Texas TEKS Personal Financial Literacy & Economics PFL&E Semester Course – EXPANSION BUNDLE

Description

If you already bought my BEST SELLING Personal Finance Course High School Curriculum and you want to UPGRADE that course to make it compliant with the Texas TEKS §113.76 Standards for Personal Financial Literacy & Economics required for Texas high schools – this BUNDLE IS FOR YOU!

👀 Looking for my FULL SEMESTER TEXAS TEKS Personal Financial Literacy & Economics (PFL&E) Course?

This curriculum adds about 30 lessons and actvities to my Personal Finance Course to meet the Texas requirement for a one-half credit PFL&E class, with approximately two-thirds personal financial literacy instruction and one-third economics instruction, exactly as outlined in the TEKS.

✅ Perfect for 9th, 10th, 11th and 12th grades (Texas High Schools)

⭐ Course Focus & Purpose

Students learn to think like economists while applying those same decision-making skills to their personal finances. Throughout the course, students analyze how scarcity, opportunity cost, markets, government policy, income, saving, investing, credit, and risk impact both individuals and the broader economy.

This course prepares students to:

• Manage money responsibly
• Make informed financial decisions
• Understand how personal choices affect long-term financial stability
• Connect personal finance decisions to economic systems

All 10 strands of Chapter 113.76 of the TEKS standards for Personal Financial Literacy & Economics class are covered:

1. Economics Fundamentals
2. Macroeconomic and Government Policies
3. Investing in Education & Skills
4. Earning Income
5. Entrepreneurship
6. Spending and Budgeting
7. Credit and Debt
8. Saving and Investing
9. Protecting and Insuring
10. Personal Financial Literacy Skills

Course Content Overview:

Economics Foundations

• Introduction to Economics
• Scarcity, Choice, and Opportunity Cost
• Role of Economics in Decision Making
• Cost and Benefits
• Production Possibilities Curve
• Circular Flow Model
• Supply and Demand
• Market Equilibrium, Shortages, and Surpluses
• Commodities
• Economic Incentives
• Wants vs Needs
• Goods vs Services

Macroeconomics & Government Policy

• Progressive and Regressive Taxes
• Free Enterprise System
• Fiscal and Monetary Policy
• Inflation, Unemployment, and Economic Growth
• Federal Reserve

Personal Financial Literacy

• Student Loan Debt, Grants, and Paying for Schooling and Training
• FASFA and TASFA Forms
• College Costs / Reality Check
• Tips to Cut College Costs
• Income Sources and Employee Benefits (Career and Income)
• Reasons Why Wages Vary Within an Occupation
• Post-Secondary Degrees Discovery Board
• Types of Business Ownership
• Types of Entrepreneurs
• Pros and Cons of Becoming an Entrepreneur
• Spending Decisions and Budgeting
• Smart Goals
• Steps in Financial Planning
• Consumer Shopping Habits
• Cash Apps
• Creating a Budget using Percentages
• Creating a Budget using the 50/30/20 Rule
• Excel Budget Template Analysis
• Holiday Budgeting Activity
• What Do Teens Spend Their Money On?
• Guilty Pleasures – Wants vs Needs
• Big Bank Analysis
• Banks vs Credit Unions
• Types of Bank Accounts
• Writing a Check / Endorsing a Check
• Banking Charges
• Outstanding Checks
• Credit Scores, Loans, Credit Cards, Debt, and Bankruptcy
• FICO Discovery Lesson
• Most Common Credit Score Mistakes
• Factors that Can Lead to Bankruptcy
• Credit Score Factors
• Monitoring Your Credit
• Credit Card Basics
• Credit Card Advice for Teen
• Types of Loans
• Teens and Credit Cards
• Truth in Lending Act
• 5 Things Teens Need to Know About a Job
• The W-4, W-2, and the 1040 Explained
• Federal, State, and Local Income Taxes
• Types of Taxes
• Payroll Taxes and Payroll Deductions
• Buying a Car and Car Expense
• Car Buying Activity
• Types of Auto Insurance
• Housing: Renting/Leasing vs. Owning a Home
• Home Buying Expenses
• Steps in Buying a Home
• Home Buying Spreadhseet Activity
• Real Estate Reality Check Activity
• Homeowners Insurance
• Home Buying Project
• Investing 101
• Saving as a Teen
• Risk and Return
• Compund Growth & Rule of 72
• Pre and Post Tax Investments
• Building an Emergency Fund
• Future Me at 63 – Retirement Savings Project
• Identity Theft
• What is insurance and insurance components
• Heath Insurance Discovery File
• 4 Types of Insurance Everyone Needs
• Life Insurance
• Insurance WebQuest
• White Collar Crime
• Taste Test – Name Brand vs Store Brand
• Federal Agencies that Protect Consumers
• Navigating Meat Labels
• Financial Advice for Teens from Experts
• Fun Activities and Bulletin Boards including:
• Map Tax Facts: Collaborative Activity and Bulletin Board – Explore various types of taxes and how they vary by state
• Free Enterprise Economic System What is a free enterprise system? A March-themed (St. Patrick’s Day) bulletin board included
• Budgeting and Planning a Road Trip Budgeting Activity: Invaluable real-life lessons on travel costs.
• Consumer Spending and Buying Habits: A great lesson to do around the Christmas Holiday Shopping season. What makes people spend money? Shopping Behaviors Explained; Diderot Effect Explained; Psychological Shopping; Tips to Keep Spending Under Control
• The Cost of Coffee – A consumer spending and applied math lessons and so much more!
• Bonus Digital Lesson: Financial Advice for Teens from Experts!

️⚠️ PLEASE UNDERSTAND – You are only getting ALL the above lesson if you already own my Personal Finance Course High School Curriculum. This is an Expansion Pack ONLY!⚠️

👉 All TEKS are addressed across lessons, projects, and activities.

❤️ Why Texas Teachers Will Love This Course

• NO PREP: Ready-to-use digital lessons, activities, and projects
• TEKS-Aligned: Confidence that TEKS standards are fully met
• Student-Centered: Discovery-based learning instead of lecture
• Real-World Focus: Practical skills students actually need
• Flexible Pacing: Use daily lessons, mini-units, or projects
• Assessment Built In: Projects, scenarios, reflections, and Rubrics
• Perfect for Google or Microsoft Classrooms

🏫 What Class Is This Course For❓

• Texas TEKS Personal Financial Literacy & Economics (PFL&E) High School course (1/2 credit)

✅ What’s Included❓

• Full semester-long digital curriculum
• Student Copies
• Teacher Keys
• Pacing Guides/Teaching Duration
• Video Suggestions
• Critical-thinking discussions
• Google Docs & Google Slides
  (Easily converts to Microsoft Word & PowerPoint)

⏱️ Teaching Duration: 1 semester (½ credit) when paired with my original Personal Finance Course High School Curriculum.

💡 All resource links are flattened so students cannot copy/paste answers — ensuring authentic learning and critical thinking.

🚀 A Complete, Texas-Ready Personal Financial Literacy & Economics (PFL&E) Course – My Texas Personal Financial Literacy & Economics Course equips students with the knowledge, skills, and mindset needed to lead financially responsible, economically informed lives — while giving teachers a clear, TEKS-aligned roadmap for success.💯

This FULL SEMESTER TEXAS PERSONAL FINANCIAL & ECONOMICS (PFL&E) COURSE, like all of my courses, includes student-led material. No PowerPoints needed as all of the information is included to allow the students to discover on their own or in groups and present to the class. Unfamiliar with Student Led Instruction? Watch▶️my video on Student Led Instruction for a demonstration and explanation and also read my Blog Post – Goodbye PowerPoints – Student Led Instruction is the Way to Go! You’ll do a lot less talking and you’ll get a much more ENGAGED classroom. Win! Win!

There are no tests or quizzes included in this resource to allow for teacher autonomy on student assessment. Also, ready-made tests and quizzes can be bought and easily shared on the internet by students. I always use the projects and activities within my courses bundles to evaluate and assess my students…which also saves me time grading! Another Win! Win!

⚠️Make sure to download the BONUS FILE to get the LESSON LIBRARY⚠️

30 States are now requiring Personal Finance and/or Financial Literacy: Alabama, California, Colorado, Connecticut, Delaware, Florida, Georgia, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Minnesota, Mississippi, Missouri, Nebraska, New Hampshire, North Carolina, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, West Virginia, and Wisconsin