An important part of our mission is providing financial education to people with disabilities. Our education efforts help people make more informed decisions about managing their personal finances, which allows them to take control of their financial future.

Book titled Cents and Sensibility is displayed on a glass side table next to a plant in front of a window.Cents and Sensibility:

A Guide to Money Management

As part of our financial education mission, we developed a book called Cents and Sensibility: A Guide to Money Management. Our pilot programs that used this book as a teaching manual taught us that all people, including those without disabilities, can benefit from this information. Everyone needs to understand how to manage their money so that their money doesn’t manage them!

Please use the following links to access Cents and Sensibility:

White binder stands upright on a table. The cover reads Cents and Sensibility: A guide to money management, Educator Companion Manual. In front of it lays a white binder opened up to a spread showing two different activities, one with a venn diagram, the other with a grid of spaces to fill in. The binder includes chapter tabs and a yellow sheet at the front sticking out that reads For additions and up-to-date electronic files of this manual and the accompanying slides, please visit: www.patf.us.Cents and Sensibility Educator Companion Manual

The Cents and Sensibility Educator Companion Manual was developed by a team of educators to accompany award-winning Cents and Sensibility: a guide to money management with accommodations for classroom use. While we strongly believe all students should receive a high-quality financial education, we know students with disabilities have unique financial education needs. This manual helps teachers develop relevant lessons and activities for students with and without disabilities on topics such as earning income, saving, and using financial services.

Please use the following links to access the educator manual:

Financial Fundamentals: Discussion Starters for Youth

With more and more personal finance classes being taught in our schools, we were glad to be involved in the development of a guide for transition-aged youth. This will be used by the Pennsylvania Department of Education, Bureau of Special Education.

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