Cengage; On Your Own

OYO is a simulation that focuses on budgeting and financial planning.

This activity-based simulation depicts a recent high school graduate finding out what it means to be on her own financially. The simulation allows students to experience the processes of opening a checking account, renting an apartment, applying for credit, looking for a job, buying a car, shopping online, banking electronically, paying taxes, and more. Students complete parallel activities for themselves as they work through the simulation, completing budgets and creating filing systems for personal financial information.

ON YOUR OWN ONLINE SIMULATION contains all of the following online tools to create a realistic experience for students: Real-life financial transactions and realistic financial documents including bills, receipts, tax forms, tickets, coupons, and applications. Check register that students use to keep track of transactions and deposits. Digital filing system to keep financial documents and forms organized. Budgeting tools including a net worth plotting tool, monthly budget worksheets, and monthly income and expenditure sheets. Interactive timeline allows students to scroll through the various financial events of each day within a monthly calendar of events.

Requires a tablet and course purchase.