North Dakota Securities Department and NTC invite you to use these e-learning resources to teach your students about financial literacy. The digital materials below are designed to get your students excited about understanding this important subject.

Want to know the best way to use the related videos, games, Money Smart 2.0 curriculum and smart speaker activity to educate your class? Watch this short video and learn how to add Spend it or Save it to your curriculum.


Educational Standards  

We know your class time is extremely valuable. That’s why we ensure that all of our digital e-learning materials are aligned with state and national educational standards. It’s important that the Spend it or Save it digital program adds to your existing curriculum and keeps students on track with their ongoing learning.

See below for details about how each digital activity aligns with educational standards and corresponds with your state’s curricula.

Educational Standards


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This 35-minute financial literacy program is for grades 6-8. Through entertaining sketches featuring a variety of characters, Spend it or Save it teaches the following educational points:

  • How to prioritize your needs and wants
  • The difference between cash and credit
  • All about investing
  • The importance of forming a savings habit

Laughing while learning, your students will experience important lessons about financial literacy.


Your students can enhance what they learn from the program with these fun, hands-on lessons and experiments. These lessons can be done in the classroom or easily adapted for students to do at home with their families.

They’re a fun and educational way for students to learn with family members. The materials needed for these lessons are basic supplies that most people have at home. Follow up with your students to make sure they enjoyed and learned from these activities.

Money Smart 2.0 is an exciting interactive exploration of the concepts of money. This standards-aligned, cross-curricular curriculum is designed to promote financial understanding in middle school students. You can use Money Smart 2.0 to add engaging and enriching activities to Math, English Language Arts and Social Studies lessons while also helping your students build the foundation to become financially responsible adults.


  • Twelve Lessons with hands-on, cross-curricular activities that engage sixth- through eighth-grade students in discussing and exploring key financial concepts.
  • Teacher Presentation Slides, which provide helpful visuals, as well as challenge exercises and reflective prompts to support the activities in each lesson.
  • A Parent/Caregiver Guide with information about topics and terms being covered in class, conversation starters, online and literary sources, along with activities to try at home and around town.

Access Money Smart 2.0


Follow-up, formative assessments for you to gauge the learning of your students are especially important with e-learning. Below are some suggestions for how you can assess your students’ performance quickly and effectively.

These assessments are easy for you and your students to complete and help ensure your class is getting the maximum educational value, retention and engagement from the related digital activities.

Middle School Educational Assessments Livestream Hands-on lessons Digital games Interactive activities PDFs & Print materials
Draw a concept map X        
Write three things another student may misunderstand about the topic X X      
Journal reflection X X     X
Submit screenshot of completed activity     X X  
Hand in completed activity         X
Have students make collages relating to the topic X X      
Have students host their own talk show relating to the topic X        
Each student rolls a die and briefly answers aloud a question based on the number rolled:

  1. I want to remember …
  2. Something I learned today …
  3. One word to sum up what I learned …
  4. Something I already knew …
  5. I’m still confused about …
  6. An aha moement that I had today
Present students with an analogy prompt:
“The concept being covered is like ____ because ____.”
X X      


The Spend it or Save it student activities page features games, videos and newly redesigned Money Smart 2.0 curriculum with additional lessons about financial literacy. Access in the classroom or at home to learn more about financial literacy and have fun exploring Spend it or Save it!

Access Student Activities

Student-Parent Handbook

This downloadable PDF features colorful artwork, entertaining games and activities, and expanded information to complete your understanding of energy efficiency. Read on your own, with your class, or with friends and family and get to know the characters of Spend it or Save it.

Explore the Student-Parent Handbook


We take your feedback and suggestions very seriously. Hearing from educators with firsthand experience with our programs ensures that we continue to improve our digital resources, making them as beneficial as possible for you and your students.

Please complete this brief, two-minute evaluation to let us know what you thought.

Thank you for your time and valuable input.


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