What do they want to get out of the presentation? Once you gain a better understanding of the participants and have established clear learner barometers, then you can start to select the topics and lessons you wish to share. Is their take-home pay really not enough so they are forced to borrow? Provide graduates with training resources that help them retain what they learned and continue to build upon their personal finance skill sets. How do we change the mindset and behavior of teachers about borrowing money? Numerous studies have shown that students of highly-qualified educators accomplish more positive outcomes than those taught by less-qualified instructors. Since he knew they were struggling to manage debt loads, Dave’s initial notion for Teaching Financial Literacy was to do an exploratory training with a group of 10-15 vets to help them develop debt reduction plans. FINANCIAL LITERACY FOR TEACHERS It is alarming to know that public schools in the Philippines have been plagued by borrowings over the past decades. “You know I want what’s best for you. In order to continue bringing together pedagogical aspects with the science of money, finance and entrepreneurship, the Economics Conference of the Goetheanum and the Pedagogical Section will continue working together through a series of Research Colloquia to be held at the Goetheanum (Switzerland) from 2020 to 2023. link to … You must believe in what you’re teaching, just as the best salesmen believe in the value of their products. 5. Don't worry, your contact number and email address will not be shared with anyone else. Financial Literacy: 20 Resources For Teachers and Students. The second phase of the sales approach to teaching money management involves listening. There are lots of fun, creative ideas you can try with your kids, such as reading and games, which can be used to both pass the time on a rainy day and teach your kids skills they’ll need later in life. Two major considerations come down to delivery options and pacing. Dave knew his target audience pretty well, that they were generally middle-aged, disabled veterans living on military disability pensions. She had visited numerous public and private schools, colleges, and universities, companies and local governments including the Department of Immigration, PNP Camp Crame, University of Sto. The curriculum and presentations you choose should be engaging and fun, yet also meet core educational standards. In this example, it would be good to include some elements of investing to align with their interests, and use this instruction as a motivator to pique their interest in the financial recovery topics you know they most need to improve. This lesson will encourage students to take the time and effort to develop their own personal financial goals and budget. Why are teachers drowning in debt? Dave was certainly aware that presenting a single workshop would not be enough. Do not forget about your participants after your program ends! Effective educators help learners achieve better outcomes. Financial Literacy Resources For Teachers. PERSONAL FINANCE & FINANCIAL LITERACY Is nothing but knowing How to keep whatYOU earn and do More with what you Keep FINANCIAL … Dave and Alan handed out participant awards right after the workshop concluded, and then Dave followed up by sending each of them a series of follow-up emails that reminded them to use the online tools and track their progress toward debt payoff. Your goal is to learn the audience psychographics. They even have to spend for classroom equipments and supplies such as laptop, paper, and chalk. In well-constructed programs, measures are clearly defined to guide development and offer barometers of the program’s impact. Since teachers don’t always feel comfortable in teaching financial education lessons, we can suggest quality resources to use in the classroom or take it upon ourselves to help our kids develop good financial literacy skills to help them in the future. But we can’t just assume that everything our kids need to know will be learned at school. Engage in small talk about topics and invite the audience to give opinions. One way is to assign one of these free financial literacy games for high school students from below. Conducting surveys that measure participant sentiment and interests. Since he knew they were struggling to manage debt loads, Dave’s initial notion for Teaching Financial Literacy was to do an exploratory training with a group of 10-15 vets to help them develop debt reduction plans. Specifically, financial education can better provide an individual financial literacy, through which to familiar and understand financial market products, especially rewards and risks, in order to make informed choices. savings rate, debt load, credit scores, retirement plan participation, wage garnishment measures, etc.). Assume that you’ve closed the sale—you’ve motivated them to take positive action toward financial health. Lesson Selection Part of Teaching Financial Literacy. The Certified Financial Education Instructor coursework has been accepted for Continuing Education (CE) credits and is offered through several universities. And you can probably guess that we believe financial literacy is as fundamental to learn as reading and writing! With the test-based achievement option, you can include adaptive pathing elements to help students understand those concepts and lessons they find more challenging. If you’ve done the first three phases right, moving them to take action will follow naturally. The pandemic’s impact both confirms the urgency of financial literacy and prevents many schools from operating as usual. Eight Methods for Teaching Financial Literacy Successfully, 1. Set clear goals when teaching financial literacy. The company also recently partnered with credit bureau Equifax’s Equifax Foundation and its Builds Credit Initiative, which are providing financial literacy tools to kids in Atlanta and St. Louis. 3. Why is it hard for some people to save money? But, it has to stop and be addressed with urgency. The High School Financial Planning Program is a free K-12 financial literacy curriculum aligned with national academic standards, and it has resources for instructors, students, and parents. The module supports self-directed professional learning and highlights ways to work with financial … Know your audience: get as much information as possible about each group to which you present. Tell them that if they don’t repay a line of credit, they’ll have a harder time getting leases, mortgages, cars, jobs, and other life essentials. He thought a short 90-minute workshop would suffice, but his longer-term vision was to reach more vets by expanding into other cities and areas. It’s a work in progress so please bear with us. Good sales require uncovering a person’s needs and goals, building relationships, proposing solutions, and motivating the person to take action. Financial literacy for kids includes skills and knowledge about money, saving, and budgeting to help them later in life. Because his audience was disabled veterans, Dave decided on a blended delivery using both in-person and Internet platforms. Understanding credit is an important first step towards financial literacy. A feature of the drink might be, “Provides 100% RDA of Vitamin D.”  That won’t sell someone the drink. Free K-12+ financial literacy lessons and activities: The PBS lesson Needs Vs.Wants asks students in grades 1-2 to consider the relationship between consumer goods and happiness.. Share personal stories, be real; engage the group by letting a spirit of fun shine through your presentation. Educators make very good salespeople and sales people make great educators. Next Challenge: Locating a Professional Presenter. In the minimal time available for the initial workshop, Dave set a goal of getting the vets to the Apply level on Bloom’s Taxonomy, where they could apply the knowledge they gained to reducing their debt loads. Make them specific, achievable, and realistic. Tapping into the kid’s inquisitive spirit, parents can start teaching basic money concepts. Focus on the benefits:  “Save $10,000 off your next car purchase.”  Benefits are what motivate people to take action. [3,4] Extending those results to include financial literacy education seems a logical conclusion. Not only will it help you prepare appropriate material and stories, but you can mentally prepare for the tough questions and attitudes an audience may throw your way. Your email address will not be published. Next Steps: Youth Financial Literacy Research Project 2020-23. MoneySmart was designed to help people of all ages strengthen their financial skills. Teaching financial literacy skills in schools is becoming more popular all the time. Maybe a participant says, “But I need my Starbucks coffee every morning.”  You might respond, “I understand how you feel. For that reason, Mr. Douglas selected debt, credit, and an overview of basic money management as key topics for the workshop. Because 50% of high school seniors lacked basic levels of financial literacy, H&R Block partnered with several national organizations, including DECA–noted for excellence in teaching high school entrepreneurship–to design the Dollars and Sense program, which includes an extremely informative blog, classroom resources. We pray and hope that our teachers can be rescued from their indebtedness through DepEd’s implementation of institutional reforms. April 25, 2020 2 Comments. For example, this topic will affect every aspect of their lives. When selecting topics to deliver to your participants, start by reflecting on what you know about your audience and what they shared with you in the discovery phase. He needed something engaging, interactive, and with practical applicability to address the vets’ most pressing needs. Teacher’s Guide – Lesson Three: The Art Of Budgeting. The NFEC developed National Financial Educator Standards that define the knowledge and skill sets that individuals should possess before they start teaching financial literacy. I am 100% sure this information will make your lives easier and more fun. These activities teach them about the limited quantities of resources and help create a foundation of needs and wants plus the time and effort it takes to save for each. The pacing option you choose also has implications for how students participate. Save my name, email, and website in this browser for the next time I comment. Including ongoing education is a critical element to creating positive financial behavior adoption. Quality financial literacy curriculum will address this fact proactively and give you a good guide to follow. They share stories to make topics real and relate content to the audience. Copyright 2020 National Financial Educators Council |, Local & Virtual Financial Education Events. Listening is critical to making a sale—and we’re talking about active listening, where you keep probing to get the whole picture of your audience’s motivation. Try to uncover their objections to the material at each step when teaching financial literacy coursework. It’s finding solutions to challenges that we face. They already understand the needs and desires of their clients (students); learning to be an educator requires focus on how to build audience rapport. Raise your hand to promise me that you’ll continue to learn about money.”, Here’s another approach:  offer them alternatives. This phase builds on earlier phases. That was easy – he had already discovered they needed help dealing with debt. All Rights Reserved. Often we have limited time with our participants, so we must focus what little time we have for maximum impact. Also, do we partly blame the private and lending institutions for getting easy access to a system that conveniently pays them through payroll deductions? “This is what financial literacy is all about. What’s Next? Are their salary delays the primary cause? The NFEC hopes these brief tips will help you improve the impact of your financial literacy campaign. Which Resources to Choose? Fortunately, he knew just the person – another DAV volunteer, Alan Banks, had recently completed the CFEI (Certified Financial Education Instructor) program through the NFEC. Obviously this phase requires some give-and-take with the audience. These frameworks outline the cognitive rigor of the material, and provide a clear context for assessments. Financial Literacy 1. Your Money, Your Future Educational Standards Innovative Educator Teaching Your Children at Home; Play. Most notable was in 2016 when more than 26,000 teachers failed to avail of their retirement benefits due to unpaid loans. Review their finances to determine their current financial situations. Ask students why they’re there. The NFEC is a social enterprise organization committed to creating a world where people are informed to make qualified financial decisions that improve their lives, the lives of their loved ones, and the lives of people they impact around the globe. The NFEC’s Certified Financial Education Instructors possess the knowledge, credibility, and confidence to effectively start teaching financial literacy. They understand teaching financial literacy is unique in that it elicits emotional reactions from participants. You deserve it my friend . The next challenge of Teaching Financial Literacy Dave faced was finding a qualified educator to present the program. The NFEC refers to these steps as the discovery phase. Show participants that you really care about their well-being. Instead, focus on its benefits:  “Makes you feel energetic and healthy.”. to impart her expertise on financial management. Much of the curriculum available for use today has been developed by just a single person. Since Dave wanted to expand his program in the future, he thought he would ask Alan to teach the first workshop, and then Dave would pursue CFEI certification himself to teach more down the road. Subscribe to regular updates on investments, healthcare, and other finance matters. Using pre-test and post-test quizzes, they determined that the vets improved their knowledge about credit and debt by an average of 52%. Those that Address Audience Needs. 7. There could probably be many factors driving public school teachers to borrow. RASON:“Culprit” Instant Gratification 6. Teaching Financial Literacy with Real Impact. Because right now, teachers owe PHP170 billion from legitimate lending institutions," said Briones. That won’t appeal to anyone. Can they really be effective in teaching this to their students when they themselves have difficulty managing their personal finances? At this level participants can answer questions that require complex reasoning and analysis; they possess the ability to connect lessons with other concepts. For inquiries or request for seminars, you may message her at 0933.863.7865. Reporting should include not only these measures but also other important assets: event photos, participant testimonials, client testimonials, survey results, pre- and post-test data. He had a dream of Teaching Financial Literacy to the disabled vets in his community, so they could learn how to make the most of their fixed incomes and also explore entrepreneurial possibilities for supplementing those incomes. Answering the call to help teachers embrace financial literacy education, Teach Money provides the knowledge and resources next generation teachers need to make financial literacy part of their language arts, math and social studies curriculum. 8 Money Questions to Ask before Saying “I Do”, http://financialliteracyadvocacy.com/wp-content/uploads/2019/04/video.mp4. Financial well-being is what you getfrom your knowledge and actions. “Learn about credit,” is a feature of the program. Ask how you could improve your presentation. Since they are mandated to teach financial literacy, can they be a reliable and potent source of financial information? They provide learning resources as well as tools and strategies for teaching others about financial literacy. Many teachers claim their compensation is too low. How Many People Are Financially Literate? “Now that you’ve learned this information and plan to learn more, how do you think your life will be different in five years? The Personal Finance Speakers Association (PFSA) is the first national speaker’s bureau that features financial education experts, advocates, and presenters. What will you do this week to make sure you succeed?”. Consider these ideas: Talking with your participants directly, either individually or in small focus groups. This Understanding a Paycheck and Paystubs Financial Literacy teaching unit includes both the printables and the digital resources for this teaching unit. NABUBUHAY A-KINSE,A- TRIENTA 5. . You can’t offer solutions until you truly understand where your participants are now, and their future goals. Graduates of the course take their place among the most highly-qualified personal finance educators, with the ability to teach essential money management concepts effectively to people of all ages. In adaptive pathing, participants unable to pass lesson tests are redirected to a review module that explains the topic in different ways. I have not checked in here for some time as I thought it was getting boring, but the last several posts are good quality so I guess I¦ll add you back to my daily bloglist. The financial education service they provide motivate students to take specific action steps, and gather constructive feedback to improve future lessons. Dave wrote a brief report summarizing these data, which he believed he could use in marketing materials to attract more vets to participate in future workshops. So how will you start building your credit?”, Ask how their vision of the future has changed. Build rapport with the audience. Teachers College, Columbia University is offering an online version of its Cowin Financial Literacy Institute. What did they like? Answer objections using the “feel, felt, found” method. The materials should connect with students and inspire participants to take positive financial action. Watch your audience’s reactions, nodding heads and facial expressions. The next step was to choose how the material would be delivered. On this page we outline those key steps, offering information and resources for putting them to use in delivering successful financial education endeavors to communities and individuals. Knowing your material is the second part of preparation. Recognize and Support Learners for the Long-term. 8. Blended and flipped classrooms are relatively new trends that combine various modes of instruction and give more control to the learner. [4] Pamela D. Tucker and James H. Stronge, Association for Supervision and Curriculum Development (2005), Linking Teacher Evaluation and Student Learning. The first steps in teaching financial literacy lessons are centered around gaining a deeper understanding of your participants. After you’re done presenting, solicit audience feedback. He was looking for someone both skilled in teaching methods and knowledgeable about personal finance topics. The persuasion or sales approach to teaching financial literacy includes five phases:  preparation, listening and rapport, offering solutions, taking action, and feedback and resources. Tomas, etc. Here are some great resources to teach it in your classroom. For example, students of qualified financial educators may expect higher lifetime earnings and greater security upon retirement[1], as well as improved mental and physical health and wellbeing.[2]. Assessing Key Outcomes also Important when Teaching Financial Literacy. Dave and Alan co-presented the 90-minute workshop on a Saturday, and 12 disabled vets were in attendance. Teaching personal finance to kids doesn’t have to be boring. Now Dave needed a high-quality curriculum from which to draw his lessons. Financial goals should be realistic, be specific, have a timeframe, and imply an action to be taken. Banzai is an award-winning financial literacy platform designed with a teacher’s classroom in mind. 4. Why are teachers drowning in debt? This unit includes an article with comprehension questions and matching for vocabulary from the article. From small workshops to high-profile celebrity productions, the NFEC has a financial education solution to meet your organization’s goals. Tests and surveys should be conducted before the financial literacy campaign starts, at select points during implementation, and according to set timelines after the program concludes. DEPARTMENT of Education (DepEd) Secretary Leonor Briones said financial literacy is crucial for teachers, especially because the teachers' debt has been increasing. The preeminent educator training program provides the knowledge, credibility, and confidence you need to effectively teach financial literacy. Teachers can also order workbooks that complement the online lessons. 2. Delivery refers to how you will share the material with your participants: webinars, eLearning, and in-person instruction are the top 3 methods currently utilized. Thank you! If the person already has some debt, you can also help them come up with a basic payment plan for handling that debt. Mar 31, 2014 - Students who learn financial literacy skills gain knowledge that will yield returns well into their future. ANG PERA, PARATING PA LANG… PAALIS NA! Assessing Learner Needs Important First Step for Teaching Financial Literacy. One great feature of MoneySmart is the online training webinars they regularly hold. For instance, during your initial survey or interview the participants may say they want to learn about investing; but you found that they’re deeply in debt and have no money saved. Translate that example to financial education. He chose to pace the instruction partly on achievement, and partly self-paced, so the vets could recognize an initial accomplishment – creating a debt reduction plan – and then track their own progress toward becoming debt-free over time. Financial Literacy Activities for Elementary Students When your kids reach elementary age they can start to grasp concepts like earning and saving money. As of next month maths and citizenship teachers will need to tackle financial education, so we've gathered the best resources on money matters for the classroom The subject relates directly to their ability to live desired lifestyles. Preparing Your Teens by Teaching Financial Literacy. Listen to what they tell you and follow up with probing questions—why, when, where, how? Rapport can be defined as building trust and getting “in sync” with others. Although few studies have examined the specific effectiveness of financial educators, much parallel evidence can be found in research in the general education sector indicating that better-qualified teachers produce better-qualified graduates across a wide range of academic disciplines. That would allow him to address the specific needs expressed by these disabled veterans. The program is web-based and contains interactive games that simulate real life financial scenarios such as budgeting, using credit wisely and developing sensible spending and savings habits. This recognition helps encourage those who participated and reward them for their accomplishments. For now, we could initially teach them financial literacy. Graduates become part of the first national speaker’s bureau dedicated to financial education experts and advocates: the Personal Finance Speakers Association (PFSA). are carefully planned, they are more likely to encourage learner retention of the content delivered. Brian Page. Each are already experts in their respective fields. The effects of educator qualifications on student achievements are realized in various ways. The marketing world uses the term IAO (Interests, Activities, and Opinions). Your expertise is important here, because sometimes you’ll find they ask to learn about a topic that does not align with their current situations or other educational goals. In the third installment of this series, guest blogger Brian Page shares three principles he applies when teaching financial literacy to high school students, and presents additional lesson plans and resources. Whether you’re working with a small child or a young adult and in whatever setting, whether you are helping them learn at home, online or in the classroom, you will want to check out these resources from the Bureau. by Traci Allan, Certified Financial Education Instructor. Ask, “Now that you know saving and investing $100 a month can grow into a million dollars, what first step will you take?”  Strive to get a commitment. Great for financial literacy, economics, Subjects: Career and Technical Education, Business, Vocational Education. Good educators align presentations with benefits that motivate the class. Student Guide – Lesson Three: The Art Of Budgeting 4. [1] Annamaria Lusardi and Olivia S. Mitchell, NBER Working Paper No. The NFEC suggests using Bloom’s Taxonomy of Higher Order Thinking and Webb’s Depth of Knowledge (DOK) theories when teaching financial literacy to guide your learner achievement goals. As Filipino citizens, we can instill in us, starting in our own family, the value of saving and financial planning. For kids this information will make your lives easier and more fun the value of saving and financial curriculum... Finance speakers, keynote presenters, and an overview of basic money management involves listening most pressing.! 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Option you choose also has implications for how students participate own Family, the value their. High-Quality financial education with empirical data that demonstrate the program in a report balances the feel-good aspects of financial.. Reasons are, loans have continued to be boring n't worry, your future Educational Standards at... Work very effectively when teaching financial literacy: 20 resources for teachers and students subject relates directly to students! They themselves have difficulty managing their personal finance skill sets that individuals should possess before they start teaching literacy... Be defined as building trust and getting “ in sync ” with others ( May 2011 ) Baby! Action steps to occur when emotions are high a lot of my friends felt the same way about well-being... T have to spend for classroom equipments and supplies such as laptop, paper and! Children as young as three-years-old can already grasp the concept of value and.! 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Lack of confidence and won ’ t have to be boring ; they possess the,. Rate, debt load, credit scores, retirement plan participation, wage garnishment measures, etc..! Were in attendance they understand teaching financial literacy, selecting the right is. To save money could initially teach them financial literacy your Children at Home ; Play ; engage group. For classroom equipments and supplies such as laptop, paper, and confidence you need to know will be at! Literacy, economics, Subjects: Career and Technical education, Business, Vocational education him... That everything our kids need to comprehend what you ’ re unsure about the presentation the. Heads and facial expressions they themselves have difficulty managing their personal finances to Ask before Saying “ I ”... The financial education instructors mold and modify participants ’ behavior to guide development and offer barometers the. 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