money management
The LIFE SKILLS TEXTBOOKS
Own your money
'Money Management' draws on the discipline of Benjamin Franklin —
a builder of wealth, systems, and ideas — to show how budgeting creates financial power and long-term freedom.
Students learn how to track income, control expenses, and build disciplined financial habits that lead to stability, opportunity, and growth.
Why
Money Management Matters
Why
Money Management Matters
Every dollar has a direction — decide it
Every dollar has a direction — decide it
wealth unlocks access
Opportunity
smart decisions build stability
Security
financial literacy creates control
Power
Freedom
money expands your choices
Freedom — money expands your choices
Power — financial literacy creates control
Security— smart decisions build stability
Opportunity — wealth unlocks access
Students take control of their financial life — building a real budget, managing spending, and making decisions they’ll face every day.
They break down paychecks, navigate borrowing, understand taxes, and run real-world scenarios — from avoiding debt to managing a small business. Every decision has consequences. Every move builds discipline
Students take control of their financial life — building a real budget, managing spending, and making decisions they’ll face every day.
Every decision
has consequences. Every move
builds discipline
They break
down paychecks, navigate borrowing, understand taxes,
and run
real-world scenarios — from avoiding debt
to managing a
small business.
Activities
Ideas in motion
Build a personal budget based on a real lifestyle
Analyze income, expenses, & spending behavior
Evaluate borrowing, interest, & credit impact
Complete a basic tax return simulation
Adjust decisions to move from deficit to surplus
decisions to move from deficit to surplus
Adjust
a basic tax return simulation
Complete
Evaluate
borrowing, interest, & credit impact
Analyze
income, expenses, & spending behavior
personal budget based on a real lifestyle
Build
The Result
From discipline to financial stability
From discipline to financial stability
Clarity — full visibility into income & spending
Control — make intentional financial decisions
Consistency — build habits that stick
Confidence — handle real-world money situations
Freedom — reduce stress & avoid financial traps
Clarity
full visibility into income & spending
Freedom
reduce stress & avoid financial traps
Confidence
handle real-world money situations
Consistency
build habits that stick
Discipline
make intentional financial decisions
Track it. Control it. Keep it.
