Managing Debt Credit and Spending Lesson | English & Spanish

Students work with a fictional young adult whose spending is getting ahead of the plan. They examine what can change, what still needs checking and which trade-offs remain.

Students will:

- Connect budgeting, credit, debt and consumer decisions.

- Create a visual financial plan and explain how three decisions could affect the fictional situation.

For the teacher:

Teacher guidance and models support specific revisions rather than a simple instruction to spend less.

The package includes guided notes and vocabulary, a reading with questions, classroom activities, assessment materials and separate teacher keys. Printable PDFs come with editable Word documents and PowerPoint presentations. English-Spanish materials support the same content; paired language versions are not extra assignments.

Before class, start with the teacher guide. It identifies what to open, what students need and where to pause. Plan across multiple class periods and use the optional practice when it fits your students.

High school Economics and Personal Finance. Unit 5, Lesson 5. This lesson is also included in the Unit 5 bundle and the complete EPF curriculum; you do not need to purchase it twice.