Secondary School Programs :: JA Personal Finance®


JA Personal Finance focuses on earning and spending money wisely through budgeting, saving and investing money, using credit cautiously and protecting one's personal finances.


It is a series of five sessions recommended for students in Form One to Form Five. The average time for each Session is 45 minutes.


The objectives listed beside each activity state the skills and knowledge students will gain.


Session One: Plan to Earn

Students learn that healthy personal finances take planning and managing. They begin to analyse major life events and issues that have financial implications.


Students will be able to:

  • Recognise the role income plays in personal finances.
  • Evaluate the effect their educational choices have on lifetime earnings.
  • Describe the importance of planning in making financial decisions.

Session Two: Saving for Life

Students analyse the role saving plays in their personal finances and how having a healthy savings plan is necessary in all phases of life.


Students will be able to:

  • Recognise high-dollar items and unexpected costs that require savings.
  • Review key concepts related to successfully saving money.

Session Three: Budget Game

Students investigate budgeting and why many people have difficulty staying within a budget.


Students will be able to:

  • Recognise the importance of making and keeping a spending plan.
  • Consider the wide range of expenditures that might make up a monthly budget.

Session Four: Credit Choices

Students analyse the importance of credit and the outcomes of wise and poor use of credit.


Students will be able to:

  • Recognise the importance of credit as part of personal finances.
  • Express the need to make good credit decisions to avoid costly consequences.

Session Five: Savvy Consumer

Groups work together to create public service announcements (PSAs) to inform each other of risks they could face in their finances and identify ways to protect themselves from potential loss.


Students will be able to:

  • Recognise potential risks to their personal finances.
  • Describe appropriate preventive methods to limit potential losses.


To request a program in your school, please click here.

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