These proceedings consist of 14 papers some of which are followed by responses or discussant comments. The papers are: Thrifty Food Plan: New and Improved" (Cude, Walker); "Automated Teller Machines: Perceived Impact on Consumer Spending" (Greninger, Kitt, Hampton); "A Comparison of the Attitudes and Behaviors of Utah Men and Women in Their Roles as Primary Household Food Shoppers" (Langrehr, Langrehr); "Self-Employed Women's Use of Time" (Longstreth, Stafford, Mauldin); "A Demographic Profile of Investors in Nevada" (Zimmerman, Tripple); "The Norris Case: Implications and Applications of the Supreme Court Decision on Pension Plan Benefits" (Emberson); "Supporting Adult Volunteers as Non-Formal Educators" (Fong); "Evaluation of Economic Impact of Kentucky State University's Family Development and Management Program" (Jeffiers); "Financial Management Practices of Remarried Families" (Lown); "Time Used for Household Work: Comparisons for Farm, Rural Nonfarm, and Urban Women" (Meiners, Olson); "An Investigation of Economic and Other Factors Influencing Rural Families Energy Use Decisions" (Pedersen); "Using Microcomputers in Family Economics and Home Management" (Wesswick); "The Effect of Structural Modification on Energy Conservation Behaviors" (Beck); and "Education and Earnings of Young Men: Effects of Living in a Single-Parent Family" (Krein). An addendum contains four additional papers: "A Path Approach to Income Utility and Distribution in the Household" (Berry); "Household Equipment--An Anachronism?" (Burton); "Economic Pressures on Women: Update" (Drennen, Makela); and "A Comparison of Two Personal Financial Management Programs--'Dollars and Sense' and 'Home Accountant Plus' for the IBM PC" (Onodera). (YLB)