Educator Guides Outline

Managing Money

• Making Your Money Work
• Determining What is Important
• Where Are You Now?
• Stop Spending Leaks
• Developing A Spending Plan
• Using Credit
• What is Credit and How Much Can I Afford?
• Building Savings
• Ways to Save
• How your Money can Grow
• Where to Save
• Investment Options
• Selecting A Financial Institution
• Checking and Savings Accounts
• Creating A Record System
• Keeping Records in Order and Where to Keep Records
• Determine Readiness
  • Financial Readiness and Benefits and Challenges

Renting a Home

• Decisions Before Renting
• Comparing Rental Units
• Rental Contracts
• Renters Insurance & Moving In

Home-Buying Process

• Financial Readiness
• Financial Options
• Shopping For A Mortgage
• Factors to Consider in Housing Selection
• Housing Selection
• Locating A House
• Real Estate Professionals
• The Sales Contract
• Sales Contracts
• Home Inspections
• Inspections
• Purchasing Homeowners Insurance
• Insurance
• The Mortgage Process
• IMortgage Process
• Mortgage Process II

Being a Responsible Home Owner

• Maintenance, Repairs and Home Improvements

• Financial Responsibilities

• Predatory Lending

• Financial Difficulties & High-Risk Loan Products

• Foreclosure

• Being A Good Citizen

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