Skip to content
PlayOwl

History, Civics & Social Studies · Grade 12

Personal Finance and Consumer Decisions

A compact survey of the financial documents and decisions young adults meet first. With fictional people and numbers, learners read a pay stub, interpret a loan disclosure (APR, finance charge, total of payments), check lease and contract terms, compare warranties and return policies, calculate total cost of ownership and use present value to compare offers that pay at different times. The Personal Finance and Economics elective covers these topics in more depth.

  • 4 lessons
  • About 135 minutes
  • Consumer decisions check: 9 questions
  • Ways to answer: choose an answer, highlight a text, match pairs, type a number, sort into groups and true or false
See plans Included with Family, Teacher and School plans. Open in PlayOwl

What learners will discover

  • Read a pay stub and calculate payroll deductions and net pay.
  • Interpret a loan disclosure and calculate the finance charge and total cost of borrowing.
  • Identify key terms in leases, contracts, warranties and return policies.
  • Compare options using total cost of ownership and present value.

Lessons

  1. Reading a pay stub 4 steps3 practiceabout 32 min
  2. Loan disclosures 4 steps3 practiceabout 34 min
  3. Contracts, warranties and returns 4 steps3 practiceabout 33 min
  4. Total cost and present value 5 steps3 practiceabout 36 min
  5. Consumer decisions check 9 questions at the end

Keep exploring

More 12th grade social studies

Guide for grown-ups