students learn how money works—and how to make informed financial decisions that will benefit them for years to come.\u003c\/p\u003e\n\u003cp data-start=\"509\" data-end=\"976\"\u003eUnlike many personal finance courses that focus on memorizing definitions, this course challenges students to analyze financial choices, evaluate competing viewpoints, and apply what they learn to realistic situations. Students explore earning income, taxes, banking, budgeting, saving, credit, debt, investing, insurance, housing, consumer decision-making, and long-term financial planning through engaging, hands-on activities.\u003c\/p\u003e\n\u003cp data-start=\"978\" data-end=\"1368\"\u003eThroughout the semester, students complete two major projects: a realistic \"Living on Your Own\" budget simulation and a comprehensive 10-Year Financial Life Plan. These projects require students to research careers, calculate take-home pay, create balanced budgets, evaluate financial risks, and develop practical strategies for achieving future goals.\u003c\/p\u003e\n\u003cp data-start=\"1370\" data-end=\"1698\"\u003eThis curriculum is written for independent learners and homeschool families. No financial expertise is required from the parent or instructor. Detailed daily lesson plans, worksheets, projects, discussion questions, grading rubrics, and links to free educational resources are all included.\u003c\/p\u003e\n\u003ch3 data-section-id=\"18cuojd\" data-start=\"1700\" data-end=\"1718\"\u003eCourse Details\u003c\/h3\u003e\n\u003cul data-start=\"1719\" data-end=\"2012\"\u003e\n\u003cli data-section-id=\"1uwv2lh\" data-start=\"1719\" data-end=\"1763\"\u003e\n\u003cstrong data-start=\"1721\" data-end=\"1737\"\u003eGrade Level:\u003c\/strong\u003e High School (Grades 9–12)\u003c\/li\u003e\n\u003cli data-section-id=\"1xdem8z\" data-start=\"1764\" data-end=\"1801\"\u003e\n\u003cstrong data-start=\"1766\" data-end=\"1777\"\u003eLength:\u003c\/strong\u003e One Semester (18 Weeks)\u003c\/li\u003e\n\u003cli data-section-id=\"qujj4z\" data-start=\"1802\" data-end=\"1838\"\u003e\n\u003cstrong data-start=\"1804\" data-end=\"1815\"\u003eCredit:\u003c\/strong\u003e 0.5 High School Credit\u003c\/li\u003e\n\u003cli data-section-id=\"1juag9f\" data-start=\"1839\" data-end=\"1923\"\u003e\n\u003cstrong data-start=\"1841\" data-end=\"1854\"\u003eApproach:\u003c\/strong\u003e Secular, college-prep, research-based, and critical-thinking focused\u003c\/li\u003e\n\u003cli data-section-id=\"rbex9i\" data-start=\"1924\" data-end=\"1986\"\u003e\n\u003cstrong data-start=\"1926\" data-end=\"1937\"\u003eFormat:\u003c\/strong\u003e Independent study with parent-guided discussions\u003c\/li\u003e\n\u003cli data-section-id=\"10abu3h\" data-start=\"1987\" data-end=\"2012\"\u003e\n\u003cstrong data-start=\"1989\" data-end=\"2007\"\u003ePrerequisites:\u003c\/strong\u003e None\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3 data-section-id=\"2nxil4\" data-start=\"2014\" data-end=\"2032\"\u003eTopics Covered\u003c\/h3\u003e\n\u003cul data-start=\"2033\" data-end=\"2636\"\u003e\n\u003cli data-section-id=\"wej22e\" data-start=\"2033\" data-end=\"2078\"\u003eMoney, goals, and financial decision-making\u003c\/li\u003e\n\u003cli data-section-id=\"f0asb0\" data-start=\"2079\" data-end=\"2111\"\u003eIncome, careers, and paychecks\u003c\/li\u003e\n\u003cli data-section-id=\"1vwl2cj\" data-start=\"2112\" data-end=\"2143\"\u003eTaxes and government services\u003c\/li\u003e\n\u003cli data-section-id=\"a3fyln\" data-start=\"2144\" data-end=\"2180\"\u003eBanking and financial institutions\u003c\/li\u003e\n\u003cli data-section-id=\"1ghk8rp\" data-start=\"2181\" data-end=\"2213\"\u003eBudgeting and money management\u003c\/li\u003e\n\u003cli data-section-id=\"4wqyn4\" data-start=\"2214\" data-end=\"2244\"\u003eSaving and compound interest\u003c\/li\u003e\n\u003cli data-section-id=\"8hpn8l\" data-start=\"2245\" data-end=\"2279\"\u003eCredit scores and credit reports\u003c\/li\u003e\n\u003cli data-section-id=\"1gr42be\" data-start=\"2280\" data-end=\"2316\"\u003eDebt, loans, and predatory lending\u003c\/li\u003e\n\u003cli data-section-id=\"664ws5\" data-start=\"2317\" data-end=\"2357\"\u003eConsumer awareness and major purchases\u003c\/li\u003e\n\u003cli data-section-id=\"uvta1v\" data-start=\"2358\" data-end=\"2395\"\u003eHousing, renting, and homeownership\u003c\/li\u003e\n\u003cli data-section-id=\"wxg5t8\" data-start=\"2396\" data-end=\"2445\"\u003ePaying for college, trades, and career training\u003c\/li\u003e\n\u003cli data-section-id=\"1bykux1\" data-start=\"2446\" data-end=\"2477\"\u003eInvesting and wealth building\u003c\/li\u003e\n\u003cli data-section-id=\"10tr8re\" data-start=\"2478\" data-end=\"2499\"\u003eRetirement planning\u003c\/li\u003e\n\u003cli data-section-id=\"17m5wyx\" data-start=\"2500\" data-end=\"2531\"\u003eInsurance and risk management\u003c\/li\u003e\n\u003cli data-section-id=\"1mzql3c\" data-start=\"2532\" data-end=\"2576\"\u003eFraud, identity theft, and digital finance\u003c\/li\u003e\n\u003cli data-section-id=\"1w1nnlt\" data-start=\"2577\" data-end=\"2636\"\u003eInflation, economic forces, and financial decision-making\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3 data-section-id=\"1epupof\" data-start=\"2638\" data-end=\"2658\"\u003eWhat's Included?\u003c\/h3\u003e\n\u003cp data-start=\"2659\" data-end=\"2961\"\u003e✔ Complete 18-week course guide\u003cbr data-start=\"2690\" data-end=\"2693\"\u003e✔ Daily lesson plans and assignments\u003cbr data-start=\"2729\" data-end=\"2732\"\u003e✔ Printable worksheets and activities\u003cbr data-start=\"2769\" data-end=\"2772\"\u003e✔ Weekly mini-projects\u003cbr data-start=\"2794\" data-end=\"2797\"\u003e✔ Two major capstone projects\u003cbr data-start=\"2826\" data-end=\"2829\"\u003e✔ Argumentative research essay assignment\u003cbr data-start=\"2870\" data-end=\"2873\"\u003e✔ Grading rubrics for all coursework\u003cbr data-start=\"2909\" data-end=\"2912\"\u003e✔ Master resource list with free online materials\u003c\/p\u003e\n\u003ch3 data-section-id=\"12wi21k\" data-start=\"2963\" data-end=\"3000\"\u003ePerfect For Families Looking For:\u003c\/h3\u003e\n\u003cul data-start=\"3001\" data-end=\"3192\"\u003e\n\u003cli data-section-id=\"xqqtoy\" data-start=\"3001\" data-end=\"3035\"\u003eA practical life-skills elective\u003c\/li\u003e\n\u003cli data-section-id=\"1d78vp7\" data-start=\"3036\" data-end=\"3075\"\u003eA secular personal finance curriculum\u003c\/li\u003e\n\u003cli data-section-id=\"i2fv9v\" data-start=\"3076\" data-end=\"3107\"\u003eCollege-prep level coursework\u003c\/li\u003e\n\u003cli data-section-id=\"1avqn6b\" data-start=\"3108\" data-end=\"3138\"\u003eIndependent student learning\u003c\/li\u003e\n\u003cli data-section-id=\"199xtll\" data-start=\"3139\" data-end=\"3192\"\u003eReal-world financial literacy and critical thinking\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp data-start=\"3194\" data-end=\"3398\" data-is-last-node=\"\" data-is-only-node=\"\"\u003e\u003cstrong data-start=\"3194\" data-end=\"3398\" data-is-last-node=\"\"\u003eMoney affects nearly every major decision adults make. Help your student build the knowledge, confidence, and analytical skills needed to navigate the financial realities of adulthood with confidence.\u003c\/strong\u003e\u003c\/p\u003e","brand":"Homeschool Uncensored","offers":[{"title":"Default Title","offer_id":61973014151538,"sku":null,"price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0974\/5648\/8818\/files\/DollarsandSenseCover_fb851025-ec18-4244-8048-4d463317314b.png?v=1782266405","url":"https:\/\/homeschool-uncensored.com\/products\/digital-product-13","provider":"Homeschool Uncensored","version":"1.0","type":"link"}