Francis T. Maloney High School

Personal Finance

"It is a happy talent to know how to play," the poet Ralph Waldo Emerson once wrote.  "It's even a happier talent for students to lean to manage their finances early in life."


Connecticut Personal Finance Education: 

National Endowment for Financial Education:

Playbook for Life:

Jump$tart Coalition for Personal Finance Literacy:

Use Credit Wisely:

Me, Myself, My Money - CT Society of CPA's:
Cash Course: 


NEFE High School Planning Program Workbook 


Semester Course – 1/ 2 credit 

Course Description
This course will inform students how individual choices directly influence occupational goals and future earning potential. Real world topics covered will include income, money management, spending and credit, and saving and investing. Students will design personal and household budgets utilizing checking and saving accounts, gain knowledge in debt and credit management and evaluate and understand insurance and taxes. Financial literacy is critical in a global society and the road to financial independence should begin at an early age! Students should expect to leave the class being able to answer the following essential questions:
1. What makes a good financial decision?
2. How do my financial choices affect my standard of living in the short term and long term?

Course Objectives
By the end of this course you will be able to:
 Examine the significance of goal setting within the financial planning process.
 Create a personal budget of income and expenses.
 Identify the steps involved in opening and maintaining a bank account.
 Discuss the difference between saving and investing.
 Describe the advantages and disadvantages of using credit.
 Identify and explain the various types of insurance.
 Identify and explain various types of taxes.
 And much more!

Work Standards
 Please arrive on time for each class meeting. Tardiness will result in a ten (10) minute after school detention. You have three (3) days to make up the detention. Failure to make up the detention will result in an automatic five (5) point deduction from your class participation grade.
 All make up work should be turned in within five (5) school days. If you are absent, it is your responsibility to see me for missed assignments.
 Class “cuts” will result in a grade of “0” for any missed work/tests. Work missed due to a “cut” may not be made up.
 Respect your fellow classmates and your teacher.
 Absolutely no food or drink allowed in class.
 All cell phones and electronic equipment will be confiscated and turned over to the office.
 Participation in Future Business Leaders of America (FBLA) and Interact Club is strongly recommended but not required. Students will also be encouraged to open a savings account at the Meriden Schools Federal Credit Union or an institution of their choice.


• Test / Quizzes: 35%
• Project(s): 20%
• Homework: 20%
• Class work: 20%
• Class participation: 5%

Contact Information
Maloney Home Page:
238-2334 x-236
I am available most days after school for additional help. Please see me to schedule a time. Teachers are not available on Thursdays.
Francis T. Maloney High School 121 Gravel Street
Meriden, CT 06450
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