JA Personal Finance ® - Blended Model


JA Personal Finance - Blended Model demonstrates the relationship between financial decisions made now and future financial freedom and quality of life. Students learn that a positive financial future requires management strategies, including career exploration, budgeting, savings, wise use of credit, savvy shopping, consumer protection, and investment strategies.

JA Personal Finance is a series of activities recommended for students in high school. The average time for each activity is 45 minutes and the program is delivered to students through an online Learning Management System (LMS).

To accommodate the variety of technology available in schools, a high-tech and low-tech version of each session is available. The program consists of eight sessions and offers two implementation options—Basic or Advanced.

  • Basic implementation includes Sessions One through Five delivered by the volunteer.
  • Advanced implementation includes Sessions One through Five delivered by the volunteer, and Sessions Six through Eight delivered by the teacher or volunteer. 
Pillars of Student Success Entrepreneurship:  Financial-Literacy:  Work-Readiness: 
Program Implementation Program Grade-Level
Classroom-Based High School
Program Concepts Program Skills
Benefits versus costs, budgeting, compound interest, consequences, cost of living, credit, credit card fraud, credit reporting and rating, debt, delayed gratification, earnings, education, expense tracking, financial management,identity theft, income, information mining, interest, investing, job skills, limited resources, liquidity, maximizing earnings, opportunity cost, pawnshop, payday loan, priorities, rent-to-own, return on investment, reward, risk, saving, savings plan, unlimited wants, variable and discretionary expenses, Analyze and evaluate data from multiple sources, car buying, comparing results, comparison shopping, computer skills, create savings plan, critical thinking, decision making, disputing unauthorized charges on a credit card, estimating, evaluate the risk and reward of an opportunity, evaluating online resources, evaluating options, evaluating personal skills, grocery shopping, interpreting analogy, long-term planning, online research, personal inventory, planning, predicting outcomes, presentation skills, prioritizing, proactive planning, problem solving, recognizing scams and fraud, requesting and checking credit report, research, saving and investing, sorting, teamwork, tracking expenses, weighing costs and benefits

Program Sessions

Session One: Money for the Long Run (volunteer-led)

Students explore three introductory questions:

• Why should they learn about personal finances?

• What are personal finances?

• What steps should be taken now to help them earn income in the future?

Session Two: Why Budget? (volunteer-led)

To understand the importance of budgeting, students answer three questions:

• What do teens spend money on?

• What is budgeting?

• Why use a budget to manage money earned from a job?

Session Three: Anatomy of a Budget (volunteer-led)

Students examine a comprehensive personal budget, including budget categories such as discretionary, fixed, and flexible.

Session Four: Breaking Even Isn't Enough (volunteer-led)

Students learn that many Americans do not save enough cash for emergencies or large purchases. Students then learn how to build financial security through a savings plan.

Session Five: Benefits and Costs of Credit (volunteer-led)

Students research credit basics and then evaluate some

credit alternatives.

Session Six: Maximize Your Money (volunteer- or teacher-led)

Students examine smart shopping techniques that will make the money they earn go further.

Session Seven: On Guard (volunteer- or teacher-led)

Students investigate potential threats from resourceful identity thieves and why it is important to know how to protect their identity and their finances.

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