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The University of Tennessee

UT Extension / Family and Consumer Sciences

Frequently Used Tools:

Other Resources for FCS AgentsFamily Economics

On My Own LogoOn My Own . . .

Your student may find that real life is more than they bargained for!

What is On My Own?

On My Own is a hands-on, real-life simulation that gives young people the opportunity to experience their futures in a fun and exciting way. They are encouraged to make healthy and wise lifestyle choices similar to those adults face on a daily basis.

Participants assume they are 25 years old and are the primary or sole support of their household.

After exploring careers, participants receive a monthly salary for their chosen career and a family scenario. Then they proceed through 'real life,' deducting taxes, determining a savings amount, and spending their monthly salary on the necessities and luxury items that reflect the career and lifestyle they have chosen.

How does it work?

Using sample checks and registers, participants learn how to record and manage their bank accounts. After making their deposits and deducting taxes, participants make spending choices from the following categories:

  • housing
  • transportation
  • groceries
  • utilities
  • entertainment
  • child care
  • health & grooming
  • medical & dental

After each choice, participants write a check and subtract the amount from their registers. They may also receive a chance card that represents unexpected expenses and incomes encountered in real life. Participants complete their experiences by evaluating their choices and considering alternatives.

Program Availability

If you live inside the state of Tennessee and would like to find out about availability of this program in your area you can check the our list of scheduled simulations or contact your local Extension Family & Consumer Sciences or 4-H Agent.

If you live outside the state of Tennessee you can purchase the "On My Own" software at:

On My Own, Tennessee's award winning version of the financial education simulation for high school and junior high has new and improved features that make it a classroom teacherís dream. Organized in a versatile and simple format that includes visuals, poster graphics, a computer presentation and evaluation pieces, the simulation kit and curricula provides materials for endless life-skill building and supplemental learning. New features include: