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Personal Finance - Labs & Activities
We use highly interactive economic ActiveLearningSheets, team-based collaborative labs, and challenges to teach personal finance concepts. These interactive activities allow students to apply what they learn in the classroom in a fun and engaging way. By working in teams and collaborating with their classmates, students develop communication and teamwork skills that are essential for success in the real world. 
Here are the list of ActiveLearningSheet and ActiveLearningLabs we use to teach personal finance.
Budgeting
$10.00 / Classroom
Students will learn essential skills such as budgeting, expense tracking, goal setting, and making informed financial decisions using real-life scenarios and interactive activities.
Taxes: Comprehensive Lab
$10.00 / Classroom
A purely interactive lab where students will learn about taxes, how the government uses tax money, paystub analysis, types of taxes, progressive tax calculation, deductions & taxable income, income tax filing, W-2 form, Form 1040 etc.
Budgeting: Mastering Your Money
$5.00 / Classroom
Students will learn the essential skills such as budgeting, expense tracking, goal setting, and making informed financial decisions using real-life scenarios and interactive activities.
Mastering Savings
$5.00 / Classroom
Students will learn the concept of savings, short and long-term goals, interest, compound interest, and the effect of time in compounding, risk-based savings etc. using interactive activities.
The Investment Expedition
$5.00 / Classroom
Discover the world of investing in this engaging Lab. Explore stocks, bonds, funds, risk-return and more using interactive activities and simulations to make learning more fun and practical. Teach how to analyze stocks, understand financial statements, and develop effective investment strategies.
Insuring Your Financial Future
$5.00 / Classroom
Explore the fundamentals of insurance, including types of coverage, risk management, premiums, deductibles, and claims using interactive activities.
Demystifying Taxes
$8.00 / Classroom
Students use interactive activities to understand taxes, deductions, financial responsibility etc.
Learning to Earn: Career Planning
$5.00 / Classroom
This interactive lab equips teachers with the tools to guide students in exploring careers, setting goals, and developing essential skills. Students engage in activities, self-reflection, and research to make informed decisions about their future paths.
Car Loan
$5.00 / Classroom
Explore the world of car loans through interactive activities. Learn about financing options, calculating payments, and budgeting. Discover the dos and don'ts of car buying. Exciting real-life examples included. Get ready to make informed decisions.
Mastering Home Loans
$5.00 / Classroom
Unlock the secrets of home loans and personal finance in this interactive course. Explore key topics, from mortgage basics to responsible borrowing, through engaging activities. Build a solid foundation for financial success!
Insurance
$10.00 / Classroom
Students will explore the fundamentals of insurance, auto, health & life, and homeowners & renters insurance.
Understanding Job Posting: Data Analysis
Students will read a sample job posting given and answer the review questions.
- Career Planning
- 7,8,9,10 Auto-Graded
Jobs Vs. Salary: Data Analysis
Students will analyze tabular and graphical data showing the median salary of different occupations. Students will also answer some review questions based on the data.
- Career Planning
- 7,8,9,10 Auto-Graded
What Are College Graduates Looking For: Data Analysis
Students will analyze two survey results. One shows the "Perception of what is characterized as first "Good Job", and another one shows the "Length of Time It Took U.S. Graduates to Find a Good Job".
- Career Planning
- 7,8,9,10 Auto-Graded
Getting Started - Work, Trade School, Or College
Students will understand the different options available after high school, and do a drag-and-drop activity to categorize pros, cons, and sample jobs to each of the options available.
- Career Planning
- 7,8,9,10 Auto-Graded
Career Planning: Most New Jobs - Data Analysis
Students will analyze tabular and graphical data about the careers with the most opportunities in the future (2021-2031) and their median pay. Then they will write about their career aspirations.
- Career Planning
- 7,8,9,10 Auto-Graded
$1.00 / Classroom
Fastest Growing Jobs In Usa: Career Planning
Students will read and understand the growth rate (from 2021-2031) and the median salary (as of 2021) of the 12 fastest-growing jobs in the USA and then will do a drag-and-drop sorting of the jobs.
- Career Planning
- 7,8,9,10 Auto-Graded
Unemployment Rate - Career Planning
Students will analyze the average unemployment rate, unemployment with advanced education, and basic education data from 2000 to 2022 and then will answer review questions.
- Career Planning
- 7,8,9,10 Auto-Graded
What Are Employers Looking For
Students will explore the essential skills that employers highly value in recent graduates, students will also rate their preparedness for each of the given skills.
- Career Planning
- 7,8,9,10 Auto-Graded
$2.00 / Classroom
Analyze Resume
Students will read and understand the given resume of a person and answer the review questions.
- Career Planning
- 7,8,9,10 Auto-Graded
$2.00 / Classroom
Classifying To Career Clusters - Drag And Drop
A drag and drop activity to classify different careers into the given set of clusters
- Career Planning
- 7,8,9,10 Auto-Graded
$3.00 / Classroom
Comparison Shopping
Students will understand the importance of comparison shopping and then will find three different websites from where they can purchase a laptop, smartphone, and headset of the model they like. They will compare each website in terms of price, star rating, and warranty offered.
- Budgeting
- 7,8,9,10 Auto-Graded
Budgeting - Classify Expenses
Students will sharpen their budgeting and categorization skills by sorting given expenses into predefined budget categories through a user-friendly drag-and-drop interface.
- Budgeting
- 7,8,9,10 Auto-Graded
Americans Average Monthly Expenses
Students will read a graph showing the average monthly expenses of Americans and answer the review questions. Students will also adjust the budget to cover an unforeseen incident.
- Budgeting
- 7,8,9,10 Auto-Graded
$3.00 / Classroom
Create Your Semester Budget: Digital Worksheet
This is a digital budgeting worksheet that students can use to set their short and long-term goals, list incomes and expenses, categorize each expense, and reserve money to achieve goals.
- Budgeting
- 7,8,9,10 Auto-Graded
$3.00 / Classroom
Community Kitchen - Weekly Budget
Students will calculate the total cost of all ingredients needed for one Christmas meal They will then find out the total number of meals that can be prepared in a community kitchen for Christmas Day with a budget of $5000.
- Fractions,Ratios & Proportions,Budgeting
- 6,7,8,9,10 Auto-Graded
$3.00 / Classroom
Budgeting For Thanksgiving Feast
Students will calculate the total cost of all ingredients needed for one Thanksgiving meal and then find out the total number of meals that can be prepared in the community kitchen for Thanksgiving Day using the initial $1000 given to them.
- Numbers & Operations,Fractions,Ratios & Proportions,Budgeting
- 5,6,7,8 Auto-Graded
$3.00 / Classroom
Bake And Share: A Budget-friendly Christmas Cake
The activity revolves around the concept of baking a Christmas cake on a tight budget compared to the cost of purchasing one from a store. Students will be guided through ingredient conversions, cost calculations, and the joy of creating a homemade treat.
- Fractions,Ratios & Proportions,Budgeting
- 6,7,8,9,10 Auto-Graded
Analyzing Inflation Data
Students will analyze the line graph showing the percentage change in prices of ten products from 1997 to 2022 and then answer some review questions.
- Budgeting
- 7,8,9,10 Auto-Graded
$3.00 / Classroom
Home Loan Simulation
Students will be given a profile with total savings, monthly salary, etc. and then they have to choose the down payment, points to purchase, and the loan duration to purchase a house.
- Budgeting,Home Loan
- 7,8,9,10 Auto-Graded
$2.00 / Classroom
Budgeting For Discretionary & Non-discretionary Expenses
Students will design a monthly budget by allocating the given salary for different discretionary expenses but still trying to save at least 10% of their salary for the future.
- Budgeting
- 7,8,9,10 Auto-Graded
$2.00 / Classroom
Analyzing John's Budget
Students will read and understand the budget of a hypothetical person, Mr. John, categorize each expense into different categories, analyze the expense chart and answer some review questions.
- Budgeting
- 7,8,9,10 Auto-Graded
$2.00 / Classroom
Start Saving Early
Students will explore the total interest that can be earned by launching saving endeavors at different ages with a goal of retiring at the age of 65.
- Saving,Investment
- 7,8,9,10 Auto-Graded
$3.00 / Classroom
Risk-reward Analysis In Investment
Students will choose any of the 5 investment schemes from a drop-down, find out the possible returns after 30 years, and the possible risk of losing all money by the end of 30 years.
- Saving,Investment
- 7,8,9,10 Auto-Graded
$2.00 / Classroom
How Banks Pay Interest On Your Savings?
Students are frequently puzzled by how banks manage to pay interest on the money they hold in deposits and, at the same time, generate profits. Through this worksheet, students will find that banks make profit by lending money as loans.
- Saving
- 7,8,9,10 Auto-Graded
$3.00 / Classroom
Recurring Monthly Deposits - Compounding Effect
Students will use an Interactive Worksheet to realize the effect of savings account duration on compound interest earned. They will explore how an extra small contribution can lead to a bigger interest due to compounding.
- Saving,Investment
- 7,8,9,10 Auto-Graded
$2.00 / Classroom
Savings: Taking Inflation Into Account
Students will understand that if they don't invest their money, the value of money will reduce over time due to inflation.
- Saving,Investment
- 7,8,9,10 Auto-Graded
$2.00 / Classroom
Simple Interest: Saving For Your Dream House
Students will use the simple interest formula and its variations to find the interest, principal to be deposited, and the interest rate they should be looking for to get $100,000 after 10 years for their dream house.
- Numbers & Operations,Fractions,Ratios & Proportions,Saving,Investment
- 6,7,8,9,10 Auto-Graded
$2.00 / Classroom
Simple Vs. Compound Interest: Power Of Compounding
The main goal of this worksheet is to help students understand the impact of compounding. Through a graphical method, they will learn the difference between simple and compound interest. Furthermore, as the investment duration increases, they will grasp the effect of compounding.
- Saving,Investment
- 7,8,9,10 Auto-Graded
$3.00 / Classroom
Investment Simulation: Diversifying For Profit
Students will run a simulation in which they need to spread the initial money of $10,000 across the shares of three companies that have varying risks and returns. The simulation will run for 50 years, showing the share price each year. The target is to make a profit of $20,000 at the end of the simulation.
- Investment
- 7,8,9,10 Auto-Graded
$2.00 / Classroom
Analyzing Microsoft, Tesla And Apache Stock
Students will analyze the change in share prices of three stocks - Microsoft, Tesla, and Apache Corporation - over a 10-year period. They will understand that not every stock will give positive returns and the importance of timing in the market.
- Investment
- 7,8,9,10 Auto-Graded
$2.00 / Classroom
Start Saving Early
Students will explore the total interest that can be earned by launching saving endeavors at different ages with a goal of retiring at the age of 65.
- Saving,Investment
- 7,8,9,10 Auto-Graded
$2.00 / Classroom
How Shares Work And How Events Affect Share Prices
Students will witness that the share price of a company, and to the market in general, can be influenced considerably by various series of events.
- Investment
- 7,8,9,10 Auto-Graded
$3.00 / Classroom
Risk-reward Analysis In Investment
Students will choose any of the 5 investment schemes from a drop-down, find out the possible returns after 30 years, and the possible risk of losing all money by the end of 30 years.
- Saving,Investment
- 7,8,9,10 Auto-Graded
Sample Investment Opportunity
Students will analyze the share prices of Lowe's over the last 23 years, understand the trend and patterns in the share price, and through review questions, they will realize the benefit of investing early.
- Investment
- 7,8,9,10 Auto-Graded
$3.00 / Classroom
Stock Market Simulation
Students will participate in a simulated stock market, where they can actively buy and sell shares of an electric car company over a span of 360 days. Students will encounter various market events that influence share prices, presenting them with opportunities and challenges
- Investment
- 7,8,9,10 Auto-Graded
$3.00 / Classroom
Recurring Monthly Deposits - Compounding Effect
Students will use an Interactive Worksheet to realize the effect of savings account duration on compound interest earned. They will explore how an extra small contribution can lead to a bigger interest due to compounding.
- Saving,Investment
- 7,8,9,10 Auto-Graded
$2.00 / Classroom
Savings: Taking Inflation Into Account
Students will understand that if they don't invest their money, the value of money will reduce over time due to inflation.
- Saving,Investment
- 7,8,9,10 Auto-Graded
$2.00 / Classroom
Savings Vs Investment: Understanding The Difference
Students will invest the same amount of money in one savings scheme and two investment schemes and understand how they perform for different durations.
- Investment
- 7,8,9,10 Auto-Graded
$2.00 / Classroom
Invest For The Long Term - Risk Management
Students will analyze the share prices of a company called Chipotle Mexican Grill over a period of eight years, and through prompt questions, they will understand the benefit of investing for the long term.
- Investment
- 7,8,9,10 Auto-Graded
$2.00 / Classroom
Simple Interest: Saving For Your Dream House
Students will use the simple interest formula and its variations to find the interest, principal to be deposited, and the interest rate they should be looking for to get $100,000 after 10 years for their dream house.
- Numbers & Operations,Fractions,Ratios & Proportions,Saving,Investment
- 6,7,8,9,10 Auto-Graded
$2.00 / Classroom
Simple Vs. Compound Interest: Power Of Compounding
The main goal of this worksheet is to help students understand the impact of compounding. Through a graphical method, they will learn the difference between simple and compound interest. Furthermore, as the investment duration increases, they will grasp the effect of compounding.
- Saving,Investment
- 7,8,9,10 Auto-Graded
$2.00 / Classroom
Create Your Mutual Fund - Simulation
Students will pick 3 stocks from a list of 10 by looking at their historical performance graph to create a mutual fund. The simulation will run for another 10 years and show how their fund is performing.
- Investment
- 7,8,9,10 Auto-Graded
$2.00 / Classroom
Hospital Expenses - The Need For Health Insurance
Students will read and analyze the hospital expenses for different treatments and for the hospital stays in different states for an uninsured individual. Students will answer review questions and understand the importance of health insurance.
- Insurance
- 7,8,9,10 Auto-Graded
$2.00 / Classroom
Renters Insurance: Analyzing Sample Policy
Students will read and understand a sample renters insurance policy, add add-ons using interactive controls, and finally answer review questions.
- Insurance
- 7,8,9,10 Auto-Graded
Analyzing Homeowners Insurance
Students will read and understand a sample homeowner's insurance, understand the coverage details, premium, deductible etc.
- Insurance
- 7,8,9,10 Auto-Graded
$2.00 / Classroom
Health Insurance: Comparing Plans
Students will compare and contrast two health insurance plans, they will analyze the deductibles, coinsurance, copay etc., and then will answer review questions.
- Insurance
- 7,8,9,10 Auto-Graded
$2.00 / Classroom
Insurance: Categorize Risks
In this activity, students will categorize different unforeseen events that can happen to their House, Car, Health, and Travel, along with typical expenses.
- Insurance
- 7,8,9,10 Auto-Graded
With And Without Insurance - The Need For Home Insurance
Students will evaluate 10 events happening across 10 years of two Interactive Worksheets - One with insurance and one without insurance. The activity helps students understand the benefits of insuring in the event of an unanticipated occurrence.
- Insurance
- 7,8,9,10 Auto-Graded
$2.00 / Classroom
Auto Insurance: Analyzing The Declaration Page
Students will read and understand the declaration page of auto insurance. They will understand key components like premiums, deductibles, coverage, etc. The review questions will make sure that students understand the need for auto insurance.
- Insurance
- 7,8,9,10 Auto-Graded
$2.00 / Classroom
Insurance Pooling: How Insurance Companies Make Profit
Students will understand the concept of insurance pooling and will calculate the total profit of a fictitious auto insurance company in an year.
- Insurance
- 7,8,9,10 Auto-Graded
$3.00 / Classroom
Choosing Your Car Insurance
Students will pick any one of the four car insurance plans, see the coverage details and the premium to be paid. Then they will a series of events happening to their car over four years and find out how the insurance policy they selected is helping.
- Insurance
- 7,8,9,10 Auto-Graded
Taxes: Government Spending Analysis
Students will classify (drag and drop) different government expenses into six categories given. Students will understand that the government spends trillions of dollars in different sectors, and the money required for this is coming from taxation.
- Taxes
- 7,8,9,10 Auto-Graded
$2.00 / Classroom
Taxes: W-2 Form Analysis
Students will read and understand what a W-2 form is and a sample W-2 form and then answer some review questions.
- Taxes
- 7,8,9,10 Auto-Graded
$2.00 / Classroom
Familiarizing Progressive Tax
Students will engage in real-world financial calculations as they determine the federal income tax owed by four individuals, each with varying income levels. The exercise explores the progressive tax structure and its implications on tax liability.
- Taxes
- 7,8,9,10 Auto-Graded
$2.00 / Classroom
Taxes: Paystub Analysis
Students will read and discern sections of a given paystub of an employee, learn about the various taxes paid, and answer review questions to reinforce their understanding of where the money goes.
- Taxes
- 7,8,9,10 Auto-Graded
$2.00 / Classroom
Standard Deduction: Tax Calculation
Students will look up the progressive tax brackets table, and standard deduction table to calculate the taxes to be paid by four individuals with different income and filing status.
- Fractions,Ratios & Proportions,Taxes
- 7,8,9,10 Auto-Graded
$3.00 / Classroom
Driving Home: Car Loan Simulation
Students will pick a car of their choice from the given list, then adjust the down payment and loan duration, and observe how these adjustments affect both the total interest paid and the monthly payment.
- Car Loan
- 7,8,9,10 Auto-Graded
Car Loan - Effect Of Loan Duration
Students will record the monthly payments and total interest to be paid for different given loan durations using loan duration slider.
- Car Loan,Home Loan,Credits
- 7,8,9,10 Auto-Graded
$2.00 / Classroom
Leasing Vs Buying A Car With Loan
In this worksheet, students will read the lease details of the Toyota Camry 2023 and answer review questions based on the lease details. Then students will consider the option of buying a new Camry but with a loan and compare and contrast to see which is better.
- Car Loan
- 7,8,9,10 Auto-Graded
$2.00 / Classroom
Amortization Schedule Of A Car Loan
Students will read and understand the amortization schedule of a car loan (tabular and graphical format), change the loan duration to see how it affects the amortization table, and finally answer some review questions.
- Car Loan
- 7,8,9,10 Auto-Graded
$2.00 / Classroom
Monthly Loan Payment Calculation
Students will calculate the monthly loan payment amount for different principals, interest rates, and durations using the given formula.
- Algebra,Numbers & Operations,Expressions & Equations,Car Loan,Home Loan
- 7,8,9,10 Auto-Graded
Car Loan - Effect Of Loan Duration
Students will record the monthly payments and total interest to be paid for different given loan durations using loan duration slider.
- Car Loan,Home Loan,Credits
- 7,8,9,10 Auto-Graded
$3.00 / Classroom
Renting Vs. Owning A House
Students will compare the overall cost of renting vs. owning a house for different durations of stay. They will answer prompt questions to understand which is better in the given context.
- Home Loan
- 7,8,9,10 Auto-Graded
Amortization Graph Analysis
Students will adjust the interest rate slider and loan duration slider to see how the amortization graph changes. They will understand that, in the initial months, a huge portion of their monthly payment goes to interest.
- Home Loan
- 7,8,9,10 Auto-Graded
$2.00 / Classroom
Monthly Loan Payment Calculation
Students will calculate the monthly loan payment amount for different principals, interest rates, and durations using the given formula.
- Algebra,Numbers & Operations,Expressions & Equations,Car Loan,Home Loan
- 7,8,9,10 Auto-Graded
Data Analysis - Average Cost Of Houses
Students will analyze two data tables related to home values in different states and change in values across years, they will answer review questions and understand the importance of housing cost in personal finance.
- Statistics,Home Loan
- 7,8,9,10 Auto-Graded
$3.00 / Classroom
Home Loan Simulation
Students will be given a profile with total savings, monthly salary, etc. and then they have to choose the down payment, points to purchase, and the loan duration to purchase a house.
- Budgeting,Home Loan
- 7,8,9,10 Auto-Graded
$3.00 / Classroom
Understanding Mortgage Loan Parameters
Students will understand how different parameters like principal, APR, loan duration, and points are related. And then choose the optimal parameter for a given situation.
- Home Loan
- 7,8,9,10 Auto-Graded
$2.00 / Classroom
Home Loan - Principal Only Payment
Students will learn that adding a small extra payment to their monthly mortgage payment will reduce the interest and loan duration to a large extent.
- Home Loan
- 8,9,10 Auto-Graded
$2.00 / Classroom
Amortization Schedule-mortgage Loan
Students will analyze the amortization schedule of a mortgage loan for different loan durations and answer review questions.
- Home Loan
- 7,8,9,10 Auto-Graded