Personal Finance


Coach Owens

School Phone Number: 931-285-2300 Ext. 4060

Room Location: Gym/Music Room

School Email:


Course Description:

The purpose of Foundations in Personal Finance is to empower students with knowledge and application of basic financial principles so that they can make sound financial decisions for life

General Classroom Guidelines (In addition to those outlined in the HUS Student Handbook):

  1. All supplies should be brought to class each day. This includes notebook, workbook, writing utensils, and any assignments due for that day.
  2. Be on time to class (In your seat when the bell rings)
  3. No food or drinks in class
  4. We will take a grade in class every day, so attendance is important. Excessive absences will impact your grade significantly.
  5. Only Blue/black pens and pencils are acceptable for completed class work. Work not completed in blue/black ink or pencils will not be graded.

Grading Policy:

Grades will be taken and calculated into a final course grade from the following assessments. The value/weight in relation to the final course grade in parenthesis.

  • Homework/ Class work (25%)
    • Homework, class work and grades taken for completed assignments including maps, worksheets, classroom activities, and workbook checks
  • Chapter Quizzes (10%)
    • Quizzes developed using the content of each chapter, with focus on understanding content covered during progression through content. Quizzes should be used to help prepare for the chapter tests.
  • Chapter Tests (20%)

                    Tests developed using content of each chapter that assesses learning over content covered during each section. These test will typically include multiple choice, fill in the blanks, matching, short answers, and true/false questions.

  • Unit Tests (20%)
    • Tests developed using the content of multiple chapters (typically 3 or 4) that assesses learning over more content. Unit tests may include more discussion-type and short answer type questioning along with questions similar to those found on quizzes.
  • Comprehensive/Final Exam (25%)
    • 9 week exams and end of term exams. Developed using all content covered during term, including content assessed on al section and chapter quizzes.

Course Rationale:

                Personal Finance is 80% behavior and 20% head knowledge. We believe that teaching teens how to take control of their money can help them avoid huge money mistakes down the road. They need to know that their financial decisions have long-term consequences. Students must learn how to budget, save, spend wisely, avoid debt, and give. Studies show that money problems are the leading cause of college students dropping out of school and of divorce in America.

                Students need to develop an education and career plan that will help them obtain and grow their income over time. This plan needs to account for the uncertain and changing market of the 21st century. While having a career plan and strong work ethic are important components of building wealth, understanding how to make money work for them through an investment and retirement portfolio is also necessary.

                Finally, winning with money also means protecting one’s wealth. Students need to understand how to manage financial risk through various types of insurance. Identity theft is the leading white collar crime in America and young adults are the biggest target. Teens must be armed with awareness of this issue and an understanding of what precautions they can take to protect their identities.

                With time and knowledge on their side, we believe that young adults can make smart financial decisions and begin to grow wealth from the start.


I am looking forward to an exciting year as your Personal Finance Teacher!


Coach Owens