Handouts and checklists for the classroom

How can you use the handouts as a teacher?

The handouts offer tasks and exercises specifically designed for upper secondary school students on the topics covered by Finanznavi. As a teacher, you can use them in a flipped classroom setting:

• Students can independently acquire knowledge on the financial and economic education topics provided on the Finanznavi content pages.
• The handouts allow students to apply and deepen what they have learned directly in class.
• Blank handouts can be printed out and distributed as assignments for students to complete.
• For review and correction, there are also completed handouts with the correct solutions, which you can use as a teacher.

Money and payments

Here you’ll find direct access to the content covered in the handouts on the topic of “Money and Payments.” It is recommended to read through the content pages before working with the handout.

Managing money

Here you’ll find direct access to the topics covered in the checklists for the section “Managing Money.” It is recommended to read through the content pages before working with the handout.

Saving and investing

Here you’ll find direct access to the topics covered in the handouts for the section “Saving and Investing.” It is recommended to read through the content pages before working with the handout.

Debt and Loans

Here you’ll find direct access to the topics covered in the handouts for the section “Debt and Loans.” It is recommended to read through the content pages before working with the handout.

Risk management

Here you’ll find direct access to the topics covered in the handouts for the section “Consumer Protection.” It is recommended to read through the content pages before working with the handout.

Consumer protection

Here you’ll find direct access to the topics covered in the handouts for the section “Consumer Protection.” It is recommended to read through the content pages before working with the handout.

Checklists for different life stages

Here you’ll find checklists that can help you with your financial decisions at various stages of life:

Curriculum Reference: Why should these topics be covered in schools?

The basic decree on economic and consumer education (Grundsatzerlass ,Wirtschafts- und Verbraucher/innenbildung‘) forms the basis for all activities in the field of economic, financial, and consumer education. It aims to enable young people to participate competently, responsibly, and in a mature and self-determined way in economic processes, to navigate society, and to form well-founded opinions. This is intended to help ensure that sustainable purchasing decisions are made, which in turn benefits both their own and society’s long-term financial health. The objective therefore does not end with building individually useful economic skills; it is also about empowering learners to critically reflect on economic activities, to navigate a society shaped by the economy, and to participate in democratic decision-making processes at the national and international level, in order to help shape a sustainably livable world. Economic education is thus also political and moral education, and involves working on one’s own identity. The basic decree on economic and consumer education applies to all school levels and types, and also forms the foundation for the cross-curricular topic of economic, financial, and consumer education in the new curricula of primary schools, middle schools, and lower secondary academic schools.

The topics of economic, financial, and consumer education are anchored in different ways in the curricula of the various types of schools. In addition to the so-called core subjects (such as Geography and Economic Studies, and Business Administration), there are also connections in many other subjects, for example History and Social Studies/Civic Education, Biology, German, Mathematics, Physics, and Art Education.

In general education schools, economic, financial, and consumer education is firmly embedded from primary level up to lower secondary level. It forms part of General Studies (grades 1–4, primary school) and of the subject Geography and Economic Education (grades 5–12). Furthermore, since the 2023/24 school year, it has been established as a cross-curricular topic in most subject curricula at the primary and lower secondary levels. The rollout of this cross-curricular topic for upper secondary level is currently being prepared through the amendment of the curricula for the upper cycle of academic secondary schools.

In the curricula of vocational schools, the cross-curricular topic of economic and consumer educationis fundamentally represented. Economic education is an interdisciplinary, complex, and multi-layered concern, and not the content of a single subject. In the new generation of curricula, this topic will be even more firmly anchored across the different types of schools.

In the curricula of vocational schools, the cross-curricular topic of economic and consumer educationis fundamentally represented. Economic education is an interdisciplinary, complex, and multi-layered concern, and not the content of a single subject. In the new generation of curricula, this topic will be even more firmly anchored across the different types of schools.

The curriculum of the Polytechnische Schule (pre-vocational school) also includes responsible household management and reflection on one’s own consumption habits as integral parts of instruction. The corresponding learning outcomes are assigned to the subject Civic Education, Economics, and Ecology.