Preparing Students for Real Life

Software Tutorials

So, how does selling your grade and consumer math really work?  The image below will take you through the basic steps to get started.  With a subscription you will have access to the software that keeps track of all of this for you.

Click on the buttons shown below for a video tutorial.

adding courses, preparing for school. how to add students. adding companies to each course. creating job titles, and determining pay. setting what dollar amounts or percentages buy which grade. setting the bills that auto-populate when students are created. setting up how much each assignment is worth and determining your daily pay. establishing how much is taken out for taxes and other withholdings. creating loans, payments, and types. determining which types of insurance will be offered.  auto, fire, medical, etc. creating various insurance policies for each insurance type. what maladies will befall people?  these match the insurance types. Image Map

how to summarize weekly payroll. summarizing the information on the time cards. how to enter payroll into the software. how to summarize weekly payroll. summarizing the information on the time cards. how to enter payroll into the software. Image Map

Some more detail of what the software does:

Students must pay bills, maintain a positive balance in their bank account, and keep their job.  They will buy insurance, pay for food, and manage all of their finances as though they were living on their own.  They learn about and purchase different insurance options.  They might get sick, or have a hospital stay.  Sometimes they are downsized, evicted, or just plain unlucky.  After all, this is real life.

The software

is set up with some default companies, job titles, and bills.  Anyone can get started.  However, it can be modified to offer the flexibility you need to teach nearly every aspect of real life.  Set up your courses and get started selling your grades!

The general areas that you will control are:


A course is also known as a class, or period.  Add new courses by name and the date the course starts.  You can also modify the course options.

Course options

There are currently two options to edit.  Annual periods controls how many periods’ loan payments are scheduled for.  52 would indicate 52 periods per year, or once a week.  Hours per day are used for payroll.  An 8 means that for every day a student attends, they will get 8 hours of pay.  This can be adjusted to fit block or other scheduling.

View Companies

See each company in a given course or add a new company.  Companies have categories as well, such as Retail, or Grocery.

View Students

See each student in a given course.  Most helpful when reconciling or viewing student history.

Add Students

Students are added to each course.  You can assign jobs or you can let them default to unemployed and on welfare.

Print Paycheck Sheet

This sheet is a place you can pencil in each students performance for the week in preparation for doing payroll.

Enter Paycheck Data

Using the Paycheck Sheet, or your own forms, you enter information for students so that they can get paid.

Print Paychecks

You can print paychecks for a given pay period for all of the students in a course.

Generate Bills

Create bills for students on a weekly basis.  This is generally done in conjunction with running payroll.

Generate Maladies

A malady is something bad that happens to people randomly; like getting sick or having an accident.  Select a category for the Malady, then press the generate button.  Make them sick, give the automobile accidents.  Remember it is all random based on probabilities.  We can’t control who gets what malady.  Generate as often as you like, but once you press save, they will be billed.


Companies can be added to any course.  You can upload Logo’s or slogans for each company. Viewing students through companies will filter only those students in each course.

Company History

This shows all of the expenses (payroll) and the income (bills paid to the company) of each company and will show you the companies balance.  Company managers can track who has or hasn’t paid their bills.

Company Categories

Categories can be set up for to define types of companies.  It helps relate bills to the companies.

Job Titles

Pay is based on job titles, and each company has a limited number of people with that title, for example you may only want 1 manager for each company but have many laborers.


Look at all student information.


Review and modify all activities for a student.  Don’t make a lot of changes.  Most changes are done while reconciling.


You can reconcile balances at a given date.  It is like a snapshot in time, comparing the previous balance with the current balance.  Compare student data for accuracy once a pay period.  This records the bills and deposits the checks.  Students who don’t pay bills will not have their checks deposited.


Issue loans to students for cars, homes, or credit cards if they are in debt.


Students can select an insurance policy for each insurance category.


You can view past paychecks and edit the quantities for any of them.  These changes will impact student’s balances, so you will usually want to do these changes through Student History.


You can view past bills and edit the quantities for any of them.  These changes will impact student’s balances, so you will usually want to do these changes through Student History.


Withholdings come out of the paychecks of the students.  By default, they are all the same, but can be modified for each student.

Homework Types

If you want to add different ways a student can receive money (or be fined) do that here.

Edit Homework Types

Enter values as positive numbers.  All income is taxed (based on the withholdings table).  Fines are deducted.  Some fines are pre tax others are after tax.  You decide.

Homework Items

You can edit specific homework items per student.  Careful, this will change their checks and their balances.

Loan Payment Terms

Some loans, like cars and homes, will not be paid off at the end of the course.  Enter 0% as “Percent for grade”.  Other loans, like credit card, the student is responsible for 100% of the loan.  Enter 100%.  The duration is how many years the loan is for.  The larger the number, the lower the payments, but the principle won’t change much.


Create different loan amounts available for students.  Select which loan payment term is applicable for the loan.

Loan History

Review loan history for all students.

Insurance Types

Creating insurance types gives a new category for insurance policies and maladies.

Insurance Policy

Cost of insurance is the periodic payment required each time bills are generated.  Co-pay is the dollar amount that must be paid for any malady.  Co-insurance is the % of the malady cost that must be paid.  Selecting insurance type puts this policy in the correct category.

Insurance History

Review the insurance of each student.


Enter the name and cost of the malady.  The probability of a Malady is out of all maladies in each category.  The higher the number, the more likely it will happen.  Try to keep the numbers between 1 and 100.  Select the insurance type of each malady.

Malady History

Review the history of maladies for each student. © 2009-2014 Frontier Theme