Financial Literacy and Choices

Financial Literacy

• Understanding different types of income (e.g., salary, wages, interest, tips).
• Identifying various expenses (e.g., rent, utilities, food, transportation, entertainment).
• Recognizing and managing different forms of debt (e.g., credit cards, loans).
• Differentiating between needs and wants and prioritizing needs.
• Creating a basic budget to track income and expenses.
• Importance of saving money and various savings options (e.g., bank accounts, savings bonds).
• Understanding the concept of interest and compound interest.
• Recognizing different types of investments (e.g., stocks, bonds).
• Importance of credit score and responsible credit card use.
• Avoiding scams and fraudulent activities related to finances.

Choices and Values

• Defining values and understanding their importance in decision-making.
• Recognizing the influence of peers, family, and media on choices.
• Identifying different types of relationships and understanding healthy boundaries.
• Understanding the concept of personal responsibility and accountability for choices.
• Considering consequences of choices and decisions.
• Recognizing bias and stereotypes and its influence on decision-making.
• Differentiating between right and wrong in various situations and making ethical decisions.
• Understanding different perspectives and considering different viewpoints related to choices.
• Importance of critical thinking when evaluating choices and options.
• Resolving conflicts and negotiating with others.

Mental Health Struggles Among Teens

• Recognizing common mental health struggles (e.g., anxiety, depression, stress, and low self-esteem) and recognizing signs and symptoms.
• Identifying potential triggers and stressors for mental health issues.
• Developing coping mechanisms for managing stress and emotions.
• Understanding healthy ways to manage anger and frustration.
• Importance of seeking support from trusted adults, family, friends, or professionals.
• Promoting self-care and maintaining well-being.
• Importance of positive self-talk and affirmations.
• Spotting warning signs of potential harm or suicide and appropriate actions to take.
• Understanding available mental health resources.
• Importance of building resilience and adapting to change.

Time Management

• Defining time management and its significance in daily life.
• Setting priorities and organizing tasks efficiently.
• Creating schedules and to-do lists.
• Understanding time-wasting activities and strategies to minimize them.
• Planning for both short-term and long-term goals.
• Identifying personal time management strengths and weaknesses.
• Utilizing different tools and techniques to improve time management skills.
• Managing procrastination and setting realistic goals.
• Understanding the importance of breaks and down-time.
• Developing routines and sticking to them consistently.