References — Smart Student Budgeting

Academic References

Canadian University Survey Consortium. (2023). 2023 graduating student survey: Master report. CUSC-CCREU. https://cusc-ccreu.ca/

Fernbach, P. M., Kan, C., & Lynch, J. G. (2015). Squeezed: Coping with constraint through efficiency and prioritization. Journal of Consumer Research, 41(5), 1204–1227. https://doi.org/10.1086/679118

Financial Consumer Agency of Canada. (2024). Managing your money: A guide for young adults. Government of Canada. https://www.canada.ca/en/financial-consumer-agency.html

Lusardi, A., & Mitchell, O. S. (2014). The economic importance of financial literacy: Theory and evidence. Journal of Economic Literature, 52(1), 5–44. https://doi.org/10.1257/jel.52.1.5

Prelec, D., & Simester, D. (2001). Always leave home without it: A further investigation of the credit-card effect on willingness to pay. Marketing Letters, 12(1), 5–12. https://doi.org/10.1023/A:1008196717017

Shefrin, H. M., & Thaler, R. H. (1988). The behavioral life-cycle hypothesis. Economic Inquiry, 26(4), 609–643. https://doi.org/10.1111/j.1465-7295.1988.tb01520.x

Soman, D. (2001). Effects of payment mechanism on spending behavior: The role of rehearsal and immediacy of payments. Journal of Consumer Research, 27(4), 460–474. https://doi.org/10.1086/319621

Warren, E., & Tyagi, A. W. (2005). All your worth: The ultimate lifetime money plan. Free Press.

Instructional Design Frameworks

This OER was designed using the following evidence-based instructional design theories and principles:

Universal Design for Learning (UDL)

Multiple means of engagement (interactive quizzes, hands-on tools), representation (text, visuals, examples), and action/expression (sorting exercises, budget building, downloadable outputs).

CAST. (2018). Universal Design for Learning Guidelines version 2.2. https://udlguidelines.cast.org/

Mayer's Multimedia Learning Principles

Coherence: Only relevant content is included; no decorative distractions. Signaling: Headers, color-coding, and icons guide attention. Redundancy: Visuals complement text rather than duplicating it. Spatial contiguity: Related text and visuals are placed together. Segmenting: Content is broken into manageable modules.

Mayer, R. E. (2009). Multimedia learning (2nd ed.). Cambridge University Press.

Cognitive Load Theory

Extraneous load: Minimized through clean layout, consistent navigation, and removal of unnecessary complexity. Intrinsic load: Managed by building from simple concepts (Module 1) to complex application (Module 5). Germane load: Optimized through interactive exercises that encourage active processing.

Sweller, J., Ayres, P., & Kalyuga, S. (2011). Cognitive load theory. Springer.

Merrill's Principles of Instruction

Problem-centered: The entire resource is built around solving a real student problem (managing money). Activation: "Quick Reality Check" on the home page activates prior experience. Demonstration: Each module shows concrete examples and scenarios. Application: Interactive tools let learners practice with their own data. Integration: The final module ties everything together into a real-world artifact.

Merrill, M. D. (2002). First principles of instruction. Educational Technology Research and Development, 50(3), 43–59. https://doi.org/10.1007/BF02505024

License

Smart Student Budgeting is licensed under a Creative Commons Attribution 4.0 International License (CC BY 4.0).

This means you are free to:

✓ Share — copy and redistribute the material in any medium or format
✓ Adapt — remix, transform, and build upon the material for any purpose, even commercially

Under the following terms:

● Attribution — You must give appropriate credit, provide a link to the license, and indicate if changes were made.

Credits & Acknowledgments

Course

EDCI 337 — Interactive and Multimedia Learning, University of Victoria

Technology

Built with HTML, CSS (Tailwind CSS via CDN), and vanilla JavaScript. No external frameworks or dependencies beyond Tailwind.

Icons & Visual Elements

Emoji icons used throughout for visual cues. No external icon libraries were used.

Design Inspiration

Layout and navigation design inspired by modern OER sites and educational web resources.

📚 References & Credits