Join Our PennCFL Budget Challenge

Oct 5th - Dec 4th

StockTrak - Graphic with Laptop and Char

Your students will be challenged to work through a year of our Budgeting Simulation, with each “month” taking about 20 minutes to complete. As they progress, they will be challenged to:


  • Set savings goals each month, with bonus points for saving at least 10% of every paycheck

  • Learn to estimate variable expenses based on their historical spending

  • Improve their Credit Score by responsibly using their credit card and keeping their balance low

  • Maintain their Work/Life balance by choosing how to spend their weekends – socializing, taking care of chores, working extra hours, or conducting professional development

  • Build their Quality of Life by spending money wisely – students cannot succeed by just cutting their spending to the bare minimum to survive

  • Understand long-term consequences, as students are hit with “Life Events” (usually an unplanned expense), every few days. Their choices from these events have long-term impacts on how the game progresses for each student.

This Budgeting Challenge works alongside the stock game, and we've also published a library of "distance learning-optimized" lesson plans and pre-made PowerPoints that utilize both the Budgeting Game and SMC, plus a huge library of resources in our Learning Center to give all schools the very best resources in this difficult time.

How To Register 

To sign up your class, sign in to your existing teacher account for the PennCFL stock game, then click this link:


This will add the Philadelphia, Pittsburgh or Other Statewide Area Challenge to your teacher account. To get your students registered, you will need to visit your "Instructor Administration" page and request a fresh batch of student usernames and passwords to distribute to your class.


New Teachers Registration -  Select Philadelphia, Pittsburgh or Other/Statewide


Philadelphia  Area:


  • Bucks

  • Chester

  • Delaware

  • Lehigh

  • Montgomery

  • Northampton

  • Philadelphia


Pittsburgh Area:


  • Allegheny

  • Butler

  • Washington

Statewide Area:

All counties not  listed  above

To help get your class started, we will also be sending out a packet including a teacher tutorial video, lesson plans, and class discussion points on how to best use the Budget Game in your class in a week. We hope to see your class join soon!


Students can sign up independently:

Students can also join the Budget Challenge using their existing username and password that they use to log in for the PennCFL stock challenge, through you. Have your students log in to their existing accounts, and click this link to join the appropriate region PennCFL Budgeting Challenge.   See above for county information.

We will "overcome' together.

Pennsylvania Council

on Financial Literacy

Copyright  Pending

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