1. MoneyCounts: A Financial Literacy Series
Environmental Stewardship
11-A Grange Building
University Park, PA 16802
financialliteracy.psu.edu

2. Description
Sustainability should be put at the heart of both financial literacy and environmental stewardship.
In seeking financial health, sustainability is the capacity to endure a lifestyle without depleting or permanently damaging renewable financial resources.
In ecology, sustainability is how biological systems remain diverse and productive indefinitely.

3. Learning Outcome
Understand the relationships between financial literacy principles and environmental stewardship responsibility
Acknowledge the importance of sustainability for both financial literacy and environmental stewardship principles

4. Environmental Stewardship through Sustainability
Responsible use and protection of our natural resources through conservation and sustainable practices Humans’ treatment of land, water resources, animals, and plants to meet their needs without hindering the needs of the future generations Operation within an environmental, economic, social, and ethical context about the planet

5. Environmental Stewardship through Sustainability
Balance between satisfying human needs and using renewable natural resources
Natural Resources
Human Needs

6. Environmental sustainability in daily life
Act as a well-informed consumer
Purchasing
Food service
Buy locally grown products & implement  recycling 
Eliminate harmful products & Go green and organic
Use carpooling & Eliminate wasteful use of fuel
Reuse, Recycle, and  Reduce
Landscaping
Transportation
3 Rs

7. Foundations of Environmental Stewardship
REDUCE
RECYCLE
REUSE

8. e.g. Paper plates vs. Dishwasher every few days
REDUCE
In financial literacy, you use budgeting as a guide to reducing your spending after analyzing your needs and wants.
In environmental stewardship, you reduce your consumptions. You produce less waste, consume less, and avoid products with unnecessary packaging.
e.g. Paper plates vs. Dishwasher every few days

9. e.g. Newspaper  Wrapping paper
REUSE
In financial literacy, you learn to economize and find an alternative use for different items to save money
In environmental stewardship, think of how you can reuse it or re-purpose it for another use before you throw anything away.
e.g. Newspaper  Wrapping paper

10. Trash should be your last resort!
RECYCLE
Approximately 50% of household waste can be either recycled or composted.
Trash should be your last resort!
If you are producing too much waste, recyclable or not, it means you are not following the reduce and reuse principles.

11. Apply financial literacy to environmental stewardship
Knowledge
Action
Behavior
Environmental Stewardship

12. Apply financial literacy to environmental stewardship
Do you share the same core values and beliefs with your work environment?
Earning
Saving & Investing
Spending
Borrowing
Protecting
Are you saving and investing in environment-friendly institutions?
Do you spend money for environment-friendly products?
Are you deliberate in borrowing funds for specific beneficial purposes clear of waste?
Do you protect the environment as much as you do your assets?

13. Natural Resources
Human Needs
Environmental Stewardship
Financial Literacy

14. Long-term vision

15. Your decisions matter to the environment

16. Your decisions matter to the environmentOR

17. Ways to help save money and protect the environment
Start Now

18. Conserve energy and reduce carbon footprint
Scale back on the use of a car
Carpool when possible
Walk or ride a bike for health 
Use public transportation
Combine errands or shop virtually
Invest in alternative energy sources
Choose forks over knives (eat less meat)
Clean safely

19. Compose and reduce waste
Keep track of the trash
Grow a garden and donate to food kitchens
Freeze the leftovers
Use smaller plates
Shop locally for fresh ingredients
Refuse heavy packaging
Take your own reusable bag
Participate in healthy living events

20. Water conservation Do not pollute water sources
Ditch the bottle and purify tap water
Repair leaky plumbing
Run dishwashers only when full
Take shorter showers
Live sustainably
Adopt an eco-friendly lifestyle
Plant a tree

21. MoneyCounts: A Financial Literacy Series
Comments and questions
11A Grange Building
University Park, PA 16802
financialliteracy.psu.edu