Textbook on financial literacy. Fundamentals of financial literacy approved by the Central Bank of the Russian Federation: acquaintance

Financial illiteracy is very dangerous, because it not only dooms a person to live in poverty, but also destroys any chance for improvement in the situation. A person makes more and more unsuccessful decisions, which means that he can afford less and less. In order to prevent this from happening, you need to read the best books on financial literacy. But not just mindlessly flipping through the pages, but putting the acquired knowledge into practice!

Financial Literacy Test

Annamaria Lusardi of Dartmouth College and Olivia Mitchell of the University of Pennsylvania conducted a survey of residents of 14 countries in order to find out how well the inhabitants understand how money is made. He showed that most people are financially illiterate. Only in Germany and Switzerland did half of the respondents answer all three questions correctly. But the situation turned out to be the most deplorable in Russia, where only 4% of respondents did this. Consider these three questions:

1. How much money will you have in your account in five years if you deposit $100 at 2% per annum?
2. If your money is in a deposit account at 1%, and inflation in the country is 2%, then by withdrawing it in one year, you can buy more, the same or less than today?
3. Does buying shares in one company provide a more reliable income than buying shares in a mutual fund?

If you find it difficult to answer at least one question, it is advisable for you to familiarize yourself with our list.

Fundamentals of Financial Literacy: All Books

• Bodo Schaeffer Path to Financial Freedom. This book starts our selection of books on financial literacy. Its rating is 4.426 points, the number of readers is 167 people, 186 more want to do it.
• George Clason "The Richest Man in Babylon" Rating - 4.365 points, the number of readers - 1052 people, another 1564 want to do it.
• John Kehoe "The Subconscious Can Do Anything" Rating - 4.317 points, the number of readers - 1322 people, another 1171 want to do it.
• Robert Kiyosaki Rich Dad Poor Dad. Rating - 4.073 points, the number of readers - 3331 people, another 1564 want to do it. If we consider recommended books on financial literacy, then it is the undisputed leader of our list in terms of popularity among users. social network livelib.
• Richard Branson "Fuck it all, get on with it." Rating - 4.0286 points, the number of readers - 1827 people, another 1305 want to do it.
• Napoleon Hill Think and Grow Rich. Rating - 4,024 points, the number of readers - 1054 people, 850 more want to do it.

"The Path to Financial Freedom"

In our list, where we have collected on financial literacy, it is in first place. Despite the fact that it was published a long time ago, it has not lost its relevance. It contains a lot of information on how to start a business, make the first investment, pay off debts and dispose of the profits. Bodo Schaeffer talks about how to go from an average worker to a wealthy person with stable income. It has gone through five editions and received mostly positive reviews. Those who read it note that it describes simple, but extremely effective methods achieving financial independence.

"The richest man in Babylon"

In our review of the best books on financial literacy, we've ranked George Clason's best-known work in second place in our LiveLib rankings. It describes the basics of investing. From it, a person can learn how to make his own savings profitable. The author talks about the need for certain habits and routines. Among them are the following:

• You need to save at least 1/10 of your income.
• Costs must be controlled. Only things that are truly important deserve you to buy them.
• You need to increase your wealth. Savings should not lie dead weight.
• Before making any investment, you need to evaluate its profitability and riskiness.
• Home improvement should be for yourself, not others.
• You need to secure an income for your old age.
• The ability to earn should also be constantly improved.

"The subconscious can do anything"

In terms of financial literacy, these are not only those who teach how to earn and distribute money. Our list includes the work of John Kehoe, which is dedicated to the secret forces of the subconscious. You need to understand that success depends only 20% on talent and natural abilities, and 80% on thinking. According to LiveLib users, this book can turn your life upside down. It teaches you to find the right solution in any situation and gives you the motivation to take action.

"Rich dad, poor dad"

If we were to rank popular books on financial literacy not by their rating but by the number of readers, then Kiyosaki's work would top the list. It is intended for a wide audience and gives those basics of dealing with money, which for some reason are not given any attention at school. This book goes into some detail about how you can go from an ordinary worker to a successful investor. According to readers, Kiyosaki describes in sufficient detail how thoughts affect a person's life. There is no ready-made enrichment scheme in the book. However, the author offers a rather interesting concept, with which you can understand in which direction you need to move.

"To hell with everything, take it and do it"

Looking at books on financial literacy, one cannot help but pay attention to the work of a real entrepreneur. According to readers, it may well encourage you to open your own business, or at least take some action in general. The author of Fuck It All, Get It and Do It knows how to give a powerful boost to conscious living. He himself tested his concept in practice. Branson now owns over 300 various kinds business.

"Think and get rich"

And finally, the last, but this does not mean that the most uninteresting and unnecessary work on our list is a book by Napoleon Hill. Many have heard about it, but people usually don’t get around to reading it directly. Perhaps that is why Russia has such a deplorable situation with financial literacy. Hill's book tells the stories of the most famous millionaires. From whom, if not from them, to learn financial literacy? However, this book is one of the most important. It teaches the right way of thinking about money. According to reviews, it was thanks to Hill's work that many were able to overcome poverty and start earning money, realizing what was stopping them on their way to a better financial life.

In the 2015/2016 academic year, an experimental course on financial literacy for schoolchildren was tested in 8 Kaliningrad educational institutions.

At the same time with Kaliningrad region approbation of classes on financial literacy took place in four more regions participating in the Project: Volgograd, Arkhangelsk regions, as well as in Altai and Krasnodar regions.

In our region, nine general educational institutions took part in the approbation educational institutions: schools No. 12, 31 and 47 of the city of Kaliningrad, Lugovskaya school of the Guryevsky district, lyceum No. 10 of the city of Sovetsk, Cadet Corps. A. the First-Called, as well as the College of Service and Tourism and the College of Entrepreneurship. In general, more than 1,000 students took part in the financial literacy classes.

The school schedule for experimental classes provided for 17 hours of study (that is, 1 hour per week), twice the number for grades 10-11 - 34 hours (2 hours per week). At the same time, educational materials for grades 10-11 are divided into profiles: for economic, legal, mathematical profile and basic level.

The course included two stages of monitoring the level of financial literacy of teachers and parents: “input” (preliminary) and final testing.

In total, 83 textbooks were developed for testing the lessons, which are included in 17 educational and methodological sets. Specially designed financial literacy textbooks are provided for different groups students: grades 2-4, grades 5-7, grades 8-9 and grades 10-11 general education schools, as well as students of institutions of secondary vocational education and students of boarding schools. Also developed guidelines for teachers, control and measuring materials, didactic materials for parents and manuals for individual work. For individual lessons materials are divided into modules: "Banks", " Stock market”, “Own business”, “Financial risks”, “Insurance”, “Pension provision”.

Based on the results of the approbation, the experience of the regions in which the approbation was carried out will be taken into account, training materials will be corrected and distributed throughout Russia by the end of 2018.

Educational materials are available for download:

2 - 4 classes of a general educational organization (initial level)

The course program is designed for grades 2–3 (author of materials for students - S. Fedin) and 4 classes (author of materials for students - G. Gloveli). The program specifies the goals and objectives of the course, the planned educational results and the system for their assessment, describes the forms and methods of organization educational process, as well as a list of educational, methodological and material and technical resources.

Financial Literacy: Materials for Students. 2, 3 classes of a general educational organization. In 2 parts

Starting to study at school, the child takes the first steps into adulthood. In order for him not to get lost in it and become a financially prosperous person in the future, he needs to master the ABC of financial literacy and learn how to count money. This guide will help him with that. In an entertaining way, the initial basic concepts from the world of money are presented here and their role in our life is shown; it tells what money is spent on, how to manage it wisely, how to protect yourself from scammers and much more.

Financial Literacy: Materials for Students. Grade 4 of a general educational organization

From this book, students will learn about the world of money: how and where they came from, what they are, what is the difference between cash and non-cash money, what is a family budget and why it is important to plan it correctly, how people increase their incomes, how to protect themselves from scammers and about many other things.

Grades 5 - 7 of a general educational organization (basic general education)

The manuals talk about complex world money and the basic rules of human behavior in it. It explains in detail where family income comes from, what a family budget is and why it is important to plan it correctly. A significant place is given to the protection of a person from the risk of losing money and property, the interaction of the state and the family, the possibility of improving the financial condition of a person by organizing their own business. The manuals are written in an easy, well-understood language for schoolchildren and can serve as a basis for conducting classes in the classroom, preparing independent projects and solving financial problems together with parents.

Grades 8 - 9 of a general educational organization (basic general education)

The materials are designed to acquaint teenagers with the basics of rational financial behavior - how to reasonably organize and optimize the future family budget, what should be done to increase personal and family well-being, why it is important to foresee the possibility of financial losses and how to minimize them, how to learn how to manage your finances from an early age in order to have a comfortable life. old age, etc.

10 - 11 classes of a general educational organization (secondary general education)

The manuals in an accessible form outline the main aspects of managing personal finances, taking into account current trends development of the financial sector of the economy and current legislation. The tasks contained in the manual are aimed at developing the cognitive activity of students, independence and initiative in the field of personal finance management.

10 - 11 classes of a general educational organization. Mathematical profile (secondary general education)

The manual contains a mathematical description of issues traditional for financial literacy disciplines: simple and compound interest, accounting for multi-temporal financial flows, calculating the price of financial instruments and evaluating investment projects. A significant place is given to examples of problem solving. To describe and assess the risks associated with financial transactions, the concepts of probability theory and mathematical statistics are actively used. The materials are redundant and suggest the student's ability to independently master the sections relating to probability theory and statistics.

10 - 11 classes of a general educational organization. Economic profile (secondary general education)

The course is devoted to the key issues of the functioning of modern financial institutions and the mechanisms of human interaction with them. The course covers financial concepts such as commercial banks, investment funds, the securities market, the tax system, pension funds, etc., their essence is revealed and their place in the financial life of modern Russia is shown.

Materials of the training course on financial literacy for students of educational institutions of secondary vocational education

The manuals present questions in a simple and accessible way. financial well-being families and orders in cash. In addition to such standard topics as savings, credit, insurance, taxes and pensions discussed in the manual, the legal aspects of the relationship between employees and the employer, issues of employment and career growth, organizing private entrepreneurship, measures to protect against financial fraud, etc. are covered. life situations and business cases, in group projects and discussions and completing tasks for searching and analyzing data, students prepare to use the acquired knowledge in practice.

Hello, friends!

The financial literacy of people in our country is at a very low level. You don't have to be an expert to understand this. Investments, deposits, mutual funds, etc. This is only for financiers, ordinary people do not need to know these terms. Books on financial literacy will help you understand that this is an erroneous judgment. These are not regular textbooks for economists, but real tools for obtaining, saving and increasing money.

Poor and rich, successful and unsuccessful, businessmen and employees. We live in a world where two extremes constantly clash. Some have firmly mastered their place in society and do not try to change it. Some try to climb one step, then another, fall, but rise again. Which category of people do you belong to?

“Money is like water, it flows to no one knows where.
- We must live one day and take from life to the maximum.
- Life is given once and it is pointless to spend it on saving and accumulating money.
I live paycheck to paycheck and have nothing to save.

Familiar phrases?

These phrases were foreign to me even before studying the issues of financial literacy, and now it is simply ridiculous to hear them. Read at least one book from the list and see how much your attitude towards money has changed. If nothing happened, come back to life one day. She really is alone. And everyone has the right to live it the way they want.

If you are used to listening to audiobooks in the car or during a workout, then pick up something on financial literacy in the near future. You will spend time with benefit and money after listening, learn how to save.

Foreign authors

We will start with foreign literature due to the fact that they began to deal with financial planning issues long before us. We have come a long way, filled bumps and written a huge number of practical guides to action. Some have become bestsellers. Let's get acquainted with a small part of the best of them.

J. Clason “The richest man in Babylon”

• Buy and download the book (author - George Samuel Clason)

A book for beginners with an example ordinary people shows how capital is to be formed. It gives very simple advice on how to become rich. And although this advice is very simple, many people find it difficult to follow because it is not easy to implement. “Part of what you earn should be kept for yourself” - this is the advice. It has already become a common truth, almost all authors talk about it on the pages of their financial books.

J. Clason calls to follow simple rules:

1. Set aside at least 10% of every amount of money you earn. Appetite comes with eating. You will not notice how you gradually move to 20, 30 or 40%.
2. Consult with knowledgeable people. I take this advice with caution for the simple reason that there are not so many of them in our country. Therefore, at the first stages of accumulating and increasing your funds, I recommend reading professional literature and be sure to filter the information received there.
3. Money has to work. This is taught in the first courses of universities. They just do not say how to do this with the small amounts that most of the population of our country has. I looked at savings mechanisms for low-income families in an article on how.

R. Kiyosaki “Rich Dad Poor Dad”

• Buy book (author - Robert Kiyosaki)

The problem with many people is that they spend as much as they earn. Money rules their lives.

It was the same with our family. When my husband and I were just starting to live together, we were both young professionals with little salary. We managed with inexpensive things, bought cheap products. Ours has grown over the years professional level earnings grew, but so did expenses. There were expensive products in the refrigerator, going to restaurants. Fortunately, we quickly saw the light.

The only rule to learn from the book is to invest in assets, that is, in what brings in money, and not in what takes them. Due to financial illiteracy, we often confuse these concepts. Read the book by R. Kiyosaki and learn how to distinguish between them, and also understand how poor and rich people think. What type of thinking do you consider yourself to be?

N. Hill “Think and Grow Rich”

• Buy book (author - Napoleon Hill)

The book was published at the beginning of the 20th century and has been reprinted more than 40 times. Considered a bestseller. The book contains the author's experience in studying the psychology of successful people. The main conclusion that Napoleon Hill makes and conveys to us is that wealth is work, constant work on oneself, the search for ideas and action.

The book contains stories of famous millionaires who believed in themselves, in their idea and went to it, despite the ridicule and misunderstanding of others.

Motivation at the stage of realizing that we are missing something in life and doing it wrong is very important. Everyone has to go their own way to understanding the need to manage their own money.

N. Hill's book inspires, teaches to think and grow rich. If you're in need of a magical kick, welcome to the pages.

Bodo Schaefer "Money, or the ABC of money"

• Buy the book "Money, or the ABC of money" (author - Bodo Schaefer)

The first impression from the beginning of reading is that this is not for you, but for your daughter or son. Children's literature. The book is written from the perspective of a 12-year-old girl who learns the basics of financial literacy with her dog Mani. But first impressions are deceiving.

It will be useful not only for teenagers, but also for adults. After all, many of us in matters of money are still children. The author explains the basic principles of wealth in a simple and understandable language. What is money? How to learn how to earn them? How to save and increase? You will find the answers in the pages of the book.

By the way, it will not be superfluous to show this book to your children. At school, they hardly talk about money. And in adult life, it is better to spend time not on studying the financial alphabet, but on developing a financial strategy and tactics for enrichment.

Domestic authors

Books by foreign authors take into account realities Western world, which pays much more attention to financial literacy than in our country. Therefore, people there are more savvy in this matter. This is understandable, why teach how to make money in a country where there were no financial instruments for their accumulation and increase, except for Sberbank.

Only since the 90s of the last century has it become necessary to talk about what money is, where it comes from and where it then goes. It took a few more years to grow our own financially successful people who shared their skills of personal enrichment. Therefore, there are still few books by domestic authors on the market, but they are all the more valuable.

Consider the most popular of them. Two of them are from Vladimir Savenk, who is one of the first financial consultants in the post-Soviet space.

V. Savenok “How to make a personal financial plan and how to implement it”

• Buy a book (author - Vladimir Savenok)

V. Savenok has been professionally engaged in finance for more than 20 years. As he himself notes, his book is written in a language understandable to everyone. The author in a very accessible form teaches you to work with money, understand its movement and experience the pleasure of managing it, and not vice versa. Vladimir points to the obligation of financial planning for each person and individual family, regardless of income level.

This has been verified in my own experience. Only 2 months have passed since the beginning of financial planning in our family. I clearly know how much our family income is and all items of expenditure to the penny. The first item in our expenses is the amount of 10,000 rubles, which we deposit every month on a deposit. We plan a family budget for a month in advance and try to stick to it. While the flight is normal.

But the main thing that V. Savenok pays attention to is the mandatory implementation of the acquired knowledge. Otherwise, the book will become just one of ...

V. Savenok “A million for my daughter. Step by step savings plan”

• Buy the book “Million for my daughter. Step by step savings plan” (author – Vladimir Savenok)

The title of the book already contains the main message. The author explains how to accumulate capital, what investment mechanism to use, how to protect money from inflation. A book for those who do not live for today, who think not only about their own, but also about the well-being of their children.

If you have never heard what stocks, bonds, pension insurance are, then the author talks about this in text and pictures.

In an easy, accessible form, inherent in all the books of V. Savenk, he uses practical examples and personal experience teaches the art of accumulation. The book is not only theoretical material with practical examples. This is a workbook. What it is? You not only read, but also fill in the calculation tables given in the book, which are the accumulation plan.

The book can become your desktop book for the next 10, 15 or more years.

Y. Sakharovskaya “Where does the money go. How to properly manage your family budget

Buy the book “Where does the money go. How to competently manage the family budget ”(author - Yulia Sakharovskaya)

This book is not about how to live on credit or spend exactly as much as you earn. This is a book for those who have thought about the question of where all the salary goes and why it is not possible to save up for a house by the sea, own house or car.

Yu. Sakharovskaya is a financial consultant for managing family finances. She teaches how to make and optimize expenses and talks about the main accumulation tools. The main principle is that this should not be at the expense of the daily joys of the family.

1. Understand where your money is going.
2. Make your own “happiness list”, i.e. what we want to save money for.
3. Create a family budget.

A selection of other books

Friends, write in the comments what books you would recommend reading on finance and I will add them to this list.

Conclusion

You can read these and a hundred other books and still not start getting your finances in order. Or you can read just one and radically change your life and your approach to money. As V. Savenok said in one of his books: “So much has been written about finance that if you decide to read everything, you will not have a single minute left to work with your money and create your personal capital.”

Any book will become a useless tool in the hands of a lazy person. We must not read, we must act. Not immediately, but gradually, in small steps, you will move forward towards your goal. Have you set yourself a goal? Only one or several?

For example, in my family there are short-term goals and long-term goals. For all of them, we got different piggy banks. This makes it easier to track the process and correct if something does not go according to plan. Until everything works out. And you?

The teaching aid "Teaching the training course "Fundamentals of Financial Literacy" in the basic school" was compiled in accordance with the Federal State Educational Standard of the Basic general education, based on the requirements for the results of mastering the main educational program of basic general education and taking into account the subject results in the subject "Social Science" of the Exemplary Basic Educational Program of Basic General Education.
The manual is intended for teachers of history, social studies, teaching the training course "Fundamentals of financial literacy" in educational organizations general and secondary vocational education.

What is "financial literacy"?
Financial literacy: concept, relevance. The level of financial literacy of the population of Russia and the world. Financial education. The role of the state in the financial education of the population.

Financial instruments and financial services. Risks and dangers in the world of finance. Protection of the rights of the consumer of financial services.

Normative-legal support of financial literacy of the population. The concept of long-term socio-economic development Russian Federation for the period up to 2020. Development strategy financial market Russian Federation for the period up to 2020. The concept of the National program to improve the level of financial literacy of the population of the Russian Federation.

Organizations involved in activities to improve the level of financial literacy of the population and development financial education in Russia and the Kirov region. A joint project of the Ministry of Finance of the Russian Federation and the World Bank "Promotion of increasing the level of financial literacy of the population and the development of financial education in the Russian Federation".

Table of contents
Introduction
Section 1. Content aspects of the training course "Fundamentals of financial literacy" in the main school
§one. What is "financial literacy"?
§2. Banking services provided to citizens
§3. Insurance services for citizens
§four. Investments of citizens in real and financial assets
§5. Pension provision and taxation of citizens
§6. Household economics
§7. Features of the personal and family budget. Saving
Section 2. Methodological aspects of teaching the training course "Fundamentals of Financial Literacy" in the basic school
§one. Educational and methodological support of the course "Fundamentals of financial literacy"
§2. Active and interactive teaching methods (technologies) in the course "Fundamentals of Financial Literacy"
§3. Research and project activities of students in the course "Fundamentals of financial literacy"
§four. Options for the implementation of the course "Fundamentals of Financial Literacy" in the primary school. Working programm course
Conclusion
Glossary of concepts and terms
List of literature and Internet resources.

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In April 2015, a financial literacy manual was published. It was created jointly by the Kyrgyz-Russian Slavic University and is one of the products of the large-scale project "Financial Literacy" of CJSC "FINCA Bank".

Umed, who initiated the development of this manual on financial literacy?

It all started in 2012 with the signing of a cooperation agreement between FINCA and KRSU. The initiator of the agreement is the Department of Finance and Credit of KRSU. In 2012, FINCA actively conducted open financial literacy trainings for the population. These trainings interested the public, including KRSU, and we started cooperation.

Why did it become necessary to introduce a separate basic course "Financial Literacy" for students?

First of all, the changes that have taken place over the past 20 years in Kyrgyzstan. This includes the transition to market relations, the development of banking services, as well as the emergence of new challenges and threats for the population in terms of their financial security. The combination of these factors has revealed the problem associated with the low level of financial literacy of the population.

Short a basic level of financial literacy is becoming the main reason that most of the population faces certain difficulties when cooperating with various financial institutions, and falls into a risk group that can be used by fraudsters and usurers who can cause great financial harm to the population. On the other hand, the desire to teach our youth how to manage and account for personal (family) finances in order to effectively manage them.

All of the above tasks required a systematic approach and the development of mechanisms for their solution. We thought that one of these solutions could be a course on the basics of financial literacy for university students. It contains core financial literacy topics backed up with practical examples and guidance.

Why for students?

The fact is that today more than 150 thousand students study at the country's universities. Every year, tens of thousands of young people enter and graduate from universities. This is a new generation of Kyrgyzstanis who will just receive a diploma and start working. Many of them have to create their own families. Therefore, we believe that learning is very important at this stage of life. This knowledge will be useful in life: it will help in solving financial issues. Thus, if in the near future the subject of financial literacy will be one of the compulsory subjects in all universities of the country, this will help many thousands of young people, on the one hand, on the other hand, it will make a certain contribution to the development of not only the financial sector, but also the economy of Kyrgyzstan as a whole .

Have there been any attempts to introduce such a course in Kyrgyzstan? Did you have a foundation or did you have to build the course from the beginning?

As evidenced by the survey of universities in Kyrgyzstan, a separate subject on financial literacy and manuals for it did not exist until today.

Concerning study guide, then we created it on the basis of personal practical experience, as well as available sources, materials and publications on the topic of financial literacy, which are in the public domain. We also studied the experience of individual countries of the near abroad, in which the government attaches great importance to teaching the basics of financial literacy of the population, youth, and the state.

How long did development take? What materials did you have to use? And what experience helped you?

If we talk about the time it took to prepare the training manual, it is almost three years. It was important to determine the content, which would include the most significant topics in current realities. Moreover, we wanted the material to be not only informative, but also practical. We used various materials, publications and speeches of experts in this field. Also in the book is detailed description banking services, documents, as well as individual cases from real life who will help in working with financial institutions. In total, we had about 200 sources. 12 years of experience in the financial sector and teaching experience helped us, the authors, to make the textbook understandable and accessible to the general public.

What difficulties arose while working on the manual?

The main difficulties in preparing the tutorial were related to the scarce source of information on this topic, we had to process a lot of different information from different sources. Despite the fact that the problem of increasing the level of financial literacy of the population is relevant, there are practically no fundamental works in this area.

Is it planned to introduce this program in the universities of Kyrgyzstan? Can those who wish to buy the book or purchase the electronic version?

Yes, it is planned to be implemented in studying proccess universities subject "Fundamentals of financial literacy". All universities that wish can use the financial literacy manual for teaching students, having received technical support from FINCA Bank and the Department of Finance and Credit of KRSU. For my part, I want to urge the leadership of universities to implement this course in order to improve the level of financial literacy of students.

The manual is not intended for sale, and the electronic version of the manual will be available on the NBKR website and on the