Unit 3.3 · Credit and Borrowing · 25–35 minutes
Building Credit Before 18
Four legitimate ways a young person starts a credit history, and the catch in each one — including who is carrying the risk.
6th to 8th Grade · Free · With answers
8 free financial literacy worksheets for 6th to 8th grade.
The first encounters with systems a student will actually meet — a paycheck, a credit score, an index fund, an emergency. Every sheet below is a real activity, unchanged, from our K–12 curriculum — one page, with an answer page behind it.
No account. No email. Nothing collected about your child.
Unit 3.1 · How Money Systems Work · 25–30 minutes
Opportunity Cost Is Always Charged
Four choices, each with something gained and something given up — including the sensible ones. Then name a real decision from your own last month.
Unit 3.1 · How Money Systems Work · 30–40 minutes
The Time Value of Patience
Sai saves $50 a month from 15 to 25 and stops. Macon saves $50 a month from 25 to 65. Predict who has more at 65, then do the math.
Unit 3.5 · Saving and the Time Factor · 25–35 minutes
What an Index Fund Actually Is
What happens if the one company you bought fails, what happens if one company inside an index fund fails, and why simple usually beats clever.
Unit 3.4 · Spending With Strategy · 30–35 minutes
Advertising Literacy
Four real advertising lines. For each one: what it actually claims, what it proves, and what it wants you to feel. Then rewrite one honestly.
Unit 3.5 · Saving and the Time Factor · 30–35 minutes
Emergency Fund First
List five essential monthly costs, total them, then size a starter fund, a three-month fund and a six-month fund — and say why this comes before investing.
Unit 3.3 · Credit and Borrowing · 30–35 minutes
The Score That Follows You
The five things that build a credit score and what each is worth, then the same $25,000 car loan priced at three different scores.
Unit 3.2 · The Real Paycheck · 25–35 minutes
Where Did $177 Go?
Miller worked 80 hours at $15 and expected $1,200. His paycheck says $1,023. Students build the pay stub from gross to net and name who gets each deduction.
Where these come from
A 266-lesson K–12 curriculum.
Each sheet is one activity from a Financial Foundations™ unit of 10 to 12 lessons, with teacher scripts, family letters and a checkpoint.