HSFPP Program Topics

The HSFPP is designed to reinforce the sensible money management habits learned at home while also introducing sound basic personal finance skills that are relevant to the lives of pre-teens, teens, and young adults. 

As a result of taking part in the program, students build confidence, apply practical skills, and exhibit sensible behaviors related to money management. The specific skills they learn about and practice are featured in six topical modules:

View the HSFPP Program Outcome Summary.

Money Management: Control Your Cash Flow -

Control Your Cash Flow

As early as elementary school, young people have opportunities to be independent shoppers. Activities in this module guide students through strategies that prepare them for the responsibilities of their own spending decisions in adulthood.

Students will learn about and practice skills to manage personal spending to meet financial goals and minimize the impact of financial obstacles.

Module lesson topics include:

  • Goal setting
  • Decision making
  • Values
  • Spending plans and budgeting
  • Pay yourself first
  • Money management tips

Borrowing: Use—Don’t Abuse -

Use—Don’t Abuse

Teens already display the characteristics of responsible borrowers and irresponsible borrowers. Activities in this module guide students to take responsibility for their own borrowing habits while establishing habits that will improve the likelihood of credit approval and responsible use of credit.

Students will learn about and practice skills to control their borrowing habits.

Module lesson topics include:

  • Credit application process
  • Types of credit, including loans and credit cards
  • Credit costs
  • Credit scoring
  • Rights and responsibilities of borrowers and lenders 
  • Contracts
  • Identity fraud

Earning Power: More Than a Paycheck -

More Than a Paycheck

Actions during the teen years can impact a person’s options for education, training, and career options when entering adulthood. This, in turn, impacts a person’s earning potential and lifestyle in the future. In this module, students are provided opportunities to examine post-secondary education and training options that meet their needs and also fit within their budget constraints.

Students will learn about and practice strategies to make deliberate job and career decisions that enhance their earning potential throughout a lifetime and to proactively plan for contingencies.

Module lesson topics include:

  • Earning potential
  • Employee benefits
  • Take-home pay
  • Career planning
  • Adapting to life-stage changes
  • Lifestyle influences

Investing: Money Working for You -

Money Working for You

A person’s saving and investing habits during the teen years can impact the financial assets they have available later for big-ticket items and long-term financial goals. The activities in this module are designed to help student examine investing options and strategies so they can start early to reap the benefits of saving and investing.

Module lesson topics include:

  • Savings
  • Investing
  • Setting goals
  • Comparing options
  • Risks and rewards
  • Compound interest
  • Diversification
  • Long-term planning
  • Risk tolerance

Financial Services: Care for Your Cash -

Care for Your Cash

With so many financial service options available, students need to discern what works best for them now and be prepared to make choices as their own situations change and new services become available later in their lives.

In this module, students complete activities to compare options available to them and establish criteria for what best meets their needs and lifestyle.

Module lesson topics include:

  • Types of accounts
  • Service options and fees
  • Transaction tracking
  • Automated banking
  • Identity protection

Insurance: Protect What You Have -

Protect What You Have

Although teens may not currently take on the responsibilities of paying for their health or property insurance, their actions impact their insurability and the costs of their insurance coverage.

As they complete module activities, students will learn about and practice strategies to reduce the costs of insurance and minimize the risks of future financial losses.

Module lesson topics include:

  • Risk management
  • Costs of insurance
  • Insurance claims
  • Insurance types
  • Coverage decisions
  • Insurability factors