See all 11th-12th Grades Standards
Consumer Smarts

Consumer Smarts

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Here's how Consumer Smarts aligns with curriculum standards in Utah. Use the filters to change the location, set of standards, and grade level.

STRAND 1: Students will understand basic economic concepts and develop economic thinking critical to making personal financial choices.

Standard 1: Understand how basic economic principles affect personal financial choices.

Standards
Defined by General Financial Literacy 11th-12th Grades and align with Consumer Smarts
Apply economic reasoning skills to make informed personal financial decisions, including opportunity cost (trade‑offs) and their role in decision‑making.

STRAND 2: Students will understand the factors that influence personal financial priorities and learn how to make rational decisions.

Standard 1: Analyze the role of emotional, cultural, and social influences on financial behavior.

Standards
Defined by General Financial Literacy 11th-12th Grades and align with Consumer Smarts
Give examples of how marketing strategies, social media, and social pressure can influence purchasing decisions.
Emphasize the importance of comparison shopping, buying strategies, and negotiation in purchasing.

Standard 2: Define a rational decision‑making process.

Standards
Defined by General Financial Literacy 11th-12th Grades and align with Consumer Smarts
Describe cost‑benefit analysis as a rational decision‑making process.
Compare instant satisfaction with delayed gratification, such as impulse buying versus planned expenditures.

STRAND 5: Students will understand principles of personal money management, including budgeting and managing accounts, and the role and impact of credit on personal finance.

Standard 1: Identify and explain the process of budgeting based on projected income and expenses.

Standards
Defined by General Financial Literacy 11th-12th Grades and align with Consumer Smarts
Develop a budget that includes the following categories: spending/debt, savings, investing, charitable contributions (such as the 70‑20‑10 rule).
Define fixed, variable, and periodic budget categories.

Standard 5: Define the rights and responsibilities of buyers and sellers under consumer protection laws.

Standards
Defined by General Financial Literacy 11th-12th Grades and align with Consumer Smarts
Understand financial contracts tied to consumer purchases, such as cell phone, subscription fees, and membership fees.