Texas Essential Knowledge and Skills Standards
TimeMAPS Software and Curriculum
- an invaluable aid to 9-12 Financial Literacy
Texas Essential Knowledge and Skills Standards (TEKS) are building a lot of momentum. The Texas Department of Education is committed to ensuring that students are prepared for the contingencies of today’s economy. The subject of personal finance has become a crucial matter to the world. Financial literacy is essential for young people who will be entering the job market and making financial and money management decisions that will affect the rest of their lives.
Financial literacy is part of the core curriculum and the standards set forth by the Texas Essential Knowledge and Skills Standards (Texas TEKS) are a benchmark for successful delivery of this important material. Success in meeting TEKS is measured by the Texas Assessment of Knowledge and Skills (Texas TAKS) test. To meet these high standards for excellence and long-term achievement in financial literacy, personal finance curriculum must cover key concepts in a way that helps students retain information and master their skills.
Why is personal finance so crucial?
There is ample proof that a course of study in personal finance is imperative to the well-being of the next generation. The National Foundation for Credit Counseling, Inc. found in its 2008 Financial Literacy Survey of adults that 41 percent of young adults in the 18-29 year old range do not pay their bills on time. Seventy-five percent of adults expect inflation to outpace their income, eroding their real purchasing power steadily over time. As many as 7 percent of American adults are seriously considering filing for bankruptcy – as well as many other alarming findings. These are precisely the type of problems that the Texas Essential Knowledge and Skills Standards aim to prevent.
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TimeMAPS approved for personal finance education in Texas
In order to provide the students of Texas with the foundation they need in personal finance concepts, educators need a complete solution to effectively teach to and meet the Texas Essential Knowledge and Skills Standards.
The TimeMAPS Money Management and Life Skills Program is an interactive software and curriculum designed to meet the needs of educators who need powerful, up-to-date tools to better prepare their students for life’s challenges. TimeMAPS also meets the standard-based learning expectations of the Texas Department of Education. TimeMAPS is short for Time Management for Achieving Personal Success, and offers a dynamic, interesting, and informative approach to personal finance, business, and life skills education.
Texas Education Agency
TimeMAPS™ personal finance curriculum and software from Realityworks is on the State Board of Education (SBOE) list of approved materials for teaching Personal Financial Literacy (PFL) in Social Studies courses. This includes all schools in the state of Texas.
How does TimeMAPS make teaching personal finance easy?
The TimeMAPS package includes a variety of useful tools for both students and educators, including:
  • A Curriculum CD intended for instructors that contains valuable items such as lesson plans, instructor guides, worksheets, and quizzes, all prepared in advance for the teacher’s convenience, and tailored to match the Texas Essential Knowledge and Skills Standards.
  • Student Software with a Life Simulator – an interactive textbook that allows students not only to study, but to interactively apply the concepts they’ve learned with an array of insightful lessons, examples, and exercises.
  • Student Resource CDs which extend learning beyond the classroom, and which can be ordered in any quantity.
  • TimeMAPS Online Testing System, a state-of-the-art online testing and grading center that allows educators to use either the default questions or write their own (T/F, matching, multiple choice, and essay). Grading is carried out automatically, providing instant results that show both students and educators how well course objectives are being met, another crucial factor in meeting the Texas Essential Knowledge and Skills Standards. Automatic grading also frees educators from the paperwork involved in grading tests, giving them more time to focus on providing quality personal finance instruction and meeting the requirements of their core curriculum.
TimeMAPS curriculum is designed to meet National Standards for Personal Finance Education (JumpStart Coalition) and the Texas Essential Knowledge and Skills Standards. TimeMAPS introduces technology to the personal finance classroom and offers interactive lessons that engage students more than traditional textbooks. It’s easy to use and easy to learn!
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How is TimeMAPS different from other personal finance tools?
TimeMAPS is packed with features that enhance the process of teaching the personal financial literacy course of study as outlined by the Texas Essential Knowledge and Skills Standards. There are over 140 interactive examples and exercises designed to illustrate and reinforce concepts found in the course material. The software includes a library of more than 700 useful financial terms defined in context. Charts, tables, and graphs are used to give visual impact to the lessons. Career exploration of 1,182 job titles in 23 areas of interest provide a deeper look at the possibilities open to these future participants in the American economy.

To maintain its cutting-edge viability in the classroom, TimeMAPS makes use of current government economic and financial data, updating this information annually to keep up with the latest trends. The Life Simulator gives students pursuing their education under the Texas Essential Knowledge and Skills Standards the chance to apply what they have learned to hypothetical financial situations arising between high school and retirement. It allows them to see the real effects of the principles they are learning and gives them the chance to achieve their own “aha” moments, which brings all of what they have been learning together.
TimeMAPS reduces teachers' preparation time and paperwork
TimeMAPS makes personal finance lessons more understandable and enjoyable for students. It also reduces teachers’ preparation time and paperwork. The software and curriculum integrate technology into the classroom, touching on other important skills. Active learning and problem solving are encouraged by the interactive features. Finally, TimeMAPS has been designed so that it can be used either as a complete course of study on its own, or as a supplement to existing courses.

The need for personal financial literacy and the standards-based learning demanded by Texas Essential Knowledge and Skills Standards calls for comprehensive, dynamic, up-to-date teaching tools. These tools need to ease the burdens of teachers and help them meet the expectations of a complex core curriculum. Most importantly, they must prepare their students to make crucial financial decisions that will affect their entire lives. TimeMAPS interactive software and curriculum offers everything that is needed to create a vibrant, successful learning and teaching experience in the field of personal finance. TimeMAPS is an ideal tool for providing thorough coverage of personal finance and meet benchmarks established by the Texas Essential Knowledge and Skills Standards.
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