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)  define income tax, payroll tax, sales tax, and property tax;

(B)  explain the difference between gross income and net income;

(C)  identify the advantages and disadvantages of different methods of payment, including check, credit card, debit card, and electronic payments;

(D)  develop a system for keeping and using financial records;

(E)  describe actions that might be taken to balance a budget when expenses exceed income; and

(F)  balance a simple budget.

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