# data[].attributes.body
Personal financial literacy. The student applies mathematical process standards to manage one's financial resources effectively for lifetime financial security. The student is expected to:

(A)  distinguish between fixed and variable expenses

# data[].attributes.body
financial (pertaining or relating to money matters)

resources ( money, or any property that can be converted into money)

lifetime (for the duration of a person's life)

security (freedom from danger, risk, etc.; safety)

fixed (not fluctuating or varying; definite)

variable (apt or liable to vary or change; changeable)

expenses (cost or charge )

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3.9(A) explain the connection between human capital/labor and income

3.9(B) describe the relationship between the availability or scarcity of resources and how that impacts cost

3.9(D) explain that credit is used when wants or needs exceed the ability to pay and that it is the borrower’s responsibility to pay it back to the lender, usually with interest

3.9(E) list reasons to save and explain the benefit of a savings plan, including for college

2.11(A)  calculate how money saved can accumulate into a larger amount over time

2.11(B)  explain that saving is an alternative to spending

2.11(C)  distinguish between a deposit and a withdrawal

2.11(D)  identify examples of borrowing and distinguish between responsible and irresponsible borrowing

2.11(E)  identify examples of lending and use concepts of benefits and costs to evaluate lending decisions

2.11(F)  differentiate between producers and consumers and calculate the cost to produce a simple item

1.9(A)  define money earned as income

1.9(B)  identify income as a means of obtaining goods and services, often times making choice between wants and needs

1.9(C)  distinguish between spending and saving

1.9(D)  consider charitable giving

K.9(A)  identify ways to earn income

K.9(B)  differentiate between money received as income and money received as gifts

K.9(C)  list simple skills required for jobs

K.9(D)  distinguish between wants and needs and identify income as a source to meet one’s wants and needs

# data[].attributes.body
applies (use, engage, utilize, practice)

manage (to take charge or care of)

distinguish (to recognize or note differences)

effectively (adequate to accomplish a purpose; producing the intended orexpected result)