Moneyling NS-12: Spending Course

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About the Course

Every student spends — but few understand why.
In Moneyling: Spending, students step into real-life financial situations through the eyes of Cari, Richie, Amelia, Beatriz, Mallory, and Marquis — six teens learning how to balance wants, needs, and values in a world full of choices and influence.

From comparing prices online to resisting social media ads and planning for emergencies, students learn to make informed, intentional spending decisions that reflect their goals — not their impulses.

This story-based, interactive course covers all Grade 12 National Standards for Personal Financial Education (NS-12) Spending objectives, helping students connect everyday experiences to essential financial literacy skills like budgeting, evaluating products, understanding advertising, and avoiding impulse spending.

Engaging, relatable, and standards-aligned, Moneyling: Spending transforms classroom lessons into practical life skills — empowering students to think critically about where their money goes and why it matters.

The information presented in this course is for educational purposes only and is not intended as financial, investment, or legal advice. Students should not interpret any examples or scenarios as recommendations to buy, sell, or hold specific securities or financial products. Past performance does not guarantee future results. Participants are encouraged to consult a qualified financial advisor or professional before making any personal investment decisions.

Course Information

Categories:

Moneyling’s Content Team

Authors

Jennifer Degenhardt
Story-Based Curriculum & Classroom Integration
Author
Muhammad Ilyas Saeed
Financial Curriculum Creator
Author
Savanha Brubaker
Quality Control, Embedded Tools & Application
Author
Arman Kakar
Financial Curriculum Creator
Author

Editors

Elizabeth Eneadanu
Copyediting & Content Quality
Editor
Bredah W.
Copyediting & Content Quality
Editor
 

Course

$179.99
per year
1 year of access

Comprehensive Educator LMS setup with ready-to-teach lessons, auto-grade quizzes, and built-in calculators for exploration. 

Covers up to 70 students per subscription.

Please note: Instructor Dashboard, quizzes, and assignments are not available during the trial period.

TRIAL $9.99
for 1 week
Enroll Now

Budgeting for Financial Goals – NS Spending 12-1

Achieving Financial Goals with a Budget – NS Spending 12-1
0
Identifying Financial Goals: NS Spending 12-1a
0
Developing a Budget: NS Spending 12-1b
0
Adjusting Budgets for Emergencies: NS Spending 12-1c
0
Budgeting Tools and Apps: NS Spending 12-1d
0

Factors Influencing Consumer Decisions – NS Spending 12-2

Consumer Purchase Decisions – NS Spending 12-2
0
Factors Affecting Purchases: NS Spending 12-2a
0
Making an Informed Consumer Decision: NS Spending 12-2b
0
Impact of Consumer Decisions: NS Spending 12-2c
0

Evaluating Durable Goods – NS Spending 12-3

Buying Durable Goods – NS Spending 12-3
0
Factors to Evaluate When Buying Durable Goods: NS Spending 12-3a
0
Cost and Feature Analysis: NS Spending 12-3b
0
Environmental and Social Impacts: NS Spending 12-3c
0

Advertising, Pricing, and Negotiation – NS Spending 12-4

Impact of Advertising and Pricing on Consumer Behavior – NS Spending 12-4
0
Retail Price Advertising: NS Spending 12-4a
0
Inflation and Purchase Decisions: NS Spending 12-4b
0
Negotiation and Consumer Decisions: NS Spending 12-4c
0

Consumer Research and Avoiding Impulse Buying – NS Spending 12-5

Researching Before Buying – NS Spending 12-5
0
Avoiding Impulse Buying: NS Spending 12-5a
0
Consumer Research Strategies: NS Spending 12-5b
0
Social Media Marketing Techniques: NS Spending 12-5c
0

Housing Decisions – NS Spending 12-6

Renting vs. Buying a Home – NS Spending 12-6
0
Reasons for Renting vs. Buying: NS Spending 12-6a
0
Comparing Costs of Renting vs. Buying: NS Spending 12-6b
0
Key Rental Contract Terminology: NS Spending 12-6c
0

Philanthropy and Charitable Giving – NS Spending 12-7

Motivations for Giving – NS Spending 12-7
0
Benefits of Giving: NS Spending 12-7a
0
Charitable Organizations and Motivations: NS Spending 12-7b
0
Researching Charities: NS Spending 12-7c
0

Consumer Protection and Fraud Prevention – NS Spending 12-8

Consumer Protection Laws and Agencies – NS Spending 12-8
0
Government Agencies Protecting Consumers: NS Spending 12-8a
0
Consumer Protection Laws: NS Spending 12-8b
0
Common Types of Fraud: NS Spending 12-8c
0
Help for Fraud Victims: NS Spending 12-8d
0

Financial Record-Keeping – NS Spending 12-9

Organized Financial Records – NS Spending 12-9
0
Benefits of Financial Record-Keeping: NS Spending 12-9a
0
Developing a Record-Keeping System: NS Spending 12-9b
0
Financial Technology for Record-Keeping: NS Spending 12-9c
0
Course Review
0

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Course Outline

  • Budgeting for Financial Goals – NS Spending 12-1
    • Achieving Financial Goals with a Budget – NS Spending 12-1
    • Identifying Financial Goals: NS Spending 12-1a
    • Developing a Budget: NS Spending 12-1b
    • Adjusting Budgets for Emergencies: NS Spending 12-1c
    • Budgeting Tools and Apps: NS Spending 12-1d
  • Factors Influencing Consumer Decisions – NS Spending 12-2
    • Consumer Purchase Decisions – NS Spending 12-2
    • Factors Affecting Purchases: NS Spending 12-2a
    • Making an Informed Consumer Decision: NS Spending 12-2b
    • Impact of Consumer Decisions: NS Spending 12-2c
  • Evaluating Durable Goods – NS Spending 12-3
    • Buying Durable Goods – NS Spending 12-3
    • Factors to Evaluate When Buying Durable Goods: NS Spending 12-3a
    • Cost and Feature Analysis: NS Spending 12-3b
    • Environmental and Social Impacts: NS Spending 12-3c
  • Advertising, Pricing, and Negotiation – NS Spending 12-4
    • Impact of Advertising and Pricing on Consumer Behavior – NS Spending 12-4
    • Retail Price Advertising: NS Spending 12-4a
    • Inflation and Purchase Decisions: NS Spending 12-4b
    • Negotiation and Consumer Decisions: NS Spending 12-4c
  • Consumer Research and Avoiding Impulse Buying – NS Spending 12-5
    • Researching Before Buying – NS Spending 12-5
    • Avoiding Impulse Buying: NS Spending 12-5a
    • Consumer Research Strategies: NS Spending 12-5b
    • Social Media Marketing Techniques: NS Spending 12-5c
  • Housing Decisions – NS Spending 12-6
    • Renting vs. Buying a Home – NS Spending 12-6
    • Reasons for Renting vs. Buying: NS Spending 12-6a
    • Comparing Costs of Renting vs. Buying: NS Spending 12-6b
    • Key Rental Contract Terminology: NS Spending 12-6c
  • Philanthropy and Charitable Giving – NS Spending 12-7
    • Motivations for Giving – NS Spending 12-7
    • Benefits of Giving: NS Spending 12-7a
    • Charitable Organizations and Motivations: NS Spending 12-7b
    • Researching Charities: NS Spending 12-7c
  • Consumer Protection and Fraud Prevention – NS Spending 12-8
    • Consumer Protection Laws and Agencies – NS Spending 12-8
    • Government Agencies Protecting Consumers: NS Spending 12-8a
    • Consumer Protection Laws: NS Spending 12-8b
    • Common Types of Fraud: NS Spending 12-8c
    • Help for Fraud Victims: NS Spending 12-8d
  • Financial Record-Keeping – NS Spending 12-9
    • Organized Financial Records – NS Spending 12-9
    • Benefits of Financial Record-Keeping: NS Spending 12-9a
    • Developing a Record-Keeping System: NS Spending 12-9b
    • Financial Technology for Record-Keeping: NS Spending 12-9c
    • Course Review
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