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On Your Own is the most popular personal finance simulation available. Students face the day-to-day, real-life challenges of living on their own. The latest version includes 12 communities of different sizes, located coast-to-coast. Each community includes true-to-life jobs, incomes, prices, and expensesall with up-to-date statistics. Students can choose the community that best reflects where they want to live or experience life in different size communities.

Section 1—Getting Started
Students select to use one of  these four options to determine their income and community:

  • Job search database
  • Random selection
  • Income game
  • User choice

Section 2—Moving In
After their income is determined, these decisions and actions are made for the move:

  • Create a budget
  • Open bank accounts
  • Choose transportation
  • Rent an apartment
  • Start utilities

Section 3—Day-To-Day Living
Students face real-life challenges of day-to-day living for a simulated three-month period. They control their finances, pay bills, make spending decisions, deal with hassles and emergencies—big and small. Will they:

  • Pay bills on time
  • Stick to their budget
  • Use credit wisely
  • Buy insurance
  • Save for the future

Will they survive the challenges? Will they make it on their own?


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