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Personal Finance - Labs & Activities
We use highly interactive economic ActiveLearningSheets, team-based collaborative labs, and challenges to teach personal finance concepts. These interactive activities allow students to apply what they learn in the classroom in a fun and engaging way. By working in teams and collaborating with their classmates, students develop communication and teamwork skills that are essential for success in the real world. 
Here are the list of ActiveLearningSheet and ActiveLearningLabs we use to teach personal finance.
Learning to Earn: Career Planning
This interactive lab equips teachers with the tools to guide students in exploring careers, setting goals, and developing essential skills. Students engage in activities, self-reflection, and research to make informed decisions about their future paths.
Budgeting: Mastering Your Money
Students will learn the essential skills such as budgeting, expense tracking, goal setting, and making informed financial decisions using real-life scenarios and interactive activities.
Mastering Savings
Students will learn the concept of savings, short and long-term goals, interest, compound interest, and the effect of time in compounding, risk-based savings etc. using interactive activities.
The Investment Expedition
Discover the world of investing in this engaging Lab. Explore stocks, bonds, funds, risk-return and more using interactive activities and simulations to make learning more fun and practical. Teach how to analyze stocks, understand financial statements, and develop effective investment strategies.
Insuring Your Financial Future
Explore the fundamentals of insurance, including types of coverage, risk management, premiums, deductibles, and claims using interactive activities.
Demystifying Taxes
Students use interactive activities to understand taxes, deductions, financial responsibility etc.
Car Loan
Explore the world of car loans through interactive activities. Learn about financing options, calculating payments, and budgeting. Discover the dos and don'ts of car buying. Exciting real-life examples included. Get ready to make informed decisions.
Mastering Home Loans
Unlock the secrets of home loans and personal finance in this interactive course. Explore key topics, from mortgage basics to responsible borrowing, through engaging activities. Build a solid foundation for financial success!
Understanding Job Posting: Data Analysis
Students will read a sample job posting given and answer the review questions.- Career Planning
- 7,8,9,10 Auto Scored
Career Planning: Most New Jobs - Data Analysis
Students will analyze tabular and graphical data about the careers with the most opportunities in the future (2021-2031) and their median pay. Then they will write about their career aspirations.- Career Planning
- 7,8,9,10 Auto Scored
Works, School, College: Pros & Cons : Career Planning
Students will understand the different options available after high school, and do a drag-and-drop activity to categorize pros, cons, and sample jobs to each of the options available.- Career Planning
- 7,8,9,10 Auto Scored
Fastest Growing Jobs in USA: Career Planning
Students will read and understand the growth rate (from 2021-2031) and the median salary (as of 2021) of the 12 fastest-growing jobs in the USA and then will do a drag-and-drop sorting of the jobs.- Career Planning
- 7,8,9,10 Auto Scored
Classifying to career clusters
A drag and drop activity to classify different careers into the given set of clusters- Career Planning
- 7,8,9,10 Auto Scored
What are employers looking for
Students will explore the essential skills that employers highly value in recent graduates, students will also rate their preparedness for each of the given skills.- Career Planning
- 7,8,9,10 Auto Scored
Unemployment Rate - Career Planning
Students will analyze the average unemployment rate, unemployment with advanced education, and basic education data from 2000 to 2022 and then will answer review questions.- Career Planning
- 7,8,9,10 Auto Scored
Jobs vs Salary : Data Analysis
Students will analyze tabular and graphical data showing the median salary of different occupations. Students will also answer some review questions based on the data.- Career Planning
- 7,8,9,10 Auto Scored
Analyze Resume
Students will read and understand the given resume of a person and answer the review questions.- Career Planning
- 7,8,9,10 Auto Scored
What are college graduates looking for: Data Analysis
Students will analyze two survey results. One shows the "Perception of what is characterized as first "Good Job", and another one shows the "Length of Time It Took U.S. Graduates to Find a Good Job".- Career Planning
- 7,8,9,10 Auto Scored
Analyzing John's Budget
Students will read and understand the budget of a hypothetical person, Mr. John, categorize each expense into different categories, analyze the expense chart and answer some review questions.- Budgeting
- 7,8,9,10 Auto Scored
Impact of inflation on budgeting
Students will analyze the line graph showing the percentage change in prices of ten products from 1997 to 2022 and then answer some review questions. They will understand the need to adjust the budget to take inflation into account.- Budgeting
- 7,8,9,10 Auto Scored
Americans Average Monthly Expenses
Students will read a graph showing the average monthly expenses of Americans and answer the review questions. Students will also adjust the budget to cover an unforeseen incident.- Budgeting
- 7,8,9,10 Auto Scored
Design Your Monthly Budget
Students will design a monthly budget by allocating the given salary for different discretionary expenses but still trying to save at least 10% of their salary for the future.- Budgeting
- 7,8,9,10 Auto Scored
Budgeting - Classify Expenses
Students will sharpen their budgeting and categorization skills by sorting given expenses into predefined budget categories through a user-friendly drag-and-drop interface.- Budgeting
- 7,8,9,10 Auto Scored
Home Loan Simulation
Students will be given a profile with total savings, monthly salary, etc. and then they have to choose the down payment, points to purchase, and the loan duration to purchase a house.- Budgeting,Home Loan
- 7,8,9,10 Auto Scored
Comparison Shopping: Budgeting
Students will understand the importance of comparison shopping and then will find three different websites from where they can purchase a laptop, smartphone, and headset of the model they like. They will compare each website in terms of price, star rating, and warranty offered.- Budgeting
- 7,8,9,10 Auto Scored
Create Your Semester Budget: Digital Worksheet
This is a digital budgeting worksheet that students can use to set their short and long-term goals, list incomes and expenses, categorize each expense, and reserve money to achieve goals.- Budgeting
- 7,8,9,10 Auto Scored
Opportunity Cost: Start Saving Early
If the students were about to retire at the age of 65, they would understand the total interest that can be earned if they start saving at different ages.- Saving,Investment
- 7,8,9,10 Auto Scored
Savings Account Interest - Compounding Simulation
Students will understand the effect of savings account duration on compound interest earned and how an extra small contribution can lead to a bigger interest due to compounding using an interactive simulation.- Saving,Investment
- 7,8,9,10 Auto Scored
Risk-Reward Analysis in Investment
Students will choose any of the 5 investment schemes from a drop-down, find out the possible returns after 30 years, and the possible risk of losing all money by the end of 30 years.- Saving,Investment
- 7,8,9,10 Auto Scored
Effect of compounding
Students will understand the difference between simple and compound interest using a graphical method. They will also understand the effect of compounding as the duration of investment increases.- Saving,Investment
- 7,8,9,10 Auto Scored
How do banks pay interest on your savings?
Students are frequently puzzled by how banks manage to pay interest on the money they hold in deposits and, at the same time, generate profits. Through this worksheet, students will find that banks make profit by lending money as loans.- Saving
- 7,8,9,10 Auto Scored
Taking Inflation into Account
Students will understand that if they don't invest their money, the value of money will reduce over time due to inflation.- Saving,Investment
- 7,8,9,10 Auto Scored
Opportunity Cost: Start Saving Early
If the students were about to retire at the age of 65, they would understand the total interest that can be earned if they start saving at different ages.- Saving,Investment
- 7,8,9,10 Auto Scored
Savings Account Interest - Compounding Simulation
Students will understand the effect of savings account duration on compound interest earned and how an extra small contribution can lead to a bigger interest due to compounding using an interactive simulation.- Saving,Investment
- 7,8,9,10 Auto Scored
Analyzing Microsoft, Tesla and Apache Stock
Students will analyze the change in share prices of three stocks - Microsoft, Tesla, and Apache Corporation - over a 10-year period. They will understand that not every stock will give positive returns and the importance of timing in the market.- Investment
- 7,8,9,10 Auto Scored
How Shares Work and How Events Affect Share Prices
Students will see the series of events happening to a company and to the market and how each event affects the share price.- Investment
- 7,8,9,10 Auto Scored
Stock Market Simulation
Students will participate in a simulated stock market, where they can actively buy and sell shares of an electric car company over a span of 360 days. Students will encounter various market events that influence share prices, presenting them with opportunities and challenges- Investment
- 7,8,9,10 Auto Scored
Investment Simulation: Diversifying for Profit
Students will run a simulation in which they need to spread the initial money of $10,000 across the shares of three companies that have varying risks and returns. The simulation will run for 50 years, showing the share price each year. The target is to make a profit of $20,000 at the end of the simulation.- Investment
- 7,8,9,10 Auto Scored
Create Your Mutual Fund
Create your mutual fund- Investment
- 7,8,9,10 Auto Scored
Savings vs Investment: Understanding the Difference
Students will invest the same amount of money in one savings scheme and two investment schemes and understand how they perform for different durations.- Investment
- 7,8,9,10 Auto Scored
Risk-Reward Analysis in Investment
Students will choose any of the 5 investment schemes from a drop-down, find out the possible returns after 30 years, and the possible risk of losing all money by the end of 30 years.- Saving,Investment
- 7,8,9,10 Auto Scored
Effect of compounding
Students will understand the difference between simple and compound interest using a graphical method. They will also understand the effect of compounding as the duration of investment increases.- Saving,Investment
- 7,8,9,10 Auto Scored
Invest for the Long Term - Risk Mangement
Students will analyze the share prices of a company called Chipotle Mexican Grill over a period of eight years, and through prompt questions, they will understand the benefit of investing for the long term.- Investment
- 7,8,9,10 Auto Scored
Taking Inflation into Account
Students will understand that if they don't invest their money, the value of money will reduce over time due to inflation.- Saving,Investment
- 7,8,9,10 Auto Scored
Sample Investment Opportunity
Students will analyze the share prices of Lowe's over the last 23 years, understand the trend and patterns in the share price, and through review questions, they will realize the benefit of investing early.- Investment
- 7,8,9,10 Auto Scored
Health Insurance: Comparing Plans
Comparing plans- Insurance
- 7,8,9,10 Auto Scored
Analyzing Homeowners Insurance
Students will read and understand a sample homeowner's insurance, understand the coverage details, premium, deductible etc.- Insurance
- 7,8,9,10 Auto Scored
Health Insurance - Analyzing Hospital Expenses in USA
Students will read and analyze the hospital expenses for different treatments and for the hospital stays in different states for an uninsured individual. Students will answer review questions and understand the importance of health insurance.- Insurance
- 7,8,9,10 Auto Scored
With and Without Insurance
Students will unfold 10 events happening across 10 years of two individuals - One with insurance and one without insurance. The activity helps students to understand the benefits of insuring.- Insurance
- 7,8,9,10 Auto Scored
Auto Insurance: Analyzing the Declaration Page
Students will read and understand the declaration page of auto insurance. They will understand key components like premiums, deductibles, coverage, etc. The review questions will make sure that students understand the need for auto insurance.- Insurance
- 7,8,9,10 Auto Scored
Renters Insurance: Analyzing Sample Policy
Students will read and understand a sample renters insurance policy, add add-ons using interactive controls, and finally answer review questions.- Insurance
- 7,8,9,10 Auto Scored
Insurance Pooling: How insurance companies make profit
Students will understand the concept of insurance pooling and will calculate the total profit of a fictitious auto insurance company in an year.- Numbers & Operations,Insurance
- 7,8,9,10 Auto Scored
Choosing Your Car Insurance
Students will pick any one of the four car insurance plans, see the coverage details and the premium to be paid. Then they will a series of events happening to their car over four years and find out how the insurance policy they selected is helping.- Insurance
- 7,8,9,10 Auto Scored
Standard Deduction: Tax Calculation
Students will look up the progressive tax brackets table, and standard deduction table to calculate the taxes to be paid by four individuals with different income and filing status.- Taxes
- 7,8,9,10 Auto Scored
Taxes: Paystub analysis
Students will read and understand the given paystub of an employee, understand the various taxes paid, and answer review questions to reinforce their understanding.- Taxes
- 7,8,9,10 Auto Scored
Familiarizing progressive tax
Students will engage in real-world financial calculations as they determine the federal income tax owed by four individuals, each with varying income levels. The exercise explores the progressive tax structure and its implications on tax liability.- Taxes
- 7,8,9,10 Auto Scored
Taxes: Government spending analysis
Students will classify (drag and drop) different government expenses into six categories given. Students will understand that the government spends trillions of dollars in different sectors, and the money required for this is coming from taxation.- Taxes
- 7,8,9,10 Auto Scored
Taxes: W-2 Form Analysis
Students will read and understand what a W-2 form is and a sample W-2 form and then answer some review questions.- Taxes
- 7,8,9,10 Auto Scored
Leasing vs Buying a Car with Loan
In this worksheet, students will read the lease details of the Toyota Camry 2023 and answer review questions based on the lease details. Then students will consider the option of buying a new Camry but with a loan and compare and contrast to see which is better.- Car Loan
- 7,8,9,10 Auto Scored
Amortization Schedule
Students will read and understand the amortization schedule of a car loan (tabular and graphical format), change the loan duration to see how it affects the amortization table, and finally answer some review questions.- Car Loan
- 7,8,9,10 Auto Scored
Amortization Graph - Home Loan
Students will adjust the interest rate slider and loan duration slider to see how the amortization graph changes. They will understand that, in the initial months, a huge portion of their monthly payment goes to interest.- Home Loan
- 7,8,9,10 Auto Scored
Renting vs. Owning a House
Students will compare the overall cost of renting vs. owning a house for different durations of stay. They will answer prompt questions to understand which is better in the given context.- Home Loan
- 7,8,9,10 Auto Scored
Calculating Monthly Payments - Home loan
Calculating monthly payment- Home Loan
- 7,8,9,10 Auto Scored
Amortization Schedule-Home loan
Amortisation schedule- Home Loan
- 7,8,9,10 Auto Scored
Relationship between loan parameters-Home loan
Loan parameters- Home Loan
- 7,8,9,10 Auto Scored
Data Analysis - Average Cost of Houses
Students will analyze two data tables related to home values in different states and change in values across years, they will answer review questions and understand the importance of housing cost in personal finance.- Home Loan
- 7,8,9,10 Auto Scored
Home Loan Simulation
Students will be given a profile with total savings, monthly salary, etc. and then they have to choose the down payment, points to purchase, and the loan duration to purchase a house.- Budgeting,Home Loan
- 7,8,9,10 Auto Scored