This module, one of six on teaching consumer matters to low-income groups, focuses on budgeting and managing money. Budgeting is examined in two contexts: skills which apply to everyone at every income level and skills which specifically apply to low-income people. Topics include how to write a budget (starting a group workshop, small group work,…

This module, one of six on teaching consumer matters to low-income groups, focuses on buying insurance. Topics include life insurance (language, types, settlement options), auto insurance, health insurance (standard, health maintenance organizations, medicaid, medicare), tenant's insurance (property damage, liability), what to do in case of loss,…

This module, one of six on teaching consumer matters to low-income groups, focuses on the appropriate uses of credit. It provides basic information about credit, particularly as it applies to low-income people, and offers some techniques which help the instructor present the information to these clients. Topics include a definition of credit, why…

This module, one of six on teaching consumer matters to low-income adults, discusses banking skills. Topics include banking services (savings accounts, safety deposit boxes, Christmas clubs, loans, etc.), checking accounts (deposits, checkwriting, check registers, opening an account), how to use the check register (cancelled checks, deposits),…

This module, one of six on teaching consumer matters to low-income groups, focuses on helping clients make wise choices about housing. It reviews factors to consider in selecting an apartment and discusses the laws in Virginia which relate to housing. Methods for helping clients learn more about housing and housing regulations are also discussed.…