Personal Financial Literacy Materials Approved November 2012 and Earlier

The Texas Education Code (TEC) requires instruction in personal financial literacy in K-8 mathematics instruction and in one or more courses offered for high school graduation.  

Starting with the 2016-2017 school year, each school district and open-enrollment charter school that offers a high school program must provide Personal Financial Literacy (PFL) as a one-half credit high school social studies elective course. The standards for this course are in 19 TAC Chapter 113, Texas Essential Knowledge and Skills for Social Studies, Subchapter C, High School, §113.49, Personal Financial Literacy (One-Half Credit), Adopted 2016.

Districts may use the list of Personal Financial Literacy materials listed below, which were approved by the State Board of Education (SBOE). Please note that these materials were approved before the adoption of §113.49, Personal Financial Literacy; therefore they may not align with the TEKS for the required PFL course.

Areas of Instruction

The areas of instruction shown below are approved by the State Board of Education (April 28, 2006; July 7, 2006; November 16, 2007; May 22, 2009; September 17, 2010; and November 16, 2012).

A. understanding interest, avoiding and eliminating credit card debt
B. understanding the rights and responsibilities of renting or buying a home
C. managing money to make the transition from renting a home to home ownership
D. starting a small business
E. being a prudent investor in the stock market and using other investment options
F. beginning a savings program and planning for retirement
G. bankruptcy
H. the types of bank accounts available to consumers and the benefits of maintaining a bank account
I. balancing a check book
J. the types of loans available to consumers and becoming a low-risk borrower
K. understanding insurance
L. charitable giving
M. completing the application for federal student aid provided by the United States Department of Education
N. methods of paying for college

Program (Outside Sources)

Areas of Instruction

 

A

B

C

D

E

F

G

H

I

J

K

L

M

N

American Bankers Association Education Foundation
Get Smart about Credit eLearning
Get Smart about Credit
http://www.aba.com/Engagement/Pages/financialed.aspx

x

x

  

x

x

 

x

 

x

 

x

 

 

American Bankers Association Education Foundation
Teach Children to Save
http://www.aba.com/Engagement/Pages/financialed.aspx

x

  

x

x

x

 

x

x

x

 

x

 

 

American Financial Services Association Education Foundation (AFSAEF)
MoneySKILL®
http://www.afsaef.org/

x

x

x

x

x

x

x

x

x

x

x

 

 

 

Aztec Software
Financial Literacy from Aztec Software
http://www.aztecsoftware.com/products-services/

x

x

x

x

x

x

x

x

x

x

x

x

 

 

Bank of America
Your Financial Future – Level 3
https://www.nfte.com/sites/default/files/finance_levelthree.pdf

x

    

x

 

x

  

x

x

 

 

Better Business Bureau Education Foundation
Young Consumer Advocate Program
https://www.bbb.org/houston/programs-services/bbb-education-foundation/

x

     

x

     

 

 

Center for Consumer Law
Know Your Rights
https://www.law.uh.edu/ccl/leadership.asp

x

 

x

  

x

x

x

x

x

  

 

 

Center for Student Credit Card Ed., Inc.
The ABCs of Credit Card Finance
http://www.theabcsofcredit.com/index.html#/Home-01-00/

x

           

 

 

Citigroup (“Citi”)
Citigroup Financial Education Program
http://www.citigroup.com/citi/citizen/community/curriculum/adults.htm

x

   

x

x

x

x

x

x

  

 

 

ClearPoint Financial Solutions, Inc.
Financial Firsts™
http://www.clearpoint.org/financial-firsts-for-teachers/

x

x

x

x

 

x

x

x

x

x

x

x

 

 

Council for Economic Education
Financial Fitness for Life, Learning, Earning, and Investing
http://fffl.councilforeconed.org/

x

 

x

x

x

x

x

x

    

 

 

Dave Ramsey's Office
Dave Ramsey’s Foundations in Personal Finance
http://www.daveramsey.com/homepage/family/

x

x

x

x

x

x

x

x

x

x

x

x

 

 

Federal Deposit Insurance Corporation
Money Smart
https://www.fdic.gov/consumers/consumer/moneysmart/young.html

x

x

x

  

x

 

x

x

x

  

 

 

Federal Reserve Bank of Dallas
Building Wealth in the Classroom (updated 2009)
https://www.dallasfed.org/microsites/cd/wealth/index.html

x

 

x

x

x

x

 

x

 

x

  

 

 

Film Ideas, Inc.
Biz Kid$ (26-part DVD and streaming)
http://www.filmideas.com/?film=flbe 
https://www.dcmp.org/accessible-television/3-bizkid

x

  

x

x

x

x

x

x

  

x

 

 

Film Ideas, Inc.
FI Channels: Financial Literacy Streaming Service
http://www.filmideas.com/?film=flbe

x

x

 

x

x

x

x

x

x

x

x

x

 

 

Film Ideas, Inc.
Life Skills Series (12-part DVD)
https://filmideas.com/index.php

x

x

x

x

x

x

 

x

x

   

 

 

First Command Educational Foundation
Money Matters
https://www.fcef.com/education/education-resources-3/

x

x

x

x

x

x

x

x

x

x

x

x

 

 

FoolProof Financial Education Systems, Inc.
FoolProof for High Schools (updated 2009)
http://www.foolproofteacher.com/

x

      

x

x

x

  

 

 

Foundation for Investor Education &
Texas Council for Investor Education
Stock Market Game Program
http://smg.economicstexas.org/

    

x

x

      

 

 

Green Path, Inc.
The “Banking Is” Program
http://www.greenpath.com/community-partners/schools

x

x

x

x

 

x

x

x

x

x

  

 

 

Holt, Rinehart, and Winston
Civics in Practice

x

    

x

    

x

x

 

 

Holt, Rinehart, and Winston
Economics

x

x

x

x

x

x

x

x

x

x

x

x

 

 

IBAT Education Foundation
IBAT Financial Education Clearinghouse for  Kids, Teachers, Parents, Bankers
http://www.ibat.org/foundation

x

x

x

x

x

x

x

x

x

x

x

x

 

 

Internal Revenue Service
Understanding Taxes
https://apps.irs.gov/app/understandingTaxes/

   

x

x

x

x

     

 

 

Investor Protection Trust
FL 2010
http://www.investorprotection.org/

x

 

x

 

x

x

 

x

  

x

 

 

 

Junior Achievement
Economics
JA Economics Link

x

  

x

x

x

 

x

  

x

 

 

 

Junior Achievement
Personal Finance
JA Personal Finance Link

x

x

x

x

x

x

x

x

  

x

 

 

 

Junior Achievement
JA Finance Park
JA Finance Park Link

x

x

x

 

x

x

 

x

x

 

x

x

 

 

The Lampo Group Inc./Dave Ramsey’s Office
Foundations in Personal Finance
https://www.daveramsey.com/school/foundations/  

x

x

x

 

x

x

x

x

x

x

x

x

 

 

Muriel F. Siebert Foundation
Personal Finance Program: Taking Control of
 Your Financial Future (updated 2009)
https://www.siebertnet.com/get-started/about/company/pfp

x

x

x

x

x

x

x

x

x

x

x

x

 

 

National Endowment for Financial Education (NEFE)
Texas AgriLife Extension Service
Texas Credit Union Foundation (TCUF)
NEFE High School Financial Planning Program, 2007 Edition
http://www.hsfpp.org/

x

  

x

x

x

x

x

x

x

x

 

 

 

National Endowment for Financial Education
NEFE High School Financial Planning Program
http://www.hsfpp.org/

x

  

x

x

x

x

x

 

x

x

x

 

 

Operation HOPE, Inc.
Banking on Our Future
https://www.operationhope.org/banking-on-our-future

x

   

x

x

 

x

x

x

  

 

 

Red & Black Books, L.L.C.
What I Learned About Life When My Husband Got Fired!
Publisher: Red & Black Books L.L.C.

x

x

x

x

x

x

x

x

x

x

x

x

 

 

Remar Sutton & Associates
FoolProof Initiative
http://www.foolproofme.com/reports/remar-sutton

x

x

x

x

 

x

x

x

x

x

  

 

 

Remtech Inc.
TimeMaps: Money, Management & Life Skills
http://www.timemaps.biz/

x

x

x

x

x

x

x

x

x

x

x

 

 

 

Rising Books
Financial Literacy for Teens – Student Book

x

x

x

 

x

x

    

x

x

 

 

Skills for Living, Inc.
Game of Real Life
http://www.gameofreallife.org/

x

x

x

x

x

x

x

x

x

x

x

x

 

 

Star Telegram/NIE
Life is Expensive
http://nieonline.com/star_telegram/ 

 

x

x

 

x

x

 

x

  

x

x

 

 

Star Telegram
Project Money$mart
http://nieonline.com/star_telegram/

x

  

x

x

x

 

x

    

 

 

Star Telegram/NEFE
NEFE newspaper feature
http://nieonline.com/star_telegram/

x

   

x

x

x

   

x

 

 

 

State Bar of Texas Bankruptcy Section
Money Wise
http://www.moneywisetx.com/

x

x

   

x

x

 

x

x

  

 

 

The Texas State Securities Board
The Basics of Savings and Investing: Investor
 Education 2020
https://www.ssb.texas.gov/investors

x

 

x

 

x

x

      

 

 

TG (Texas Guaranteed Student Loan Corporation)
Financial Literacy Coordinator
http://www.tgslc.org/financial-education/

x

   

x

x

x

x

 

x

x

 

 

 

Visa USA
Practical Money Skills for Life
https://www.practicalmoneyskills.com/foreducators/lesson_plans/highschool.php

x

x

x

x

x

x

x

x

x

x

x

 

 

 

Wells Fargo
Hands On Banking - El futuro en tus manos  (updated 2010)
http://www.handsonbanking.org/en/

x

x

x

x

x

x

x

x

x

x

x

x

 

 

EverFi Financial Literacy Platform
EverFi, Inc.
https://everfi.com/k12/everfi-k-12-finliteracy/

x

x

x

 

x

x

 

x

x

x

x

 

x

x