MERLOT Materials

Through a story, this module teaches the basics of budgeting and the steps involved in building an emergency fund.

Use this infographic to help your students understand how a budget will put them on a path to meet their financial goals.

In this lesson, students distinguish between needs and wants, and practice marginal decision-making.

This video teaches students essential budgeting skills through relatable scenarios, helping them set financial goals,... see more

This reading assessment addresses how phone technology has changed our lives and our budgets.

Brian and Tracy are a couple in their mid-40's. They believe themselves to be in "ok" to "good" shape financially.... see more

This module analyzes effective and ineffective budgeting behaviors when creating a budget from a transaction history.

This site has links to a variety of calculators that have to do with personal finances. These include Net Worth... see more

Business Finance Essentials is a text designed to provide students with an opportunity to learn the fundamentals of... see more

Katrina's Classroom: Financial Lessons from a Hurricane is a four-chapter, DVD-based curriculum that teaches students... see more

This is a free, online textbook offered by Book Boon. "Managing a budget can be a very challenging activity! There are... see more

Students learn effective and ineffective budgeting behaviors, and generate a list of budgeting principles.

Introduce the concept of budgeting and the risk of spending without proper planning and thought.

This reading activity discusses earning income, budgeting, late payments, and collections. It introduces the basics of... see more

This site contains links to a number of calculators used for college financing. These include: 529 Savings Estimator,... see more

This guide book introduces economic concepts such as saving, spending, budgeting, wants, goods, services and opportunity... see more

In this animated video with associated lessons and activities, Oscar Ostrich is taught to think about his future needs... see more

In this animated video with associated lessons and activities, Olive Owl learns to improve her shopping habits through... see more

This activity introduces students to the loan process and credit reports.

This lesson describes four scenarios involving take-home pay and bank fees for students to solve.

By comparing payment methods, students can see the value of using different payment options in a variety of situations.... see more

In this reading activity, take a look at the structure and fees that make payday loans convenient, but also costly.

This lesson walks students through balancing a bank account statement and the costs of using a debit card.

This collaborative lesson focuses on the two types of bankruptcies used by consumers: Chapter 7 and 13.