In Cuyahoga County, we are proud to offer financial education programs to people of all ages.

Real Money. Real World.

Ohio State University Extension's Real Money. Real World. is a financial literacy program ideally suited for youth ages 13-16. Four classroom lessons are provided followed by a real-life spending simulation where students use their new knowledge. "Learning by doing" is followed by a session during which students connect what they learned to real-life situations.

Real Money. Real World. consists of the following three parts:

Part I: Four preparatory classroom lessons

Part II: A hands-on budget management and decision-making spending simulation

Part III: A post-session evaluation of spending choices made during the simulation


Real Money. Real World. has three primary goals:

  1. To increase students' awareness of how education level and corresponding career choice influence personal income and financial security
  2. To increase students' knowledge of money management tools used in daily spending for cost-of-living decisions
  3. To increase students' awareness of how income and lifestyle choices affect the amount of money available for discretionary spending

Contact Robin for more information or to schedule a series.


Money Management

Ohio State University Extension Family and Consumer Sciences' money management workshops use interactive discussions and hands-on activities to teach topics including:

  • Financial goal setting
  • Spending plan creation
  • Debt reduction
  • Credit report management
  • Financial record organization
  • Decisions surrounding college finances

These workshops are designed to help individuals and families increase their financial stability by learning how to use a spending plan to save and reduce consumer debt. Using reliable, research-based information, OSU Extension Family and Consumer Sciences educators help participants overcome the obstacles between their current situation and their financial goals. Participants gain the skills and tools they need to improve their financial health and self-reliance.

Positive money management practices and savings strategies can make the difference between a financial crisis and long-term financial security. Family and Consumer Sciences' money management workshops empower participants with the knowledge, skills and tools to create their own financial future.