Gavrilyuk Victoria Vladimirovna
Position: music and economics teacher
Educational institution: MAOU "Lyceum" Solaris "
Locality: Saratov
Material name: article
Topic:"Implementation of the course" Financial literacy "at school in the framework of the introduction of the Federal State Educational Standard".
Date of publication: 09.01.2018
Chapter: secondary education
"Implementation of the course" Financial literacy "at school
within the framework of the introduction of the Federal State Educational Standard ”.
Programs
learning
the current
Russian
education
cover
practically
life activity
a modern person, which provides high-quality training for schoolchildren
an adult
Exception
recent
was
practical preparation of students for the current economic conditions, then
there is financial literacy of children. And this despite the fact that Russia is included
to the list of countries with a high level of economic development.
2016, this gap in the educational program of schoolchildren was closed
- financial literacy lessons have been introduced in Russian schools, during which
children are not only taught to be careful with money, but also told how
you can and should defend your rights if necessary.
The treasury of worldly wisdom is rich in sayings, proverbs and
aphorisms that talk about the benefits of both saving and spending money. V
conditions of a modern economy, in a situation of inflation, our task is to teach
children correctly assess the financial situation in the constantly changing
economic conditions, not only for the conduct of future professional
activities, but also within the family.
Youth is a time of great opportunities and important financial
solutions. Therefore, it is important to improve financial literacy from an early age.
age, because there will be many important financial decisions ahead in life,
a mistake in the acceptance of which can even worsen the standard of living and postpone
important financial goals.
process
introducing lessons
financial
literacy in
first of all, it was necessary to solve two main questions:
Providing the necessary information - developing textbooks with
Training
teaching
learning
discipline.
today's
problem
preparation
quality teaching materials. The most
specialists:
banking
workers,
teachers,
financiers,
employees of the departments of management and economics, employees of educational authorities
other.
For teachers
had to
education
special courses,
got acquainted with the basics of financial and economic relations.
School
financial
literacy covers
the following
concepts and topics:
drawing up and calculating the family budget;
monetary transactions in banks and other structures;
risk-related transactions;
cash rewards;
availability of responsible authorities for financial services;
personal savings are overkill or useless;
subtleties of loans and deposits;
rights and obligations of participants in financial and economic relations;
cash flow management;
aggressive policy of banks;
assets and liabilities (income and expenses);
insurance and retirement benefits;
availability and safe use of plastic cards.
The implementation of the course is possible in various fields of education:
Project activity;
Extracurricular activities;
Integration into lesson activities;
Extracurricular work;
Social partnership.
The main aspects of the course implementation.
metasubject
intersubject,
act
Prefix
means
“Through”, “above”, that is, it means going beyond the subject; assimilation
knowledge not in itself, but in application to life situations and different
areas of human activity.
shaping
financial
literacy
schoolchildren
an example of the real application of metasubject principles in school today.
Undoubtedly, for such a vast and complex topic, new disciplines are needed, in
particular economics, which is beginning to be introduced into the curriculum. But also
basic subjects can make a great contribution to mastering the course.
Practically
use
the elements
financial literacy. Solving problems that include quantities
prices, quantities, costs, percentages, learners learn to solve theoretically
financial
Problems.
literature
going on
discussion
situations,
related
reading
works,
mentioned
various
social
financial
situations,
students
speaks out
own
formed
sustainable
understanding
the correct model of social and financial behavior. History lessons,
geography, social studies give more opportunities to include elements
financial literacy and social competence of students.
2. Teaching aids are not a dogma, but a guide to action.
Program
Financial
literacy
drawn up
so that she can easily transform.
You must understand that
the teacher does not set a goal to grow from a student
banking
employee
investment
analytics.
financial literacy is a body of BASIC knowledge in the field
finance, banking, insurance, and personal budgeting
finance,
allow
man
right
pick up
necessary
financial
evaluate,
that may arise in the course of their use, competently accumulate
saving
to define
dubious
(fraudulent)
attachments
3. The main activity is games and cases.
Play is a form of active learning.
Playful activities of students in the classroom create an atmosphere
natural communication. At the same time, unnecessary stress is relieved in children and
rises
educational
process.
allows
hidden
opportunities,
certainly
lead
schoolboy
successful mastering of the material. They will allow them to form the necessary
public
practices
the norms of human life and activity are reproduced. Playing, pupils
auctions,
release
make up
family budget, are faced with financial problems that they solve
adults
everyday
relate
going on
reality.
trains
appeal
money and fosters financial responsibility.
case method,
specific
situations, the method of situational analysis) is a teaching technique that uses
description
real
economic,
social
business situations.
Trainees
research
situation,
sort out
offer
possible
are based
real
actual
material
approached
real situation.
4. Financial literacy is an element of socialization.
School, as a social institution, must prepare for life. And life -
academic
Financial
the culture
modern
developed and rapidly changing world has become another vital
element in the system of skills and rules of conduct. Financial literacy
will allow
man
depend
circumstances,
systems. An educated person himself will choose those paths in life that
will be most attractive to him, creating a material basis for
further development of society ”.
Financial literacy is a tool, and our job is to teach
schoolchildren use this tool.
5. Student activities in class.
Tell me - and I will forget, show me - and I will remember, let me do -
The main
peculiarity
activity
consists
activities of students. Children "discover" new knowledge on their own in the process
independent research activities. The teacher only guides
this activity and summarizes, giving an accurate formulation of the established
algorithms
actions.
received
acquire
personal significance and become interesting not from the outside, but according to
Undoubtedly,
implementation
"Financial
literacy"
get along
assistants.
Exists
learning
schoolchildren
financial literacy, as well as games, olympiads and tests.
Financial literacy at school
Your finances
Website "Economics for Schoolchildren"
Portal I want. I can. I know
financial
literacy, so that tomorrow it would be easier for them to enter adulthood, and for
someone - to decide on the choice of a future profession.
Being financially literate today is not only important, but also prestigious.
After all, the correct management of finances is the right key to wealth and
And as Robert Kiyosaki said:
"If you think training is expensive,
try to find out how much ignorance is worth. "
They don't teach at school and they rarely talk about it in the family. There is nothing to be surprised at, because parents and teachers in most cases practically do not understand management.
Here are the main statements that the younger generation, schoolchildren who want to gain financial independence need to know.
1. As we have already noted, this much needed subject is not taught in school. Pupils are forced to learn boring subjects, cram annoying material. But we are not taught how to achieve.
2. The economy is built so that people live on wages and depend on the employer, often working seven days a week.
According to statistics, 93% of wealth belongs to 7% of people!
It is unfair, one might say, but this is due to the fact that people do not know how to properly manage their own.
3. It is mistakenly believed that financial literacy is not necessary for schoolchildren. Since the elders in many cases cannot teach you the basics of financial literacy, it means that you should take matters into your own hands and study additional discipline in your free time. but the most important is the practical application of knowledge. In educational institutions we are taught to learn, and not to apply the acquired knowledge. The website about financial literacy "" will introduce you to such concepts as income and expenses, assets and liabilities and you will see that it is relatively simple.
4. relevant for youth. The idea that it is too early for adolescents to think about financial matters is a prejudice. It is mistakenly believed that only when the family is there, then you can think about money, but now you need to study, study and study again. 70-80% of people do this and now see how they live.
Strategy
5. Control of income and expenses. Train yourself to increase and decrease income. For instance, give up chips, crackers and sweet water.
The result is a double benefit: firstly, you keep your health, and secondly, you save money that can be saved and multiplied, bringing yourself closer to financial freedom.
The amount of income and expenses is not so important, but how much money is left is important.
6. Assets and liabilities. Assets bring you money on a silver platter, regardless of your activity, and liabilities, on the contrary, eat up what you have honestly acquired, regardless of us and our position. To become rich, you need to increase assets and reduce liabilities.
7. Financial literacy is important for children. Wealthy people advise to start saving as early as possible. Remember that the sooner you begin your journey to financial freedom, the less stress it will take on you to achieve this goal. Time is your best asset. Let the power of compounding work for you. After all, the more income you receive from an investment, the less you will have to report from your pocket.
Perspective
8. To achieve consistency, special super abilities are not required. You just need to be courageous and persistent, and have a desire and purpose. According to various studies, people who do not have a higher education or who do not even graduate from school often become rich (this does not mean that you need to leave school or college).
Special knowledge is almost worthless without proper application.
9. It is quite simple in itself, although it is considered the prerogative of specialists and scientists. Is it really so difficult to master that the money that you managed to save needs to be divided into 3 parts: the first - for savings (in a reliable bank), the second - for investment (stocks, bonds, etc.), and the third - for charity (helping others returns to people many times).
Everything is simple and everything is only in your hands.
Remember that 80% achieved the state on their own, and only 20% inherited it.
Additionally, watch this short video on the basics of financial literacy for high school students:
Financial literacy at school
The treasury of worldly wisdom is rich in sayings, proverbs and aphorisms that speak about the benefits of both saving and spending money. In a modern economy, in a situation of inflation, our task is to teach children to correctly assess the financial situation in a constantly changing economic environment, not only for future professional activities, but also within the family.
Youth is a time of great opportunities and important financial decisions. Therefore, it is important to improve financial literacy from an early age, because there will be many important financial decisions ahead in life, the mistake in making which can even worsen the standard of living and postpone important financial goals.
I would like to tell you about how financial education is conducted in our school.
In order to form the financial literacy of the population, our school annually holds a "Lesson in financial literacy among high school students", which is conducted jointly by teachers of social studies and informatics.
As part of the course on pre-profile training "Confirm yourself", classes are held, business games with students on the topics: aimed at making the right decisions in the context of rapidly changing prices, inflation, learning how to properly survive the economic crisis.
According to the work plan of class teachers, subject teachers, design and research activities are carried out, with the help of which it is explained that finance is a multifaceted concept that includes both cash and non-cash monetary resources, and other forms and instruments of monetary funds, as well as - financial relations associated with settlements in cash between market entities.
In accordance with the program of work with gifted children "Our Hope", classes are held with students, at which students' ideas about finance are formed in a simple and understandable language; children come to the conscious conclusion that a low level of financial literacy and a lack of understanding in the field of personal finance can lead not only to bankruptcy, but also to illiterate planning of retirement, vulnerability to financial fraud, excessive debt and social problems, including depression and other personal Problems.
During the lesson activities, financial tasks are widely used to solve practical problems, so when getting acquainted with electronic tables, schoolchildren learn to carry out calculations of the costs of utilities (electricity, water, gas); learn to plan, predict and save the family budget; make payroll calculations.
Forming financial literacy among students, our school works in close cooperation with other educational institutions of our village and district and city. I would especially like to dwell in detail on a special course in financial literacy, which is held on the basis of our school for 8 grades according to the program developed by the Volgograd College of Economics and Technology. The course is taught by the teacher of the Gorodishchensky center DT Pirmetova E.Yu., using a workbook, students in the system perform various types of tasks: tests, polls, structuring information, fill in diagrams, solve logic tasks, solve crosswords, play business games, etc. The course consists of 3 modules: "Fundamentals of Financial Literacy" (32 hours), "Savings and Banking" (32 hours) "Entrepreneurship and the Basics of Financial Security" (32 hours), each module is presented by several topics, each topic has its own purpose, the main concepts are structured in a glossary. At the end of the course, children will receive certificates of completion for this course.
On this issue, the school carries out work not only with students, but also with parents at parent-teacher meetings during educational classes on the topic: "Financial literacy is the key to family well-being", where parents share their experience, meetings are organized with representatives of various financial professions , representatives of the Savings Bank and the pension fund, give financial advice to parents, for example, such as how to prevent money theft through SMS spam.
Parents are explained that they must open their income and expenses to their children (if they do not want to do this, they can provide any numbers that suit them) for teaching family budgeting. It is proposed to establish a certain amount of pocket money so that the child can learn how to manage his money.
At parent-teacher meetings, in teacher training classes, during seminars, workshops, parents and children are offered various information resources: (slide with links to these resources).
Will these sites help you sort out some questions? Such as: How to make financial decisions? Which loan to choose? Where to invest free funds? Which mortgage option to use to purchase a home? How to insure yourself, your loved ones and your property?
Content and thematic sections of the site will help consumers to increase the level of financial culture
Books for children and adults:
1.This book is aimed at children aged 7 to 14 years and is made in the form of a workbook with theory, tasks and a place to complete these tasks. The book examines not only issues related to the basics of financial literacy, but also important issues of motivating a child to study this very financial literacy.
2. This book was written to be read with parents. It tells the story of a little girl who adopted a dog in her home. In order to leave the dog, I had to fight a lot with my parents. The dog was not easy, he knew how to speak. Moreover :) the dog was financially literate, as he used to live with a very wealthy businessman.
In the course of the book, the dog helps the girl to comprehend financial literacy from scratch - the first earnings, the first account, the first hired employees and further, the study of all the intricacies of financial education ...
3. AboutA great guide for those who often think about where their salaries have gone. And, especially, for those who rarely do something about it.The book examines typical scenarios for spending funds and managing budgets by families of different incomes. A lot of ways to save money and optimize spending for a variety of needs have been described..
4. Book "Financial Literacy" - a textbook on personal finance, which takes into account the achievements of modern financial science.
Other…
“Financial culture in today's developed and rapidly changing world has become another vital element in the system of skills and rules of behavior. Financial literacy will allow a person not to depend on circumstances, on the will of other people, the system. An educated person himself will choose those paths in life that will be most attractive to him, creating a material basis for the further development of society. "
Children are our future, and we must give them the basics of financial literacy,
so that tomorrow it would be easier for them to enter adulthood,
but for someone - to decide on the choice of a future profession.
Being financially literate today is not only important, but also prestigious. After all, the correct management of finances is the right key to wealth and success!
And I would like to end my speech with the words of Robert Kiyosaki:
"If you think training is expensive,
try to find out how much ignorance is worth. "
A modern elementary school teaches children everything: to read, write, count, but does not prepare them for real life, for difficulties on the way of growing up and becoming a person in all spheres of life, especially in matters of financial education. The world today cannot be imagined without money. Money surrounds a person from birth and becomes one of the main conditions of life. Therefore, lessons in financial literacy are essential today.
What do we know about money? They are earned and spent. How do they make money? How do they spend? It is important for primary school teachers and parents to talk about this with children of primary school age. Consider the basics of financial literacy, the principles of the correct attitude to money, which primary school students must know.
What is money and what is it for?
Money is a good that can be exchanged for another good or service. Tell a short history of the origin of currency units to the child, if he is interested, or show a video.
Galileo. History of inventions. Money - video
How is money made?
Extracurricular activities in elementary school should include, among other things, topics about professions, their characteristics, as well as monetary relations in the modern world. You can teach your children four ways to make money. Try to honestly and reliably provide all information without distorting it or redoing it. There are such methods, they are described in detail in the book “The Cash Flow Quadrant”: hired labor, own small business, large systemic business and investment. You can dwell on the first method in more detail, since it is the most common. The rest of the methods can be shown in the elementary school presentation.
Respect
It is very important to instill in junior schoolchildren respect for people, parents for the fact that they earn by hard work the means to buy food, clothes, gifts and other things. Teach children to be careful and respectful of other people's work and their belongings.
Plan your family budget together
Talk to your children about monthly cash receipts and expenditures. Try to list the important points in the expense item together. You may be able to find ways to save money. Explain to the child what, in case of a lack of funds, the family can refuse, and what not. Teach your child to properly allocate their budget.
How can a child earn their own money?
There are two ways.
- First- it is for a weekend or vacation to find a temporary job outside the home. It can be walking the neighbour's dogs, working as a nanny, peddling newspapers, washing cars, or others. Very interesting advice on how a student can make money, and about other important concepts, is described in the book "Money, or the alphabet of money." This alphabet of financial literacy will certainly help a child navigate the world of monetary transactions.
- Second way- this is earning at home. Get an A4 sheet of paper with the child's name. And for each useful, independent, in your opinion, action, reward your baby with a small sticker. For example, I woke up and made the bed, learned my homework, helped my mother wash the dishes, etc. One sticker is equal to one ruble. At the end of the month, count the number of stickers and exchange them for money that, with your help, your child will spend or save. Just make sure that such training in financial literacy does not lead the child to the idea that there is no point in doing useful and kind deeds for free.
Useful economic games and activities
Play different Monopoly games with your children, in addition, there is a very good Internet game "CASHFLOW". Study bios of famous successful entrepreneurs together. Find helpful quotes about money. Read business news.
Financial Literacy Day at School
September 8 - Financier Day, many educational institutions hold Financial Literacy Day for schoolchildren. In addition, the All-Russian Week of Financial Literacy for Children and Youth is held throughout Russia in March. Teachers and visiting professionals run a variety of activities as part of school financial literacy week. Obviously, lessons about money conducted on such a scale will certainly bear fruit, and our children will grow up as financially literate citizens of the Russian Federation.
Financial Literacy Week for Children and Youth - video
In the 2015/2016 academic year, an experimental course on financial literacy for schoolchildren was tested in 8 Kaliningrad educational institutions.
Simultaneously with the Kaliningrad region, financial literacy classes were tested in four more regions participating in the Project: Volgograd, Arkhangelsk regions, as well as in the Altai and Krasnodar regions.
In our region, nine general educational institutions took part in the approbation: schools No. 12, 31 and 47 of the city of Kaliningrad, Lugovsk school of the Guryevsky district, lyceum No. 10 of the city of Sovetsk, Cadet corps named after A. First-Called, as well as the College of Service and Tourism and the College of Entrepreneurship. In total, over 1000 students took part in the financial literacy classes.
In the school curriculum, 17 teaching hours were provided for experimental lessons (that is, 1 hour per week), twice the number for grades 10-11 - 34 hours (2 hours per week). At the same time, teaching materials for grades 10-11 are distributed by profile: for economic, legal, mathematical profile and basic level.
The course provided for two stages of monitoring the level of financial literacy of teachers and parents: "entrance" (preliminary) and final testing.
In total, 83 textbooks were developed to test the lessons, which are included in 17 educational and methodological sets. Specially developed textbooks on financial literacy are provided for different groups of students: grades 2-4, grades 5-7, grades 8-9 and grades 10-11 of secondary schools, as well as students of secondary vocational education institutions and students of boarding schools. Also, guidelines for teachers, control and measuring materials, didactic materials for parents and manuals for individual work have been developed. For individual lessons, the materials are divided into modules: "Banks", "Stock Market", "Own Business", "Financial Risks", "Insurance", "Pension Security".
Based on the results of the approbation, the experience of the regions in which the approbation was carried out will be taken into account, the training materials will be corrected and distributed throughout Russia by the end of 2018.
Teaching materials are available for download:
2 - 4 classes of general educational organization (initial stage)
The course program is designed for grades 2–3 (by S. Fedin) and grade 4 (by G. Gloveli). The program specifies the goals and objectives of the course, the planned educational results and the system of their assessment, describes the forms and methods of organizing the educational process, and also provides a list of educational and methodological and material and technical resources.
Financial Literacy: Resources for Students. 2, 3 classes of a general educational organization. In 2 parts
Starting to study at school, the child takes the first steps into adulthood. In order for him not to get lost in it and become a financially successful person in the future, he needs to master the alphabet of financial literacy and learn how to count money. This manual will help him in this. In an entertaining form, the initial basic concepts from the world of money are presented here and their role in our life is shown; it tells what the money is spent on, how to manage it wisely, how to protect yourself from fraudsters, and much more.
Financial Literacy: Resources for Students. 4th grade general education organization
From this book, students will learn about the world of money: how and where it came from, what they are, what is the difference between cash and non-cash money, what is a family budget and why it is important to plan it correctly, how people increase their income, how to protect themselves from fraudsters and about many other things.
5 - 7 grades of a general educational organization (basic general education)
The manuals tell about the complex world of money and the basic rules of human behavior in it. It explains in detail where the family income comes from, what the family budget is and why it is important to plan it correctly. A significant place is given to protecting a person from the risk of losing money and property, interaction between the state and the family, the possibility of improving a person's financial condition by organizing his own business. The manuals are written in an easy, well-understandable language for schoolchildren and can serve as a basis for conducting classes in the classroom, preparing independent projects and solving financial problems together with parents.
8 - 9 grades of a general educational organization (basic general education)
The materials are designed to familiarize adolescents with the basics of rational financial behavior - how to reasonably organize and optimize the future family budget, what needs to be done to improve personal and family well-being, why it is important to foresee the possibility of financial losses and how to minimize them, how to learn how to manage your finances from a young age in order to have comfortable old age, etc.
10-11 grades of a general educational organization (secondary general education)
The manuals in an accessible form set out the main aspects of personal finance management, taking into account modern trends in the development of the financial sector of the economy and current legislation. The tasks contained in the manual are aimed at developing the cognitive activity of students, independence and initiative in the field of personal finance management.
10 - 11 classes of a general educational organization. Mathematical profile (secondary general education)
The manual contains a mathematical description of issues traditional for disciplines in financial literacy: simple and compound interest, accounting for financial flows at different times, calculating the price of financial instruments and evaluating investment projects. A significant place is given to examples of problem solving. To describe and assess the risks associated with financial transactions, the concepts of probability theory and mathematical statistics are actively used. The materials are redundant and suggest the student's ability to independently master the sections related to the theory of probability and statistics.
10 - 11 classes of a general educational organization. Economic profile (secondary general education)
The course is devoted to the key issues of the functioning of modern financial institutions and the mechanisms of human interaction with them. The course examines such financial concepts as commercial banks, investment funds, the securities market, tax system, pension funds, etc., reveals their essence and shows their place in the financial life of modern Russia.
Materials of the training course on financial literacy for students of educational institutions of secondary vocational education
The manuals in a simple and accessible form set out the issues of the financial well-being of the family and the management of funds. In addition to such standard topics as savings, credit, insurance, taxes and pensions, considered in the manual, the legal aspects of the relationship between employees and the employer, employment and career development, organization of private entrepreneurship, measures to protect against financial fraud, etc. life situations and business cases, in group projects and discussions and completing tasks for searching and analyzing data, students prepare to use the knowledge gained in practice.