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).

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

Program (Outside Sources)	Areas of Instruction
Program (Outside Sources)	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	x	x			x	x		x		x		x
American Bankers Association Education Foundation Teach Children to Save	x			x	x	x		x	x	x		x
American Financial Services Association Education Foundation (AFSAEF) MoneySKILL® https://afsaef.org/	x	x	x	x	x	x	x	x	x	x	x
Aztec Software Financial Literacy from Aztec Software	x	x	x	x	x	x	x	x	x	x	x	x
Bank of America Your Financial Future – Level 3	x					x		x			x	x
Better Business Bureau Education Foundation Young Consumer Advocate Program	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	x
Citigroup (“Citi”) Citigroup Financial Education Program	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/educate/presentations.cfm	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	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					x	x
Frost Bank Frost Financial Youth Academy dnormandin@frostbank.com 210-220-4851	x	x	x	x	x	x	x	x	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	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)	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	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	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	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 https://www.trelliscompany.org/student-financial-education-program/	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) https://www.handsonbanking.org/	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

Contact Information

Curriculum Standards and Student Support Division

For questions or additional information, please submit a Curriculum Request Form through the TEA Help Desk.

(512) 463-9581