This booklet gives young people who are just starting out on their own with a small income the information they need to manage their money. The following topics are discussed: how individuals can determine how much money they will have to live on; how to read a pay stub; Social Security and the future; the importance of putting money in the bank…

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),…

A short fictional work for limited English speakers is presented that relates a young couple's experience in learning about managing their money more carefully by budgeting and maintaining a checking account. Since the couple did not have a checking account, they had to go to their savings bank in order to pay each bill and they had to keep cash…

This unit, one of a series of six Project SCAT (Skills for Consumer Applied Today) units, is designed to help senior high school students develop consumer education skills. For a description of the specific objectives and format of the units, see SO 013 467. This document provides learning activities, teaching methods, and a student booklet for a…

A booklet for limited English speakers on money management provides information on savings accounts, checking accounts, choosing a bank, and the basics of budgeting. Cartoons, questions about the message in cartoons and narrative passages, checklists on things to consider, and the phonetic pronunciation of key words are presented. Specific topics…

This module on how to choose and keep a checking account is one of ten in the Money Smart curriculum, and includes an instructor guide and a take-home guide. It was developed to help adults outside the financial mainstream enhance their money skills and create positive banking relationships. It is designed to enable participants to open and keep a…

This introductory consumer education curriculum outline contains materials designed to help soon-to-be-released prisoners to develop an awareness of consumer concerns and to better manage their family lives. Each of the four units provided includes lesson objectives, suggested contents, suggested teaching methods, handouts, and tests. The unit on…

This document provides teaching guidelines and student material for a unit intended for use in high school business, consumer, or home economics programs. Time allotment is from four to six hours of classroom time. The objective of this capsule is to help students understand the basic functions of and services provided by three types of financial…

This document contains both a leader's guide and participant's workbook on money management. The leader's and participant's guides contain 10 parts each: (1) danger signs in money management; (2) what's important to you; (3) spending for the future; (4) financial fitness; (5) use credit wisely; (6) decisions, decisions; (7) shopping basics; (8)…

This module, Consumer Economics, is one of five from Project DECIDE, which was created to design, develop, write, and implement materials to provide adult basic education administrators, instructors, para-professionals, and other personnel with curriculum to accompany the Indiana Adult Basic Education Curriculum Guide, "Learning for Everyday…

This module, an introduction to bank services, is one of ten in the Money Smart curriculum, and includes an instuctor guide and a take-home guide. It was developed to help adults outside the financial mainstream enhance their money skills and create positive banking relationships. It is designed to enable participants to build a relationship with…

This module on why one should save is one of ten in the Money Smart curriculum, and includes an instructor guide and a take-home guide. It was developed to help adults outside the financial mainstream enhance their money skills and create positive banking relationships. It is designed to enable participants to recognize the importance of saving…

This packet of four brochures focuses on money management for four stages of life, from early adulthood to preretirement. The first brochure, for young adults, discusses early financial tasks, such as selecting a financial institution, and checking and savings accounts, credit establishments, and employee benefits. The second brochure, for young…

This text teaches students about money management and is designed to help the student as he or she tries to live within limits and decide important financial questions. Students are instructed about: getting control of your money; tracking your spending; figuring your income and expenses; making your spending plan balance; making money decisions;…

This module on what homeownership is all about is one of ten in the Money Smart curriculum, and includes an instructor guide and a take-home guide. It was developed to help adults outside the financial mainstream enhance their money skills and create positive banking relationships. It is designed to familiarize participants with the process for…