Texas Personal Financial Literacy TEKS 113.49 Alignment

TEKS Personal Financial Literacy Standards Alignment

Texas Personal Financial Literacy (TEKS §113.49) is a half-credit high school course within the state’s Social Studies standards. The course helps students develop practical money management skills, including budgeting, saving, managing credit, investing, and planning for their financial futures.

PersonalFinanceLab supports these standards with lessons and activities from our Personal Finance, Career Readiness, and Investing libraries. The alignment below shows how these resources correspond to individual TEKS requirements, helping teachers find relevant materials for their Personal Financial Literacy courses.

Activity Type Key:

Articles
Videos
Interactive Calculators
Comprehensive Tools
Includes Built-In Assessment

Standard Activity Activity Type
The student understands how to set personal financial goals. Lesson – Break Free From Money Stress with a Budget
Lesson – How To Save Money on Your Next Trip
Lesson – Achieve Financial Goals with a Spending Plan
Lesson – A Strategy to Build Wealth, Not Debt
The student understands how financial statements are used to assess and monitor financial well-being. Lesson – How to Read an Income Statement
Lesson – How to Read a Balance Sheet
Lesson – The Cash Flow Statement Explained
The student analyzes components of compensation from employment. Lesson – What’s in Your Compensation Package?
Lesson – The Secret to a Comfortable Retirement
Lesson – Why Health Insurance is So Expensive
The student critically evaluates consumption decisions. Activity – Buy vs. Lease a Car Calculator
Activity – Calculate Your Car Loan Payments
Lesson – Credit Cards: Terms, Fees, and More
Lesson – What to Do When You Need Money Fast
Lesson – How Do You Stop Impulse Purchases?
Activity – Find Out Your Monthly Home Budget
The student understands the importance of saving and investing in creating wealth and building assets. Lesson – A Simple Yet Powerful Way to Build Wealth
Lesson – Limits and Logs – Personalized Spending and Saving
Activity – Crack the Code to Becoming a Millionaire
Lesson – What is Wealth?
The student understands the implementation of a saving and investing plan. Lesson – Choosing the Best Banking Option for You
Lesson – Is an Annuity Right for You?
Activity – Crack the Code to Becoming a Millionaire
Activity – Watch How Your Savings Could Grow
Activity – Model Your Financial Future
Lesson – Why Invest in Stocks vs. Keeping in Savings?
Lesson – What is Diversification & How to Spread Your Risk
Lesson – A Beginner’s Guide to Investing in Stocks
Lesson – A Simple Explanation of ETFs
Lesson – The Pros and Cons of Mutual Funds
Lesson – Getting Started with Bond Investing
Stock Game – Core Component
Tutorial Video – How to do Investing Research?
The student demonstrates an understanding of the importance of planning for retirement. Lesson – The Secret to a Comfortable Retirement
Activity – Crack the Code to Becoming a Millionaire
The student identifies factors that affect credit worthiness. Lesson – What Your Credit Report Says About You
Lesson – Discretionary Expenses – Understanding Central Tendency
Lesson – What Is Bankruptcy?
Lesson – Getting Help With Debt Repayment
The student evaluates a decision to use credit Lesson – A Beginner’s Guide to Borrowing Wisely
Lesson – Credit Cards: Terms, Fees, and More
Activity – Calculate the True Cost of Credit Card Debt
Lesson – How Debit Cards Work
Lesson – Mortgage Options for First-Time Homebuyers
The student recognizes financial risks faced by individuals and families and identifies strategies for handling these risks. Lesson – Types of Insurance
Lesson – Why Health Insurance is So Expensive
Lesson – Life Insurance: The Ultimate Safety Net
Lesson – What Damage Does Home Insurance Cover?
Lesson – What’s Not Covered in Renter’s Insurance?
Lesson – Car Insurance: How to Lower Your Rates
The student understands how to identify and protect themselves from frauds, schemes, and scams. Lesson – How to Avoid Identity Theft, Scams & Fraud
The student recognizes the costs and benefits of various types of college, postsecondary education, and training. Lesson – Want to Work in Finance?
Lesson – Are Internships Worth It?
Activity – Student Loan Repayment Calculator

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