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Advanced Budgeting

Advanced Budgeting

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Here's how Advanced Budgeting aligns with curriculum standards in Hawaii. Use the filters to change the location, set of standards, and grade level.

Theme 1: Earning Income

Content Standards: Students will know that...

Standards
Defined by Senate Concurrent Resolution No. 66 (Draft) 9th-12th Grades and align with Advanced Budgeting
1: People make many decisions over a lifetime about their education, jobs, and careers that affect their incomes and opportunities.
2: Compensation for a job or career can be in the form of wages, salaries, commissions, tips, or bonuses, and may also include contributions to employee benefits, such as health insurance, retirement savings plans, and education reimbursement programs.
5.: Retirement income typically comes from some combination of continued employment earnings, Social Security, employer-sponsored retirement plans, and personal investments.

Theme 2: Spending: Content Standards: students will know that...

Content Standards: Students will know...

Standards
Defined by Senate Concurrent Resolution No. 66 (Draft) 9th-12th Grades and align with Advanced Budgeting
2: Creating a budget can help people make informed choices about spending, saving, and managing money in order to achieve financial goals
3: Making an informed purchase decision requires a consumer to critically evaluate price, product claims, and quality information from a variety of sources.
4: Housing decisions depend on individual preferences, circumstances, and costs, and can impact personal satisfaction and financial well-being.

Students will use this knowledge to...: Sample Learning Outcomes

Standards
Defined by Senate Concurrent Resolution No. 66 (Draft) 9th-12th Grades and align with Advanced Budgeting
Share examples of how price, spending choices of others, peer pressure, or advertising influence a purchase decision.
Create a budget that includes expenses and savings out of a given amount of income.

Theme 3: Saving

Content Standards: Students will know that...

Standards
Defined by Senate Concurrent Resolution No. 66 (Draft) 9th-12th Grades and align with Advanced Budgeting
1.: People save money for many different purposes, including large purchases such as cars and homes, education costs, retirement, and emergencies.
2.: Savings decisions depend on individual preferences and circumstances, and can impact personal satisfaction and financial well-being.

Sample learning outcomes: Students will use this knowledge to...

Standards
Defined by Senate Concurrent Resolution No. 66 (Draft) 9th-12th Grades and align with Advanced Budgeting
Discuss how savings decisions can affect financial well- being.

Theme 4: Investing

Content Standards: Students will know...

Standards
Defined by Senate Concurrent Resolution No. 66 (Draft) 9th-12th Grades and align with Advanced Budgeting
2: Common types of financial assets include certificates of deposit (CDs), stocks, bonds, mutual funds, and real estate.

Theme 5: Managing credit

Content Standards: Students will know that...

Standards
Defined by Senate Concurrent Resolution No. 66 (Draft) 9th-12th Grades and align with Advanced Budgeting
5.: Credit reports and credit scores may be requested and used by entities other than lenders.

Theme 6: Managing risk

Content Standards: Students will know that...

Standards
Defined by Senate Concurrent Resolution No. 66 (Draft) 9th-12th Grades and align with Advanced Budgeting
1.: Financial loss can occur from unexpected events that damage health, wealth, income, property, and/or future opportunities.
3.: Health insurance provides coverage for medically necessary health care and may also cover some preventive care. It is sometimes offered as an employee benefit with the employer paying some or all of the premium cost.