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Where Does My Money Go?

Float Your Boat: How It Works: Who Uses It

Where Does My Money Go? covers the essential elements of financial literacy. Our goal is to empower people to make informed decisions about their financial lives, seek appropriate help when necessary, and build the foundation for a lifetime of responsible financial behavior. As with other Float Your Boat courses, our blended learning platform accommodates individuals and service organizations.

Lessons provide instruction in essential financial concepts, commonly used vocabulary, helpful and credible resources, and everyday tools. Sample conversations, worksheets (budgets, checklists, vocabulary keys, etc.), interactive flashcards and quizzes are included. All lessons, worksheets, flashcards, and quizzes are available to download and print anytime. Quick Start guides help teachers and students get up and running efficiently.

 


Where Does My Money Go?
 

1. Income and Earning Money
 
2. Saving Money
  • My Financial Vision
  • Income and Earning Money
  • Gross Pay vs. Net Pay
  • Common Deductions
  • Tracking Your Total Income 
  • Cash Money & Money Under The Table
  • Independent Contractor vs. Employee
  • Unemployment Benefits
  • Working “Off the Books” While Collecting Unemployment
  • Welfare Assistance
  • Layers of Savings
  • Make a Savings Plan
  • Change your thinking
  • Create a budget
  • Keep Track of Your Money
  • Tracking Your Total Income and Expenses
  • Paying and Prioritizing Your Bills
  • Financial Records
  • How to Manage Energy Costs
  • How to Save Money on Groceries
  • Other Areas to Cut Your Expenses

3. Banks and Banking
 
4. Understanding and Managing Debt
  • Banks
  • Checking Accounts
  • Savings Accounts
  • Common Charges and Fees
  • Credit Unions
  • Internet banks
  • Finding the Right Bank
  • Poor Banking History
  • Bank Privacy and Marketing Policies
  • How can I protect my privacy?
  • The 3 C’s of Credit
  • Credit Cards
  • Shopping for a Credit Card
  • Other Kinds of Debt
  • Payday Loans
  • Getting Help
  • Debt-to-Income Ratio
  • Credit Reports
  • Credit Scores

5. Investing in Your Future
 
6. Protecting Your Money
  • Investing in Yourself: Higher Education
  • College Degrees
  • Community College
  • Vocational Training Programs
  • Financial Aid and Loans
  • Social Security, Retirement Plans
  • Money Market Accounts, Stocks, Bonds
  • The Nature of Investing
  • Short-Term Investments vs. Long-Term
  • Risk
  • Health Insurance
  • Auto Insurance
  • Apartment or Home Insurance
  • Financial Scams That Target Consumers
  • Identity Theft