Lesson 1: Clarifying Values and Goals Lesson 2 and 3: Budgeting and Determining Wants vs Needs Lesson 4: Spending Behaviors and Creating a Budget Lesson 5: Depository Institutions Lesson 6: Credit and Credit Reports Lesson 7: Credit Reports Lesson 8: Consumer Protection and Identity Theft Lesson 9: Choosing Major Purchases Lesson 10: Choosing a Place to Live- Another Major Purchase Lesson 11: Insurance Lesson 12: Investing for your World