NJ Fin Lit Resource Guide

Financial literacy is an integral component of a student's college and career readiness, enabling students to achieve fulfilling, financially-secure, and successful careers. This resource guide outlines the important fiscal knowledge, habits, and skills that must be mastered in order for students to make informed decisions about personal finance.

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Meets New Jersey Student Learning Standards:
Standard 9.1 Personal Financial Literacy

Financial Landscape

Financial landscape incorporates building an awareness of the various forms of money, financial institutions, and the role of economic and government influences has on one’s personal finances. Within the economic and government categories are topics such as consumer protection laws, taxes (e.g., impact on income and/or investments), a general understanding of inflation, and how government policies can affect one’s personal finances.

Financial Health

Financial wellbeing includes understanding how emotions, peer influencers, advertising, personal money habits, financial decision-making processes, lifestyle choices, and personal financial values influence choices that are made involving finances. In addition, it includes topics that relate to planning and aligning career opportunities and possible entrepreneurial objectives with financial goals.

Money Management

Money management includes examining various aspects of budgeting, building and maintaining a credit profile, loan and debt planning, identifying and managing potential risks and investments, and understanding various insurance options.

The structure the NJSLS — Career Readiness, Life Literacies and Key Skills (NJSLS-CLKS) is intended to:

Promote the development of curricula and learning experiences that reflect the vision and mission of Career Readiness, Life Literacies and Key Skills as stated at the beginning of this document; foster greater coherence and appropriate progressions across grade bands;
Establish meaningful connections among the major areas of study;
Prioritize the important ideas and core processes that are central and have lasting value beyond the classroom; and
Reflect the habits of mind central to Career Readiness, Life Literacies and Key Skills that lead to post-secondary success.

Course Units

The NFLP's financial literacy curriculum bridges the gap between real-world application and educational standards. The lessons motivate participants to take action to improve their finances, helping them build a foundation that supports growth toward financial wellness. Throughout the NFLP coursework participants complete practical activities and take action on what they’ve learned. This practical application helps students form positive financial habits and set up the infrastructure they need to properly manage their finances now and in the future.