Dollars and Sense Course Outline

The lessons in this course may be used in any sequence. The suggested sequence order is as follows:

All TEKS Overview

I. Management of Individual and Family Resources

A. Using resources to reach goals
B. Economic consequences

  • (1) The student demonstrates management of individual and family resources such as finances, food, clothing, shelter, health care, recreation, transportation, time, and human capital. The student is expected to:
    • (B) apply management, planning skills, and processes to organize tasks and responsibilities
    • (D) analyze the consequences of an economic decision made by an individual consumer such as the decisions to provide safe and nutritious foods, clothing, housing, health care, recreation, and transportation

II. Management of Financial Resources

A. Economic activities of consumers
B. Consumer credit
C. Credit problems
D. Lifetime financial planning
E. Savings plans
F. Financial institutions
G. Using resources of financial institutions
H. Investment principles and options
I. Insurance
J. Evaluating legal documents
K. Analyzing data

  • (2) The student demonstrates management of financial resources to meet the goals of individuals and families across the life span. The student is expected to:
    • (A) evaluate the need for personal and family financial planning, including budgeting, expense records, and maintaining economic self-sufficiency
    • (B) compare types of loans available to consumers and distinguish criteria for becoming a low-risk borrower
    • (C) connect mathematics to the understanding of interest, including avoiding and eliminating credit card debt
    • (D) collect evidence and data related to implementing a savings program, the time value of money, and retirement planning
    • (E) explore how to be a prudent investor in the stock market and other investment options
    • (G) compare types of bank accounts available to consumers and the benefits of maintaining a bank account
    • (H) demonstrate the ability to balance a check book
    • (I) investigate bankruptcy laws, including ways to avoid bankruptcy
    • (J) apply management principles to decisions about insurance for individuals and families
    • (K) evaluate personal and legal documents related to managing individual and family finances such as birth certificates, medical records, social security cards, financial records, and property record
    • (L) demonstrate the ability to use calculators, spreadsheets, computers, and software in data analysis relating to finance

III. Consumer Skills Related to Housing Needs

A. Housing Issues
B. Financing a home
C. Housing costs and skills

  • (3) The student demonstrates effective consumer skills related to housing needs. The student is expected to:
    • (A) explain consumer rights and responsibilities associated with renting or buying a home
    • (B) analyze legal and financial aspects of purchasing and leasing housing
    • (C) propose money-management skills necessary to make the transition from renting to home ownership

IV. Environment and Resources

A. Current environmental issues
B. Energy and future trends
C. Conversation
D. Government of environmental resources

  • (4) The student analyzes the relationship of the environment to family and consumer resources. The student is expected to:
    • (A) analyze individual and family responsibilities in relation to environmental trends and issues
    • (B) summarize environmental trends and issues affecting families and future generations
    • (C) demonstrate behaviors that conserve, reuse, and recycle resources to maintain the environment
    • (D) explain government regulations for conserving natural resources

V. The Consumer and the Economic System

A. Consumer rights and responsibilities
B. Personal aspects of consumer choices
C. Impact of media and technology on consumer choices
D. Impact of government regulations
E. Impact of taxation
F. Charitable giving

  • (1) The student demonstrates management of individual and family resources such as finances, food, clothing, shelter, health care, recreation, transportation, time, and human capital. The student is expected to:
    • (A) analyze the economic rights and responsibilities of individuals as consumers
    • (C) develop and apply multiple strategies for individuals and families to make choices to satisfy needs and wants
    • (E) analyze the impact of media and technological advances on family and consumer decisions
  • (2) The student demonstrates management of financial resources to meet the goals of individuals and families across the life span. The student is expected to:
    • (F) investigate the benefits of charitable giving
  • (5) The student analyzes relationships between the economic system and consumer actions. The student is expected to:
    • (A) analyze economic effects of laws and regulations that pertain to consumers and providers of services
    • (B) identify types of taxes at the local, state, and national levels and the economic importance of each

VI. Careers in Consumer Services

A. Career planning
B. Careers in consumer services
C. Success in the workplace
D. Professional organizations

  • (6) The student integrates knowledge, skills, and practices required for careers in consumer services. The student is expected to:
    • (A) explain the roles and functions of individuals engaged in consumer services careers
    • (B) analyze opportunities for employment and entrepreneurial endeavors
    • (C) summarize education and training requirements for consumer services careers
    • (D) investigate professional organizations for consumer service

All TEKS Review

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