This book is designed to help students in grades K-2 make better decisions as spenders, savers, borrowers, and managers of money. The learning experiences focus on personal finance and money management. The 14 lessons are divided into 4 units focusing on money, spending, saving, and borrowing and credit. Lesson titles include: (1) "A Very Good Day for Money"; (2) "What Is Money?"; (3) "Money Lets Me Choose"; (4) "Consumers Choose to Spend"; (5) "Spending Decisions Go On and On"; (6) "Opportunity Costs Are Everywhere"; (7) "Advertising Influences Spending Decisions"; (8) "Why We Save"; (9) "Budgeting Is a Way to Plan for Saving"; (10) "Saving Requires Waiting"; (11) "To Borrow or Not to Borrow--That Is the Choice"; (12) "To Lend or Not to Lend--That Is the Choice"; (13) "I Owe You"; and (14) "Demonstrating Money Management." Contains a 44-item glossary of economics terms (EH)