Plymouth Community Schools have undertaken a financial literacy program as part of the Junior Achievement offerings to teach students the basics of using money wisely, building credit and even getting a mortgage. The kick-off event was this past Friday with Darlene Derifield facilitating the 7th grade course at Lincoln Jr High.
The kickoff featured guest speakers Nick Chaney, Mindy Overmyer, Heidi Hoffer, and Lorna Shively on Nov. 17.
Nick Chaney provided an introduction, emphasizing the importance of Junior Achievement (JA) and the practical, real-world tools and skills that students would acquire throughout the program. Lorna Shively shared insights into earning money and understanding paychecks, covering topics such as gross vs. net income and distinctions between salary and hourly wages.
Heidi Hoffer explored budgeting and savings, encouraging students to live within their means, break free from paycheck-to-paycheck living, and prioritize paying themselves first. Angie Mills, PCSC’s Multi-Age Program Director, shared practical tips on smart shopping, including using coupons, seeking deals, and distinguishing between wants and needs.
Mindy Overmyer discussed responsible borrowing practices, covering credit cards, installment loans, and mortgages, while emphasizing the importance of understanding loan terms. Heidi Hoffer returned to illuminate the basics of investing for retirement, simplifying compound interest and instilling the idea that everyone can retire as a millionaire.
The kickoff sets the stage for a comprehensive financial literacy program for PCSC.
