The individualized learning package for eleventh and twelfth grade consumer education deals with the use of the management process in the achievement of personal and family financial goals. The teacher's section of the package contains a statement of purpose and instructional objectives. Equipment and materials (specific books, magazines, and audiovisual aids) needed for the unit are listed. The method of evaluation suggested requires the use of a pretest, self-tests, and a post-test. Answer keys and copies of these tests are included. The student section contains an introduction, the pretest, a progress record, and four lessons to be completed independently. The lessons cover: clarification of goals, analysis of financial resources, a review of alternatives--decison making, and integration for formulation of a financial plan. An introduction, a behavioral objective, instructions (which list materials needed, specify the number of activities to be done, and indicate the level of competency required on the self-test before proceeding), learning activities, and a self-test are presented for each lesson. Most of the activities involve reading, examining case studies, and tape recording or writing responses to a situation. A list of activities for further study completes the student section. (MS)